Tennessee automobile club bonds.
$200 flat.
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 $200 flat — the price you see is the checkout price. The bond issues the moment you pay — no credit check.
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How much does a Tennessee automobile club bond cost?
$200 at the $20,000 amount, the same for every applicant.
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 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 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.
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
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 $20,000 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 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.
What sets the price
The premium is fixed at $200 at the $20,000 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. No credit check.
Start the application →Common questions.
Other Tennessee bonds.
The same bond in nearby states.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your certificate-of-authority checklist today.
$200 flat, no credit check, bond often issued in the same sitting. Free until issued.