Changing the name on a car title is a common administrative task that many vehicle owners encounter. Whether due to marriage, divorce, legal name change, or transferring ownership, updating the name on the vehicle title is essential for legal and practical reasons.
However, the cost to change the name on a car title varies depending on the state, the reason for the change, and additional fees that may apply.
This guide explores the typical costs involved, the process, and important considerations when changing the name on a car title. Understanding these factors can save time, avoid penalties, and ensure your vehicle records are accurate.
What Is a Car Title?
A car title is a legal document that establishes ownership of a vehicle. It contains important information such as the owner’s name, vehicle identification number (VIN), make and model, and lienholder information if applicable.
When you change your name legally, it is important to update the car title to reflect your new name.
Failing to update the title can cause issues in selling the vehicle, transferring ownership, or proving legal ownership. It may also complicate insurance claims or registration renewals.
Reasons to Change Name on Car Title
- Marriage or Divorce: Many change their last name after marriage or revert to a former name after divorce.
- Legal Name Change: Some individuals change their name due to personal reasons or court orders.
- Transfer of Ownership: When gifting or selling a car, the title must be updated to the new owner’s name.
- Correction of Errors: If there is a misspelling or mistake on the title, it must be corrected.
Typical Costs to Change Name on Car Title
The cost to update the name on a car title generally includes a title transfer fee. This fee is set by each state’s Department of Motor Vehicles (DMV) or equivalent agency and can range widely.
Other possible costs include application fees, taxes, or penalties if the update is delayed.
| State | Fee to Change Name on Title | Additional Notes |
|---|---|---|
| California | $15 – $20 | Fee varies depending on county; may require smog certification if transferring ownership |
| Texas | $33 | Includes title application fee; sales tax may apply if ownership changes |
| Florida | $75.25 | Title transfer fee plus administrative fees; expedited services cost more |
| New York | $50 | Additional $10 fee for title lien search if necessary |
| Illinois | $95 | Includes title fee and transfer taxes when applicable |
| Washington | $15 | Simple name change fee; other fees apply if transferring ownership |
Note: These fees are approximate and subject to change; always verify with your local DMV.
Additional Costs to Consider
In addition to the title fee, you may encounter other expenses such as:
- Sales or Use Tax: If the name change involves a transfer of ownership (such as selling or gifting), you may owe sales tax.
- Registration Fees: Some states require updating your vehicle registration after a name change.
- Notary Fees: Certain documents may require notarization, which can cost $5–$20 per document.
- Duplicate Title Fees: If you need a new physical title because of the name change, there might be an additional fee for issuing a duplicate.
How to Change Name on Car Title: Step-by-Step
The process for changing your name on a car title generally involves submitting the proper application and supporting documents to your DMV or equivalent agency. The steps below outline the typical procedure:
- Gather Required Documents: This usually includes your current car title, proof of identity, proof of legal name change (marriage certificate, court order, divorce decree), and any lienholder information.
- Complete the Application: Fill out the title transfer or title correction form provided by your state DMV.
- Pay Fees: Submit the applicable fees for title transfer or name change.
- Submit Your Application: This can often be done in person at the DMV, by mail, or online, depending on your state.
- Receive Updated Title: After processing, you will receive a new title document with the updated name.
Important Document Examples
| Document | Purpose | Notes |
|---|---|---|
| Current Title | Proof of ownership | Must be the original title document |
| Legal Name Change Proof | Verify new legal name | Marriage certificate, court order, or divorce decree |
| Government-Issued ID | Identity verification | Driver’s license or passport |
| Title Application Form | Request the name change | Available from state DMV website or office |
Common Questions About Changing Name on Car Title
Q: Can I change the name on my car title online?
A: Some states offer online services for name changes on car titles, but many require in-person or mail submissions due to the need for original documents and notarization.
Q: Does changing my name on the car title affect my insurance?
A: Yes, you should notify your insurance provider of any name change to keep your policy accurate. This does not typically change your premium but ensures proper documentation.
Q: How long does it take to get a new title after a name change?
A: Processing times vary by state and method of submission. It can range from a few days to several weeks.
Some states offer expedited services for an additional fee.
Tips for a Smooth Name Change on Your Car Title
- Check State-Specific Requirements: Visit your state’s DMV website to understand exact procedures and fees.
- Keep Copies of All Documents: Always keep copies of submitted documents for your records.
- Complete Name Change on Other Documents: Remember to update your driver’s license, registration, and insurance to avoid discrepancies.
- Plan for Fees: Budget for all costs including title fees, taxes, and any additional administrative charges.
- Use Certified Mail if Mailing: Protect your documents by sending them via certified or tracked mail if you mail your application.
Summary of Costs and Process
| Step | Details | Expected Cost Range |
|---|---|---|
| Gather Documents | Proof of identity, legal name change, current title | Typically free, except notarization ($5-$20) |
| Submit Application | Complete and submit title change form | Varies by state, usually $10-$100 |
| Pay Fees and Taxes | Title fees, transfer taxes if ownership changes | $0 – $200+, depending on state and situation |
| Receive New Title | Wait for processing and delivery | Included in fees, expedited service extra |
Final Thoughts
Changing the name on your car title is a necessary step after any legal name change or ownership transfer. Although the cost varies by location and circumstance, it is generally affordable and straightforward.
Being proactive and informed about your state’s requirements helps ensure a hassle-free process.
Remember: Keeping your vehicle’s title information accurate protects your ownership rights and avoids complications during future transactions. Always consult your local DMV for the most current information and guidance.
