Upfront costs
| Cost | What it is | Typical range |
|---|---|---|
| Title transfer | Puts the car in your name | $15–$100 |
| Sales or use tax | Some states tax gifted cars; many exempt them | $0–several hundred |
| Registration & plates | Required to drive legally | $50–$400 |
| Insurance down payment | Required before you drive away | $100–$500 |
| Inspection / emissions | Required in some states | $0–$70 |
| Program fee | Some programs charge a fee (never to apply) | $0–$1,000+ |
Ranges are general estimates and vary by state and vehicle. Check your state DMV for exact fees.
Ongoing costs
- Insurance — often the largest monthly cost
- Gas
- Maintenance and repairs — donated cars are usually older
- Annual registration renewal
How to prepare
- Get insurance quotes before you apply so you know what to expect
- Ask your program exactly which fees you will pay
- Ask your caseworker whether TANF or another program can help with fees
- Set aside a small repair fund
If the costs are too high
Look at repair help for a car you already have, nonprofit car loans or government transportation help.
Related help
Step-by-step title transfer guide · insurance minimums in your state, for example California or Texas · car maintenance on a budget · gas assistance
Frequently asked questions
Do I have to pay taxes on a donated car?
It depends on your state. Some states exempt gifted vehicles from sales tax; others charge a use tax. Check with your DMV.
Will the program pay for insurance?
Usually not. Most programs require you to insure the car yourself before you take it home.