TN automobile club bonds.
$200 flat.
Tennessee requires every automobile club or association to file a $20,000 bond with the Department of Commerce & Insurance to hold a certificate of authority. Ours is $200 flat — the price you see is the checkout price. The bond issues the moment you pay — no credit review of any kind, not even a soft pull.
Trusted by industry leaders
Three steps. One sitting.
License bonds are the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That's the application — no financials, no credit section, no follow-up scavenger hunt.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File for your certificate of authority
Your executed bond arrives by email, ready to file with your certificate-of-authority application or renewal at Commerce & Insurance. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
An automobile club bond is a member-protection guarantee. Auto clubs sell prepaid roadside, towing, legal-defense, and travel benefits — Tennessee wants a financial backstop that the club delivers the services it promises and complies with the law governing it.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of Tennessee (the obligee), with your members as the protected parties. If a club fails to honor its obligations under the chapter, harmed members can recover against the bond.
The bond must stay active for the life of your certificate of authority. Tennessee also requires the surety to give the Commissioner 90 days’ written notice before cancelling — so we track the filing and notify you 60 and 30 days out, keeping your $20,000 bond continuous.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — the application collects no credit information, because this bond doesn't need any.
Start the application →Common questions.
Other Tennessee bonds.
Finish your certificate-of-authority checklist today.
$200 flat, no credit review, bond often issued in the same sitting. Free until issued.