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The cost of a $25,000 varies mostly based on the applicant’s credit score. Usually, applicants with a FICO of 650 or more pay an annual premium of 0.75% to 2.5% or between $187 and $625. Applicants with credit issues can expect premiums in a range between 2.5% to 10%, i.e. annual payments between $625 and $2,500.

Contract bonds are usually the exception, because underwriters consider them as high-risk bonds and therefore often give quotes in excess of 10%.

$25,000 surety bond cost

Take a look at the table below where bond premiums are divided based on the credit bracket the applicant is in.

Surety Bond Cost by Credit Score
Surety Bond Amount Above 700 Between 650-699 Between 600-649 Below 599
$25,000 $187,5-$375 $250-$625 $625-$1,250 $1,250-$2,500

If your credit score is raising your premium too much, you can submit additional details which can strengthen your application. Our How Much Does a Surety Bond Cost? guide contains some valuable tips which can substantially reduce your bonding cost.

How to get a $25,000 surety bond if you have bad credit

Applicants with bad credit pay higher premiums, because surety bond companies perceive them as higher risk. If a holder of a surety bond triggers a claim, the surety is legally responsible too. For this reason some underwriters may refuse to get a bad credit applicant bonded.

To help our clients overcome their credit difficulties, we created the Bad Credit Program. In our experience, 99% of applicants can still get their bond thanks to it. Two exceptions are applicants with open bankruptcies or late child support payments.

Most Common $25,000 Surety Bonds

Auto Dealer Bonds

$25,000 is commonly required security for auto dealer bonds in states such as Texas, Florida, Alabama and Massachusetts.

Contractor License Bonds

Georgia, California and Texas are among the states which require that contractors obtain a $25,000 surety bond which will make sure their clients are protected against fraud and unethical business practices.

Seller of Travel

Florida requires travel agencies to procure a surety in an amount between $25,000 and $50,000 depending on the type of travel they offer.

Mortgage Broker Bonds

Many state governments safeguard the interest of homebuyers by requiring mortgage brokers to get bonded with a $25,000 surety bond. Among them are Texas, California, Ohio and Oregon.

About the author:
Todd Bryant
Todd Bryant is a graduate of Germantown Academy and the University of Pittsburgh College of Business Administration Honors College. He has been President of Bryant Surety Bonds, Inc., an A+ rated Business with the Better Business Bureau, since 2007. Licensed as a producer with the Department of Insurance, he has been published in the National Association of Surety Bond Producers newsletter and on numerous authoritative publications such as The Washington Post,, and many more.

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