Georgia certificate of title bonds.
From $100.
Also known as the Georgia bonded title bond.
When you can't prove ownership of a vehicle, Georgia lets you get a bonded title — file a surety bond under O.C.G.A. § 40-3-28 (form MV-46) and the Department of Revenue issues the title. Pricing starts from $100; the amount is twice the vehicle's value, $5,000 minimum.
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How much does a Georgia certificate of title bond cost?
0.9% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Apply to bonded title in one sitting.
No long underwriting queue for the standard title bond — enter your amount, pay, and take the executed bond to the tag office. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (twice the vehicle's value) — that is the application. No credit check up to $100,000.
Issued
Most applicants are approved instantly; above $100,000, any check is a soft pull that never affects your score.
File with the tag office / DOR
Take the executed bond (form MV-46) and your supporting documents to your county tag office to get your bonded title. Wet-ink originals mailed whenever the office insists.
Getting a bonded title in Georgia, step by step.
Georgia Department of Revenue, Motor Vehicle Division, through your County Tag Office handles it. The bond amount is 2 times the vehicle's average retail value as the Department of Revenue sets it, never less than $5,000. The bond lasts 4 years from the bond's issue date, per the state bond form.
Get a law enforcement VIN inspection
Have a Georgia law enforcement officer complete Form T-22B (Certification of Inspection). If the inspection shows the serial plate is missing, also complete Form T-128 (Missing Serial Plate Affidavit).
Pull the vehicle's title history
Get an NMVTIS report, and if the vehicle was last titled in another state, a certified title history from that state. If a lien shows up, get Form T-4 (Notice of Satisfaction of Security Interest or Lien Holder Affidavit) or another lien release.
Sign the affidavit before a notary
Complete Form MV-46A (Affidavit Supporting Certificate of Title Bond Application), explaining why you cannot provide the title. Use the same name that will appear on the bond.
Buy the bond for the required amount
Buy the Form MV-46 Motor Vehicle Certificate of Title Bond for 2 times the vehicle's value (at least $5,000) from a surety licensed in Georgia, with witnessed signatures and the agent's power of attorney attached. The bond company can confirm the amount with the Motor Vehicle Division at 855-406-5221.
Apply at your County Tag Office
Within 6 months of the bond's issue date, bring Form MV-1 (Title/Tag Application), the bond, the affidavit, the inspection form, the title history and any title, bill of sale or lien release you have. Pay the $18 title fee and any other taxes due.
Who qualifies
- You must be a legal resident of Georgia, and the vehicle must require a Georgia title.
- Vehicles from model year 1985 or older are not eligible.
- A vehicle you got through the abandoned vehicle process cannot be titled with a bond.
- Any lien on the title history must be released first; applications for a vehicle with an open lien are not accepted.
- A vehicle that was an insurance total loss, or was wrecked badly enough to need 2 or more major parts replaced, must first pass a salvage vehicle inspection.
State fees
- Title feepaid to County Tag Office
- $18
These are the state’s fees. The bond premium is separate and shown in the price card.
After the bond
The bond goes to the County Tag Office with your title application, which must be filed within 6 months of the bond's issue date. The Department of Revenue may then issue a Georgia title with 'Surety Bond' in its legend; the bond stays in force for 4 years.
Checked on 22 October 2026 against Georgia DOR: Bonded Vehicle Title, Georgia DOR Form MV-46 Motor Vehicle Certificate of Title Bond (Rev. Feb 2014), Georgia DOR Form MV-46A Affidavit Supporting Certificate of Title Bond Application (Rev. 12-2013) and Ga. Comp. R. & Regs. 560-10-13-.04 (Georgia Secretary of State rules site). Rules and fees change; the agency’s own page has the final word.
What it is and who needs it.
What the bonded title actually does
When you buy or inherit a vehicle and the paperwork is missing, lost, or defective, Georgia lets you establish ownership with a bonded title under O.C.G.A. § 40-3-28. You post a surety bond, the Department of Revenue issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim.
The bond amount is twice the vehicle's current value, with a $5,000 minimum. The Department of Revenue (or your authorized county tag agent) sets the value — it commonly uses Black Book. You file the bond on form MV-46 with your title application.
If a prior owner, lienholder, or later purchaser proves a better claim and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. Georgia title bonds typically run a four-year term, after which a clean title issues if no valid claim was made.
You need this bond if you are
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The carrier issues this bond for a single 4-year term; the term cannot be changed at checkout.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the tag office / DOR. Take the executed bond (form MV-46) and your supporting documents to your county tag office to get your bonded title. Wet-ink originals mailed whenever the office insists.
What sets the price
The premium is 0.9% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $100,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, ready for the tag office.
Submit the application with your bond amount (twice the vehicle's value, $5,000 minimum). No credit check up to $100,000.
Start the application →Common questions.
Other Georgia bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Bonded title, issued today.
Pricing from $100. Enter your amount and take it to the tag office.