How to Remove a Name from a Car Title
Removing a co-owner from a car title is required after divorce, after a co-owner passes away, or when both parties agree to change ownership. The process differs by state and by the reason for removal — here is exactly what each situation requires.
AND vs OR Title — Why It Matters
The way names are joined on your title determines how easily one owner can be removed. Check your title before going to the DMV.
| Title Type | Example | Ease of Removal |
|---|---|---|
| AND Title | John Smith AND Jane Smith | High coordination required |
| OR Title | John Smith OR Jane Smith | Lower coordination required |
| AND/OR Title | John Smith AND/OR Jane Smith | Most flexible |
Step-by-Step by Situation
After Divorce
- 1Obtain a certified copy of the divorce decree or QDRO if required.
- 2Complete your state's title transfer form with the remaining owner as the sole transferee.
- 3Bring the original title, divorce decree, and government-issued ID to the DMV.
- 4Pay the title fee. In most states no sales tax is due on interspousal transfers.
- 5Receive new title in sole name within the state's processing window.
Note: Most states treat the divorce decree as legal authority — no court order for the vehicle itself is required unless the decree does not specifically address the vehicle.
After a Co-Owner Dies
- 1Locate the original title and determine whether it uses AND or OR language.
- 2"OR" title: surviving owner signs as both buyer and seller; attach death certificate.
- 3"AND" title: may require Letters Testamentary or a small estate affidavit depending on your state.
- 4Submit title, death certificate, and required forms to the DMV.
- 5Receive new title in the surviving owner's sole name.
Note: If the deceased's estate is in probate, you may need to wait for the executor to be formally appointed before the DMV will process the transfer.
By Mutual Agreement
- 1Both owners must sign the back of the title — the departing owner signs as seller, the remaining owner as buyer.
- 2Complete the state title transfer form and odometer statement if required.
- 3If a gift, note the relationship on the form to avoid sales tax in states that offer family exemptions.
- 4Submit to the DMV with ID for both parties (some states require both to appear).
- 5Receive new title in sole name.
Note: Some states require both parties to appear at the DMV together. Call ahead to confirm your state's requirements before making the trip.