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Maryland driver education bonds.
$400 flat.

Maryland licenses driving schools through the Motor Vehicle Administration, and Transportation Article § 15-705 is blunt about the order of operations: after the MVA approves your application and before it issues the license, you file a $40,000 surety bond. Ours is $400 flat. The application includes a credit consent, but it authorizes a soft credit pull only.

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Required before the MVA issues a drivers' school license — Md. Code, Transp. § 15-705
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Fixed price, fixed amount — $40,000 bond, $400, no quote round-trip
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Must be continuously in force for the life of the school license under COMAR 11.23
A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available
Trusted by industry leaders
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New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
Price

How much does a Maryland driver education bond cost?

$400 at the $40,000 amount, the same for every applicant.

How it works

Three steps. One sitting.

The bond is usually the last item on the MVA's checklist, sitting between an approved application and a wall license. Here is the entire process:

NOW · ONLINE

Apply online

School details, officers, an effective date, and a term. No financial statements are attached — the credit consent in the form authorizes a soft inquiry only.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $400 flat, so it issues the moment you pay. Your executed bond and power of attorney generate on the spot.

SAME DAY

File with the MVA

Send the executed bond to MVA Driver Instructional Services with your school license packet, on the bond form the MVA approves. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

Maryland licenses drivers' schools — the businesses that deliver the 30 hours of classroom and 6 hours of behind-the-wheel instruction the state requires of new drivers — through the Motor Vehicle Administration. Title 15, Subtitle 7 of the Transportation Article governs the license, and § 15-705 conditions its issuance on a surety bond in the form and with the surety the Administration approves.

It is a three-party arrangement: the school (the principal), the surety carrier, and the Administration (the obligee), with students and their families as the protected parties. The practical case for it shows up when a school closes mid-course: the MVA credits students for training already completed, and students recover the fees they paid for training they never received by filing a claim against the school’s surety bond, with receipts and student records as proof.

It is not insurance for the school — if the surety pays a claim, the school repays the surety. COMAR 11.23 requires the bond to be maintained continuously in force in the amount § 15-705 sets, so a lapse puts the license at risk. Maryland school licenses run on a two-year cycle and renewals are due at the MVA no later than 15 days before the wall license expires; we track the term and send renewal notices 60 and 30 days out.

Md. Code, Transp. § 15-705Transportation Article § 15-705 provides that after the Administration notifies an applicant of the approval of an application and before the Administration issues a license, the applicant shall file with the Administration a surety bond in the form and with the surety that the Administration approves, and that the amount of the surety bond shall be $40,000. The implementing regulations in COMAR 11.23 (Drivers' Schools, Instructors, and Driver Education Program) require a licensed drivers' school — and a certified school — to maintain a surety bond continuously in force in the amount set forth in § 15-705. The bond is filed with MVA Driver Instructional Services along with the DE-001 school license application, fire-safety certification, zoning approval, criminal-record request, workers' compensation and general liability proof, instructor credentials, and vehicle documentation. Confirm the current bond form and filing address with Driver Instructional Services before you send it.

You need this bond if you're

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Applying for a Maryland drivers' school license — the bond is filed after approval, before issuance
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Renewing a school license whose two-year wall license is coming up for expiry
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Opening an additional school location that needs its own license and bond on file
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Reinstating a lapsed license after a bond was cancelled or non-renewed
After you buy

Claims, renewal, filing, and what sets the price.

If a claim is made

A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.

The surety investigates and pays a valid claim, up to the $40,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.

Renewal and term

The premium covers a one-year term from the effective date you choose; a longer term is the same price per year, chosen at checkout.

Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.

How to file it

File with the MVA. Send the executed bond to MVA Driver Instructional Services with your school license packet, on the bond form the MVA approves. Wet-ink original mailed on request.

What sets the price

The premium is fixed at $400 at the $40,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.

One soft credit pull, never a hard inquiry, and it never affects your score.

Where a check runs, it decides approval; the rate is the same for everyone approved.

One application, issued instantly.

These are the actual issuing fields — school and officer details, an effective date, and a term. The credit consent in the form authorizes a soft inquiry only.

Start the application →
FAQ

Common questions.

How much is the Maryland driver education program bond?The premium is $400 flat — set by our carrier's rate book for this bond, the same for every school. The $40,000 bond amount is fixed by Transportation Article § 15-705, so there is no quote process.
Do I pay the $40,000?No. You pay $400. The $40,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.
How fast will I have the bond?This bond is checkout-priced, so it issues the moment you pay. Your e-signed bond and power of attorney arrive by email, ready to file with MVA Driver Instructional Services.
Is there a credit check?Yes: one soft credit pull, never a hard inquiry, and it never affects your score. No hard inquiry ever runs on this bond, and the price stays $400 flat either way.
What happens to the bond if my school closes?It is exactly what the bond is for. The MVA gives students credit for training they completed and directs them to file a claim with the surety company that issued the school bond, using receipts and student records, to recover fees paid for training they never received. A closing school also has to send three years of student records to the MVA and refund customers.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
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