Q: Will I need insurance for the car I'm buying or if I am renewing it?
A: YES. Proof of current Kentucky liability insurance is required at the time of transfer. The Insurance card must reflect the VIN of the vehicle being transferred, show the new owner's name as the insured, and show the NAIC number or company code. When you come to renew your vehicle your insurance will probably be in the computer, but you may want to bring it just in case it is not (this will prevent you from being rejected for a renewal).
Q: Do I have to let you know if I junk my vehicle?
A: YES. You must surrender your title and license plate to the county clerk's office in order to cancel the record. Not cancelling the record will result in more taxes on a vehicle you no longer own.
Q: How long will it take to receive my title?
A: Titles are processed by the Department of Transportation and are mailed to the customer within 4 to 6 weeks of application. Expedited "Speed" titles are available in some circumstances for an additional fee. Speed titles are mailed within 4 to 5 days of application.
Q: I paid off my vehicle. What do I need to take to the county clerk's office to get a clear title?
A: You will need to bring the title and a termination statement from the financial institute.
Q: I have sold my vehicle to an out-of-state resident. What do I do?
A: You will need to notify your county clerk with the name and state of the new owner. You will also need to return the Kentucky license plate to your Kentucky county clerk's office. If you were a resident of Kentucky and owner of the vehicle January 1st you may have property taxes due on that vehicle.
Q: I want to trade a boat/trailer/ATV/farm equipment for a motor vehicle. Will I be given trade-in credit?
A: No, only vehicles which have been plated for use on the highway pay usage tax so only those vehicles qualify for trade credit. Any tax charged on trailers, boats, farm equipment, ATVs etc. would not be usage tax. The tax collected on those Items would have been Sales/Use Tax.
Q: Can I add my spouse/parent/child’s name to my vehicle registration/title without paying tax?
A: If the vehicle is properly registered to you in KY and you want to add your spouse/parent or child, the transaction would be exempt. Documentation is required.
Q: I will be moving Into Kentucky. What tax will be due?
A: The 6% usage tax is due upon initial registration into Kentucky. If your vehicle was properly registered to you in the previous state, you will be given tax credit for what you paid to the other state on sales/usage/use tax.
Q: I paid off my vehlcle. What do I need to take to the county clerk's office to get a clear title?
A: You will need to bring the title and a termination statement from the financial Institute.
Q: What do I need to take to the county clerk's office to get a duplicate Kentucky title?
A: To get a duplicate title you will need the following:
- Form TC96-182 properly completed including the owner section and the vehicle identification section.
- Title number OR license plate number
- $6.00 (US) plus cost of a notary
- Picture ID or driver’s license