Motor Vehicle Dealers - Used Vehicles Only
Required for used motor vehicle dealers in Georgia to obtain and maintain their dealer license. Protects consumers from fraudulent practices and ensures compliance with state regulations.
Trusted by thousands · Easy online process · Quick turnaroundRates and requirements last updated June 26, 2026
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About This Bond
Georgia Used Motor Vehicle Dealer Bond
The Georgia Used Motor Vehicle Dealer Bond is a surety bond required by the state for businesses engaged in the sale of used motor vehicles. This bond serves as a financial guarantee that the dealer will operate in accordance with Georgia's motor vehicle dealer laws and regulations.
Who Needs This Bond Used motor vehicle dealers operating in Georgia must obtain this bond as part of their licensing requirements. This includes independent used car lots, franchise dealers selling used vehicles, and other businesses primarily engaged in the retail sale of pre-owned motor vehicles.
Protection and Coverage The bond protects consumers and the state by providing financial recourse if the dealer engages in fraudulent practices, fails to transfer titles properly, or violates other provisions of Georgia motor vehicle dealer laws. The obligee, His Excellency, Governor of Georgia, can make claims against the bond on behalf of damaged parties.
Bond Details This bond requires a coverage amount of $35,000 and has a 2-year term length. The bond is renewable, allowing dealers to maintain continuous coverage as required for license renewal. Dealers must keep this bond active throughout their licensing period to remain in compliance with state requirements.
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At a glance
Georgia Auto Dealer Bond Key Facts
Governed by O.C.G.A. § 40-3-28.
The basics
What Is an Auto Dealer Bond in Georgia?
A bonded title in Georgia is a regular certificate of title the Georgia Department of Revenue (DOR) issues on the strength of a surety bond. You use it when you do not have the proof of ownership the DOR normally requires — for example, you bought a vehicle but never received a properly assigned title. Georgia calls this a Motor Vehicle Certificate of Title Bond (DOR form MV-46).
Good to know - No minimum vehicle value — a surety bond is required whenever you lack the normal proof of ownership for a vehicle that needs a Georgia title. The bond amount itself has a $5,000 minimum.
The bond is made out to the State Revenue Commissioner and protects any prior owner, lienholder, or later buyer if someone else turns out to have a claim on the vehicle. You file the bond together with your title paperwork — it does not replace the application.
Georgia sets the bond at two times the vehicle’s average retail value (using the DOR’s own assessment values), and never less than $5,000. The bond stays in force for four years, and you must apply for the title within six months of the date the bond was issued.
Qualification
What You Need to Qualify for a Georgia Auto Dealer Bond
Approval depends on your dealer license type, required coverage amount, and underwriting factors such as credit.
- You do not have the proof of ownership the DOR normally requires to title the vehicle in your name.
- The owner is a legal resident of Georgia.
- The vehicle is one that requires a Georgia title.
- The vehicle is a 1986 or newer model year (1985 and older model-year vehicles do not qualify).
- The vehicle is not an abandoned vehicle.
- The bond is backed by an insurance company licensed to issue surety insurance in Georgia, with the vehicle owner’s legal name as the principal.
Step by step
How to Get an Auto Dealer Bond in Georgia: Step by Step
Confirm you need a bonded title
Georgia requires a Motor Vehicle Certificate of Title Bond when you cannot give the DOR the normally required proof of ownership. Make sure the vehicle needs a Georgia title, that you are a Georgia resident, that the vehicle is a 1986 or newer model, and that it is not an abandoned vehicle.
Determine your bond amount
Your bond must equal two times the vehicle's average retail value, using the values established by the Georgia DOR, and can never be less than $5,000. Your insurance company can verify the bond amount by calling the Motor Vehicle Division, and certain bond amounts can be obtained from your County Tag Office. Enter your bond amount in the calculator above to estimate your premium.
Affidavit Supporting Certificate of Title Bond Application (MV-46A)Buy and complete your MV-46 title bond
Purchase the bond from an insurance company licensed to issue surety insurance in Georgia and complete the Motor Vehicle Certificate of Title Bond (form MV-46) in the vehicle owner’s legal name. The owner and the insurance company agent both sign, all signatures are witnessed, and a power of attorney authorizing the agent must be attached. Once issued, the bond stays in force for four years.
Motor Vehicle Certificate of Title Bond (MV-46)Get the vehicle inspected
Have the vehicle inspected and complete the Certification of Inspection (form T-22B). If the T-22B shows the serial (VIN) plate is missing, you must also complete a Missing Serial Plate Affidavit (form T-128).
