The state sets the notary bond at $10,000. For most applicants, that translates to $50–$150 a year — 1%–2% of the bond amount. It’s one of the most affordable bonds in Missouri. Applicants with lower credit still typically qualify, usually at $100–$200 annually. You can apply online and have the bond the same day.
Missouri Surety Bonds
Guarantees seamless surety bond solutions at the least cost. 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
Dozens of Missouri-licensed businesses carry a surety bond — notaries, auto dealers, freight brokers, mortgage companies, collection agencies. It’s not optional. If your license application asks for one, you need it before you can operate. Call us or apply online; most bonds go out the same day.
Most Common Missouri Surety Bonds
Here’s what Missouri businesses and professionals get bonded for most often:
|
Bond Type |
Who Needs It |
Required By |
Bond Amount |
Surety Bond Price Range |
| Notary Bond | Notaries seeking commission | MO Secretary of State | $10,000 for a 4-year term (s1.sos.mo.gov) | About $45–$50 for the 4-year term |
| Auto Dealer Bond | Vehicle dealers in Missouri | MO Department of Revenue | $50,000 standard dealer bond; $100,000 may apply in certain delayed-title delivery cases (Missouri Department of Revenue) | Starts around $250; often estimated around 1%–3% of the bond amount, or about $500–$1,500 for a $50,000 bond |
| Mortgage Broker Bond | Licensed residential mortgage loan brokers | MO Division of Finance | Current schedule ranges from $50,000–$500,000 based on loans brokered, funded, or serviced; $100,000 is one tier, not the universal amount (finance.mo.gov) | Starts around $375–$3,750 depending on required bond amount and underwriting ( |
| Freight Broker Bond (BMC-84) | Freight brokers operating in or through Missouri | FMCSA | $75,000 (FMCSA) | Starts around $938/year; higher-risk applicants may pay more based on underwriting |
| Debt Adjuster Bond / Collection-related Bond | Debt adjusters handling debt management plans | MO Division of Finance | $100,000 debt adjuster bond; I could not verify a statewide Missouri “collection agency bond” requirement for $50,000 in official MO sources (finance.mo.gov) | Starts around $1,500; commonly estimated at 1%–5% of the $100,000 bond amount |
Public officials, contractors, and other regulated professions may need bonds too. Don’t see yours? Call — we cover all Missouri-regulated industries.
costs
How Much Does a Surety Bond Cost in Missouri?
You’re paying a premium — a small percentage of the total bond amount, not the full sum. Credit score drives the rate more than anything else. Missouri’s notary bond sits at $10,000; most notaries land at $50–$150 a year. A $50,000 auto dealer bond? Good-credit applicants typically pay $500–$1,500 annually.
| Credit Score | Premium Rate | Example: $50,000 Bond |
|---|---|---|
| Excellent (720+) | 1%–2% | $500–$1,000/year |
| Good (660–719) | 2%–3% | $1,000–$1,500/year |
| Fair (600–659) | 3%–5% | $1,500–$2,500/year |
| Challenged (<600) | 5%–15% | $2,500–$7,500/year |
Bid, performance, and payment bonds are a different animal — priced by project scope and financials. Reach out for a custom quote on those.
Missouri Surety Bond Requirements: What the Missouri Division of Professional Registration Requires
Bond rules in Missouri run through several agencies depending on your profession:
- Missouri Division of Professional Registration (DPR) — the primary licensing body for many regulated trades in the state. Current requirements at pr.mo.gov.
- Missouri Division of Finance — sets bond requirements for mortgage brokers ($100,000) and collection agencies ($50,000).
- MO Dept of Revenue — handles the $50,000 auto dealer bond for vehicle dealers statewide.
- Renewal — most Missouri bonds run on an annual cycle. Let one lapse and your license goes with it — suspended until a new bond is filed and accepted.
- Cancellation — 30 days written notice is required before a Missouri bond can be cancelled. The obligee agency gets notified directly.
step by step guide
How to Get a Surety Bond in Missouri
-
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. Most license bonds are done before end of business.
- Find your bond type and amount — your license application spells it out, or call the requiring agency directly.
- Apply with us — online or by phone. Soft credit pull only; your score won’t move.
- Get your quote — we run it through multiple top-rated carriers and send the lowest number we find.
- Pay and receive — electronic delivery, same business day for standard license bonds.
- File with the obligee — send it to the Missouri agency that required it. We’ll tell you exactly what format they accept.
faq
Missouri Surety Bond FAQ
What does a Missouri notary surety bond actually cost?
My credit isn't great. Can I still get bonded in Missouri?
Bankruptcies, tax liens, a rough stretch — none of that is an automatic disqualifier. It changes your rate, not your eligibility. Most Missouri applicants with challenged credit land between 5% and 15% of the bond amount. On a $50,000 auto dealer bond, that’s $2,500–$7,500 per year. We’ll give you the exact number upfront, before you commit to anything.
How quickly can I get a Missouri surety bond?
For notary, auto dealer, freight broker, and most other license bonds — same business day, assuming you apply during business hours. Get your application in before noon and the bond usually goes out that afternoon. Construction bonds and court bonds take longer: 3–5 business days for underwriting. If you’re working against a deadline, say so when you call. We’ll move your file up.
What if my Missouri bond lapses?
No grace period. The day it expires, your license is suspended — and you can’t legally operate until a replacement bond is filed and accepted. Missouri also requires 30 days advance notice before a bond can be cancelled outright. Don’t cut it close on renewal. If you want, we can send automatic reminders so this doesn’t catch you off guard.
location search
Choose Bond by States
We proudly serve all 50 states, offering a full range of surety bonds. To buy surety bonds online:
- 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.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
District Of Columbia
West Virginia
Wisconsin
Wyoming
Ohio
main reasons
Why Work With Us?
Easy Application Process
Simply fill out our convenient online application form to get started.
Extensive Carrier Network
We work with a wide range of carriers to provide many options to our clients.
Competitive Rates
As an independent agency, we can leverage our carrier network to find the most competitive rates for the bonds you need.
Quick Turnarounds
We work to get you bonded as quickly as possible, often in 24 hours or less.
Exceptional Service
Our experienced surety bond agents provide personalized assistance to help you understand your bonding requirements and options.
who we work with
Our Insurance Company Partners Nationwide
Testimonials
What our customers say about us
Request a Quote
Request an online quote today! Or speak with one of our knowledgeable surety bond agents about the commercial bonds you are interested in.