Bond data
Surety Bond Cost Index
What surety bonds cost, by bond type and state. Bond amounts come from state statute; premium ranges come from our own quote and application data plus published market rates.
Quick answer
Surety bond premiums run about 1% to 15% of the bond amount per year. The bond amount itself is set by the state or obligee, not the surety: across the bonds and states in this index, statutory amounts range from a few thousand dollars to several hundred thousand. Standard credit lands near the low end of the rate band; below-standard credit toward the high end. Final premium is set by underwriting.
Data as of 2026-06-17. Methodology v1. 52 states across 13 bond types with published statutory amounts.
Browse by bond type
| Bond | Premium rate band | States with statutory amount | |
|---|---|---|---|
| Payment & Performance | 1% to 15% | Amount set by obligee | View detail → |
| Performance | 1% to 15% | Amount set by obligee | View detail → |
| Bid | 1% to 15% | Amount set by obligee | View detail → |
| Construction | 1% to 15% | Amount set by obligee | View detail → |
| Remittance | 1% to 15% | Amount set by obligee | View detail → |
| ERISA | 1% to 15% | Amount set by obligee | View detail → |
| Business Services Bond | 1% to 15% | Amount set by obligee | View detail → |
| Blanket | 1% to 15% | Amount set by obligee | View detail → |
| Employee Dishonesty | 1% to 15% | Amount set by obligee | View detail → |
| Mortgage Banker | 1% to 15% | 52 | View by state → |
| Mortgage Broker | 1% to 15% | 52 | View by state → |
| Mortgage Lender | 1% to 15% | 52 | View by state → |
| Mortgage Loan Originator | 1% to 15% | 52 | View by state → |
| Mortgage Servicer | 1% to 15% | 52 | View by state → |
| Insurance Adjuster | 1% to 15% | Amount set by obligee | View detail → |
| Public Official | 1% to 15% | Amount set by obligee | View detail → |
| Private | 1% to 15% | Amount set by obligee | View detail → |
| Court | 1% to 15% | Amount set by obligee | View detail → |
| Debt CollectorCollection Agency | 1% to 15% | 52 | View by state → |
| Credit Service Organization | 1% to 15% | 26 | View by state → |
| Debt Settlement | 1% to 15% | Amount set by obligee | View detail → |
| Money Transmitter BondBond, not License | 1% to 15% | 52 | View by state → |
| Notary | 1% to 15% | 51 | View by state → |
| Subdivision | 1% to 15% | 48 | View by state → |
| Lender | 1% to 15% | Amount set by obligee | View detail → |
| Installment Loan Lender | 1% to 15% | Amount set by obligee | View detail → |
| Small Loan Lender | 1% to 15% | Amount set by obligee | View detail → |
| Payday Lender | 1% to 15% | Amount set by obligee | View detail → |
| Supervised Lender | 1% to 15% | Amount set by obligee | View detail → |
| Consumer Discount Company | 1% to 15% | Amount set by obligee | View detail → |
| Sales Finance Company | 1% to 15% | Amount set by obligee | View detail → |
| Student Loan Servicer | 1% to 15% | Amount set by obligee | View detail → |
| Money Lender | 1% to 15% | Amount set by obligee | View detail → |
| Motor Vehicle Dealer | 1% to 15% | 51 | View by state → |
| Freight BrokerBMC-84 | 1% to 15% | Amount set by obligee | View detail → |
| Auctioneer | 1% to 15% | 17 | View by state → |
| Contractor License | 1% to 15% | 51 | View by state → |
How we built this
Bond amounts are statutory: each state, court, or obligee sets the required amount, so those figures are sourced from our maintained state-law dataset, not estimated. The premium is what you pay to be bonded, charged as a percentage of the bond amount and set by underwriting.
Premium-rate bands (1% to 15% of the bond amount per year, depending on credit) reflect typical Cornerstone Surety market rates. Where we have enough of our own quote and application data for a given bond and state, we publish a proprietary aggregate range instead. We only publish an aggregate cell once it covers at least 25 records, and we publish ranges only, never an individual quote or any customer figure.
These are estimated ranges, not quotes. Final premium is set by underwriting and depends on the bond amount, your credit and financials, the bond class, and the obligee. A firm number takes a short application.
Cite or embed this data
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<p style="font-size:12px">Source: <a href="https://cornerstonesuretybonds.com/bonds/cost-index">Surety bond cost index, Cornerstone Surety Bonds</a></p>Writing about bond costs? The newsroom has company boilerplate, sourced quotable stats, logos, and a direct media contact. For the structural analysis behind this data, read the quarterly State of Surety Bond Requirements report.