How to transfer a vehicle title after death

Why this matters

Vehicles cannot be legally driven, sold, or insured under the new owner's name until the title is transferred. Most states have a simplified process for transfer at death.

Step by step

1. Find the title. Check the home filing cabinet, glove box, and any safe.
2. Determine the title status: jointly held (with right of survivorship), TOD beneficiary listed, or sole owner.
3. Check your state's small estate vehicle transfer process. Most states allow vehicle transfer outside of probate up to a certain value (often $50,000 or higher) using an affidavit.
4. Visit the DMV with: the title, a certified death certificate, your government ID, the small estate affidavit (if applicable) or Letters Testamentary (if going through probate), and proof of insurance.
5. Complete the title transfer application. Pay the title and registration fees.
6. Get the new title issued in your name (or in the buyer's name if you are selling).
7. Notify the insurance company. The deceased's policy ends, and you need to be added as the named insured.

Forms you will need

• State title transfer application
• Small estate affidavit for vehicles (or Letters Testamentary)
• Certified death certificate

State by state notes

Each state has its own form for vehicle title transfer at death. Many states have a specific affidavit for transferring vehicles outside of probate.

Common mistakes to avoid

• Driving the vehicle on the deceased's insurance after death. Coverage typically lapses at the policyholder's death.
• Selling the vehicle before transferring title.
• Forgetting to update registration. Driving on expired registration creates a separate set of problems.

What to do if you get stuck

If the DMV refuses to transfer due to documentation issues, ask for the supervisor or the legal department. They often have authority to accept alternative documents.