A car title is a legal proof of a vehicle’s ownership, and if there are two names on the title, you could, for various reasons, remove one. Be it due to divorce, inheritance, gifting, or selling the vehicle, if there are two names on a car title and you want to remove one, there is a specific process in mind, so here’s our TL;DR of what you’d have to do:
- The co-owner must agree to their name being removed and sign as the seller.
- You should verify your state’s DMV process for the required forms and fees.
- If a loan exists on the vehicle, the lienholder must also approve the title change.
- Finally, submit the completed paperwork to the DMV and update your insurance.
Remember that it’s important to update the title correctly! It’s essential to ensure that you have legal ownership of a vehicle, and to help you avoid legal complications. Bear in mind, too, that each state has slightly different requirements, so make sure to consult your DMV for more specific processes. In general, however, the overall process is quite similar.
It all starts with the person foregoing their ownership of the car, who needs to sign as the SELLER, as the individual assuming sole ownership signs as the BUYER. These rules apply to all states, but the specific steps might vary slightly from one state to another. So, here’s what you need to know about removing one name from a car title with two names:
How To Remove A Name From A Car Title With Two Names?
Some of the reasons why you’d need to remove a name from a jointly owned car with two names in the title might include cases of divorce, death, gifting the car, or selling the vehicle. While the principle remains the same, as noted earlier, the specific process differs from state to state. As such, it’s crucial to refer to your state’s DMV for the procedure.
Each state’s Department of Motor Vehicles (DMV), or an equivalent organization, is the one responsible for managing, practicing record-keeping, handling, and issuing each car’s title. Therefore, give them a call or visit their offices, and ask them what the actual process is. That said, for a car title with two names on it, here’s generally how to remove one:
NOTE: Before proceeding, note that title transfer processes vary by state. You’ll find that some states require notarization, while others involve additional taxes or inspections. So, always check with your state’s DMV for specific rules.
Step 1: Get Consent From The Other Owner
Let’s say your car has two names on the title – one is your own, and the other belongs to the joint owner – here’s how to remove the latter’s name… Firstly, you’ll need to get consent, either in writing or via a consent form, from the other person, whose name you’re removing. It’s usually easier if you’re the one who’s pulling or removing your own name.
If the title has three or more names, and goes with “OR” in the name, you need only one person’s consent to remove a name (the person whose name is being removed). But, if the title only says “AND”, all parties must agree to any name removal, even if it’s just one. Consent for this is to protect the interests of the co-owner or owners.
Step 2: Find Out The Right Procedures
As mentioned earlier, while Step #1 is basically the same across every state, the actual procedures, documentation, and paperwork vary from state to state. So, if there are two names on a car title and you need to remove one, check online or at your local DMV office to see what your state’s requirements or legal process is for a name change.
For example, some states use the process of third-party car sales. Others, on the other hand, remove the name quite simply without much ado. Some other states may require an affidavit, just to remove a name from a car title with two or more names. So, make sure you’re aware of how it’s done in your state, and follow the process accordingly.
Step 3: Consult With The Car’s Lienholder
Note, this step only applies if you have a loan active on the car in question. Things will be slightly different if a lienholder is on the certificate title due to a loan or lease on the car at the moment. The lienholder must agree to any changes you make to the title. However, if there is no loan due to pay off, you will not need the permission of the lienholder.
Before any changes are made to the certificate title, including adding a name, removing a name, joint ownership, sale of a car, etc., the lienholder has to permit changes to the car title until the loan is paid in full. Remember, the vehicle is not yours to own entirely. So, before you proceed, contact your car’s lienholder and ask them about what to do.
Step 4: Get All The Necessary Documentation
To complete this process, you’ll likely need to gather documents like driver’s licenses from both parties, death certificates if needed, affidavits, insurance papers, and current car mileage. Again, what paperwork each state’s DMVs need will vary. But, making these documents readily available saves time, and you might also have to update the insurance.
Some other documents that you might be asked to provide might include… The original certificate of title (this is self-explanatory), registration form from the DMV, proof of an insurance plan, and some states might also ask for the bill of sale or proof of tax returns. In some states, your car might also need to go through an inspection beforehand.
Step 5: Complete The Transfer & Note The Paperwork
It’s vital to pay close attention, so you don’t get anything wrong. The wrong information or steps will disqualify your request. Some states will ask for a notarized signature. Note that the seller is the person going out of the record, and the buyer is the one remaining on the title deed. Both the buyer and seller need to sign for the change to be valid.
Cases of removing a name due to divorce are a special case. The change has to be per the divorce agreement. As such, the title must reflect who got full ownership. The loser will sign as the seller. And, the gainer is the buyer, making them the sole owner of the vehicle. Some states charge a tax for a title change, but in divorce cases, some remove the tax charge.
Meanwhile, removing a name from a title after death takes a different path. The co-owner can choose to keep using the car under the name it’s currently on or to prepare the necessary papers for a new car title. These documents would include the death certificate if the title was in the surviving member’s name and an affidavit to be acted upon by an executor.
