Georgia bonded title & title bond

Georgia Vehicle Title Bonds

Also called a motor vehicle ownership surety bond or defective title bond. In Georgia, get an instant estimate with one simple input—your vehicle's fair market value.

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Georgia (GA)

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At a glance

Georgia Bonded Title Key Facts

Bond amountTwo times the vehicle's average retail value (per values established by the Georgia Department of Revenue), with a minimum bond amount of $5,000

Bond term3 years

Governing authorityGeorgia Dept of Revenue - Motor Vehicles

Governed by O.C.G.A. § 40-3-28.

The basics

What Is a Bonded Title in Georgia?

A bonded title in Georgia is a regular certificate of title the Georgia Department of Revenue (DOR) issues on the strength of a surety bond. You use it when you do not have the proof of ownership the DOR normally requires — for example, you bought a vehicle but never received a properly assigned title. Georgia calls this a Motor Vehicle Certificate of Title Bond (DOR form MV-46).

Good to know — No minimum vehicle value — a surety bond is required whenever you lack the normal proof of ownership for a vehicle that needs a Georgia title. The bond amount itself has a $5,000 minimum.

The bond is made out to the State Revenue Commissioner and protects any prior owner, lienholder, or later buyer if someone else turns out to have a claim on the vehicle. You file the bond together with your title paperwork — it does not replace the application.

Georgia sets the bond at two times the vehicle’s average retail value (using the DOR’s own assessment values), and never less than $5,000. The bond stays in force for four years, and you must apply for the title within six months of the date the bond was issued.

Eligibility

Do You Qualify for a Georgia Bonded Title?

You may qualify when all of the following are true.

You do not have the proof of ownership the DOR normally requires to title the vehicle in your name.
The owner is a legal resident of Georgia.
The vehicle is one that requires a Georgia title.
The vehicle is a 1986 or newer model year (1985 and older model-year vehicles do not qualify).
The vehicle is not an abandoned vehicle.
The bond is backed by an insurance company licensed to issue surety insurance in Georgia, with the vehicle owner’s legal name as the principal.

Step by step

How to Get a Bonded Title in Georgia: Step by Step

Confirm you need a bonded title

Georgia requires a Motor Vehicle Certificate of Title Bond when you cannot give the DOR the normally required proof of ownership. Make sure the vehicle needs a Georgia title, that you are a Georgia resident, that the vehicle is a 1986 or newer model, and that it is not an abandoned vehicle.

Tip: Gather any ownership papers you do have, such as a bill of sale or a prior registration.

Determine your bond amount

Your bond must equal two times the vehicle's average retail value, using the values established by the Georgia DOR, and can never be less than $5,000. Your insurance company can verify the bond amount by calling the Motor Vehicle Division, and certain bond amounts can be obtained from your County Tag Office. Enter your bond amount in the calculator above to estimate your premium.

Affidavit Supporting Certificate of Title Bond Application (MV-46A)

Tip: The bond amount is two times the value, not one times — confirm the figure before you buy.

Buy and complete your MV-46 title bond

Purchase the bond from an insurance company licensed to issue surety insurance in Georgia and complete the Motor Vehicle Certificate of Title Bond (form MV-46) in the vehicle owner’s legal name. The owner and the insurance company agent both sign, all signatures are witnessed, and a power of attorney authorizing the agent must be attached. Once issued, the bond stays in force for four years.

Motor Vehicle Certificate of Title Bond (MV-46)

Tip: All signatures on the bond must be witnessed, and the agent’s power of attorney must be attached.

Get the vehicle inspected

Have the vehicle inspected and complete the Certification of Inspection (form T-22B). If the T-22B shows the serial (VIN) plate is missing, you must also complete a Missing Serial Plate Affidavit (form T-128).

Certification of Inspection (T-22B)

Tip: If the serial plate is missing, add Form T-128.

Gather your title history and supporting documents

Get a report from the National Motor Vehicle Title Information System (NMVTIS) or an equivalent system authorized by the DOR. If the title of record is from another state, include a certified title history from that state. If the history shows a lien or security interest, include a release (Form T-4).

Notice of Satisfaction of Security Interest or Lien Holder’s Affidavit (T-4)

Tip: Out-of-state titles need a certified title history from the issuing state.

File everything at your County Tag Office within six months

Submit the completed MV-1 Title/Tag Application, the signed MV-46 bond, the notarized MV-46A affidavit, the T-22B inspection, your NMVTIS report and ownership papers, and pay the $18 title fee at your County Tag Office. You must apply for the title within six months of the bond’s issue date.

Title/Tag Application (MV-1)

Tip: Do not let six months pass after the bond is issued, or you may have to start over.

Paperwork

Georgia Title Bond Documents

Title/Tag ApplicationMV-1

The main Georgia title and tag application.

