To request a duplicate car title, you typically need to submit an application to your state's Department of Motor Vehicles (DMV), provide proof of identity, pay a fee, and often provide specific documentation like a lien release if applicable. The exact process, required forms, and fees vary significantly by state. The quickest method is usually to apply online through your state's official DMV website if available, as it avoids mail delays.
The most critical step is determining the correct form. This is usually called a "Duplicate Title Application" or something similar. You can download this from your state's DMV website. You'll need to provide the vehicle's VIN (Vehicle Identification Number), license plate number, year, make, and model. You must also prove you are the legal owner, so have your driver's license or other state-issued ID ready.
If there is an outstanding loan on the car, the lienholder (the bank) holds the title. You must contact them to request a duplicate; you cannot get it directly from the DMV until the loan is paid off and the lien is released.
Here is a comparison of the process in three different states to illustrate the variations:
| State | Primary Form | Fee (Approx.) | Processing Time | In-Person Required? | Special Notes |
|---|
| California | Form REG 227 | $23 | 2-3 weeks | No, but faster | Notarization required if mailing. |
| Texas | Form VTR-34 | $5.45 | 2-3 weeks | No | Online application is fastest option. |
| New York | Form MV-902 | $20 | Up to 90 days | Often yes | Must be submitted to the county clerk, not DMV. |
| Florida | HSMV 82101 | $7.75 | 5-10 business days | No | Online, mail, or in-person options available. |
| Illinois | Form VSD 73 | $95 | 4-6 weeks | No | Higher fee includes a corrected title if needed. |
After submitting your application and payment, processing times can range from a few weeks to over a month. Keep your receipt as proof of application. If your title is lost or stolen, it's wise to act promptly to prevent potential fraud.
