Transferring a car title in Kentucky involves a straightforward process handled by the County Clerk's office. You'll need the signed title, a completed TC 96-182 form, proof of insurance, and payment for the sales tax and fees. The most critical step is ensuring the title is filled out correctly by both the seller and buyer to avoid delays. The transaction must be completed within 15 days to avoid penalties.
The seller must provide a clear title, meaning there are no liens or loans against the vehicle. If there is a lien, the lienholder must release it before the sale. The seller is responsible for accurately completing the "assignment of title" section on the back of the title, including the sale price, odometer reading, and date of sale. Signing the title exactly as your name appears on the front is crucial.
As the buyer, you'll take the signed title, a completed Application for Certificate of Title/Registration (TC 96-182), and proof of Kentucky insurance to your local County Clerk's office. You will pay the state sales tax (6% of the purchase price) and various titling fees. If the vehicle is less than 10 years old, an odometer statement is required. You'll receive a license plate and a temporary registration while your permanent title is processed.
Common fees for a standard passenger vehicle are outlined below. Note that these can vary slightly by county.
| Fee Type | Typical Cost | Notes |
|---|
| Title Fee | $9.00 | Standard fee for issuing a new title. |
| Registration Fee | $21.00 | Base fee for passenger vehicle plates. |
| Usage Tax | 6% | Based on the purchase price or NADA value, whichever is higher. |
| Electronic Processing Fee | $1.00 | Fee for processing the transaction. |
| County Clerk Service Fee | ~$6.00 | Varies by county office. |
| Lien Notation Fee (if applicable) | $5.00 | Fee to record a lien on the new title. |
| Transfer Fee (if plate is transferred) | $9.00 | Fee to transfer a license plate from another vehicle. |
