Surety Bond Cost Guide

A $100,000 surety bond costs $500 to $10,000 per year (1%–10% of the bond amount).

✓ Large contractor licenses, major auto dealer bonds
✓ Same-day approval for qualified applicants
✓ Bad credit OK
✓ 60 years experience – A+ BBB rated
✓ Multi-year discounts available

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📞 Call 1-800-331-5453

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Pricing Breakdown

$100,000 Bond Cost by Credit Score

Rate Type Percentage
Standard Rate 1% – 3% of the bond amount
Substandard Rates 3% – 10%

Note: Final rates depend on bond type, financial strength, industry experience, and claims history.

Common Bonds Requiring $100,000

🏗

Large Contractor Bonds

Required for major construction operations.

🚗

Major Auto Dealer Bonds

High-volume states like Arizona require $100,000.

🏢

Large Business Operations

Significant commercial operations.

What You Actually Pay for a $100,000 Bond

Important: The $100,000 is NOT what you pay. It’s the maximum coverage.

  • 💰

    Bond Amount: $100,000

    Maximum the surety pays if there’s a valid claim.

  • ✅

    Premium (What You Pay):

    Small percentage based on credit.

Getting a $100,000 Bond with Bad Credit

Bad credit won’t prevent you from getting bonded.

  • We can approve most applicants regardless of credit
  • Rates: 5–10%
  • Collateral options available

Bad Credit Rates: 5%–10% ($5,000–$10,000/year). Collateral and payment plans available to make bonding accessible to everyone.

How to Get a $100,000 Surety Bond

  • 1

    Apply Online

    Complete application with SSN for credit check. (if required)

  • 2

    Underwriting Review

    Good credit: Same-day quote. Bad credit: May take 24-48 hours.

  • 3

    Purchase & Delivery

    Pay premium, receive bond via email same day.

  • 4

    File with Obligee

    Submit to licensing authority.

$100,000 Surety Bond FAQs

How much does a $100,000 surety bond cost?
The cost will depend on the applicant’s creditworthiness and sometimes financial statements (if required).
Can I get a $100,000 bond with bad credit?
Yes. We can approve most bad credit applicants. Rates are 5-10% with options for collateral available.
How long does it take to get approved?
Good credit applicants receive same-day approval. Bad credit applications could take 24-48 hours for underwriting review.
Do I pay the full $100,000?
No. You only pay a small annual premium. The $100,000 is the maximum coverage the surety will pay if there’s a valid claim.
Are multi-year bonds available?
Yes. 2-year and 3-year terms save 15-30% compared to annual renewals.
What if someone files a claim?
The surety investigates and pays valid claims up to $100,000. You must reimburse the surety for claim payments plus fees.