New Hampshire Bonded Title Guide
SuretyBonds.com provides the fastest and easiest way to get a New Hampshire bonded title. Learn how to navigate the lost vehicle title bonding process with this complete guide.
Bond Overview
- Purpose: To guarantee legal ownership of a vehicle and protect previous and future owners
- Who Needs It: Individuals looking to register, transfer or sell a vehicle without a valid title
- Regulating Body: The Department of Public Safety – Motor Vehicle Division
- Required Amount: 1.5x the vehicle’s value
- Premium Rates: $20 per $1,000 in coverage, starting at $100
- Term Length: Valid for 3 years, does not renew
What Is a New Hampshire Bonded Title?
A New Hampshire bonded title is simply a vehicle title backed by a surety bond. It proves you are the legal owner of a vehicle when the original title is invalid, unavailable or can not be transferred.
What Is a New Hampshire Certificate of Title Bond?
New Hampshire Revised Statute § 261:10 requires individuals with insufficient proof of vehicle ownership to file a surety bond as part of the vehicle registration process.
The certificate of title bond acts as financial security to repay monetary losses if the car turns out to be stolen or the title is otherwise invalid. In the event of theft or forgery, the surety can compensate the rightful owner or prior lienholders for any damages.
How Much Do Title Bonds Cost in New Hampshire?
To get a New Hampshire bonded title, your certificate of title bond must cover 1.5 times the vehicle’s appraised value. For example, a car worth $8,000 needs $12,000 in bond coverage.
Your price will depend on the required bond amount as follows:
- Bond amounts up to $5,000: $100 flat rate
- Bond amounts from $5,001 to $50,000: $20 per $1,000 of coverage, with a $100 minimum
- Bond amounts for more than $50,000: Require underwriter review for pricing, starting at $750
You can determine your vehicle’s value using NADA or Kelley Blue Book. We recommend verifying your exact amount with the state before purchasing to ensure your bond will be accepted.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does a New Hampshire Bond for a Lost Vehicle Title Work?
A New Hampshire title bond creates a legal contract between three parties:
- Principal: You, the bonded title applicant purchasing the bond
- Obligee: The Department of Public Safety – Motor Vehicle Division
- Surety: The provider issuing the bond
By filing this bond, you verify you are the vehicle's sole, legal owner to the best of your knowledge.
If another party provides ownership documentation, they can file a claim against the bond. The surety company will pay valid claims up to the full bond amount, which you must reimburse.
Who Needs a Certificate of Title Bond?
Typically, you will need a New Hampshire bonded title under these conditions:
- You did not receive a title when you bought the vehicle
- Your title was incorrectly assigned
- You lost the title before transferring it into your name
If you lost your existing title, you can typically just request a duplicate title.
Title bonds are required to register vehicles with missing titles. If you plan to sell vehicles, you can learn more about New Hampshire Auto Dealer Bonds here.
How Do I Get a Bond for a Lost Car Title in New Hampshire?
To get a New Hampshire title bond, you must provide the following information for MVD approval:
- Vehicle owner's name
- Address
- Vehicle identification number (VIN)
- Year
- Make
- Model
- Body type
Then, buy online or submit a quote request with SuretyBonds.com to receive your bond via email same-day.
How Fast Can I Get My Bond?
If your bond amount is below $50,000, you can buy and receive your bond instantly online.
For bond coverage over $50,000, we can typically process applications same-day. Apply now to get started.
How to Get a Bonded Title in New Hampshire
The New Hampshire Division of Motor Vehicles enforces vehicle registration in the state, including bonded title issuance. Follow the steps below to apply for your New Hampshire bonded title.
Step 1: Verify your eligibility
Contact your local DMV office to confirm if you need and qualify for a bonded title. The DMV will perform a record search to identify previous owners and active liens:
- If a previous owner appears as the title holder, send them a certified letter asking them to transfer the title to you.
- If a lien exists, send a certified letter to the lienholder requesting a lien release. You must resolve all liens before proceeding.
Step 2: Purchase a certificate of title bond
Purchase a title bond worth 1.5 times your vehicle’s appraised value. Calculate your vehicle’s value using Kelley Blue Book or NADA.
Then, buy your New Hampshire certificate of title bond online 24/7 at SuretyBonds.com starting at just $100. Get an instant quote today.
Step 3: Request a bonded title application
Visit your local city or town clerk’s office to request a bonded title application. Include basic vehicle and owner information such as the VIN, name, address, bond amount, and the vehicle's year, make, and model.
Step 4: Submit application and supporting documents
Mail the following materials to your local New Hampshire DMV or town/city clerk’s office:
- Completed bonded title application
- Title bond documentation
- Proof of ownership (e.g., bill of sale)
- Certified letter copies
- Lien release form (if applicable)
- Any other requested documentation
- $50 application fee
After submitting your application, the DMV will review the materials and process your request.
The approval process generally takes 1–4 weeks. For updates or additional questions, contact your local DMV office directly.
Can I Sell a Vehicle With a Bonded Title in New Hampshire?
Yes, a New Hampshire bonded title allows you to register, insure and transfer ownership of a vehicle when the original title is lost. The certificate of title bond provides security for the vehicle purchaser.
Can I Update My Bond Form?
Yes, the most common changes for these bonds include updating the:
- Vehicle information
- Owner name
- Address
If your certificate of title bond form needs amended for any reason, email [email protected] to explain the request.
Can I Get a Bonded Title With Bad Credit?
Yes, these 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.
How Do I Renew My Certificate of Title Bond?
New Hampshire bonded titles expire three years from the effective date and do not renew. The state will return the bond at that time and you can apply for a standard title.
What If My New Hampshire Bonded Title Is Stolen, Lost or Destroyed?
The New Hampshire DMV will issue a duplicate bonded title for stolen and lost titles if you previously held the title in your name. To request a duplicate bonded title, complete the following steps:
- Fill out an Application for Duplicate Certificate of Title. If there are two owners, both should sign.
- Pay the $25 replacement fee by check or money order.
- Provide a lien release, if required. The form must be signed by the lienholder.
- Deliver the application and lien release to a New Hampshire DMV office or the state DMV.
