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Oklahoma Surety Bonds, Issued Same Day

Auto dealer, contractor license, OMMA, notary and court bonds across Oklahoma, including Oklahoma City and Tulsa. Most bonds can be bought online in minutes.

Cannabis business? See our OMMA surety bond guide: the $50,000 grower bond, exemptions, and pricing.

Surety bonds for the people who build Oklahoma: contractors, HVAC, plumbers, electricians, dealers, security guards, notaries

Apply online, same day

Online quote, RLI Surety Online quote, any state

A surety bond is not insurance for you; it is a guarantee to whoever requires the bond, usually a state agency, a city, or a court, that you will do what your license or contract obligates you to do. Oklahoma requires them for used auto dealers, most licensed contractor trades, cannabis businesses, notaries, security guards and many court matters. We are an independent Oklahoma City brokerage and used auto dealer bonds are our specialty.

You can buy an Oklahoma contractor license bond from a local broker in Oklahoma City. The $5,000 Construction Industries Board (CIB) bond for electricians, plumbers and mechanical (HVAC) contractors is written here, bid, performance and payment bonds too; apply online and the executed bond arrives by email the same day. Not sure which bond your license needs? The section below lists every license and its bond. Comparing where to buy? See where to get a surety bond in Oklahoma.

Most license and permit bonds here can be bought online in minutes through the portals below, with the bond and Power of Attorney letter delivered by email the same day. No office visit is needed, so we bond businesses statewide, including Tulsa, the same way we bond our OKC neighbors.

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Understanding Bonds Insurance

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Used Motor Vehicle Dealer

Wholesale Motor Vehicle Dealer

Motor Vehicle Rebuilder

City of OKC Occupation Bond

Armed Security Guard

Unarmed Security Guard

Oklahoma Notary Bond

Types of Surety Bonds We Offer

Marijuana Surety Bond, Buy Online (OMMA guide)
Auto Dealer Bonds, Buy Online (details)
City of Oklahoma City Occupation Bonds
  • Used Trailer, Used Auto, Salvage, Used Parts & Accessory Dealer, $1,000
Contractor License Bonds, Get Bonded (details)
Contract Bonds
  • Bid bonds
  • Performance bonds
  • Payment bonds
  • Maintenance bonds
  • Supply bonds
Subdivision Bonds
Commercial Surety Bonds
  • License and permit bonds
  • Court bonds
  • Miscellaneous bonds
Notary Public Bond, Buy Online (details)
Process Server Bond
Security Guard Bonds, Buy Online (details)
  • Unarmed Security Guard / Private Investigator, $5,000 | Premium starts at $50, Buy This Bond Online →
  • Armed Security Guard / Private Investigator, $10,000 | Premium starts at $100, Buy This Bond Online →
  • Security Guard Agency, $100,000
Court Bonds
  • Probate bonds
  • Fiduciary bonds
  • Immigration bonds

Trusted Across Oklahoma and Texas

  • Edmond
  • Mustang
  • Oklahoma City
  • Piedmont
  • Yukon

Where can I buy a surety bond in Oklahoma?

From a local broker. OKC Insurance Brokers writes Oklahoma surety bonds from its Oklahoma City office and delivers them statewide by email: dealer, contractor license, OMMA, notary, security guard, court and contract bonds. Pick the bond on this page and apply online, or send us the bond requirement you were handed and we name the bond and the market for it. The executed bond with its Power of Attorney letter arrives the same day, with no office visit.

What is a bond in insurance?

A surety bond is a three-party guarantee, not an insurance policy. You (the principal) buy it, the surety company backs it, and the party that requires it (the obligee: a state agency, a city or a court) can claim on it if you break the rules of your license or contract. Insurance pays you for your own loss; a bond pays the obligee, and you repay the surety. That is why a bond costs a small premium instead of the full bond amount. The full comparison, with what happens when someone claims on your bond, is in bond vs insurance explained.

What are the Oklahoma surety bond requirements?

They depend on the license. Used motor vehicle and wholesale dealers post $25,000 and rebuilders $15,000; electrical, plumbing and mechanical (HVAC) contractors post the $5,000 Construction Industries Board (CIB) bond; OMMA commercial growers post at least $50,000; notaries and security guards post small fixed bonds, $5,000 unarmed and $10,000 armed for guards. The obligee sets the amount and usually the form, and the premium you pay is a fraction of it. The section below lists each license and its bond.

How much does a surety bond cost in Oklahoma?

You pay a premium that is a small fraction of the bond amount, set by the bond type and, for some bonds, your credit. The listed amounts above are the bond penalty, not your cost: for example, the $5,000 and $10,000 security guard bonds start at $50 and $100 in premium. Strong credit qualifies for the fastest standard markets; a score under 700, or bonding outside Oklahoma, still gets bonded through our specialty markets below.

