Missouri title service bonds.
$250 flat.

Missouri requires a registered motor vehicle title service — a business that handles title and registration paperwork for others — to file a $25,000 bond with the Department of Revenue. Ours is $250 flat — the price you see is the checkout price. The application collects no credit information.

✓

Required to register a motor vehicle title service with the Missouri Department of Revenue

✓

Fixed amount, fixed price — $25,000 bond, $250, no quote process

✓

No credit section in the application — most applications approve instantly

A-ratedA.M. Best carriersInstantunderwriting process1–3 yrterms available

Trusted by industry leaders

How it works

Three steps. One sitting.

Title service bonds are among the simplest things in surety. Here’s the entire process:

NOW · ONLINE

Apply online

Business details and an effective date. That’s the application — no financials, no credit section, no follow-up scavenger hunt.

MINUTES, USUALLY

Pay & e-sign

Fixed-amount license bonds like this are among the thousands of bond types that issue right after purchase.

SAME DAY

File with the Department of Revenue

Your executed bond arrives by email, ready to file with your title-service registration. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the title service bond actually guarantees

A motor vehicle title service is a business that processes title and registration paperwork on behalf of others — dealers, fleets, and the public — handling certificates of ownership and the fees that go with them. Missouri requires these businesses to register with the Department of Revenue and post a $25,000 surety bond.

The bond is a consumer-protection guarantee: it stands behind the honest handling of titles, registrations, and the money that passes through a title service. If the business commits fraud, mishandles documents, or fails to remit fees, the harmed customer or the state can recover against the bond.

It is a three-party arrangement, not insurance for you: you (the principal), the surety carrier, and the State of Missouri (the obligee), with your customers protected. If the surety pays a claim, you repay the surety.

Missouri Department of Revenue — title service registrationMissouri requires a motor vehicle title service business to register with the Department of Revenue and file a $25,000 surety bond as a condition of registration, guaranteeing the lawful and honest handling of titles, registrations, and fees. Confirm the current registration requirements and bond form with the Department of Revenue before filing.

You need this bond if you are

✓

Registering a motor vehicle title service with the Missouri Department of Revenue

✓

Processing titles and registrations for others as a standalone service business

✓

Renewing a title-service registration whose bond is expiring or was non-renewed

✓

Adding a title-service line to a dealership or fleet operation

One application, issued instantly.

These are the actual issuing fields — no credit section, because the application doesn’t collect credit information.

Start the application →

FAQ

Common questions.

How much is the Missouri title service bond?The premium is $250 — a flat price for the fixed $25,000 bond amount, the same for every title service. The $25,000 is fixed, so there is no quote process.

Do I pay the $25,000?No. You pay $250. The $25,000 is the surety’s maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

Is there a credit check?The application has no credit section at all — most applications approve instantly.

Who requires it?The Missouri Department of Revenue requires it to register a motor vehicle title service business. Confirm the current registration steps and bond form with the Department of Revenue.

When does it renew?You can buy a 1, 2, or 3-year term. The bond must stay active for your registration to remain valid; we send renewal notices 60 and 30 days out, with autopay available.

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.

Related bonds

Other Missouri bonds.

Title service bond, issued today.

$250 flat, no credit review, bond often issued in the same sitting. Free until issued.

Start application

Your price$250

Apply now →