Your Dealer Bond Should Cost Hundreds. Brokers Quote Thousands.
Every state requires a surety bond A three-party agreement where a surety company guarantees to an obligee that a principal will fulfill their obligations. If the principal fails, the surety pays the claim and seeks reimbursement from the principal. before it issues a dealer license. Brokers mark yours up 20 to 40 percent and call it a service. We show you the required amount, the statute behind it, and the Premium The annual cost you pay for a surety bond, typically 1–15% of the total bond amount. Your rate depends on credit score, financials, and bond type. range your credit actually earns. Free, no email gate.
States covered with statute citations
Bond amounts, state by state
What premiums actually run
Typical broker commission built into your rate
Estimated annual broker fees in the U.S. surety market
That is money dealers pay for introductions, not for bond coverage.
Dealer Bonds
All 50 states. The amount your state requires, the statute that sets it, and what the premium should run.
Bond Cost Calculator
Pick your state and credit tier. See your number before anyone asks for your phone number.
Bonded Titles
Bought a vehicle with no title? Find out whether your state needs a bonded title and what it costs.
The Bond Industry Has a Middleman Problem
Most dealers buy their bond through brokers The percentage of your premium that goes to the bond broker or agent, typically 20–30%. This is built into your rate — you're already paying it. who add cost without adding value. Here is what they do not want you to know.
Commissions Are Built In
Information Is Gatekept
The Process Is Simpler Than They Say
Where Your Premium Actually Goes
An $800 premium on a $25,000 used dealer bond. Here is where that money ends up when it goes through a broker.
$360
on an $800 premium
$240
on an $800 premium
$120
on an $800 premium
$80
on an $800 premium
Dealer bond requirements by state
See all 50 states →The amount below is what your state requires by statute. It is not what you pay. Your premium is a percentage of it, set by your credit.
Alabama
$50,000
Alaska
$25,000 to $100,000
Arizona
$20,000 to $100,000
Arkansas
$25,000 to $50,000
California
$10,000 to $50,000
Colorado
$5,000 to $50,000
Connecticut
$60,000
Delaware
$25,000
Florida
$25,000
Georgia
$35,000
Hawaii
$10,000 to $200,000
Idaho
$20,000
Illinois
$50,000
Indiana
$25,000
Iowa
$75,000
Kansas
$30,000 to $50,000
Kentucky
$100,000
Louisiana
$20,000 to $50,000
Maine
$25,000
Maryland
$15,000 to $300,000
Massachusetts
$25,000
Michigan
$25,000
Minnesota
$50,000
Mississippi
$15,000 to $100,000
Missouri
$50,000 to $100,000
Montana
$5,000 to $50,000
Nebraska
$50,000 to $75,000
Nevada
$10,000 to $100,000
New Hampshire
$25,000
New Jersey
$10,000
New Mexico
$12,500 to $50,000
New York
$20,000 to $100,000
North Carolina
$50,000
North Dakota
$10,000 to $50,000
Ohio
$75,000
Oklahoma
$25,000 to $50,000
Oregon
$10,000 to $50,000
Pennsylvania
$20,000 to $30,000
Rhode Island
$50,000
South Carolina
$15,000 to $50,000
South Dakota
$5,000 to $25,000
Tennessee
$50,000
Texas
$50,000
Utah
$10,000 to $75,000
Vermont
$20,000 to $35,000
Virginia
$50,000
Washington
$30,000
West Virginia
$25,000
Wisconsin
$50,000 to $100,000
Wyoming
$25,000
How Bonding Actually Works
The bonding process is not a mystery. Here are the three core steps, no broker required.
Your State Requires a Bond
Step 1You Apply with a Surety
Step 2You Get Bonded
Step 3When your broker buys you a steak dinner, remember — you already paid for it. It came out of your premium.
— The NoBro Bonds Perspective
Learn on Your Own Terms
Know your number before anyone quotes you
The bond amount is set by statute. The premium is set by your credit. Neither is set by whoever answers the phone first.
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