How to Get a Bonded Title in Iowa

Vehicles, boats, snowmobiles and ATVs may need a bonded title if the original title is lost, missing or non-transferable. Iowa bonded titles, also known as defective titles, are only necessary if the vehicle is less than 12 years old and worth more than $1,000.

Use this comprehensive guide to get your Iowa title bond and registration quickly and affordably!

How to Complete the Iowa Bonded Title Process

Follow these five steps to get your Iowa bonded title:

#1: Take pictures of the vehicle

Take digital photos of your vehicle from the front and sides. Also include images of the public VIN plate and the manufacturer’s federal safety label. You’ll submit these when you apply in step three.

#2: Get ownership documentation

Ensure that you have some form of ownership documentation from the date of acquisition. Acceptable documents may include, but are not limited to, the following:

Bill of sale
Canceled check
Junking certificate

#3: Apply for a bonded title

Submit the online Application for Registration and Bonded Certificate of Title to the DOT. Attach your ownership documentation and photos as supporting documents.

Boats, snowmobiles and OHVs have a separate bonded title application form that you’ll submit to the Department of Natural Resources (DNR) instead.

#3: Receive title search records

The DOT will perform a title record search to see if there are existing owners, any outstanding liens or a junking certificate. If the record is clear and they cannot find or reach an owner, they will respond with next steps.

#4: Get vehicle inspection, if necessary

If the DOT requires you to get a vehicle inspection, they will contact you to set an appointment with an investigator from the Bureau of Investigation & Identity Protection.

For watercraft, snowmobiles and OHVs, the DNR may require a certified conservation officer to investigate the vehicle instead.

#5: Purchase a surety bond

Get your Iowa certificate of title bond instantly at SuretyBonds.com. Premiums typically cost $15 per $1k in coverage, with a $100 minimum. Your surety bond must cover 1.5x of the vehicle’s value as determined by the DOT.

Sign and submit your bond form to the DOT Office of Vehicle and Motor Carrier Services (or DNR for watercraft). The DOT will authorize the county treasurer to issue your defective title.

Do I Need to Renew My Iowa Bonded Title?

No — your bonded title will expire after three years. After that, you are eligible for a standard title and no longer need to hold an active surety bond.

How Much Does It Cost to Get a Bonded Title in Iowa?

Iowa bonded titles start as low as $100. You’ll need to buy a surety bond for 1.5x the value of the vehicle. Bond premiums typically cost $15/$1k of coverage. For example, a $10,000 Iowa title bond would cost $150.

You can use the DOT’s title fee estimator tool to calculate your additional registration fees. Follow the link then click on Tools > Dealer inquiry > Vehicle inquiry Search by VIN number.

How Long Does It Take to Get an Iowa Bonded Title?

It takes at least 12 weeks for the Iowa Department of Natural Resources (DNR) to investigate a bonded title request for a boat, snowmobile or an OHV.

The process for lost car titles in Iowa is typically quicker. The DOT will perform a vehicle history check. If an owner is listed on record, they’ll wait 10 days after mailing to receive a response before processing the bond.

You can get your official certificate of title bond in minutes at SuretyBonds.com.

Can I Get a Bonded Title for an Abandoned Vehicle in Iowa?

No, the Iowa DOT will not issue bonded titles for abandoned vehicles.

Can I Sell a Vehicle With an Iowa Bonded Title?

Yes, an Iowa bonded title allows you to register, insure and even transfer ownership of a vehicle when the original title is lost.