Surety Bond Cost Calculator
Estimate the cost of any Texas surety bond in seconds. A surety bond premium is a small percentage of the bond amount (the penal sum) — not the full amount. Pick your bond type, enter the amount, and see an instant estimate.
Surety Bond Costs by Type
- Texas Notary Bond: $50 flat for the full 4-year term ($10,000 bond)
- GDN Dealer Bond: from $250/yr for the $25,000 TxDMV bond (credit-based, most dealers pay $250–$500)
- Vehicle Title Bond: from $50 — bond equals 1.5x the vehicle's appraised value, 3-year term
- Contractor License Bond: typically 1–3% of the required bond amount per year (from $75/yr)
- Bid Bond: from $100 — usually 5–10% of your bid amount, often free with a performance bond commitment
- Performance & Payment Bond: 1–3% of the contract value, tiered lower for larger contracts
How Surety Bond Premiums Are Calculated
Three things drive your surety bond rate: the bond amount required by the obligee, the risk class of the bond type, and (for underwritten bonds) your credit. Flat-rate bonds like the Texas notary bond cost the same for everyone. Credit-underwritten bonds like dealer, contractor, and performance bonds are quoted as a percentage rate — better credit means a lower rate.
Frequently Asked Questions
- How much does a surety bond cost?
- Between 0.5% and 3% of the bond amount per year for most Texas license and contract bonds. Simple bonds are flat-rate: a Texas notary bond is $50 for 4 years, and title bonds start at $50.
- Do I pay the full bond amount?
- No. You pay only the premium — a small percentage. A $25,000 GDN dealer bond costs around $250–$500 per year, not $25,000.
- Is this calculator free?
- Yes — free, instant, and no credit check to see estimates. Final premium is confirmed at checkout or by a licensed agent.
- How fast can I get my bond after the estimate?
- Notary, dealer, and title bonds are issued same-day with the certificate emailed to you, usually within minutes of checkout.