What is a Boat Title and How to Get One?

A boat title is a legal document that certifies the ownership of a boat. It’s mainly required to legally resell the boat and to purchase boat insurance. In fact, boating without a proper title can lead to fines, license suspension, or even having your boat confiscated.

This guide explains everything you need to know about boat titles, including state requirements, costs, how to register, how to transfer a title, what to do if you run into problems, and whether you need one for insurance.

Is a Boat Title Required?

Yes, a boat title is required in most states in the U.S., particularly for all motorized boats and non-motorized boats over the length of 14 to 16 feet. If you own a boat, it is legally mandatory for you to get a boat title to prove its ownership. 

If you don’t have a boat title in a state where it is mandatory, there’s a substantial chance that you may face legal penalties such as a fine, license suspension, and even impoundment.  

A boat title is also essential for financial protection. Most insurance companies won’t issue a policy without it, and selling your boat in the future will be nearly impossible without a transferable title.  

Additionally, if you want to sell your boat in the future, you will have to transfer the boat’s ownership. If you don’t have a boat title, you may experience difficulties selling your boat. So, to keep your resale options open, stay legally compliant, and remain financially protected with boat insurance, it is necessary to ensure you have a boat title.    

How Much Does It Cost to Get a Boat Title?

The cost of getting a boat title can significantly vary depending on the state you’re located in. The average cost of getting a boat title in the U.S. ranges from $5 to $25. Moreover, based on your boat’s length, the cost of registering your boat can range from $25 to $200 or more.  

These costs are set by state agencies and may also include small processing or administrative charges. The table below shows the boat title fees in seven major U.S. states.

If you need boat insurance, but you’re experiencing difficulties getting one, it’s ideal to find a reliable insurance agency that provides the right advice with the best coverage at an affordable rate. Here at L.A. Insurance, we offer cheap boat and watercraft insurance policies to ensure that you get adequate protection within your budget.

How to Register a Boat Title?

The official procedure of registering a boat title might feel complicated, especially if you’re unaware of how it’s done. This guide will walk you through a step-by-step process to ensure that you know the requirements and process of registering a boat title. 

Check State Requirements for Boat Title

The requirements for getting a boat title vary from one state to another. Typically, the requirements of boat titles differ across states depending on key factors such as your vessel type, boat’s size, engine capacity, and where it was made.  

Some states also have special conditions for imported or homemade boats. To know specific boat title requirements in your state, you should contact or visit the local DMV office.  

While some states require boat titling and registration, other states only require you to register your boat. The table below shows states that require a boat title, and states that only require registration.

Gather Necessary Documents

As boat titles are proof of ownership, you will need to submit the necessary documents and information to allow the DMV to verify whether you’re the legitimate owner of the boat and if you’re eligible to get a boat title. Here are the documents and information that you will need to get a boat title. 

• Bill of Sale: The bill of sale shows that you have purchased the boat at a certain price from a retailer or individual seller. This acts as proof of ownership and is required for getting a boat title.    
• Manufacturer’s Statement of Origin (MCO): If you have directly purchased the boat from the manufacturer’s authorized store, you will get a Manufacturer’s Statement of Origin. This document proves that the boat is new, and you’re the first person to purchase and own the boat.    
• Hull Identification Number (HIN): The hull identification number, commonly referred to as HIN, is a unique 12-digit code assigned to every boat manufactured or imported in the U.S. You need to specify the HIN while applying for a boat title.     
• Boat Title and Registration Form: Collect the boat title form from your local DMV. You will need to fill it up and submit it with the required documents.

Note: Some states may also ask for proof of tax payment, a valid ID, or a notarized statement, depending on your vessel’s type and origin.

Complete the Application Form and Submit Payment

Completing the application form and paying the title fee is the final step in obtaining your boat title. Review the form carefully and fill out all required fields accurately, including your personal details (name, address, and date of birth) as well as your boat’s information, such as the Hull Identification Number (HIN), make, model, and year. 

Once you’ve attached all required documents, submit the form to your state’s DMV or boating agency either online, by mail, or in person, depending on your state’s process. Make sure to pay the applicable title fee on time and keep a copy of your receipt or confirmation for your records. 

