TN automobile club bonds.
$600. Five minutes.
Tennessee requires every automobile club or association to file a $20,000 bond with the Department of Commerce & Insurance to hold a certificate of authority. Ours is $600 flat — 3% of the bond amount — and the application is five minutes with no credit check.
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Three steps. One sitting.
License bonds are the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That's the application — no financials, no credit check section, no follow-up scavenger hunt.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File for your certificate of authority
Your executed bond arrives by email, ready to file with your certificate-of-authority application or renewal at Commerce & Insurance. Wet-ink original mailed on request.
The whole pricing page.
$20,000 bond × 3% = $600, one-time per term. Fixed amount, fixed price, multi-year if you want it.
What it is and who needs it.
What the bond actually guarantees
An automobile club bond is a member-protection guarantee. Auto clubs sell prepaid roadside, towing, legal-defense, and travel benefits — Tennessee wants a financial backstop that the club delivers the services it promises and complies with the law governing it.
It is a three-party arrangement: you (the principal), the surety carrier, and the State of Tennessee (the obligee), with your members as the protected parties. If a club fails to honor its obligations under the chapter, harmed members can recover against the bond.
The bond must stay active for the life of your certificate of authority. Tennessee also requires the surety to give the Commissioner 90 days’ written notice before cancelling — so we track the filing and notify you 60 and 30 days out, keeping your $20,000 bond continuous.
You need this bond if you're
Five minutes. The whole thing.
These are the actual issuing fields — no credit check section, because this bond doesn't have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Tennessee automobile club bond? +
Do I pay the $20,000? +
Who requires this bond? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
Finish your certificate-of-authority checklist today.
$600 flat, five-minute application, bond often issued in the same sitting. Free until issued.