GA certificate of title bonds.
From $100. Enter your amount.

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.

For owners with insufficient or defective proof of ownership under O.C.G.A. § 40-3-28
Amount is two times the vehicle's appraised value — with a $5,000 floor (DOR often uses Black Book)
Pricing from $100 — a quick soft credit check may apply, never a hard inquiry
From $100most applicants near minimumSoft pullnever a hard inquiryFastinstant underwriting for most
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BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

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:

TODAY · ONLINE

Apply online

Your details, the vehicle, and the bond amount (twice the vehicle's value) — that is the entire application. A quick soft credit check may apply — never a hard inquiry.

QUICKLY

Issued

Most applicants are approved instantly; a quick soft-pull review that never affects your score may apply on some applications.

SAME DAY

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.

About this bond

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.

O.C.G.A. § 40-3-28 (form MV-46)O.C.G.A. § 40-3-28 lets an owner with insufficient proof of ownership obtain a Georgia certificate of title by filing a surety bond (form MV-46) in an amount equal to twice the vehicle's value as determined by the commissioner or county tag agent, with a $5,000 minimum. Georgia title bonds typically run a four-year term.

You need this bond if you are

A buyer with no title — the seller never delivered one or it was lost
Titling an inherited or gifted vehicle with gaps in the ownership chain
Holding a defective title the tag office won't accept as proof of ownership
Registering an abandoned or project vehicle that needs a bonded title to get on the road

One application, ready for the tag office.

Submit the application with your bond amount (twice the vehicle's value, $5,000 minimum). A quick soft credit check may apply — never a hard inquiry, no impact on your score.

Start the application →
FAQ

Common questions.

How much is the Georgia title bond?Pricing is variable, starting from $100. The bond amount is twice the vehicle's value with a $5,000 floor — most applicants at that floor qualify at or near our $100 minimum, and price scales up from there. Enter your amount at the application to see your exact price.
How do I figure out the bond amount?It's two times the vehicle's value, with a $5,000 minimum. The Department of Revenue or your county tag agent appraises the vehicle (commonly via Black Book), then doubles it. File the bond on form MV-46 with your title application.
Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. Most applicants are approved instantly.
What does the bond protect against?Anyone who later proves a superior ownership claim — a prior owner, lienholder, or subsequent purchaser. If a valid claim is paid, you repay the surety. It is a guarantee that backs your bonded title, not insurance for you.
How long does the bond last?A Georgia title bond typically runs a four-year term. If no valid claim is made during that period, a clean (non-bonded) certificate of title issues.
Related bonds

Other Georgia bonds.

Bonded title, issued today.

Pricing from $100. Enter your amount and take it to the tag office.

Your premiumfrom $100
Apply now →