North Carolina motor club bonds.
$500 flat.
No motor club can sell memberships in North Carolina without a license from the Commissioner of Insurance, and G.S. 58-69-10 makes a $50,000 bond in favor of the State of North Carolina — filed with the Commissioner alongside the $600 annual license fee — one of the conditions of getting one. Ours is $500 flat, and the price you see is the checkout price.
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How much does a North Carolina motor club bond cost?
$500 at the $50,000 amount, the same for every applicant.
Three steps. One sitting.
The Department of Insurance will not open your license file without the bond, so this is usually the first thing a motor club buys. The whole process:
Apply online
Entity details, the effective date and the term you want. That is the application. No credit check.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase.
File with the Commissioner
Your executed bond and power of attorney arrive by email, ready to file with the Department of Insurance alongside the license application, the $600 annual fee and — for a first-time applicant — the audited financial statement G.S. 58-69-10(1a) calls for. Wet-ink original mailed on request.
What it is and who needs it.
What the motor club bond actually guarantees
North Carolina treats motor clubs as an insurance-adjacent business and regulates them through the Department of Insurance, not the DMV. Under G.S. 58-69-2, you are a motor club if — in exchange for dues, assessments or periodic payments — you promise members help with the ownership, operation, use or maintenance of their vehicles by rendering three or more named services: automobile theft reward, bail or cash appearance bond service, emergency road service, legal service, map service, personal travel and accident insurance service, touring service, or towing. Hit three, and G.S. 58-69-5 says you cannot do business in the State without a license, displayed in every office.
G.S. 58-69-10(2) sets the price of admission: a $600 nonrefundable annual license fee, plus a $50,000 bond in favor of the State of North Carolina executed by a surety authorized here — or $50,000 of qualifying securities pledged to the State under Article 5 instead. The bond is conditioned on two things: full compliance with Article 69 and the Commissioner’s regulations and orders, and good-faith performance of the club’s contracts for motor club services. That second condition is the one members rely on — it stands behind the tow, the road service and the reimbursement you sold them.
It is not insurance for you — if the surety pays a claim, you repay the surety. A franchise motor club files the same $50,000 bond with a $200 annual fee under subdivision (4); a branch or district office of an already-licensed club pays $100 and files no bond of its own. Licenses expire June 30 following issuance or renewal under G.S. 58-69-15, and renewal is automatic on timely payment of the annual fee — so the bond has to stay continuous across that date. We track it and notify you 60 and 30 days out.
You need this bond if you are
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 $50,000 bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The bond runs to June 30 whatever day you buy; the premium covers the period to that date.
Renewal falls on the statutory date, June 30, in the year your term ends.
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 Commissioner. Your executed bond and power of attorney arrive by email, ready to file with the Department of Insurance alongside the license application, the $600 annual fee and — for a first-time applicant — the audited financial statement G.S. 58-69-10(1a) calls for. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $500 at the $50,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
No credit check.
One application, issued instantly.
These are the actual issuing fields — entity details, effective date and term. No credit check.
Start the application →Common questions.
Other North Carolina bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
File the bond and open your motor club license.
$500 flat, short application, bond usually issued in the same sitting. Free until issued.