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- What is a title transfer?
- Car title transfer in Colorado
- Registering a car in Colorado
- Finding insurance for your vehicle
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If you’re transferring ownership of a vehicle in Colorado, you’ll need to complete a title transfer. You can do this at your local county DMV in-person or through the online portal. Fees differ between counties.
To sell or buy a vehicle, it’s a little more complicated than simply passing off the keys. You need to make everything official by transferring the title. This usually includes filling out some basic paperwork, a visit to the DMV (or online portal), and paying a small fee.
It’s important to complete every step carefully as you need to be compliant with your state’s laws. Here, the car insurance comparison and broker app Jerry is sharing everything you need to know about title transfer in Colorado.
What is a title transfer?
A car title is what dictates ownership of the vehicle. So when you transfer the title of a car, you’re transferring its ownership.
Transferring a title consists of two steps—one for the seller and one for the buyer:
- The seller must release ownership of the car by signing the title
- The buyer must take the signed title to the DMV, where the state will issue a new title and registration
Some states have a state-wide process, but in Colorado, each county manages its own sales. Depending on your county, you may be required to submit additional paperwork to complete the title transfer process. This might be a bill of sale or transfer of ownership form.
You will also need to provide basic vehicle information such as the current odometer reading and sale price.
Who does the title transfer?
Here’s where it can get tricky. The responsibility for the title transfer depends on whether you’re buying (or selling) a vehicle privately or from a dealership.
In a private purchase, the buyer and seller must decide who will complete the title transfer process. On the other hand, when you buy a car from a dealer they will handle all the paperwork and send the title to the proper county DMV by mail.
Reasons for a title transfer
The most common reasons include a change of residency or buying or selling a car.
Here are some other reasons for a title change:
- Donating a vehicle
- Gifting a vehicle
- Inheriting a vehicle
- Paying off a vehicle loan
Car title transfer in Colorado
In Colorado, you have 30 days after the change of ownership to do the title transfer. Otherwise, you’ll be charged a penalty fee. But don’t worry, you can complete the title transfer process online or in-person at a local county DMV branch.
Here’s what you will need:
- Proof insurance (if you plan to register the vehicle at the same time)
- Secure and verifiable identification
- Current title or ownership documents properly endorsed by previous owner
- Completed odometer disclosure
- Bill of sale for sales tax calculation
- Get any lien documents from the seller, like:
- Acceptable mortgage document (security agreement) that is an original, carbon copy or a certified copy
- Document must include vehicle description (year, make, VIN), lienholder’s information (name, address, lien amount), and owner’s signature
- Payment for the transfer titles fees
If your vehicle was previously titled out of state, then you will need additional documents:
- Verification of Vehicle Identification Number form. This form can be completed by either:
- Colorado law enforcement officer
- Licensed Colorado motor vehicle dealer
- Licensed Colorado emissions testing station
- Manufacturer’s Statement of Origin
- Valid registration or title which states the vehicle’s weight (if it is not shown, you will need a certified weight slip)
You may also need to provide personal information like your DL number.
From there, find your local county DMV using this map if you want to visit a branch in-person. If you prefer to complete the process it online, go to the MyDMV Colorado site and select Report Release of Liability under Vehicle Services.
Note that title transfer fees differ between counties in Colorado. Once you’ve submitted all required documentation, you can expect to receive the new title within four to six weeks.
Key Takeaway The MyDMV Colorado portal will walk you through the title transfer process from start to finish—and there’s no lineup!
Registering a car in Colorado
You’re almost done! After a title transfer, you still need to register the vehicle. Whereas title transfer is about ownership, registration is proof that you can legally drive on the streets.
Registration is done annually in Colorado. Before you can register, you must be able to show a Colorado title and proof of auto insurance that meets the state minimum coverage requirements.
After becoming a Colorado resident, you have 90 days to register your vehicle. If it is owned by more than one person, you must declare intent to have the Certificate of Title issued in Joint Tenancy with Rights of Survivorship.
Like with title transfer fees, counties assess their own registration fees. Fees are partially based on the vehicle’s age and weight.
When registering a vehicle, you will be required to pay some additional fees in Colorado.
|Specific Ownership Taxes (SOT)||2.1% of taxable value in first year to 0.45% after the fifth year or older||This does not change throughout the life of the vehicle|
|Clerk hire fee||$4||This fee is distributed to the County Clerk and Recorder|
|County road and bridge||$1.50 to $2.50||Fee depends on weight of vehicle and goes to the County Road and Bridge Fund|
|Funding Advancement for Surface Transportation Economic Recovery (FASTER)||Depends||Goes to the Bridge Special Fund and HUTF|
|Emissions-Area Air Account||$1.50||Helps fund emissions program enforcement|
|Emissions Program County Area||$0.70||All vehicles must pay this fee|
|Emissions-Statewide Air Account||$0.50||Helps the state AIR account|
|Emergency medical services||$2.00||Excepted are trailers and low-power scooters|
|Insurance fee||$0.50||Charged to vehicles that are not exempt from Motorist Insurance Identification Database fee|
|Motorist Insurance Information Database||$.10||Goes to the DRIVES Vehicle Services Account|
|Peace Officer Standardized Training (POST) fee||$1.00|
|Material fees||$4.06||For year tab, month tab, and license plates|
Other fees may apply based on the type of vehicle, fuel type, license plate type, county of residence, or driving record.
Finding insurance for your vehicle
Before you can drive off into the sunset, you’ll need car insurance. Jerry is the super app that helps you save time and money on your car expenses, including insurance. It specializes in unlocking discounts!
Use Jerry on the way to the dealership to browse quotes from dozens of insurance companies. Enter your preferred coverage and find deals. Once you select a policy, it’s as easy as tapping “Yes” in the app. Jerry will take care of all the paperwork, phone calls, and will even monitor your rate to ensure you’re always renewing at the best price.
The average Jerry user saves $879 per year on their insurance!
“You must get this app! It’s my first time getting my own insurance, so I called a few companies myself. Their rates priced me around $600/month. I used Jerry and my rates went down to $250/month. I’m so happy!” —Melissa C.
What if my car has a loan?
A title transfer is a little more complicated if the vehicle is still financed. You’ll need to call your lender and ask how to sell a car that has a loan and how the transaction should be handled. They may need to handle the title transfer on your behalf.
Where do I sign to transfer the title?
Look for a line on the title that says “seller’s signature.” If more than one person is on the title, both people will need to sign on the same line. Buyers sign on a separate line.