To transfer a vehicle title in Indiana, you need the signed original title, a completed Title Application (Form 205), odometer disclosure, proof of identity, payment for fees, and a VIN inspection if required. The process is completed at a local BMV branch, with typical fees under $50, plus sales tax. The most common delay is an improperly completed title from the seller.
Required Documents and Information
Gather these items before visiting a BMV branch:
- Original Vehicle Title: Signed by the seller(s) exactly as their name(s) appear on the front. All sellers must sign. If there’s a lien, the lien release must be recorded.
- Application for Certificate of Title (State Form 205): Buyer information must be filled out completely.
- Odometer Disclosure: If not printed and completed on the title itself, you must submit a separate Odometer Disclosure Statement (Form 43230).
- Proof of Identity: Buyer(s) must present a valid government-issued photo ID (e.g., driver’s license, passport).
- Proof of Insurance: Indiana requires proof of financial responsibility (auto insurance) for the vehicle.
- VIN Inspection: Required if the vehicle is from out-of-state, has no Indiana title record, or in specific other cases. It can often be done at the BMV branch.
Step-by-Step Transfer Process
- Complete the Title: Ensure the seller correctly fills out the assignment section on the back of the title, including sale date, price, and odometer reading. Any error here voids the title.
- Prepare Your Forms: Fill out Form 205 as the buyer. Complete Form 43230 if needed for the odometer.
- Visit a BMV Branch: Go to any Indiana BMV branch. You cannot process a full title transfer by mail. Bring all documents, ID, and payment methods.
- Pay Fees and Taxes: Pay the required title fee, excise tax (sales tax), and any other applicable charges. The excise tax is calculated based on the purchase price or the vehicle’s assessed value.
- Receive Your Documents: You will receive a temporary paper title immediately. The permanent laminated title is mailed to your address on file within approximately 10-14 business days.
Key Costs and Timelines
Fees are set by statute. The primary costs include a title fee and excise tax. Registration/plate fees are separate. A standard passenger vehicle title transfer typically costs less than $50 in base fees, not including sales tax.
| Fee Type | Standard Passenger Vehicle | Notes |
|---|
| Title Fee | $15.00 | State-mandated fee for issuing the title. |
| Excise Tax | 7% of purchase price or assessed value | Indiana's sales tax on vehicle purchases. |
| Registration | Varies by vehicle age/weight | Starts at $21.35 for a standard passenger plate. |
| Processing Time | 10-14 business days for mailed title | Temporary proof of ownership is issued at the branch. |
Common Scenarios & Pitfalls
- No Title from Seller: If the seller lost the title, they must obtain a duplicate from the BMV before the sale. Do not proceed without a clear title.
- Lienholder on Title: The lien (loan) must be satisfied, and the lien release must be noted on the title or presented as a separate notarized document.
- Gifted or Inherited Vehicles: Different forms are required, such as an Affidavit for Transfer of Vehicle to Surviving Spouse or Family Member.
- Out-of-State Vehicles: A VIN inspection is mandatory. Ensure the out-of-state title is properly assigned.
The process is straightforward if documents are correct. Double-check the seller’s entries on the title before leaving the transaction. For the latest forms, always refer to the official Indiana BMV website.
