Surety bonds • North Carolina
North Carolina Surety Bonds: Requirements and Costs by Bond Type
North Carolina requires surety bonds for motor vehicle dealers, for owners who need a bonded vehicle title, and for contractors on larger public construction projects. Dealers need $50,000 plus $25,000 for each additional location, title bonds equal 1½ times the vehicle’s value, and public construction bonds equal 100% of the contract. This guide lists the most common North Carolina bonds and what they cost.
Each bond links to a detailed guide with official sources. Blake Insurance Group is an independent agency licensed in North Carolina, and a licensed agent can help you find and file the bond you need.
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Common North Carolina surety bonds
| Bond | Who requires it | Required amount |
|---|---|---|
| Motor vehicle dealer bond | NCDMV | $50,000 plus $25,000 per additional location |
| Bonded title (indemnity) bond | NCDMV | 1½ times the vehicle’s value |
| Public construction performance and payment bonds | Public contracting bodies (G.S. 44A-26) | 100% of the contract |
Amounts are sourced in each linked guide.
Contractor bonds in North Carolina
North Carolina’s general contractor license does not come with a statewide license bond. Contractors most often need bonds on public projects, where N.C. Gen. Stat. § 44A-26 requires 100% performance and payment bonds on larger contracts, and through bid bonds on public bids.
Federal bonds North Carolina businesses often need
- Freight broker bond (BMC-84): $75,000, filed with FMCSA.
- ERISA bond: at least 10% of plan funds handled.
- Court and appeal bonds, set by the court.
What North Carolina bonds cost
Dealer bonds start around $250 to $300 a year for the main location, and many title bonds start around $100 for the three-year term. Contract bonds are priced as a percentage of the contract. See our surety bond cost guide or the surety bond cost calculator.
North Carolina surety bond FAQs
What surety bonds are required in North Carolina?
Common ones include the NCDMV dealer bond, bonded title bonds, and performance and payment bonds on public construction.
When are performance and payment bonds required in North Carolina?
When construction contracts for one project total more than $300,000 ($500,000 for state agencies), for each contract over $50,000.
How much is a North Carolina dealer bond?
$50,000 for the main location, plus $25,000 for each additional location.
Related guides
- North Carolina auto dealer bond
- North Carolina bonded title
- North Carolina public construction bond
- Ohio surety bonds
- New York surety bonds
- Florida surety bonds
- Surety bonds
- Surety bond cost
- Surety bond cost calculator
- Buy a surety bond online
- License and permit bonds
- North Carolina landscaping contractor insurance
- North Carolina HVAC contractor insurance
- North Carolina electrical contractor insurance
- North Carolina plumbing contractor insurance
- North Carolina roofing contractor insurance
- South Dakota surety bonds
- West Virginia surety bonds
- New Mexico surety bonds
- Nebraska surety bonds
- Kansas surety bonds
- Iowa surety bonds
- Oklahoma surety bonds
- South Carolina surety bonds
- Alabama surety bonds
- Tennessee surety bonds
- Washington surety bonds
- Michigan surety bonds
- Pennsylvania surety bonds
- New Jersey surety bonds
- Illinois surety bonds
- Georgia surety bonds
- Virginia surety bonds
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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