MD motor club bonds.
$1,000 flat.

No one may provide motor club service in Maryland without a licence from the Maryland Insurance Administration, and Insurance Article § 26-204 requires security behind that licence — U.S. government bonds, a letter of credit, or a corporate surety bond in a penal sum of not less than $100,000. This page writes the $100,000 bond at $1,000 flat, the price you see is the checkout price, and the credit consent in the application authorizes a soft pull only.

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Required of a licensed Maryland motor club under Md. Code, Ins. § 26-204

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Fixed price, fixed amount — $100,000 bond, $1,000, no quote round-trip

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Runs in favour of the State for your Maryland members — not a deposit you fund yourself

A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available

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How it works

Three steps. One sitting.

The security filing is the gating item on most motor club licence applications and December renewals. Here is the entire process:

NOW · ONLINE

Apply online

Club details, the serial number on your filing, an effective date, and a term. No financial statements are attached — the credit consent authorizes a soft inquiry only.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $1,000 flat, so it issues the moment you pay. Your executed bond and power of attorney generate on the spot.

SAME DAY

File with the MIA

Send the executed bond to the Company Licensing Unit at the Maryland Insurance Administration on the form the Commissioner requires. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

A motor club is the business behind roadside assistance, towing reimbursement, map and trip service, bail bond and legal-fee benefits, and the other membership services Maryland groups under Insurance Article Title 26. A person may not provide motor club service or engage in the business of a motor club in the State without a licence from the Maryland Insurance Administration, and the licence carries a financial-responsibility filing on top of the § 26-202 capital and surplus minimums.

Section 26-204 gives three ways to satisfy it: registered United States government bonds with a market value of at least $100,000, a corporate surety bond in a penal sum of at least $100,000, or a letter of credit for at least $100,000 — each deposited with the State Treasurer, and each subject to the Commissioner’s discretion to accept a lower figure down to a $15,000 floor. The surety bond is the option that does not tie up a six-figure balance.

The bond runs in favour of the State for the club’s Maryland members and is conditioned on the faithful performance of the club’s obligations under Title 26, including payment of any fines, fees, penalties, or restitution ordered. It is not insurance for the club — if the surety pays, the club repays the surety. Motor club licences expire annually on 31 December, and § 26-204 requires the security to be maintained as long as the licensee has any outstanding liability or obligation in the State.

Md. Code, Ins. § 26-204Insurance Article § 26-204 requires an applicant for a motor club licence to deposit with the State Treasurer registered United States government bonds with a market value at all times of not less than $100,000 (or, in the discretion of the Commissioner, a lower amount not less than $15,000), a corporate surety bond in the form the Commissioner requires in a penal sum not less than $100,000 (same discretion, same $15,000 floor), or a letter of credit in the form the Commissioner requires in an amount not less than $100,000 (same discretion). The bond or letter of credit must be in favour of the State for the members of the applicant that reside in the State, issued by a surety insurer or bank authorised to do business in the State, and conditioned on the faithful performance by the applicant of its obligations under Title 26, including payment of any fines, fees, or penalties imposed on it or restitution ordered. The security must be maintained as long as the licensee has any outstanding liability or obligation in the State. Related requirements: § 26-202 sets minimum capital stock of $5,000 and minimum surplus of $10,000, and the licence expires annually on 31 December. The Company Licensing Unit at the Maryland Insurance Administration administers the filing.

You need this bond if you're

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Applying for a Maryland motor club licence — the security is filed with the application

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Renewing before 31 December and need a fresh bond or a certificate of continuation

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Replacing a securities deposit with a surety bond so the cash comes back

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A roadside assistance or towing-benefit membership programme that meets the Title 26 definition of a motor club

One application, issued instantly.

These are the actual issuing fields — club details, the serial number on your filing, an effective date, and a term. The credit consent authorizes a soft inquiry only.

Start the application →

FAQ

Common questions.

How much is the Maryland motor club bond?The premium is $1,000 flat — set by our carrier's rate book for the $100,000 bond, the same for every motor club. The penal sum is set by Insurance Article § 26-204, so there is no quote process.

Do I pay the $100,000?No. You pay $1,000. The $100,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money. Avoiding a six-figure deposit is the whole point of using a bond here.

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 the Company Licensing Unit at the Maryland Insurance Administration.

Is there a credit check?The application includes a credit consent, but it authorizes a soft credit pull only — a soft inquiry that never affects your score. No hard inquiry ever runs on this bond, and the price stays $1,000 flat either way.

Can the Commissioner accept less than $100,000?Yes. Section 26-204 lets the Commissioner accept a lower amount in his or her discretion, but not below $15,000. Most clubs file at the $100,000 figure the statute names first; if your licence file says otherwise, tell us the sum and we will write the bond to match.

Related bonds

Other Maryland bonds.

Satisfy § 26-204 without the deposit.

$1,000 flat, issued the moment you pay, soft pull only. Free until issued.

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Your price$1,000

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MD motor club bonds.$1,000 flat.