Surety bonds in Tulsa and statewide

Unlike the national websites, we are a local Oklahoma surety bond company: when someone searches for a surety bond in OKC or a surety bond in Tulsa, this office is the one that answers the phone. Everything on this page works the same from Tulsa, Lawton or anywhere in Oklahoma: pick the bond, apply online, and the executed bond arrives by email. If a Tulsa tag agent, city office or court hands you a bond requirement you do not recognize, send us a photo of it and we will name the bond and the market for it the same day. The City of Tulsa also runs its own bonding separately from the state, with its own right of way, sidewalk and excavation forms: that is covered on the Tulsa surety bonds page.

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Under 700 or Other States

Lower credit score, or need a bond in another state? We can bond you in any state our surety partner writes, entirely online: pay, and the executed bond with its Power of Attorney letter is emailed to you to print.

GET AN ONLINE QUOTE NOW, ANY STATE

Credit Score 700+

Good credit qualifies for our fastest option, get bonded online in minutes with the Power of Attorney (POA) letter attached to the bond. Keep the POA attached when you file it: it is what proves the person who signed for the surety company was authorised to bind it, and an obligee will hand the bond back without it.

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Contact Us

OKC Insurance Brokers
11901 N MacArthur Blvd STE D9
Oklahoma City, OK 73162 
Phone: (405) 509-9433

As an independent insurance agency, we have access to multiple top-rated insurance companies. We’ll shop the competition on your behalf to find the best deal!

Which Oklahoma surety bond does your license require?

Oklahoma sets most of these amounts by statute, so the number is not negotiable and it does not vary by agent. What varies is how quickly you can get issued and what you pay for it.

Motor vehicle dealers

Oklahoma law at 47 O.S. § 583 requires motor vehicle dealers to post a surety bond before the state will issue a license. The bond protects consumers and the state against fraud, misrepresentation, or a dealer failing to comply with state regulation. If a dealer causes a customer financial harm, a claim can be filed up to the full bond amount.

License type Required bond amount Buy online
Used Motor Vehicle Dealer $25,000 Buy this bond online
Wholesale Motor Vehicle Dealer $25,000 Buy this bond online
Motor Vehicle Rebuilder $15,000 Buy this bond online
Used Motor Vehicle Dealer Auctioneer $50,000 Quote required
Manufactured Home Dealer or Manufacturer $30,000 Quote required
Additional Lot Location $25,000 Quote required

Dealer bonds are issued on a two year term and expire December 31st of each odd numbered year, so everybody in the state renews on the same clock rather than on their own anniversary. Premium rates start as low as $175 for the full two year term.

Worth saying plainly, because it catches new dealers every year: the bond is not your dealer insurance. It satisfies the licensing requirement. It does nothing for the customer's car in your service bay, and nothing for the inventory sitting on your lot when hail comes through. Those are garagekeepers and open lot coverage, and we wrote a full breakdown of that in our Oklahoma auto dealer insurance guide.

Oklahoma City occupation bonds

On top of the state requirement, the City of Oklahoma City requires its own occupation bond for dealers operating inside city limits. This one surprises people who have already satisfied the state and assume they are finished.

  • Used Trailer, Used Auto, Salvage, Used Parts and Accessory Dealer: $1,000

It applies to any business that buys, sells, trades, or deals in used automobiles, trailers, salvaged vehicles, or secondhand auto parts and accessories within Oklahoma City. Premium starts at around $100 per year, and it can be issued online: get the City of OKC occupation bond.

Contractors

Contractors in the mechanical, plumbing, electrical, and nonresident categories have to post a bond to protect consumers. If a contractor causes harm or fails to follow the regulations, a consumer can file a claim up to the full bond amount. These are regulated by the Oklahoma Construction Industries Board.

Contractor type Required bond amount
Mechanical (HVAC) Contractor $5,000
Plumbing Contractor $5,000
Electrical Contractor $5,000
Cement / Concrete Contractor $5,000 (varies by municipality)

All of these must be continuous and payable to the Oklahoma Construction Industries Board, with 30 days' cancellation notice required. Premiums start at $100 per year.

Separately from license bonds, contractors bidding public or larger private work run into contract bonds: bid bonds, performance bonds, payment bonds, maintenance bonds, and supply bonds. Those are underwritten on your financials and work history rather than issued off a form, so they take a real submission. And none of them replace your general liability or workers compensation, which is what a GC is actually asking for when they request a certificate.

Notaries

Oklahoma Statute §49-2 requires every notary to file a surety bond as part of the notary commission application. Effective January 1, 2026 the required amount increased to $10,000, valid for a four year term. If you were commissioned under the old amount, check what your renewal now requires.

The bond protects the public against errors or wrongdoing by the notary. Premium rates start at about $50 for the entire four year term, and there is very little paperwork: get an Oklahoma notary bond online.

Security guards and private investigators

Oklahoma Statutes 59-1750.1 puts security guards and private investigators under CLEET, and a surety bond has to be on file before the license is issued. The amount depends on what you are licensed to do.

License type Required bond amount Buy online
Unarmed Security Guard / Private Investigator $5,000 Buy this bond online
Armed Security Guard / Private Investigator $10,000 Buy this bond online
Security Guard Agency $100,000 Quote required

Premiums start around $50 for the unarmed bond and $100 for the armed bond. One detail agencies should know: before cancellation, the surety has to give CLEET at least 10 days' advance notice, so a lapse is visible to the regulator before it is visible to you.

