How Much Does Car Dealer Insurance and a Surety Bond Cost in MO & KS?

When starting or renewing an independent auto dealership in Missouri or Kansas, budgeting for compliance and insurance is essential. Two primary financial obligations required by state licensing boards are your Garage Liability Insurance and your Auto Dealer Surety Bond.

Typical Annual Cost Summary

Coverage Line	Coverage Amount	Estimated Premium
MO Dealer Surety Bond	$50,000 – $100,000	$300 – $750 / yr
KS Dealer Surety Bond	$30,000	$300 – $700 / yr
Garage Liability Policy	$100,000	$2,300 – $3,500 / yr
Garagekeepers Protection	$100,000	$800 – $1,700 / yr (Subject to Change)

*Estimated pricing only. Actual premiums depend on underwriting, loss history, and risk factors.