Arizona Surety Bonds by Regulating Agency
Arizona stands apart from most states with a contractor bond system that scales by annual volume AND license classification -- a $50K residential roofer and a $25M commercial general contractor carry vastly different bonds. Below, we break down every bond Arizona requires, organized by the agency that regulates it: the ROC, DIFI, ADOT, Secretary of State, and more. For a full overview of all state surety bond requirements, see our national guide.
Official Arizona Requirements
"Each applicant for a license and each licensee shall file with the registrar a bond... in the amount designated by the registrar for the type and classification of the license and the anticipated or actual annual volume of work."Arizona Registrar of Contractors • A.R.S. Section 32-1152
Registrar of Contractors (ROC)
The ROC oversees all contractor licensing in Arizona. Two separate bonds may be required: the license bond (ARS 32-1152) and the taxpayer bond (ARS 42-5006) from ADOR for new or out-of-state contractors.
ROC Contractor License Bond Schedule (ARS 32-1152)
| Annual Gross Volume | Residential (R) | General Commercial (B/KB) | Specialty Commercial |
|---|---|---|---|
| Under $50,000 | $1,000 | $2,500 | $2,500 |
| $50,000 - $149,999 | $2,500 | $5,000 | $5,000 |
| $150,000 - $499,999 | $5,000 | $10,000 | $7,500 |
| $500,000 - $999,999 | $10,000 | $25,000 | $15,000 |
| $1M - $2.49M | $15,000 | $50,000 | $25,000 |
| $2.5M - $4.99M | $25,000 | $100,000 | $50,000 |
| $5M - $9.99M | $50,000 | $200,000 | $100,000 |
| $10M - $24.99M | $100,000 | $300,000 | $200,000 |
| $25M+ | $200,000 | $500,000 | $300,000 |
Source: roc.az.gov/bond-information. Verify amounts before applying -- schedule may be updated by the ROC.
ROC Contractor Bond Tiers by Annual Volume (ARS 32-1152)
Residential (R) license bond amounts. General Commercial and Specialty Commercial tiers are higher -- see full table above.
Under $50K
$1,000
Residential license
$50K – $149K
$2,500
Residential license
$150K – $499K
$5,000
Residential license
$500K – $999K
$10,000
Residential license
$1M – $2.49M
$15,000
Residential license
$2.5M – $4.99M
$25,000
Residential license
$5M – $9.99M
$50,000
Residential license
$10M – $24.99M
$100,000
Residential license
$25M+
$200,000
Residential license
ARS 32-1152
Contractor Taxpayer Bond (ADOR)
Required by the Arizona Department of Revenue under ARS 42-5006 for new contractors, out-of-state contractors, or those with tax filing delinquencies.
Residential Contractors Recovery Fund
Residential contractors must either pay into the ROC Recovery Fund OR post a separate $200,000 bond. Nearly all choose the fund assessment.
Dept. of Insurance & Financial Institutions (DIFI)
DIFI regulates financial services in Arizona and requires surety bonds from mortgage professionals, money transmitters, escrow agents, debt management companies, and service warranty providers.
Arizona Dept. of Transportation (ADOT MVD)
The ADOT Motor Vehicle Division requires bonds from all vehicle dealers and handles lost/bonded title bonds for vehicles without clear documentation.
Motor Vehicle Dealer Bonds
Lost / Bonded Title Bonds
When a vehicle has no clear title documentation, ADOT MVD requires a bonded title. The bond protects anyone who may have a prior ownership claim.
Manufactured Home Dealers: Regulated by the Arizona Department of Housing (ADOH), not ADOT. Bond amounts range from $2,500 to $100,000 depending on the dealer type and volume. Contact us for a quote on manufactured home dealer bonds.
Secretary of State & County Recorder
Arizona notary public bonds are filed with the county recorder in the notary's county of residence -- not with the Secretary of State directly, unlike most other states.
Arizona Notary Public Bond
Arizona Superior Courts
Court-ordered bonds are required in probate, appeal, guardianship, and other civil matters. Amounts are set by the presiding judge.
Other Arizona State Agencies
Several other Arizona agencies require surety bonds for licensing. These bonds protect consumers in industries ranging from bail enforcement to home inspection.
| Bond Type | Amount | Statute / Agency |
|---|---|---|
| Collection Agency | Variable | ARS 32-1021 |
| Private Investigator | $2,500 | DPS |
| Home Inspector (alt to E&O) | $25,000 | ARS 32-122.02 |
| Bail Bond Agent | $10,000 | ARS 20-340.01 |
| Credit Services Organization | $5,000 - $25,000 | ARS 44-1708 |
| Public Adjuster | $10,000 | ARS 20-321 |
| Boxing / MMA Promoter | $20,000 | AZ Racing & Boxing Comm. |
Get Your Arizona Bond Quote
All 20+ bond types. Same-day approval for most. All credit scores accepted.
Get Your Arizona Bond Quote
Same-day approval available • Competitive rates
Pay only after your bond is issued • No obligation • 2 minutes
Step 1 of 2
What Arizona Surety Bonds Cost
Arizona-specific pricing note: Because ROC bond amounts scale up to $500,000 for high-volume commercial contractors, premiums for large bonds are underwritten more carefully. Expect a financial statement review for bonds over $100,000. Notary bonds and small license bonds require no credit check at all. Use our surety bond cost calculator to estimate your premium, or learn more about how surety bond pricing works.
Arizona Surety Bond FAQs
Questions specific to Arizona's ROC tiered system, DIFI, and ADOT
Why does Arizona have three different contractor bond schedules instead of one flat amount?
What is the Arizona Contractor Taxpayer Bond (ADOR) and who needs one?
Does Arizona require a separate bond if I hold both a residential and commercial license?
How much does an Arizona notary bond cost and where is it filed?
What are the Arizona motor vehicle dealer bond amounts?
Can I get an Arizona surety bond with bad credit or a prior bond claim?
Official Arizona Government Resources
ROC bond schedules, forms, and filing instructions
Full text of the contractor bond law
Tax bond requirements under ARS 42-5006
Mortgage, money transmitter, escrow, and financial services bonds
Motor vehicle dealer bond requirements and forms
Federal listing of Treasury-certified surety companies authorized to write bonds for U.S. government contracts
Other Arizona Bonds
Additional surety bonds available in Arizona
Every Arizona Bond. One Application.
ROC contractor bonds, DIFI financial bonds, ADOT dealer bonds, notary bonds, court bonds -- all from Treasury-certified sureties with same-day approval