View form

Motor Vehicle Certificate of Title BondMV-46

The surety bond filed with your application; signed, witnessed, with the agent’s power of attorney attached.

View form

Affidavit Supporting Certificate of Title Bond ApplicationMV-46A

Notarized affidavit in the same name as the MV-46; supports the bond amount.

View form

Certification of InspectionT-22B

Vehicle inspection and identification-number verification.

View form

Missing Serial Plate AffidavitT-128

Only if the T-22B indicates the serial (VIN) plate is missing.

View form

Notice of Satisfaction of Security Interest or Lien Holder’s AffidavitT-4

Only if the title history shows a lien or security interest that must be released.

View form

You'll also need

A report from the National Motor Vehicle Title Information System (NMVTIS) or an equivalent system authorized by the DOR

A certified title history from the issuing state, if the title of record is from outside Georgia

Any available ownership papers (title, bill of sale, lien release, etc.)

A power of attorney authorizing the agent to write the bond, attached to the MV-46

Cost

How Georgia Title Bond Pricing Works

You do not pay the full bond amount. In Georgia the bond amount is two times the vehicle’s average retail value (with a $5,000 minimum). You pay a premium, which is a smaller percentage of that bond amount.

Your final premium depends on the bond amount and underwriting. Use the calculator above for an estimate; your final price may vary. The $18 title fee is a state fee, separate from the surety bond premium.

Worked example

If your vehicle’s average retail value is $8,000, the bond amount is $16,000 (two times the value). You do not pay $16,000 — you pay only the premium, a small percentage of the bond amount. If two times the value came to less than $5,000, the bond would be written at the $5,000 minimum instead.

Get help

Filing Information

Georgia Dept of Revenue - Motor Vehicles

855-406-5221

Websitedor.georgia.gov/motor-vehicles

Where to fileApply at your local County Tag Office. The DOR Motor Vehicle Division mailing address is P.O. Box 740382, Atlanta, GA 30374-0382; the in-person office is 4125 Welcome All Road, Atlanta, GA 30349.

Find a Filing Officedor.georgia.gov/county-tag-offices

FAQ

Georgia Bonded Title FAQ

Does Georgia issue a bonded title?

Yes. The Georgia Department of Revenue issues a certificate of title backed by a Motor Vehicle Certificate of Title Bond (form MV-46) when you do not have the proof of ownership normally required (O.C.G.A. § 40-3-28).

How much is a Georgia title bond?

The bond amount is two times the vehicle’s average retail value, using the values established by the Georgia DOR, and never less than $5,000. You pay a premium — a percentage of that bond amount — not the full bond. Use the calculator above to estimate it.

How is my vehicle’s value determined in Georgia?

By the average retail value the Georgia Department of Revenue establishes for the vehicle. The bond is written for two times that value, regardless of the vehicle’s condition, with a $5,000 minimum. Your insurer can verify the bond amount with the Motor Vehicle Division.

How long does a Georgia title bond last?

Four years. Under O.C.G.A. § 40-3-28 the bond expires at the end of four years unless the Department has been notified of a breach of a condition of the bond.

How long do I have to apply for the title after I get the bond?

Six months. The title must be applied for within six months of the bond’s issue date, so do not buy the bond until you are ready to file.

Which vehicles do not qualify for a Georgia bonded title?

A 1985 or older model-year vehicle and an abandoned vehicle do not qualify. The owner must also be a legal resident of Georgia, and the vehicle must be one that requires a Georgia title.

Where do I file my Georgia bonded title paperwork?

At your local County Tag Office. Submit the MV-1, the signed MV-46 bond, the notarized MV-46A, the T-22B inspection, your NMVTIS report and ownership papers, and pay the $18 title fee. Call the Motor Vehicle Division at 855-406-5221 with questions.

Sources

Georgia DOR — Bonded Vehicle Title (process, required forms, bond amount, six-month window, $18 fee, eligibility)Georgia DOR — MV-46 Motor Vehicle Certificate of Title Bond (form)Georgia DOR — MV-46A Affidavit Supporting Certificate of Title Bond Application (form)Georgia DOR — Contact the Motor Vehicle Division (phone, mailing and in-person address)O.C.G.A. § 40-3-28 — Registration where commissioner not satisfied as to ownership; bond (payable to the commissioner; expires at the end of four years)

Last verified 2026-06-23. Requirements change — confirm current details with Georgia Dept of Revenue - Motor Vehicles before you file. This page is informational and not legal advice.

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VehicleTitleBond.com is operated by Insurance Services by Shield, a California and Texas licensed insurance agency (CA License #6018195, TX License #3446536). Insurance Services by Shield is not an insurance carrier and does not underwrite bonds or insurance policies. Bond and coverage availability, pricing, and issuance are subject to carrier underwriting approval, eligibility, applicable state requirements, and policy or bond terms. Availability varies by state.