Bonded Title: Minnesota

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What is a bonded title in Minnesota?

A Minnesota bonded title is a certificate of title with a surety bond attached. The bonded title allows you to claim ownership of a vehicle you purchased without a title. With it, you can legally transfer ownership, register, and insure your car.

The attached surety bond is called a title bond. It may also go by other names in Minnesota, including “certificate of title bond” and “ownership and security interest surety bond.” The bond guarantees other parties that you are the valid owner of the vehicle.

If someone else ends up being the true owner, they can file a claim on your bond. When that happens, your surety will investigate if the claim is valid. If it is, you must satisfy the claim, or your surety will do it for you. You will then be responsible for paying them back in full.

Get Your Minnesota Title Bond:

Quick Takeaways

  • A Minnesota bonded title is a certificate of title with a surety bond attached.
  • The bond guarantees other parties that you are the vehicle’s true owner.
  • Your vehicle must be at least six years old to qualify for a bonded title.
  • Minnesota title bonds are quickly issued, typically cost $100, and have a 3-year bond period.

Who needs a bonded title in MN?

If you never received a Minnesota car title when you bought, inherited, or were given your vehicle, or you lost the title before you could transfer it to your name, you may need a bonded title. Your car must be at least six years old to qualify.

If you had a title in your name and lost it, you won’t need a bonded title. You can get a duplicate certificate of title instead.

How to Get a Bonded Title in MN

To get a bonded title in Minnesota, follow this general process. Ensure you contact your local DMV before applying to ensure your eligibility.

You can learn more about the process and regulations by checking out these resources:

1. Complete an application to title your vehicle.

Fill out the Application to Title/Register a Vehicle. You can get your application online or from a local motor vehicle deputy registrar office. You must either get the seller’s signature for Section C or submit a bill of sale identifying your vehicle (including the VIN, year, and make), the buyer’s name, and the date of purchase.

2. Complete a Statement of Facts.

The seller should complete the Statement of Facts form. If you can’t locate the seller, you can fill out this form yourself by clearly stating the circumstances of your situation.

3. Complete an Affidavit form.

You can fill out an Affidavit Regarding Due Diligence online or print it out. Don’t mail it in. Submit it directly to a local deputy registrar office instead.

When you visit the deputy registrar office, you should receive a title bond form and the required bond amount you need (which will be 1.5 times the value of your vehicle).

4. Take photos of your vehicle.

You must also provide photos showing all sides of your vehicle and the VIN plate.

5. Get a Minnesota title bond.

Purchase a title bond for 1.5 times the value of your vehicle from a surety provider like ZipBonds. These bonds are often issued quickly and cost around $100 for a three-year term.

6. Submit your completed application and title bond.

Take all your documents to your local deputy registrar office, including your title bond.

7. Pay appropriate fees.

Pay sales tax and any title and registration fees that apply.

How much does a certificate of title bond cost in Minnesota?

Minnesota title bonds are quickly issued, typically cost $100, and have a 3-year bond period. After the bond expires, there is no requirement for the bond. You will be eligible for a standard certificate of title (removing the bonded brand) if no one has filed a claim against your bond.

Get a Title Bond in Minnesota

The experts at ZipBonds can help you obtain the bond you need. To connect with one of our team members, please give us a call at 888-435-4191 or email us at We’ll walk you through the process for title bonds to help you get bonded in a flash.



Founders Ryan Swalve and Zach Mefferd formed the vision for when they realized how overly complicated it was to help clients place surety. The frustration of being unable to incorporate the technology they’d used in other insurance-focused projects left them thinking “there has to be a better way.”

Fast forward a couple of years, and that better way is the impetus of everything we do at ZipBonds. We constantly look for innovative ways to improve the bonding process for our clients and agents. Our team comprises individuals who understand all angles of surety – for companies, agencies, and individuals. Incorporating everyone’s point of view to improve the process while simultaneously integrating cutting-edge technology is what sets our business apart.