Utah requires bonds for all licensed contractors through the Division of Occupational & Professional Licensing. SuretyBond Simple makes it fast and easy to get bonded in Utah — with competitive rates, same-day approvals, and no hidden fees.
Common Utah Surety Bonds
Here are the most frequently required surety bonds in Utah:
Contractor License Bond
Required for licensed contractors in Utah through the Utah Division of Occupational & Professional Licensing.
Motor Vehicle Dealer Bond
Required by the Utah DMV for all licensed motor vehicle dealers in Utah.
Notary Bond
Required by the UT Lieutenant Governor's Office for all notaries public in Utah.
Freight Broker Bond (BMC-84)
Federally required by the FMCSA for all licensed freight brokers operating in Utah and nationwide.
Mortgage Broker Bond
Required for licensed mortgage brokers and loan originators operating in Utah.
License & Permit Bond
Various Utah business licenses and permits require a surety bond as part of the licensing process.
Utah Bond Requirements at a Glance
| Bond Type | Bond Amount | Issuing Agency | Term |
|---|---|---|---|
| Contractor License Bond | $10,000–$15,000 | Utah Division of Occupational & Professional Licensing | Annual |
| Motor Vehicle Dealer Bond | $75,000 | Utah DMV | Annual |
| Notary Bond | $5,000 | UT Lieutenant Governor's Office | Multi-Year |
| Freight Broker Bond (BMC-84) | $75,000 | FMCSA (Federal) | Annual |
| Mortgage Broker Bond | $25,000–$75,000 | Utah Dept. of Financial Regulation | Annual |
How Much Does a Utah 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 Utah
Identify Your Bond Requirement
Find out which bond you need, the required amount, and the issuing agency in Utah.
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 Utah license application.
Utah Surety Bond FAQ
How much does a surety bond cost in Utah?
Utah 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 Utah 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 Utah?
Most standard Utah surety bonds can be issued same day. Submit your application and receive your bond certificate within hours.
Do I need to renew my Utah surety bond?
Most surety bonds in Utah 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.
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