How to Transfer a Car Title After Divorce in Maine

When a Maine divorce decree awards a vehicle to one spouse, the other spouse's ownership interest is legally extinguished under 29-A M.R.S. § 665(5). But "legally extinguished" doesn't mean the title updates itself — you need to apply for a new certificate of title at the Maine Bureau of Motor Vehicles.

The clock is ticking: if you don't submit the title application within 30 days of the transfer, a mandatory $50 late penalty kicks in under 29-A M.R.S. § 603.

What You Need to Bring to the BMV

Application for Certificate of Title (Form MVT-2). This is a physical carbon-copy form — it cannot be downloaded or printed at home. Pick one up at any BMV branch office or municipal town office before your appointment.

The existing certificate of title. If your ex-spouse is cooperative, they sign the title over to you as the transferor. If they refuse to sign, bring a certified copy of the divorce decree that specifically awards you the vehicle — this serves as legal proof of transfer.

Odometer disclosure. Required for vehicles under 20 model years old. The reading goes on the title application.

Proof of insurance. Current auto insurance in your name covering the vehicle.

Payment. The standard title application fee is $33.

Handling Outstanding Liens

If there's an active loan on the vehicle, the process gets more complicated. The lienholder (bank or finance company) currently holds the title. You'll need to:

1. Contact the lienholder and provide a copy of the divorce decree showing the vehicle was awarded to you
2. The lienholder must surrender the old title to the Secretary of State
3. A new title will be issued reflecting the continuous lien — the loan doesn't disappear because of the divorce

If you're refinancing the auto loan into your name only, coordinate the title transfer with the new lender. They'll handle the lien release and new title simultaneously.

Updating the Registration

The title transfer handles ownership, but you also need to update the vehicle registration. File Form MV-138 (Name Addition/Deletion on Registration) at your local town office or BMV branch. If you're not completing the form in person, it must be signed and notarized.

The registration links to your insurance, excise tax records, and inspection status — keeping it in a former spouse's name creates liability complications if the vehicle is involved in an accident.

Don't Forget Auto Insurance

Update your auto insurance immediately:

• Remove your ex-spouse as a named insured or additional driver
• Add yourself as the sole policyholder if you were previously on a joint policy
• Confirm the vehicle is listed under your new name if you've completed a name change

Failing to update insurance can void your coverage in a claim — insurers require accurate policyholder information.

The Maine After-Divorce Checklist includes a vehicle transfer worksheet with each BMV form, fee, and the 30-day deadline tracker to avoid the late penalty.

See more Maine guides →