Montana requires contractor bonds for all licensed contractors through the Dept. of Labor & Industry's Building Codes Bureau. SuretyBond Simple makes it fast and easy to get bonded in Montana — with competitive rates, same-day approvals, and no hidden fees.
Common Montana Surety Bonds
Here are the most frequently required surety bonds in Montana:
Contractor License Bond
Required for licensed contractors in Montana through the Montana Dept. of Labor & Industry.
Motor Vehicle Dealer Bond
Required by the Montana MVD for all licensed motor vehicle dealers in Montana.
Notary Bond
Required by the MT Secretary of State for all notaries public in Montana.
Freight Broker Bond (BMC-84)
Federally required by the FMCSA for all licensed freight brokers operating in Montana and nationwide.
Mortgage Broker Bond
Required for licensed mortgage brokers and loan originators operating in Montana.
License & Permit Bond
Various Montana business licenses and permits require a surety bond as part of the licensing process.
Montana Bond Requirements at a Glance
| Bond Type | Bond Amount | Issuing Agency | Term |
|---|---|---|---|
| Contractor License Bond | $10,000 | Montana Dept. of Labor & Industry | Annual |
| Motor Vehicle Dealer Bond | $50,000 | Montana MVD | Annual |
| Notary Bond | $10,000 | MT Secretary of State | Multi-Year |
| Freight Broker Bond (BMC-84) | $75,000 | FMCSA (Federal) | Annual |
| Mortgage Broker Bond | $25,000–$75,000 | Montana Dept. of Financial Regulation | Annual |
How Much Does a Montana Surety Bond Cost?
You never pay the full bond amount — you pay a small annual premium, typically 1%–15% of the bond amount. Your rate depends primarily on your credit score:
| Credit Score | Typical Rate | $25,000 Bond | $50,000 Bond |
|---|---|---|---|
| 750+ (Excellent) | 0.5%–2% | $125–$500/yr | $250–$1,000/yr |
| 700–749 (Good) | 1%–3% | $250–$750/yr | $500–$1,500/yr |
| 650–699 (Fair) | 2%–5% | $500–$1,250/yr | $1,000–$2,500/yr |
| 600–649 (Average) | 4%–8% | $1,000–$2,000/yr | $2,000–$4,000/yr |
| Below 600 (Poor) | 7%–15% | $1,750–$3,750/yr | $3,500–$7,500/yr |
Use our Bond Cost Calculator for a personalized estimate.
How to Get a Surety Bond in Montana
Identify Your Bond Requirement
Find out which bond you need, the required amount, and the issuing agency in Montana.
Submit Your Application
Fill out our simple online form — takes less than 5 minutes. No hard credit pull required for most bonds.
Receive Your Quote
We shop across multiple A-rated carriers to find you the best rate. Most quotes are delivered same day.
Get Your Bond Certificate
Once approved, we issue your bond certificate digitally so you can complete your Montana license application.
Montana Surety Bond FAQ
How much does a surety bond cost in Montana?
Montana surety bond premiums typically range from 1%–15% of the bond amount, based on your credit score and bond type. Applicants with good credit (700+) generally qualify for rates of 1%–3%.
Can I get a Montana surety bond with bad credit?
Yes. Surety programs are available for all credit levels. You'll pay a higher premium (7%–15%), but bonds are available to almost everyone.
How fast can I get bonded in Montana?
Most standard Montana surety bonds can be issued same day. Submit your application and receive your bond certificate within hours.
Do I need to renew my Montana surety bond?
Most surety bonds in Montana are annual and must be renewed each year to keep your license active. We'll notify you before your bond expires.
Will applying for a bond affect my credit score?
Most surety companies perform a soft credit pull, which does NOT affect your credit score. Hard inquiries are rare and only used for very large bonds.
Ready to Get Your Montana Surety Bond?
Free, no-obligation quote in minutes. Same-day approval available for most Montana bonds.
Get My Free Montana Bond Quote →