North Carolina certificate of title bonds.
From $100.
Also known as the North Carolina bonded title bond.
When you can’t prove ownership of a vehicle, North Carolina lets you get a bonded title — file an indemnity bond under G.S. 20-76 (form MVR-92D) and the DMV issues the title. Pricing starts from $100 and depends on your bond amount; your exact price appears at the application. The bond amount itself is one and a half times the vehicle’s value.
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How much does a North Carolina certificate of title bond cost?
0.9% of the bond amount plus a $25 fee, from $100. Enter your amount in the calculator for the exact price.
Apply to bonded title in one sitting.
No underwriting queue for most title bond applicants — enter your amount, pay, and take the executed bond to the DMV. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (1.5× the vehicle’s value) — that is the application. No credit check up to $100,000.
Issued on the spot
Most applications approve instantly and the executed bond is generated as soon as you pay.
File with the DMV
Take the executed indemnity bond (form MVR-92D) to the DMV with your title application — North Carolina requires the bond filed within 30 days. Wet-ink originals mailed whenever the office insists.
Getting a bonded title in North Carolina, step by step.
North Carolina Division of Motor Vehicles (NCDMV); the State Highway Patrol's Investigative Services Unit inspects the vehicle handles it. The bond amount is 1.5 times the vehicle's value from the NCDMV Value Schedule, at least $100. The bond lasts Kept on file 3 years; returned after that unless a claim on the bond is pending.
Complete the affidavit of facts first
Fill out Form MVR-92H (Affidavit of Facts to Accompany Indemnity Bond) in full and sign it before a notary, attaching any proof of ownership and a lien release if there is a lien. NCDMV says not to buy the bond until this step, the inspection and the value step are done.
Have the State Highway Patrol inspect it
An inspector from the State Highway Patrol's Investigative Services Unit inspects the vehicle; bring Forms MVR-1 and MVR-92H. The inspector gives you a report of inspection (LT-270).
Get the vehicle's value
Get the value from NCDMV's current Value Schedule at any license plate agency or by calling NCDMV at 919-715-7000. Mobile homes and vehicles not on the schedule need 2 appraisals from different North Carolina dealers, on dealer letterhead, and the highest one sets the bond.
Buy the bond for the required amount
Buy the Form MVR-92D Indemnity Bond for 1.5 times the value (at least $100) from an insurer licensed to write surety bonds in North Carolina. You and the bonding company sign it before a witness, with the power of attorney attached and no alterations.
Sign the title application before a notary
Complete Form MVR-1 (Title Application), declaring all liens. Your name and the VIN, year, make and body style must match the bond and the inspection report exactly.
Pass emissions and pay at titling
If your county requires it, pass an emissions inspection at an authorized station before a plate is issued. Pay the $66.75 title fee and the highway use tax when the vehicle is titled.
Who qualifies
- The vehicle must be kept in North Carolina, and a nonresident's vehicle must already be registered in North Carolina.
- Bonds are not accepted for abandoned vehicles, mechanic's or storage liens, or any lien that cannot be cancelled.
- Bonds are not accepted while litigation is pending, such as an estate, a divorce, a civil suit or a repossession.
- Vehicles branded parts only, non-rebuildable or junked, and insurance total-loss vehicles that were never titled to the insurer or were sold without a title, do not qualify.
- A vehicle that does not run at inspection gets an Inoperable Title and cannot be registered until an inspector finds it operable.
State fees
- Certificate of title feepaid to NCDMV
- $66.75
These are the state’s fees. The bond premium is separate and shown in the price card.
After the bond
The bond takes effect when NCDMV issues the new title and stays on file with NCDMV for 3 years. It is returned after 3 years, or sooner if the vehicle is no longer registered in North Carolina and the title is surrendered, unless a claim on the bond is pending.
Checked on 22 October 2026 against NCDMV Form MVR-92A Requirements/Instructions for Obtaining Title by Filing an Indemnity Bond (Rev. 04/26), NCDMV Form MVR-92D Indemnity Bond (Rev. 04/26), NCDMV: Vehicle Title Special Cases, N.C. Gen. Stat. 20-76 and N.C. Gen. Stat. 20-85 (title fee). 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, North Carolina lets you establish ownership with a bonded title under G.S. 20-76. You post an indemnity bond, the DMV issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim to the vehicle.
The bond amount is one and a half times the vehicle’s value, with value determined by the DMV’s Current Value Schedule. If the vehicle isn’t listed in the schedule — or it’s a mobile home — the DMV requires two appraisals from North Carolina dealers. The bond is filed on form MVR-92D.
If someone with a better claim comes forward and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. North Carolina requires the bond filed within 30 days, and the bonded title typically runs a three-year term, after which a clean title issues.
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 three-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 DMV. Take the executed indemnity bond (form MVR-92D) to the DMV with your title application — North Carolina requires the bond filed within 30 days. Wet-ink originals mailed whenever the office insists.
What sets the price
The premium is 0.9% of the bond amount plus a $25 fee, $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, most issued on the spot.
Submit the application with your bond amount (1.5× the vehicle’s value) — most executed title bonds are generated instantly and ready to take to the DMV.
Start the application →Common questions.
Other North Carolina 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, see your exact price, and take it to the DMV the same day.