Texas bonded title & title bond
Texas Vehicle Title Bonds
Also called a motor vehicle ownership surety bond or defective title bond. In Texas, get an instant estimate with one simple input—your vehicle's fair market value.
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At a glance
Texas Bonded Title Key Facts
Governed by Tex. Transp. Code § 501.053.
The basics
What Is a Bonded Title in Texas?
A bonded title in Texas is a regular vehicle title the Texas Department of Motor Vehicles (TxDMV) issues on the strength of a surety bond. You use it when you cannot get the normal proof of ownership — for example, the title is lost and the seller cannot provide one — and the vehicle is in your possession. Texas law calls this filing a bond under Transportation Code § 501.053.
Good to know — There is no minimum vehicle value to require a bond — the surety bond is the standard path. For vehicles 25 years or older that appraise under $4,000, the value used to set the bond is $4,000.
The bond protects the TxDMV and any future owner or lienholder 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.
Texas sets the bond at 1.5 times your vehicle’s value, and the bond stays in effect for three years. If no one makes a valid claim during that time, the bond ends and you keep a clear title.
A bonded title is not the only path. If you cannot qualify for a bond — for example, you cannot clear a lien that is less than 10 years old — Texas also allows a tax assessor-collector hearing or a court order to establish ownership.
Eligibility
Do You Qualify for a Texas Bonded Title?
You may qualify when all of the following are true.
- You are a Texas resident, or military personnel stationed in Texas.
- The vehicle is in your possession.
- The vehicle is complete — it has a frame, body, and motor (a motorcycle needs a frame and motor).
- The vehicle is not junked, nonrepairable, or otherwise ineligible for a title.
- There is no lien on the vehicle, any lien is at least 10 years old, or you have a release of lien or letter of no interest for any lien less than 10 years old.
Step by step
How to Get a Bonded Title in Texas: Step by Step
Confirm you qualify
Check that you are a Texas resident (or military stationed in Texas), the vehicle is in your possession and complete, and any lien is resolved. You cannot get a bonded title if you cannot clear a lien that is less than 10 years old.
Apply for a determination
Submit the Bonded Title Application (Form VTR-130-SOF), a copy of your photo ID, and the $15 fee to the TxDMV Regional Service Center that serves your county, in person or by mail.
Bonded Title Application or Tax Collector Hearing Statement of Fact (VTR-130-SOF)Get your Notice of Determination and bond amount
If approved, the TxDMV issues a Notice of Determination (Form VTR-130-ND) showing the bond amount you must buy, equal to 1.5x the vehicle’s value. Value comes from the Standard Presumptive Value, then NADA, then a licensed appraisal on Form VTR-125 if neither is available. Enter your value in the calculator above to estimate your premium.
Motor Vehicle Appraisal for Tax Collector Hearing / Bonded Title (VTR-125)Buy your surety bond
Take the Notice of Determination to an insurance agency or any agency licensed to sell vehicle surety bonds in Texas and buy a bond for the amount on the notice. Once issued, the bond stays in effect for three years.
File your title application at the county tax office
Within 30 days of buying the bond, take the original Notice of Determination, the surety bond, the Application for Texas Title and/or Registration (Form 130-U), your ID, and any required documents to your county tax assessor-collector office, and pay the title and registration fees.
Application for Texas Title and/or Registration (130-U)Paperwork
Texas Title Bond Documents
Filed with the TxDMV Regional Service Center to start the process.
View formIssued by the TxDMV with your required bond amount (not a downloadable form).
Sets the vehicle value only when no SPV or NADA value is available.
View formThe main title/registration application, filed at the county tax office.
View formCompleted by an authorized inspector when a VIN inspection is required.
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Cost
How Texas Title Bond Pricing Works
You do not pay the full bond amount. In Texas, 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 $15 TxDMV application fee and your county’s title and registration fees are separate from the bond premium.
Worked example
If your vehicle’s value is $8,000, the bond amount is 1.5x that, or $12,000. You pay only the premium on the $12,000 bond, not the full $12,000.
Get help
Filing Information
Texas Dept of Motor Vehicles - Vehicles Titles & Registration Div
1-888-368-4689FAQ
Texas Bonded Title FAQ
Yes. Texas issues a title backed by a surety bond under Transportation Code § 501.053 when you cannot get the normal ownership documents and the vehicle is in your possession.
The bond amount is 1.5 times your vehicle’s value. You pay a premium — a percentage of that amount — not the full bond amount. Use the calculator above to estimate it.
The TxDMV uses the Standard Presumptive Value (SPV); if there is no SPV, a NADA value; if neither is available, a licensed dealer or insurance adjuster appraisal on Form VTR-125. For vehicles 25 years or older that appraise under $4,000, the value is set at $4,000.
Three years. Under Transportation Code § 501.053, the bond expires on the third anniversary of the date it became effective.
Start at the TxDMV Regional Service Center that serves your county with Form VTR-130-SOF, your ID, and the $15 fee. After you buy the bond, file your title application at your county tax assessor-collector office.
A bonded title will not be issued on a vehicle with a lien less than 10 years old unless you provide a release of lien or a letter of no interest from the recorded lienholder. Liens 10 years or older do not block a bonded title.
One year from the date on your Notice of Determination (Form VTR-130-ND). After you buy the bond, file your title application at the county tax office within 30 days.
Sources
Last verified 2026-06-23. Requirements change — confirm current details with Texas Dept of Motor Vehicles - Vehicles Titles & Registration Div 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.