Step 6: Head To Your Local DMV Office
The next thing you’ll need to do is to go to your state DMV office close to you with all the paperwork requirements. Some states even accept mail delivery. Alternatively, some states require vehicle license plates, which is why it is necessary to have prior knowledge of your state’s process. If you’re heading there in person, make an appointment to save on time.
Step 7: Update Your Car’s Insurance Info
This part is just as important as removing a name on a car title that has two names. The car title and insurance must have the same name. Therefore, if there are still two names (of the original joint owners) on the insurance papers, one needs to be removed. Once you get a new title, ensure to update your insurance information for reliable insurance services.
After submission and review, you will get a new title reflecting the name removal and maybe a new license plate using the new name. The insurance documentation from earlier should also reflect this change. It’s a good idea to double-check the new paperwork and ensure that everything is in good order. That said, removing a name from the title is simple.
Remove One Owner From A Car Title With Two Names – Common Mistakes
So far, it might seem like removing two names from a car title is quite a straightforward process. However, we’ve seen many owners encounter roadblocks and failed due process due to avoidable and common mistakes. With that in mind, if you want to ensure a smooth process, here are some common mistakes you should avoid:
1. Incorrect Signatures
The person giving up ownership (seller) of a car must sign in the correct section of the title. Otherwise, some states also require a notarized signature – it’s a good idea to check your DMV’s requirements beforehand. As such, signing in the wrong section of the title or missing a required signature can lead to title rejection.
2. Missing or Incomplete Paperwork
Each state’s DMV has forms that you’ll have to include when you’re trying to remove one owner from a car title with two names. This includes your title transfer applications, affidavits, or consent forms. A missing death certificate (in inheritance cases) or divorce decree (in divorce-related transfers) could also delay processing. Additionally, if a bill of sale is required, ensure that it’s correctly filled out and signed.
3. Overlooking the Lienholder’s Permission
If your car has an active loan or lien, then your lienholder must approve the title change, too. If you attempt to remove a name from the title without the lender’s consent, it’ll likely result in rejection. In some cases, you might have to pay off the existing loan first (if necessary) to simplify the process.
4. Assuming the Process Is the Same in Every State
As we noted earlier, the DMV title transfer rules and process vary by state. Some states even require additional steps, such as a title inspection or tax payment. As such, not checking your state’s DMV website before starting the process of removing one owner from a car title with two names could cause unnecessary delays.
5. Failing to Update Insurance After Title Change
Now, once one name has been removed from a car title with two names, the car’s insurance policy must also be updated. Otherwise, trying to keep the old name(s) on the insurance policy could create legal and financial issues in case of an accident or if you need to file a claim.
State-Specific Steps To Remove One Owner From A Car Title With Two Names
Thus far, we’ve teased you with the fact that trying to remove one owner from a car title with two names varies depending on state laws. So, to give you some context of what you’d have to do, here is how this procedure differs between California, Texas, and Florida:
1. Remove One Owner From Car Title With Two Names – California
If you’re in California, you’ll need to go through a smog check and fill out a title transfer form. Here’s a quick step-by-step for what you have to do:
- Title Transfer Form – First up, you need to complete the REG 227 (Application for Duplicate or Paperless Title) form if you don’t have the physical title.
- Smog Check – If your vehicle is over 4 years old, you may need a smog certification. That’s unless you transfer your car between family members.
- Notarization – It’s generally not required unless specified by the DMV for unique circumstances.
- Fees – A $15 transfer fee plus any applicable taxes or penalties will have to be paid.
- Where to Submit – You could submit the paperwork by visiting a local California DMV office. Or, you could mail the forms to the DMV headquarters.
2. Remove One Owner From Car Title With Two Names – Texas
Meanwhile, in Texas, you’ll have to submit the title transfer application, though some transfers require a notary. Here’s what you have to do:
- Title Application – First and foremost, you’ll have to submit Form 130-U (Application for Texas Title and/or Registration) along with the signed title.
- Notarization – Do note that some transfers require notarized signatures. It’s a good idea to check your local county tax offices for more specific confirmation.
- Lien Release – If the vehicle has an outstanding loan, the lender needs to provide a Lien Release Letter before proceeding.
- Fees – The title transfer fee is between $28–$33, depending on the specific county.
- Where to Submit – Finally, you could have the transfer processed at your local county tax office. Alternatively, it could be done via mail.
3. Remove One Owner From Car Title With Two Names – Florida
Last but not least, we have Florida, where you’ll need to bring a bill of sale, and electronic title transfers are a thing, too. Here’s what you’d have to do:
- Title Transfer Application – The seller (co-owner’s name who is being removed) must complete the HSMV 82040 (Application for Certificate of Title) form.
- Bill of Sale – Florida strongly recommends completing a Bill of Sale (HSMV 82050) to protect both parties. So, bear that in mind.
- Electronic Titles – If your car title is electronic, the transaction must be processed through the Florida e-Titles system before being issued a paper title.
- Notarization – It’s not required, but both parties must sign the car title.
