A Complete Guide to Transferring Car Title in Florida: Step-by-Step Instructions
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If you’ve just purchased a vehicle in Florida, it’s time to transfer the car title. The steps to completing a title transfer in Florida will vary based on the type of transaction, vehicle condition, and where you bought the vehicle.
Our guide to transferring a car title in Florida covers the basic steps of the process, such as what documents to prepare, when to complete your title transfer, and how much you’ll pay.
Overview of Transferring Car Title in Florida
A certificate of title is used to indicate ownership of a motor vehicle. Therefore, titles need to be transferred if you buy or sell a vehicle, give or receive a vehicle as a gift, or when you inherit a vehicle.
When transferring the title of a car in Florida, you must complete specific steps to fill out the proper forms, submit accurate documentation, and pay fees. The process can vary for different types of transactions. Understanding the basic steps and requirements can help you get started.
Required Documentation for Title Transfer
Title transfers in Florida require two key documents:
- The existing title must be turned in to your county tax collector or license plate agent. The seller needs to complete the transfer of title section at the bottom of the title, which assigns the vehicle to a new owner.
- The title application gives all the necessary information about the vehicle’s new owner, current condition, and additional information, such as lienholders and heirs. Some counties may have separate applications depending on whether you’re also trying to register the vehicle.
If you’re trying to register the vehicle with the title transfer, you must also submit the vehicle’s last registration and proof of auto insurance in Florida.
Steps for Sellers: How To Complete the Title Transfer
Sellers are responsible for starting the documentation for a transfer of ownership. They must complete the proper paperwork and hand it over to the buyer. The buyer can then use the documents to provide proof of ownership when they apply for a new title.
Dealers are responsible for providing a Manufacturer’s Certificate of Origin (MCO) in dealership sales. If the dealer is in a state that does not require MCOs, Florida will accept an executed dealer bill of sale. The document must include a description of the vehicle, including the year, make, model, fuel type, and more.
Private sellers must provide the buyer with the vehicle’s original title with the transfer of title completed. This includes vehicle information, purchase price, odometer reading, and signatures. If the seller lives in a state that does not require a title, they must provide the registration and a bill of sale.
Steps for Buyers: Completing the Title Transfer Process
During the sale, sellers are mainly responsible for filling out paperwork and providing it to the buyer. However, the buyer must complete the process by signing the title or bill of sale.
Buyers can then take the paperwork to their county tax collector or license plate agent's office. They must also provide a completed application for a title certificate, which includes information about the buyer, vehicle, lienholders, sales tax, and more. Buyers must provide all documentation within 30 days of a vehicle purchase.
A title fee ranges from around $75 to $85. A $2.50 fee is also added for paper copies. If you miss the 30-day deadline, you will be charged a $10 late fee.
Handling Liens and Lost Titles
Florida uses an Electronic Lien and Titling (ELT) system that electronically stores titles with liens. You can not apply for a paper copy of your title or sell your vehicle until all liens have been satisfied. When you have paid your lien in full, the lienholder must provide a lien release to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
If you lose your title, you can apply for a duplicate title for a $6 fee. Your duplicate title will be mailed within five business days. Some counties may offer expedited duplicate titles for a fee of $11.
Importance of Updating Your Insurance Information
To register your vehicle while you apply for a new title, you must provide proof of valid car insurance in Florida. If you're caught driving without insurance in Florida, you could face penalties that include fines, license suspension, registration suspension, and reinstatement fees.
It’s crucial that you find a car insurance policy that meets Florida’s minimum car insurance requirements. Otherwise, you cannot register or drive your vehicle.
Get the Best Car Insurance Coverage Today!
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