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Auto bonds · Georgia
Georgia certificate of title bonds, when the title is missing.
Bought a car, truck or trailer without a proper title? A certificate of title bond lets the Georgia Department of Revenue issue you a title anyway. The bond protects any earlier owner or lienholder who shows up later.
- Georgia form MV-46Issued on the Department of Revenue's own bond form.
- Apply onlineMost title bonds are approved quickly.
- Paid onceOne premium covers the full bond term.
Georgia requirements last reviewed November 2026
- Bond amount
- 2x the vehicle valueValue set by the Department of Revenue
- Minimum
- $5,000Even for low-value vehicles
- Term
- 4 yearsThen a standard title can be issued
- Filed with
- Your county tag officeGeorgia Department of Revenue
What it is
How a bonded title works.
When you cannot prove ownership with a title, the Department of Revenue can issue a title backed by a surety bond. If someone with a better claim to the vehicle comes forward, like a prior owner or a lender, they can claim against the bond instead of taking the vehicle.
The bond lasts four years. If no one makes a claim in that time, the vehicle is treated like any other titled vehicle.
A bonded title cannot be issued if there is an active lien on the vehicle, or for vehicles Georgia does not title.
Georgia requirements
Georgia title bond requirements.
Get the vehicle value from the Department of Revenue or your county tag office before you buy the bond, since the bond amount is based on it.
| Item | Requirement | Source |
|---|---|---|
| Bond amount | Two times the average retail value, at least $5,000Value is based on Department of Revenue figures, regardless of condition. | Georgia Department of Revenue |
| Forms | MV-46 bond and MV-46A affidavitPlus a law enforcement inspection (T-22B) and title application (MV-1). | Georgia Department of Revenue |
| Term | Four years from issueStated on the MV-46 bond form. | Form MV-46 |
| Not eligible | Vehicles with liens, and untitled vehicle typesClear any lien first. | Georgia Department of Revenue |
Tip: call your county tag office first and ask for the bond amount they need. Then apply with that number.
Cost
What a title bond costs.
You pay a one-time premium for the four-year term, based mostly on the bond amount. Smaller title bonds often cost around $100.
- Bond amountTwo times the vehicle value, with a $5,000 minimum.
- One-time premiumNo renewals. One payment covers the full term.
- CreditLarger title bonds may consider credit.
- Paperwork readyHaving the value and forms ready keeps it moving.
How to get it
Get your bonded title.
- 01
Get the value
Ask your county tag office or the Department of Revenue for the bond amount.
One phone call - 02
Buy the bond
Apply online, pay, and download your signed MV-46 bond.
Often same day - 03
File at the tag office
Bring the bond, the MV-46A affidavit, the T-22B inspection and your MV-1 title application.
One visit
Questions
Title bond questions, answered straight.
How much is a Georgia title bond?
The bond amount is two times the vehicle's average retail value as set by the Department of Revenue, with a $5,000 minimum. The premium you pay is a small one-time fee based on that amount.
How long does a Georgia title bond last?
Four years from the date it is issued.
What forms do I need?
The MV-46 bond, the MV-46A affidavit, a T-22B law enforcement inspection, and an MV-1 title application, plus any ownership papers you have.
Can I get a bonded title if there is a lien?
No. Georgia will not issue a bonded title while there is a lien on the vehicle.
Related Georgia bonds
Other bonds people ask about.
Sources: Georgia Department of Revenue, Bonded Vehicle Title; Forms MV-46, MV-46A, T-22B and MV-1. This page is general information about bond requirements, not legal advice.
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