Massachusetts Bonded Title Guide
SuretyBonds.com provides the fastest and easiest way to get your Massachusetts bonded title. Learn how to navigate the lost vehicle title bonding process with our complete guide.
Bond Overview
- Purpose: To ensure legal ownership of a vehicle
- Who Needs It: Individuals registering a vehicle without a valid title
- Regulating Body: The Registry of Motor Vehicles, Title Department
- Required Amount: 1.5x the vehicle’s NADA trade-in value
- Premium Rate: Typically $20/$1,000, with a $100 minimum
What Is a Massachusetts Bonded Title?
A bonded title is simply a vehicle title backed by a surety bond for financial security.
It allows you to legally register a vehicle with the state of Massachusetts when the original title is invalid or unavailable.
What Is a Massachusetts Certificate of Title Bond?
Massachusetts Title Law, Chapter 90D, Section 12 requires individuals who own vehicles with missing titles to file a bond as part of the ownership registration process.
By filing a Massachusetts certificate of title surety bond, you verify you legally own the vehicle and that it was not acquired under fraudulent circumstances.
How Much Bond Coverage Do I Need?
Your title bond amount must be 1.5 times the vehicle’s clean trade-in value. For example, if your vehicle’s trade-in value is $5,000, you need a $7,500 title bond.
Calculate the value using NADA or ask the registrar to help appraise the vehicle.
How Much Do Title Bonds Cost in Massachusetts?
Massachusetts certificate of title bond premiums start at $100 for the 3-year term.
Exact costs vary depending on the surety bond amount you need:
- $100–$5,000 Bond: Costs $100
- $5,001–$50,000 Bond: Costs $15 per $1,000, starting at $100
- $50,000+ Bond: Application required to quote
Select your bond amount below to buy now or apply for a free quote.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does a Massachusetts Certificate of Title Bond Work?
A Massachusetts title bond creates a legal contract between three parties:
- Principal: The vehicle owner purchasing the bond
- Obligee: The Massachusetts Registry of Motor Vehicles requiring the bond
- Surety: The provider issuing the bond
The Massachusetts bonded title protects any prior owners and lienholders or any future purchaser of the vehicle from expenses, losses, or damages.
Who Needs a Vehicle Title Bond?
Typically, you will need a bonded title in Massachusetts under any of these conditions:
- You lost the vehicle title before registering it in your name.
- You purchased a vehicle but were never given a title by the seller.
- The title you received is damaged or contains significant errors.
How Do I Get a Title Bond in Massachusetts?
You can purchase your Massachusetts title bond online 24/7 with SuretyBonds.com. You must provide the following vehicle information for filing approval:
- Vehicle year
- Vehicle make
- Vehicle identification number (VIN)
Once you checkout, you'll receive your official vehicle title surety bond in minutes via email.
How Fast Can I Get My Bond?
SuretyBonds.com offers instant Massachusetts vehicle title surety bond delivery online 24/7*.
Purchase now to receive your official bond in minutes by email.
*Note: If your bond amount is higher than $50,000, your purchase order will be reviewed by a team member before we email your documents.
How to Get a Bonded Title in Massachusetts
The Massachusetts Registry of Motor Vehicles (RMV) enforces registration requirements for vehicles with lost, stolen, or missing titles.
To be eligible for a bonded title, you must:
- Be a permanent resident of Massachusetts
- Have the vehicle located within the state
- Ensure there is no title application record for the vehicle
If you qualify, follow the five steps below to apply for your Massachusetts bonded title.
Step 1: Consult the RMV
Massachusetts does not require a bonded title for every applicant. Contact your local RMV office to confirm if you qualify for one.
Step 2: Prepare an affidavit
Write a detailed, notarized affidavit describing the complete history of your vehicle to the best of your knowledge.
Be sure to include the following information:
- Vehicle identification number (VIN)
- Vehicle make and model
- Vehicle year
Step 3: Get a VIN inspection
Get your vehicle inspected at a state or local police station. Obtain a signed Proof of Visual Inspection form.
Step 4: Purchase a surety bond
Purchase and file a title surety bond worth 2 times the trade-in value of the vehicle.
With SuretyBonds.com, you can buy your Massachusetts title bond online starting at $100.
Step 5: Submit your application
Mail the title application, bond and all documents to the RMV at the address below:
Massachusetts Registry of Motor Vehicles
Attention: Title Department
PO BOX 55885
Boston, MA 02205-5889
Do I Need to Renew My Bonded Title?
No, your Massachusetts bonded title will expire after three years and won’t require renewal.
If there are no bond claims or liens on the vehicle, you’ll receive a standard title.
Can I Get a Bonded Title With Bad Credit?
Yes, you may still be able to get a bonded title with bad credit.
Massachusetts certificate of title bonds are typically available for instant purchase with no credit check.
If your bond does require an application, we’ll search for the best available rate with our surety markets.
Can I Sell a Car With a Massachusetts Bonded Title?
Yes, a bonded title acts the same as a regular title, allowing you to register, sell or transfer the vehicle.
