Pennsylvania Surety Bonds

Surety Bond Requirements in PA

The Commonwealth of Pennsylvania requires many different types of surety bonds to allow professionals, contract workers, and companies to do business in the state.

NNA Surety Bonds can provide any type of license bond needed for professional licensure in Pennsylvania. The most common types of PA surety bonds today are required for motor vehicle dealers, finance companies, public adjusters, and title insurance agents.

The PA motor vehicle dealer bond is a must for anyone selling cars, trucks, motorcycles, and other motor vehicles in the state. Pennsylvania auto dealers who offer financing must also post a motor vehicle sales finance company bond.

In addition, we provide surety bonds for public adjusters, who are independent insurance adjusters working on behalf of clients. Title insurance agent bonds are also available through NNA Surety Bonds.

Get Your Pennsylvania Surety Bond


We offer the following surety bonds in the state of Pennsylvania:

Motor Vehicle Dealer Bond

A $20,000 coverage bond, the PA motor vehicle dealer surety bond is posted to ensure that the seller conducts business in compliance with the vehicle code and is liable up to the full amount of the surety bond. A typical annual premium is $120, but cost will vary depending on the applicant’s credit rating.

Motor Vehicle Sales Finance Company Bond

A company that sells motor vehicles and offers its customers installment payment plans in Pennsylvania must post a $10,000 motor vehicle finance company bond in order to be properly licensed.

This bond protects consumers from your company's failure to follow the rules and regulations of the Motor Vehicle Sales Finance Act.

Premium amounts vary based on underwriter reviews of the owner’s credit. Applicants with good credit can be approved for as little as 1% to 3% of the bond amount, or between $100 to $300.

Public Adjuster Bond

As a public adjuster, you must post a $20,000 public adjuster bond to make sure you adhere to state guidelines. In addition to following stipulations of the Pennsylvania Public Adjuster Licensing Law, the applicant must not embezzle, withhold, or otherwise fraudulently handle money.

Consumers are protected from financial losses that may occur as a result of a public adjuster violating terms of the bond agreement. The annual premium is $150.

Title Insurance Agent Surety Bond

Pennsylvania title insurance agents must post a $100,000 surety bond in order to do business in the Keystone State. Its cost will vary depending on the agent's credit rating. For those with a very good rating, the annual premium could be as low as $1,000.

As with all bonds, the purpose of the Pennsylvania title insurance bond is to promote ethical and lawful practices. Specifically, the bond protects consumers against financial losses resulting from the agent's failure to follow rules contained in the state’s insurance law, spelled out in P.L. 682, Act 79 of 1995, Section 726.1, of the Commonwealth of Pennsylvania.

Pennsylvania Surety Bond Costs
Bond Name Coverage Amount Cost
(Annual Premium)
Regulatory Authority
Motor Vehicle Dealer Bond $20,000 $120* Pennsylvania Department of Transportation
Motor Vehicle Sales Finance Company Bond $10,000 $100-$300* Pennsylvania Department of Banking and Securities
Public Adjuster Bond $20,000 $150 Pennsylvania Insurance Department
Title Insurance Agent Bond $100,000 $1,000* Pennsylvania Insurance Department

* Cost can vary depending on the bond amount required and your credit rating

Our knowledge of state bond requirements enables us to provide accurate quotes quickly. For guidance through the process of selecting surety bonds in Pennsylvania, whether you are starting a business or renewing an existing bond, talk to one of our experts today.

For faster service, call us at 855-215-2160
Monday to Friday, 6 a.m. to 5 p.m. (PT)