Missouri Dealer Surety Bonds: Amounts, Costs, and Approval

Understand Missouri Department of Revenue ($50K vs. $100K) dealer bond rules, annual premium costs, and how to get issued quickly.

Under Missouri Revised Statutes (RSMo 301.560), all licensed used and wholesale car dealers must maintain an active surety bond.

$50,000 vs. $100,000 Bond Amounts

• $50,000 Bond: Standard state requirement for most retail, wholesale, and powersports dealers.
• $100,000 Bond: Mandated if your dealership delivers vehicles directly to buyers under an agreement that the title transfers within 30 days, or for specific off-site auction events.

What Does a Missouri Dealer Bond Cost?

​You do not pay the full $50,000 or $100,000 penal sum. Instead, you pay an annual premium rate determined by your personal credit score:

Applicant Credit Score	$50,000 Bond Cost	$100,000 Bond Cost
Good Credit (700+)	$200–$300/yr	$500–$800/yr
Moderate Credit (600–699)	$400–$750/yr	$1,000–$1,500/yr
Subprime Credit (<600)	$750–$1,500/yr	$2,500–$6,000/yr

Get Bonded Today: Dealer Insurance Services LLC issues Missouri $50K and $100K dealer surety bonds with same-day filings. Call (816) 366-5026 or visit www.modealerins.com to lock in your rate!