Process servers

Under 12 O.S. § 12-158.1, anyone seeking a private process server license in Oklahoma has to file a $5,000 surety bond running to the State of Oklahoma for faithful performance of their duties. It gets filed with the county court clerk and renews annually. Premiums generally run $50 to $100 per year, and in most cases there is no underwriting or credit check.

Other bonds we write

  • Mixed beverage bonds for licensed establishments
  • Marijuana surety bonds supporting OMMA commercial grower license requirements
  • Subdivision bonds for developers making off-site or public improvements required by a municipality, county, or the state
  • Court bonds, including probate, fiduciary, and immigration bonds
  • Commercial surety, meaning license and permit bonds, court bonds, and miscellaneous bonds covering non-contract business obligations

Need a bond that is not on this list?

We write bonds across Oklahoma and Texas, for one-truck operators and for companies with a hundred employees. If you can tell us what the requiring party asked for, we can find it.

Request a Bond Quote See All Bond Types

What actually determines your bond premium

For the small license and permit bonds above, pricing is close to fixed and issuance is close to instant. Once you move up into contract bonds and larger commercial surety, the surety is underwriting you the way a lender would.

  • Personal credit. On small bonds this is often the whole decision, and in many cases there is no credit pull at all. Above 700 you generally qualify for the fastest online route.
  • Business financials. On contract bonds the surety looks at working capital, net worth, and whether you can absorb the job you are bidding.
  • Experience with the work. A contractor bidding a job type they have never performed is a different risk than one doing their tenth of the same thing.
  • The bond amount itself. A $5,000 license bond and a $500,000 performance bond are not the same conversation.

If your credit is under 700, or you need to be bonded outside Oklahoma, there is still a straightforward online path. It just runs through a different market than the one we use for clean credit.

Oklahoma surety bond questions we get asked

Is there a cheap surety bond, or are they all the same price?

The bond itself is the same document no matter who sells it; the price depends on your credit and on the surety's appetite for that bond type. An agency with several surety markets can move a declined or expensive applicant to a carrier that wants the business. That is the whole difference between a cheap bond and an expensive one.

Is being bonded the same as being insured?

No. A bond protects the customer or the state if you fail to perform or break the licensing rules; if the surety pays a claim, you owe the surety the money back. Insurance protects you. A contractor who says 'bonded and insured' should be able to hand you two different documents: the bond and a certificate of general liability insurance.

Do I need a bond to get a contractor license in Oklahoma?

It depends on the trade and the city. Electrical, plumbing and mechanical (HVAC) contractors licensed through the Construction Industries Board post a $5,000 license bond. Roofers register with the CIB and carry general liability, no bond. General contractors in Oklahoma City need a general liability certificate and the city license; the suburbs are similar. We issue the CIB bonds the same day.

What is an OMMA surety bond and why did OMMA reject the one I bought online?

Commercial growers post a $50,000 surety bond with OMMA unless they have owned the land for five years or more. OMMA rejects bonds written by a surety that is not licensed in Oklahoma, which is what happened to several growers who bought from out-of-state online sellers. Ours are written on Oklahoma-admitted sureties and start at $1,000 a year, or $100 a month.

Probate court says I need a surety bond for my father's estate. What is that and how fast can I get it?

A probate or guardianship bond guarantees you will handle the estate honestly, and the court sets the amount. We write them in Oklahoma City, usually within a day or two, and the premium is based on the bond amount and your credit. Ask the court clerk or your attorney for the bond amount and the case number, and call us; if the deadline is tight, tell the court a surety is quoting it.

How fast can I get a notary bond in Oklahoma?

Same day. Oklahoma notaries file a $1,000 bond with the Secretary of State for the four-year commission. You buy the bond after your commission is approved and before your first notarization; it is a one-time premium, not a monthly bill. Many people buy it where they buy their car insurance, and that works here too.

How fast can I get a surety bond in Oklahoma?

Most Oklahoma license and permit bonds can be bought online in minutes, with the executed bond and Power of Attorney letter delivered by email the same day.

What surety bond does a used car dealer need in Oklahoma?

A $25,000 used motor vehicle dealer bond, and the same amount for a wholesale dealer license. Motor vehicle rebuilders need $15,000, dealer auctioneers $50,000, and each additional lot location $25,000. OKC Insurance Brokers specializes in auto dealer bonds and can issue them online.

Can I get a surety bond with bad credit in Oklahoma?

Yes. A credit score under 700 does not stop the bond; it usually just moves it to a specialty market and can raise the premium. Both paths deliver the bond online with a Power of Attorney letter.

Do you issue surety bonds in Tulsa?

Yes, statewide. No office visit is required: the bond is applied for online and delivered by email, so Tulsa and every other Oklahoma city are served the same day.

Questions? We answer the phone.

Call or text and a local independent broker will walk you through your options.

Call (405) 509-9433

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