state-fee-lookuplisted

# State Fee Lookup > **Caveat**: this skill is one author's playbook + 5-scenario stress test. Verify state fees / CPO terms / EV credits / dealer practices against current sources before quoting numbers to a dealer or making financial decisions. Not tax, legal, or financial advice. > last_verified: 2026-05-18 > Scope: narrow per-state fee retrieval. For OTD math see `../otd-calculator/SKILL.md`. For full negotiation/closing flow see `../orchestrator/SKILL.md`. ## Lookup pattern Given a state code + buyer ZIP, return the 6-field summary: ``` State : XX RateBase : N.NNN% (state-level) RateLocal: N.NN% (county/city stack at ZIP, 0 if state has no local stacking) DocCap : $NNN or "no cap" (statutory legal max) Title : $NN Reg(1yr) : $NN (sedan/SUV; weight-based variants noted) TradeCr : YES / NO / partial ``` ## All-state summary | State | Base rate | Local typ | Doc cap | Title | Reg | Trade credit | |-------|-----------|-----------|---------|-------|-----|--------------| | AL | 2% | 2-4% | none | $20 | $30 | Yes | | AK | 0% | 0-7.5% | none | $15 | $100 | N/A | | AZ | 5.6% | 1-5% | none | $4 | $50 | Yes | | AR | 6.5% | 1-5% | none | $10 | $25 | Yes | | CA | 7.25% | 1-2% | $85 | $25 | $250 | NO | | CO | 2.9% | 1-5% | none | $7 | $90 | Yes | | CT | 6.35% (7.75% >$50k) | 0% | none | $25 | $80 | Yes | | DE | 0% (4.25% doc fee) | 0% | n/a structure | $35 | $50 | N/A | | DC | 6-9% excise weight | 0% | none | $26 | $70 | Yes | | FL | 6% | 0.5-2% on first $5k | none |