Montana Bonded Title

If you lost your original title before it was issued in your name, the title was improperly assigned to you, or you never received a title in the first place, you may be qualified to apply for a bonded title in Montana. Your vehicle must be worth over $500 to be eligible.

If you had the original title in your name at any point but lost it, you can apply for a duplicate certificate of title instead. Contact your local Motor Vehicle Division (MVD) to determine which type of title you’re eligible for.

Follow these instructions to obtain a title bond from a surety provider like ZipBonds and a certificate of title from the Montana MVD.

1. Have your car inspected.

A law enforcement officer must complete a Vehicle Identification Number Inspection Certificate for you. You’ll submit this document with your application.

2. Run a vehicle record search.

Ask your MVD to search your vehicle records using your VIN. That way, you’ll learn if someone else owns your vehicle (has the title) or if any liens exist. If someone else has the title, you must contact them by certified mail and ask them to sign the title over to you. If they do, you won’t need a bonded title. If there’s a lien against your vehicle, you must request a release. Complete “Montana Security Interest Processing: New” – Form MV81B. There’s an $8.24 fee for each lien or security interest.

3. Provide proof of ownership.

If you have a canceled check, purchase invoice, or notarized bill of sale for your vehicle, include it in your application.

4. Apply for a title bond.

Fill out the Application for Break/Bond Title (simply click the form at the bottom of this page to begin the application for Montana residents). Before you apply, make sure you have this information on hand:

• Vehicle value (according to NADA): You should include a copy of the NADA guide that shows your vehicle’s current value.
• The circumstances that explain how you came to own your vehicle
• Security interests (liens) disclosure – if applicable

Your title bond must be equal to the value of your car. For example, if your vehicle is worth $1,500, you will need a $1,500 title bond.

5. Submit your application.

Include all the documents mentioned above in your application. If you need license plates, you must submit your application to your county treasurer’s office, along with any applicable fees. If you don’t need license plates, you can return your application to the vehicle services bureau or your county treasurer’s office. Once your application is reviewed and accepted, you will receive a certificate labeled “Bonded Title.” The title will remain active for three years, and then you may apply for a standard certificate of title. Simply return your bonded title.

Montana title bonds are quickly issued, typically cost around $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.