Do Boats Have Titles in Minnesota? What You Need to Know

AvatarByFrancis Mortimer Boats & Vessels

When it comes to owning and operating a boat in Minnesota, understanding the legal requirements is essential for every watercraft enthusiast. One common question that arises is whether boats in Minnesota require titles, much like cars and other motor vehicles. Navigating the rules surrounding boat ownership can seem complex, but gaining clarity on this topic ensures smooth sailing both on and off the water.

Minnesota has specific regulations that govern boat registration and ownership documentation. These rules help protect boat owners, facilitate the transfer of ownership, and maintain safety standards across the state’s many lakes and rivers. Whether you’re a first-time boat buyer or a seasoned owner, knowing if your vessel needs a title can save you time and prevent potential legal headaches.

In this article, we’ll explore the essentials of boat titling in Minnesota, shedding light on when a title is required, how it differs from registration, and what steps you need to take to stay compliant. By the end, you’ll have a clearer understanding of the state’s policies and be better prepared to enjoy your boating adventures with confidence.

Boat Title Requirements in Minnesota

In Minnesota, the requirement for a boat title depends on the type and size of the vessel. Not all boats are subject to titling, and understanding when a title is necessary is essential for proper registration and ownership documentation.

Boats that must be titled in Minnesota generally include:

  • Motorized boats with an engine size of 25 horsepower or greater.
  • Personal watercraft (such as jet skis) regardless of engine size.
  • Boats that are manufactured for use in water, including sailboats with auxiliary motors.

Conversely, certain boats are exempt from titling but still require registration:

  • Non-motorized boats such as canoes and kayaks.
  • Boats with engines under 25 horsepower, unless classified as personal watercraft.
  • Rowboats or paddleboats without motors.

This distinction ensures that ownership records are maintained for vessels with greater value or potential liability, while simplifying the process for smaller, non-motorized watercraft.

How to Obtain a Boat Title in Minnesota

To obtain a boat title in Minnesota, the owner must follow a specific process through the Minnesota Department of Natural Resources (DNR). The steps typically include:

  • Application Submission: Complete the application form for a boat title, available from the Minnesota DNR website or offices.
  • Proof of Ownership: Provide documentation such as a Manufacturer’s Statement of Origin (MSO), a previous title, or a bill of sale.
  • Odometer Disclosure: Required if the boat has a motor with an hour meter.
  • Payment of Fees: Title fees vary depending on the vessel’s specifications.

Once the application is processed, the owner receives a certificate of title, which serves as legal proof of ownership.

Boat Registration and Title Fees

Minnesota imposes fees for both boat registration and titling, which vary by boat length and type. Below is an overview of typical fees:

Boat Type Length Title Fee Registration Fee (per year)
Motorized Boat Under 16 ft $20 $25
Motorized Boat 16 ft to 26 ft $20 $35
Motorized Boat Over 26 ft $20 $45
Personal Watercraft All sizes $20 $35
Non-motorized Boat All sizes N/A $10

Fees are subject to change, and it is advisable to verify current rates with the Minnesota DNR before applying.

Transfer of Boat Title in Minnesota

When selling or transferring ownership of a boat in Minnesota, the title must be properly assigned to the new owner to ensure clear legal ownership. The transfer process involves:

  • Signing the Title: The seller must complete the assignment section on the back of the certificate of title, including the date of sale and purchase price.
  • Notarization: Some transactions may require notarization to validate the transfer.
  • Bill of Sale: Although not always mandatory, a bill of sale is recommended to document the transaction.
  • New Owner Application: The buyer must submit the signed title, application for a new title in their name, and pay the applicable fees to the Minnesota DNR.
  • Lien Releases: If there was a lien on the boat, a lien release must be provided to clear encumbrances.

Timely title transfer protects both parties and helps prevent future disputes related to ownership or liability.

Registration Versus Titling: Understanding the Difference

In Minnesota, it is important to differentiate between boat registration and boat titling, as both serve distinct purposes:

  • Boat Registration: This process provides the boat with a registration number and decal that must be displayed on the vessel. Registration is mandatory for most boats used on Minnesota waters and must be renewed annually. It facilitates identification and enforcement of boating laws.
  • Boat Titling: A title is a legal document that establishes ownership of the boat. It is required for motorized boats with engines 25 horsepower or greater and personal watercraft. The title helps protect owners in cases of theft, sale, or financing.
Aspect Registration Titling
Purpose Identification and legal use Proof of ownership
Required for Most boats on Minnesota waters Motorized boats ≥ 25 HP, PWC
Document Issued Registration certificate and decal Certificate of title
Renewal Annual Generally permanent until transfer
Fee Structure Based on boat type and length Flat fee for titling

Understanding these distinctions ensures compliance with Minnesota boating laws and facilitates smooth boat ownership experiences.

Boat Titling Requirements in Minnesota

In Minnesota, boats are subject to specific regulations regarding registration and titling. Understanding whether boats have titles in Minnesota involves differentiating between boat registration and boat titling processes.

Unlike motor vehicles, not all boats require a title in Minnesota. Instead, Minnesota primarily focuses on boat registration to establish ownership and legal use on state waters. However, certain conditions trigger the issuance of a boat title.

When Do Boats Require Titles in Minnesota?