Certification of Inspection (T-22B)Gather your title history and supporting documents
Get a report from the National Motor Vehicle Title Information System (NMVTIS) or an equivalent system authorized by the DOR. If the title of record is from another state, include a certified title history from that state. If the history shows a lien or security interest, include a release (Form T-4).
Notice of Satisfaction of Security Interest or Lien Holder’s Affidavit (T-4)File everything at your County Tag Office within six months
Submit the completed MV-1 Title/Tag Application, the signed MV-46 bond, the notarized MV-46A affidavit, the T-22B inspection, your NMVTIS report and ownership papers, and pay the $18 title fee at your County Tag Office. You must apply for the title within six months of the bond’s issue date.
Title/Tag Application (MV-1)Paperwork
Georgia Dealer Bond Forms & Documents
The surety bond filed with your application; signed, witnessed, with the agent’s power of attorney attached.
View formNotarized affidavit in the same name as the MV-46; supports the bond amount.
View formOnly if the T-22B indicates the serial (VIN) plate is missing.
View formOnly if the title history shows a lien or security interest that must be released.
View formYou'll also need
Cost
How Georgia Auto Dealer Bond Pricing Works
You do not pay the full bond amount. In Georgia the bond amount is two times the vehicle’s average retail value (with a $5,000 minimum). You pay a premium, which is a smaller percentage of that bond amount.
Your final premium depends on the bond amount and underwriting. Use the calculator above for an estimate; your final price may vary. The $18 title fee is a state fee, separate from the surety bond premium.
Worked example
If your vehicle’s average retail value is $8,000, the bond amount is $16,000 (two times the value). You do not pay $16,000 — you pay only the premium, a small percentage of the bond amount. If two times the value came to less than $5,000, the bond would be written at the $5,000 minimum instead.
Filing
Filing Information
Georgia Department of Revenue, Motor Vehicle Division (bond payable to the State Revenue Commissioner)
We prepare the issued bond and send you a copy for your records. Filing requirements vary by state, license type, carrier, and bond form.
855-406-5221FAQ
Georgia Auto Dealer Bond FAQ
Yes. The Georgia Department of Revenue issues a certificate of title backed by a Motor Vehicle Certificate of Title Bond (form MV-46) when you do not have the proof of ownership normally required (O.C.G.A. § 40-3-28).
The bond amount is two times the vehicle’s average retail value, using the values established by the Georgia DOR, and never less than $5,000. You pay a premium — a percentage of that bond amount — not the full bond. Use the calculator above to estimate it.
By the average retail value the Georgia Department of Revenue establishes for the vehicle. The bond is written for two times that value, regardless of the vehicle’s condition, with a $5,000 minimum. Your insurer can verify the bond amount with the Motor Vehicle Division.
Four years. Under O.C.G.A. § 40-3-28 the bond expires at the end of four years unless the Department has been notified of a breach of a condition of the bond.
Six months. The title must be applied for within six months of the bond’s issue date, so do not buy the bond until you are ready to file.
A 1985 or older model-year vehicle and an abandoned vehicle do not qualify. The owner must also be a legal resident of Georgia, and the vehicle must be one that requires a Georgia title.
At your local County Tag Office. Submit the MV-1, the signed MV-46 bond, the notarized MV-46A, the T-22B inspection, your NMVTIS report and ownership papers, and pay the $18 title fee. Call the Motor Vehicle Division at 855-406-5221 with questions.
Sources
Last verified 2026-06-23. Requirements change - confirm current details with Georgia Department of Revenue, Motor Vehicle Division (bond payable to the State Revenue Commissioner) before you file. This page is informational and not legal advice.
FAQ
Georgia Auto Dealer Bond Questions
The cost of a Georgia auto dealer bond is usually a small percentage of the state-required bond amount. Your exact premium depends on the bond amount, license type, business details, and underwriting factors such as credit.
Many auto dealer bonds can be issued the same day after you complete the application. Larger bond amounts or applications that need underwriting review may take longer.
Requirements vary by license type, but most Georgia auto dealers need to complete a short application and purchase the bond amount required by the state before their license can be issued or renewed.
Often, yes. Many states have separate bond requirements for wholesale, retail, broker, or other dealer license types. Choose the bond that matches your Georgia license instructions.
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AutoDealersBond.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.
