MS automobile club bonds.
$150 flat.
Mississippi bars an automobile club from rendering — or even agreeing to render — club service until it has deposited and thereafter continuously maintained $15,000 in security with the Commissioner of Insurance under Miss. Code Ann. § 83-11-207. Filed as a surety bond, the price is $150 flat, and the number you see is the number at checkout. The application collects no credit information.
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Three steps. One sitting.
A statutory-amount licensing bond is about the simplest thing in surety. Here is the entire process:
Apply online
Club details, an effective date, and the term you want. That is the whole application — no financials, no credit section, no follow-up scavenger hunt.
Pay & e-sign
Statutory-amount bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File with the Insurance Department
Your executed bond and power of attorney arrive by email, ready to file with your automobile club licensing packet or annual renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the automobile club bond actually guarantees
Mississippi regulates motor clubs through the Automobile Club Services Law, Miss. Code Ann. §§ 83-11-201 through 83-11-247, and administers it through the Mississippi Insurance Department rather than a motor-vehicle agency. A club that promises members road service and related benefits for consideration is, in the statute’s eyes, selling a service contract the state wants backed before the first membership is sold.
So § 83-11-207 puts a condition in front of the business: no automobile club may render or agree to render service without first depositing, and thereafter continuously maintaining, $15,000 in security with the Commissioner. The security can take one of three forms — cash, a surety bond written by a company authorized to do business in Mississippi, or securities the Commissioner approves. Most clubs file the bond, because the other two forms park $15,000 of working capital with the state indefinitely.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of Mississippi through the Commissioner of Insurance (the obligee), with club members as the protected parties. It is not insurance for you — if the surety pays a claim, you repay the surety. And it is a continuing obligation rather than a one-time filing: if the security is ever impaired it must be restored within 30 days of the Commissioner’s written demand, and the bond runs until the Commissioner releases the surety. The Department’s company calendar lists the automobile club renewal at April 1, so keep the filing unbroken through each renewal.
You need this bond if you are
One application, issued instantly.
These are the actual issuing fields — no credit section, because this application does not collect credit information.
Start the application →Common questions.
Other Mississippi bonds.
File your automobile club security today.
$150 flat, a $15,000 penal sum, and the bond is often issued in the same sitting. Free until issued.