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Missouri $100k dealer bonds.
$1,000 flat.

Missouri dealers who deliver vehicles before transferring the certificate of ownership must file a $100,000 bond with the Department of Revenue under RSMo 301.560, instead of the standard $50,000. Ours is $1,000 flat — the price you see is the checkout price. A quick soft credit check may apply; the bond is issued when you pay.

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Required for deliver-before-title dealers — those who hand over a vehicle before the title is transferred
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Fixed amount, fixed price — $100,000 bond, $1,000, no quote theater
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A quick soft credit check may apply — never a hard inquiry, never affects your score, and the price stays $1,000 either way
A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
How it works

Three steps to licensed.

Your dealer license is waiting on this bond. Here’s the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with the Department of Revenue

Pay online and receive the executed bond on the state-approved form, ready to file with your dealer license application. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

Most Missouri dealers post a $50,000 bond. But under RSMo 301.560, a dealer who delivers a motor vehicle to a purchaser before the certificate of ownership is transferred must instead file a $100,000 corporate surety bond (or irrevocable letter of credit) with the Department of Revenue. The larger amount reflects the added risk to buyers when possession changes hands ahead of title.

The bond is conditioned on compliance with the dealer statutes and is an indemnity for any loss caused by acts that would be grounds to suspend or revoke the license — clear title, proper handling of customer funds, and honest dealing. Harmed buyers and the state can recover against it.

It is a three-party guarantee, not insurance for you: if the surety pays a claim, you repay the surety. If you don’t deliver vehicles before title transfer, you likely need the standard $50,000 bond instead — see our $50,000 dealer page.

RSMo 301.560Section 301.560, RSMo requires a $50,000 corporate surety bond or irrevocable letter of credit for most motor vehicle and boat dealers, and a $100,000 bond for any dealer who delivers vehicles to purchasers before transferring the certificate of ownership. The bond is filed on a form approved by the Department of Revenue. Confirm which amount applies to your operation.

You need this bond if you are

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A dealer who delivers before title transfer — the trigger for the $100,000 amount
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Renewing a $100,000 dealer bond that is expiring or was non-renewed
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Changing your delivery practices in a way that moves you to the higher bond
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Directed by the Department of Revenue to post the $100,000 bond for your license

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →
FAQ

Common questions.

Do I pay the $100,000?No. You pay $1,000 — the flat price for the bond. The $100,000 is the surety’s maximum liability; it’s not a deposit, and nobody holds your money.
When is the $100,000 bond required instead of $50,000?When a dealer delivers a vehicle to a purchaser before the certificate of ownership is transferred. RSMo 301.560 sets the higher $100,000 amount for that practice; everyone else posts $50,000.
Who requires this bond?The Missouri Department of Revenue, as a condition of a motor vehicle or boat dealer license under RSMo 301.560. No active bond, no license.
Is there a credit check?A quick soft credit check may apply — never a hard inquiry, and it never affects your score. It informs approval, not price. The price is $1,000 either way.
When does it renew?Terms run 1, 2, or 3 years — your choice at purchase. You’ll get renewal notices 60 and 30 days before expiration, with autopay available, and the bond must stay active for your license to stay valid.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
Same family

Other Missouri motor vehicle dealer bonds.

Not sure this is the one your license calls for? These are the other motor vehicle dealer bonds we write in Missouri. Each has its own statute and bond amount.

Related bonds

Other Missouri bonds.

The Department of Revenue is waiting on one document.

$1,000 flat, short application, bond issued when you pay. Free until issued.

Your price$1,000
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