How Much Does a $50,000 Surety Bond Cost?

A $50,000 surety bond costs $250 to $5,000 per year (1% to 10% of the bond amount).
Applicants with good credit typically pay $250-$1,500 annually, while those with challenged credit pay $2,500-$5,000.

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Pricing Breakdown

$50,000 Surety Bond Cost by Credit Score

Rate Type Percentage
Standard Rate 1% – 3%
Substandard Rates 3% – 10%

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

Common Bonds Requiring $50,000

🚗

Auto Dealer Bonds

Required in CA, NC, VA, NY for motor vehicle dealers.

🏡

Mortgage Broker Bonds

Required in OR, MD, NV for ethical mortgage practices.

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DMEPOS Bonds

Federal requirement for medical equipment suppliers.

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Contractor License Bonds

Required in IL, OH, OR, UT for larger contractors.

New Jersey Home Improvement or Home Elevation Contractor Bond

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Public Adjuster Bonds

Required in FL, IL, LA, MS, TN

What You Actually Pay for a $50,000 Bond

Important: The $50,000 is NOT what you pay. It’s the maximum coverage.

  • 💰

    Bond Amount: $50,000

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

  • ✅

    Premium (What You Pay):

    Small percentage based on credit.

Getting a $50,000 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

How to Get a $50,000 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.

$50,000 Surety Bond FAQs

How much does a $50,000 surety bond cost?
A $50,000 surety bond cost depends on the credit score and bond type.
Can I get a $50,000 bond with bad credit?
Yes. We can approve most credit applicants. While rates are higher (5-10%), we offer collateral options, to reduce costs.
What bonds require $50,000?
Common $50,000 bonds include auto dealer bonds, mortgage broker bonds, DMEPOS supplier bonds, insurance adjuster bonds, contractor license bonds, and telemarketer bonds in various states.
How long does it take to get approved?
Qualified applicants with good credit receive same-day approval and bond delivery. Bad credit applications typically take 24-48 hours for underwriting review.
Do I pay the full $50,000?
No. You only pay a small annual premium (1%-10% of $50,000). The $50,000 is the maximum coverage amount the surety will pay if there’s a valid claim against your bond.
Are multi-year terms available?
Yes. 2-year and 3-year terms typically save 15-30% compared to annual renewals. This also reduces administrative burden and renewal paperwork.
What if someone files a claim against my bond?
The surety investigates and pays valid claims up to $50,000. You must then reimburse the surety for the claim amount plus fees. Claims can affect future bonding and your license status.
Can I cancel and get a refund?
Cancellation policies vary by surety. Most allow pro-rated refunds if the bond hasn’t been filed. Once filed with the licensing board, refunds are typically not available.