You get a new car title from your state's Department of Motor Vehicles (DMV) or a similar agency like the Secretary of State. This process is initiated after you've finalized the purchase or lease of a vehicle. The specific steps vary depending on whether you're buying from a dealership or a private seller.
When you buy from a dealership, the process is typically handled for you. The dealer will submit the necessary paperwork to the DMV on your behalf. You'll then receive the official certificate of title—the document that proves legal ownership—by mail from the state agency within a few weeks.
A private party sale requires more direct involvement from you, the buyer. The seller must provide you with a signed title. You then take that title, along with a completed application for a new title, proof of insurance, and payment for applicable taxes and fees, to your local DMV office to transfer ownership into your name.
The following table outlines key data points related to the titling process across different scenarios:
| Scenario | Responsible Party | Typical Timeline | Key Documents Needed | Average Cost (Varies by State) |
|---|
| New Car from Dealer | Dealership handles DMV submission | 2-6 weeks by mail | Manufacturer's Certificate of Origin (MCO), Bill of Sale | $50 - $200 (includes registration) |
| Used Car from Dealer | Dealership handles DMV submission | 2-4 weeks by mail | Signed Title from Previous Owner, Bill of Sale | $50 - $200 (includes registration) |
| Private Party Sale | Buyer must visit DMV | Title issued at DMV or within 2 weeks | Title signed by seller, Odometer Disclosure Statement, Bill of Sale | $15 - $150 (title fee + sales tax) |
| Paying Off an Auto Loan | Lienholder releases interest | 2-8 weeks after final payment | Lien Release Document from lender, Application for Title | $5 - $50 (for a clean title) |
| Inheriting a Vehicle | Executor or Heir | Varies by probate process | Death Certificate, Court Order, Title signed by heir | Standard title fee, often tax-exempt |
If there's an outstanding loan on the car, the lender (the lienholder) will hold the title until the loan is paid in full. Once you make the final payment, the lender will send you a lien release, and you can then apply for a clean title from the DMV. Always keep your title in a safe place, as it is a crucial document for selling the vehicle or proving ownership.