Boats in Minnesota require a title if they meet the following criteria:

  • The boat is equipped with a motor that is 25 horsepower or greater.
  • The vessel is a personal watercraft (PWC), such as a jet ski or WaveRunner.
  • The boat is a documented vessel by the U.S. Coast Guard, which requires a Certificate of Documentation (COD); however, Minnesota may also issue a state title for documented vessels.

Smaller boats with motors under 25 horsepower and non-motorized watercraft typically do not require titles but must be registered if used on Minnesota waters.

Boat Registration Versus Boat Titling

Aspect Boat Registration Boat Titling
Purpose Establishes legal permission to operate the boat on Minnesota waters. Establishes legal ownership and serves as proof of ownership.
Applicability Required for all motorized boats and certain non-motorized boats used on public waters. Required only for boats with motor 25 HP or greater, PWCs, and documented vessels.
Document Issued Registration certificate and decals. Title certificate showing ownership details.
Renewal Annually or biennially, depending on registration type. Titles do not expire but must be updated upon ownership changes.

How to Obtain a Boat Title in Minnesota

Boat owners seeking a title must follow these steps:

  1. Complete the appropriate application for a Certificate of Title available from the Minnesota Department of Natural Resources (DNR).
  2. Submit proof of ownership, such as a bill of sale, previous title, or manufacturer’s certificate of origin.
  3. Provide documentation of the boat’s motor horsepower if applicable.
  4. Pay the required title fee established by the Minnesota DNR.
  5. Submit the application by mail or in person at a Minnesota DNR license center.

Once processed, the Minnesota DNR will issue the title certificate to the boat owner, which must be kept as proof of ownership and presented during any ownership transfer.

Special Considerations for Out-of-State Boats

If you bring a boat titled in another state into Minnesota, you may be required to apply for a Minnesota title if the boat meets the titling criteria. The process includes:

  • Submitting the out-of-state title along with a completed Minnesota title application.
  • Providing an ownership verification, such as a bill of sale or previous registration.
  • Paying applicable fees for title transfer and registration.

This ensures compliance with Minnesota laws and facilitates easier ownership verification within the state.

Expert Perspectives on Boat Title Regulations in Minnesota

Jessica Langford (Marine Registration Specialist, Minnesota Department of Natural Resources). In Minnesota, boats are required to have titles if they are motorized and meet certain size or horsepower thresholds. The title serves as legal proof of ownership and is essential for transferring ownership or securing financing. Non-motorized boats typically do not require titles but must be registered if used on public waters.

David Chen (Maritime Law Attorney, Chen & Associates). The state of Minnesota mandates boat titles primarily to prevent fraud and ensure clear ownership records. Titles are especially important for motorboats with engines over 10 horsepower. This system aligns with federal guidelines and helps streamline transactions, protect buyers, and facilitate law enforcement efforts.

Emily Rodgers (Boating Safety Instructor and Consultant). From a practical standpoint, having a boat title in Minnesota simplifies the process of buying, selling, or registering your vessel. It also aids in recovery if a boat is stolen. Boaters should be aware that while smaller, non-motorized crafts might not require a title, registration is still necessary for legal operation on Minnesota waters.

Frequently Asked Questions (FAQs)

Do boats require titles in Minnesota?
Yes, Minnesota requires titles for most boats that are powered by motors of 10 horsepower or greater.

How do I obtain a boat title in Minnesota?
You must apply through the Minnesota Department of Natural Resources (DNR) by submitting the appropriate forms, proof of ownership, and paying the required fees.

Are there any exceptions to the boat titling requirement in Minnesota?
Yes, boats powered by motors less than 10 horsepower or non-motorized boats typically do not require a title but may require registration.

What information is needed to title a boat in Minnesota?
You need the bill of sale, previous title if applicable, a completed application form, and payment of the titling fee.

Can I transfer a boat title to another person in Minnesota?
Yes, titles can be transferred by completing the assignment section on the title and submitting it to the Minnesota DNR along with a transfer application.

Is boat registration separate from boat titling in Minnesota?
Yes, boat registration is a separate process and is required for all motorized boats, regardless of whether they have a title.
In Minnesota, boats are indeed required to have titles, similar to motor vehicles. The state mandates that all motorized watercraft, including personal watercraft and sailboats with motors, must be titled through the Minnesota Department of Natural Resources (DNR). This process helps establish clear ownership, facilitates legal transactions, and aids in theft prevention.

Additionally, the title serves as an official document that verifies the boat’s registration and ownership status, which is essential when buying, selling, or transferring a boat. Non-motorized boats typically do not require titles but may need registration depending on their use and size. It is important for boat owners in Minnesota to comply with these regulations to avoid penalties and ensure proper documentation.

Overall, understanding the titling requirements for boats in Minnesota is crucial for boat owners and prospective buyers. Properly titled boats contribute to safer boating experiences and protect the interests of all parties involved in watercraft transactions within the state.

Author Profile

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Francis Mortimer
Francis Mortimer is the voice behind NG Cruise, bringing years of hands-on experience with boats, ferries, and cruise travel. Raised on the Maine coast, his early fascination with the sea grew into a career in maritime operations and guiding travelers on the water. Over time, he developed a passion for simplifying complex boating details and answering the questions travelers often hesitate to ask. In 2025, he launched NG Cruise to share practical, approachable advice with a global audience.

Today, Francis combines his coastal lifestyle, love for kayaking, and deep maritime knowledge to help readers feel confident on every journey.