- Fees – The title transfer fee is $75.25, plus any applicable sales tax.
- Where to Submit – Finally, you can submit the completed forms at a local Florida DHSMV office. Or, you can use an approved third-party title service.
4. Remove One Owner From Car Title With Two Names – Other States
| State | Title Transfer Form(s) | Notarization Required? | Special Requirements | Fees |
| Alabama | Title Application Form | Yes | Bill of Sale required | Title fee + applicable taxes |
| Alaska | Title & Registration Application | No | Odometer disclosure needed | $15 title fee + registration fees |
| Arizona | Title and Registration Application | No | Emissions test in certain areas | $4 title fee + registration fees |
| Arkansas | Title Application | Yes | Proof of insurance required | $10 title fee + registration fees |
| Colorado | Application for Title and/or Registration | No | VIN verification required | $7.20 title fee + applicable taxes |
| Connecticut | Application for Registration and Title | No | Emissions test required | $25 title fee + registration fees |
| Delaware | Application for Title | Yes | Safety inspection required | $35 title fee + registration fees |
| Georgia | Title/Tag Application | No | Proof of insurance required | $18 title fee + ad valorem tax |
| Hawaii | Application for Registration of Motor Vehicle | No | Safety inspection required | $5 title fee + registration fees |
| Idaho | Application for Certificate of Title | Yes | VIN inspection required | $14 title fee + sales tax |
| Illinois | Application for Vehicle Transaction(s) | No | Odometer disclosure required | $95 title fee + registration fees |
| Indiana | Application for Certificate of Title | No | VIN inspection required | $15 title fee + sales tax |
| Iowa | Application for Certificate of Title | No | Damage disclosure statement required | $25 title fee + registration fees |
| Kansas | Title and Registration Manual Application | Yes | VIN inspection required | $10 title fee + sales tax |
| Kentucky | Application for Kentucky Certificate of Title | Yes | Proof of insurance required | $9 title fee + registration fees |
| Louisiana | Vehicle Application | Yes | Proof of insurance required | $68.50 title fee + sales tax |
| Maine | Application for Certificate of Title | No | Odometer disclosure required | $33 title fee + registration fees |
| Maryland | Application for Certificate of Title | No | Safety inspection required | $100 title fee + excise tax |
| Massachusetts | Application for Registration and Title | No | Sales tax due at time of transfer | $75 title fee + registration fees |
| Michigan | Title Application | No | Proof of Michigan No-Fault insurance required | $15 title fee + 6% sales tax |
| Minnesota | Application to Title/Register a Vehicle | No | Odometer disclosure required | $8.25 title fee + registration fees |
| Mississippi | Application for Mississippi Title | Yes | Bill of Sale required | $9 title fee + registration fees |
| Missouri | Application for Missouri Title and License | No | Safety inspection required | $8.50 title fee + 4.225% state tax |
| Montana | Application for Certificate of Title | No | Notary required if no Montana dealer involved | $10.30 title fee + registration fees |
| Nebraska | Application for Certificate of Title | No | VIN inspection required | $10 title fee + sales tax |
| Nevada | Application for Vehicle Registration | No | Emissions test required in certain areas | $28.25 title fee + registration fees |
| New Hampshire | Title Application | No | VIN verification required | $25 title fee + registration fees |
| New Jersey | Application for Certificate of Ownership | No | Odometer disclosure required | $60 title fee + sales tax |
| New Mexico | Application for Vehicle Title and Registration | No | Emissions test required in certain areas | $27 title fee + registration fees |
| New York | Vehicle Registration/Title Application | No | Proof of insurance required | $50 title fee + sales tax |
| North Carolina | Title Application | Yes | Proof of liability insurance required | $56 title fee + highway use tax |
| North Dakota | Application for Certificate of Title | No | Damage disclosure statement required | $5 title fee + excise tax |
| Ohio | Application for Certificate of Title | Yes | Odometer disclosure required | $15 title fee + sales tax |
| Oklahoma | Application for Oklahoma Certificate of Title | No | Proof of insurance required | $11 title fee + excise tax |
| Oregon | Application for Title and Registration | No | VIN inspection required | $93 title fee + registration fees |
| Pennsylvania | Application for Certificate of Title | Yes | VIN verification required | $58 title fee + sales tax |
| Rhode Island | Application for Title | No | VIN inspection required | $52.50 title fee + sales tax |
| South Carolina | Title Application | Yes | Odometer disclosure required | $15 title fee + sales tax |
| South Dakota | Application for Motor Vehicle Title | No | Damage disclosure statement required | $10 title fee + 4% excise tax |
| Tennessee | Application for Certificate of Title | No | Odometer disclosure required | $11 title fee + sales tax |
| Utah | Application for Utah Title | No | Safety and emissions inspections required | $6 title fee + registration fees |
| Vermont | Registration/Tax/Title Application | No | VIN verification required | $35 title fee + purchase and use tax |
| Virginia | Application for Certificate of Title and Registration | No | Proof of insurance required | $15 title fee |