Mississippi Vehicle Title Bonds

A bonded title in Mississippi is a regular vehicle title the Mississippi Department of Revenue (DOR) issues on the strength of a surety bond. You use it when you cannot get the normal proof of ownership — for example, you were never given a properly assigned title and cannot reach the previous owner. Mississippi’s official form is the Certificate of Title Bond (Form 78-016), and the bond equals one and one-half (1.5x) times the vehicle’s value.

The bond protects the Mississippi Department of Revenue and any prior owner, lienholder, or future buyer if someone else turns out to have a claim on the vehicle. You file it together with your title application — it does not replace the application. Mississippi law calls this filing a bond under Miss. Code § 63-21-23.

Mississippi sets the bond at 1.5 times your vehicle’s value, and the bond stays in effect for three years. If no valid claim is made during that time, the bond ends and you keep a clear Mississippi title.

A surety bond is not the only option. Mississippi Code § 63-21-23 also lets you deposit cash in the same amount in place of a surety bond. And if you are the owner of record and have simply lost your Mississippi title, you do not need a bond at all — apply for a duplicate with Form 78-006 instead.

You do not pay the full bond amount. In Mississippi, the surety bond must equal 1.5 times your vehicle’s value. You pay a premium, which is a smaller percentage of that bond amount.

Your premium depends on the bond amount and underwriting. Use the calculator above for an estimate; your final premium may vary. The $9 title fee and any registration or tax charges are paid to the State of Mississippi and are separate from the bond premium. (Mississippi also lets you post a cash deposit of the same 1.5x amount in place of a surety bond.)