For a Colorado auto dealer with good credit (660+), expect to pay $500–$1,500 per year — 1%–3% of the $50,000 bond amount. If your credit is below 600, rates typically run $2,500–$7,500 annually. We work with applicants at all credit levels and shop multiple carriers to find the best rate available.
Colorado Surety Bonds
Seamless surety bond solutions at the best available rate. Get expert guidance for your business or project with a free quote.
Contact Us for a Free Surety Bonds Quote
It’s easy with our simple 3-step process:
- Apply Online
- Get Quote
- Receive Bond
Colorado requires surety bonds for mortgage originators, auto dealers, collection agencies, contractors, and many other licensed businesses. A surety bond Colorado regulators require is a condition of your license — not optional. We issue most bonds the same day you apply. Get a free quote now.
Most Common Colorado Surety Bonds
Here are the most requested bond types in Colorado:
| Bond Type | Who Needs It | Required By | Bond Amount |
|---|---|---|---|
| Mortgage Loan Originator Bond | Mortgage loan originators | CO Division of Real Estate | $25,000 |
| Auto Dealer Bond | New and used vehicle dealers | CO Dept of Revenue | $50,000 |
| Contractor License Bond | Contractors in licensed trades | City/county authority | $5,000–$25,000 |
| Collection Agency Bond | Licensed collection agencies | CO Attorney General | $20,000 |
| Vehicle Title Bond | Owners with lost or missing titles | CO Dept of Revenue | 1.5× vehicle value |
|
Bond Type |
Who Needs It |
Required By |
Bond Amount |
Surety Bond Price Range |
| Mortgage Loan Originator Bond | Mortgage loan originators | CO Division of Real Estate | $25,000 for individual MLOs; $100,000 for groups under 20 licensees; $200,000 for groups with 20+ licensees (Division of Real Estate) | Individual bond starts around $100; group bonds start around $400–$500, with larger bonds subject to underwriting |
| Auto Dealer Bond | New and used vehicle dealers | CO Motor Vehicle Dealer Board / CO Dept. of Revenue | $50,000; small trailer dealers under 2,000 lbs need $5,000 (SBG Colorado) | $50,000 dealer bond starts around $450/year; $5,000 small trailer dealer bond is usually about $100 (SuretyBonds.com) |
| Contractor License Bond | Contractors in licensed trades, depending on local license type | City/
county authority |
Varies by municipality and license. Example: Denver structural contractor bond is $25,000, while Denver general and excavation contractor ROW bonds are $50,000 (Denver.gov) | Common local contractor bonds start around $100/year; example pricing shows $25,000 Denver structural bond around $250/year and $50,000 Denver sewer/general-type bonds around $500/year (SuretyBonds.com) |
| Collection Agency Bond | Licensed collection agencies | CO Attorney General / Colorado Department of Law | $12,000–$20,000, based on client remittance volume; not a flat $20,000 for every agency (Colorado General Assembly) | About $120–$250/year, based on bond amount |
| Vehicle Title Bond | Owners with lost, missing, or incorrect title documents | CO Dept. of Revenue / DMV | 2× vehicle value, not 1.5× vehicle value (Colorado DMV) | Starts around $100 for a 3-year term; usually $10 per $1,000 of coverage up to $50,000, with larger bonds requiring underwriting |
Colorado also has a significant cannabis industry bond market — unique to the state. If you need a bond for a cannabis-related license, we handle those too. Call us for current requirements.
costs
How Much Does a Surety Bond Cost in Colorado?
Your bond cost is a premium — a percentage of the required bond amount. Credit score is the biggest driver. Colorado’s auto dealer bond is set at $50,000; a good-credit applicant pays $500–$1,500 per year for that bond alone.
| Credit Score | Premium Rate | Example: $25,000 Bond |
|---|---|---|
| Excellent (720+) | 1%–2% | $250–$500/year |
| Good (660–719) | 2%–3% | $500–$750/year |
| Fair (600–659) | 3%–5% | $750–$1,250/year |
| Challenged (<600) | 5%–15% | $1,250–$3,750/year |
Construction and contract bonds are priced by project size and financials — call us for a custom quote.
Colorado Surety Bond Requirements: What DORA and CDPO Require
Colorado’s licensing landscape spans dozens of regulated professions:
- DORA (Dept of Regulatory Agencies) — oversees surety bond requirements for mortgage originators, collection agencies, and many other professions. See dpo.colorado.gov.
- CO Dept of Revenue — requires the $50,000 auto dealer bond and vehicle title bonds (1.5× the vehicle’s value).
- Renewal — most Colorado surety bonds are annual. A lapsed bond results in license suspension until a replacement bond is filed.
- Cancellation — Colorado bonds typically require 30 days advance notice before cancellation.
- Cannabis bonds — Colorado is one of the few states with active cannabis industry bond requirements. Requirements vary by license tier and municipality.
step by step guide
How to Get a Surety Bond in Colorado
-
Choose Your Bond Type
Select the bond you need — commercial, contract, or any specialized bond. We help you find exactly what is required in your state.
-
Submit a Quick Application
Complete a short online form. It only takes a few minutes, with no extra paperwork or long verification steps.
-
Get Approved & Receive Your Bond
Get fast approval and receive your bond instantly by email. Your document is ready to use right away.
Five steps. License bonds are typically done same-day.
- Find your bond type and required amount — check your DORA license application or call us.
- Apply online or by phone — soft credit pull, no impact to your score, five minutes to complete.
- Get your quote — we compare rates across top-rated surety carriers.
- Pay and receive your bond — electronic delivery same business day for most license bonds.
- File with the obligee — submit to the agency that required it; we’ll confirm the exact format.
faq
Colorado Surety Bond FAQ
How much does a $50,000 auto dealer bond cost in Colorado?
What is a vehicle title bond in Colorado and how much does it cost?
A Colorado vehicle title bond is required when you own a vehicle but can’t obtain a standard title — typically due to a missing or incomplete title document. The bond amount is set at 1.5 times the vehicle’s appraised value. For a $20,000 vehicle, that’s a $30,000 bond — costing $300–$900 per year at standard rates. The CO Dept of Revenue accepts these bonds in lieu of a traditional title.
Do I need a surety bond for a cannabis license in Colorado?
It depends on your license type and municipality. Colorado cannabis operators — including retail stores, cultivators, and manufacturers — may be required to carry a surety bond as part of state or local licensing. Requirements vary by tier and location. Call us with your specific license type and we’ll confirm the current bond requirement.
What happens if my Colorado surety bond is cancelled?
If your bond is cancelled, your license is suspended. Colorado law requires 30 days advance notice before a bond can be terminated, which gives you time to replace it. If you’re switching carriers or renewing, don’t let coverage lapse between bonds. We can issue a replacement bond before your current one ends.
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- Choose your state
- Choose the bond type you need
- Apply online to request a free quote
There’s no obligation, and we can often help you get bonded in 24 hours or less.
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Simply fill out our convenient online application form to get started.
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We work with a wide range of carriers to provide many options to our clients.
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As an independent agency, we can leverage our carrier network to find the most competitive rates for the bonds you need.
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We work to get you bonded as quickly as possible, often in 24 hours or less.
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Our experienced surety bond agents provide personalized assistance to help you understand your bonding requirements and options.
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