Arizona Bonded Title Process

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Surety Bond Professionals is a family-owned and operated bonding agency with over 30 years of experience. With access to a broad range of surety markets, our expert agents are ready to assist with all of your Arizona title bond needs. Learn more about the Arizona bonded title process, below.

What Is a Bonded Title?

If you want to register a vehicle you have purchased or been given but do not have a title for it, there is a process that will enable you to obtain a bonded title. A title with a surety bond attached is required to protect the MVD and the rightful owner if it turns out that someone else has a legitimate ownership interest in the vehicle.  Follow the steps in this article to obtain a bonded title that will enable you to register your vehicle.

Who Is Eligible for a Bonded Title?

People generally seek a bonded title because they bought a vehicle from a private seller and did not receive a valid title or received one that was lost or stolen before they were able to register the vehicle in their own name. Your local MVD office can tell you if the vehicle in question meets the criteria for a bonded title.

How Do I Get a Bonded Title?

This is what the process involves in general, but not all steps necessarily will apply in your particular situation. Check with your local MVD office to see what’s required in your case:

  • Request a motor vehicle record search by your local MVD office. If the search reveals a lien on the vehicle, request a lien release from the lienholder via certified mail.
  • Ask a police officer to verify the VIN and make sure the vehicle has not been reported as stolen.
  • Complete and sign an application for an Arizona bonded title and a Bonded Title Affidavit, and submit them along with all supporting documentation, including any lien release.
  • MVD will review everything and determine whether you are eligible for an Arizona bonded title. If your application is approved, MVD will tell you the vehicle’s appraised value, which will determine the amount of the surety bond you may be required to purchase.
  • If you did not receive a lien release, purchase a 3-year Arizona title bond in an amount that is 1.5 times MVD’s appraisal of the vehicle’s value.
  • Submit the bond and other required documents to MVD and wait for your Arizona bonded title to be issued.

How Are Title Bond Claims Paid?

During the three-year term of your Arizona title bond, anyone who can prove ownership of the vehicle can file a claim for a financial loss attributable to you having been issued a bonded title. Although you are legally obligated to pay any valid claim, the bonding company typically will pay it on your behalf and then collect reimbursement from you. Your obligation to pay claims continues for the full three years even if you sell the car during that time.

How Much Does a Title Bond Cost?

How much you will pay for an Arizona title bond depends on how much risk the surety perceives in paying claims on your behalf. With a high personal credit score, you should qualify for the standard market rate of 1% to 2% of the required bond amount.

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Our surety bond professionals will get you the Arizona title bond you need at a competitive rate.