Wait for Confirmation and Activation of Your Boat Title

Now that you’re done with the formal process, the rest is up to the DMV officials unless they require any documents, information, or verification. Usually, you get a boat title almost immediately after submitting the form and payment.  

However, in some cases, there may be delays which may require days, weeks, and even months, especially if there are complexities such as duplicate titles or ownership issues. These complications can even lead to the rejection of your application; in that case, you will have to apply again.  

It’s crucial to ensure that you have provided all the necessary information and documents; that’s why it’s essential to follow every step recommended in this guide.  

How to Transfer a Boat Title?

You will need to transfer a boat title when you give your boat to someone else as a gift, privately sell your boat to another person, or purchase a boat from another person. 

Simply put, transferring a boat title means transferring the boat’s ownership from one individual to another. The process of transferring boat ownership varies across states, just like registering a boat title. 

In general, you can apply for a boat title transfer from your local DMV or the Secretary of State’s office. Usually, the DMV is the most common office across the U.S. for title transfers.  

In contrast, here are the steps to transfer a boat title. 

• Obtain a boat title transfer form from the DMV or the Secretary of State’s Office 
• Provide the Bill of Sale, HIN, and any other required document/information  
• Fill out the form, and provide your signature 
• Pay the boat title transfer fees, and state sales tax (if applicable)

Note: If you’re buying the boat, check for any existing mortgages or outstanding loans. It must be addressed before the ownership is transferred.

What to do If You Can’t Transfer the Boat Title to Your Name?

If you’re unable to transfer a boat title to your name due to a missing or improperly signed title, a lien on the boat, or issues with the seller, you will need to visit your local DMV and submit an application along with a detailed bill of sale and a valid ID. 

If you have any documents related to the seller’s boat title or registration, include those as well to help verify your ownership claim. 

The DMV will review your application and investigate the ownership details. Once all information is confirmed to be accurate, the title will be transferred to your name. Following this process ensures that your ownership of the boat is legally recognized.   

Is a Boat Title Needed for Getting Insurance?

Yes, a boat title is generally needed for getting insurance, it serves as the most reliable proof of ownership. Typically, insurance companies review boat titles more strictly in states where it is mandatory.  

If you don’t have a boat title yet, or if it’s in the process of being issued, you can alternatively provide proof of ownership, such as a bill of sale or manufacturer’s statement of origin.  

While a boat title is required to get insurance, what about boat insurance? Do you have to have insurance on a boat? Well, legally, it is mandatory in 3 states, including Arkansas, Hawaii, and Utah. However, apart from the legal aspect, it is crucial to have boat insurance to financially protect your boat and yourself from accidents and unprecedented events.    

Final Remarks: Why Should You Get a Boat Title?

A boat title is the most reliable document to prove your boat’s ownership. From legal aspects, all boat owners are required to have one in most of the states in the U.S. Based on financial stance, it is necessary if you intend to sell the boat in the future, particularly for transferring ownership. It is also necessary as a key requirement for acquiring boat insurance.  

Without a boat title, you may face legal complications, and it also adds barriers to major financial decisions related to your vessel. If you’re having difficulty securing insurance due to title issues, find an insurance agent nearby or fill out the contact form to get a free quote to ensure your boat is properly covered.   

Frequently Asked Questions (FAQ)

Do all boats need a title?

Not all boats require a title. Titling requirements vary by state and often depend on the boat’s type, length, and propulsion. Many motorized boats and larger non-motorized boats need a title. 

What is the cost of titling a boat?

The cost of a boat title varies by state, usually ranging from $5 to $25 for standard vessels. Larger boats or certain states may charge up to $200 or more. 

How do I get a boat title?

To get a boat title, check your state’s requirements, gather the necessary documents (bill of sale, Manufacturer’s Statement of Origin, HIN, etc.), complete the application form, and pay the required fee at your local DMV or Secretary of State’s office. 

Can I transfer a boat title to another person?

Yes, you can transfer a boat title to a new owner when selling your boat. Both the seller and buyer must complete the required forms, and any liens must be cleared before the transfer can occur. 

Why is it important to have a boat title?

A boat title is crucial for legal compliance, transferring ownership, and obtaining insurance. Without a title, you may face fines, difficulties selling your boat, or problems securing financial protection.