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Last updated: General Arizona surety bond information — confirm current requirements with the licensing authority.
Grand Canyon State

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.

20+
Bond Types Covered
6
State Agencies
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Get Your Arizona Bond New to Surety Bonds?
Quick answer
Arizona contractor bonds scale by license classification and annual volume, from $1,000 up to $500,000. Dealer bonds go through ADOT and the notary bond is $5,000. The surety sets approval and price.
  • Who requires it: The Registrar of Contractors (ARS 32-1152) for contractors, plus DIFI, ADOT and the Secretary of State for other bonds.
  • Amount: Contractor bonds tiered $1K-$500K by volume and classification. ADOT dealers: $100,000 new or used, $25,000 wholesale-only, $20,000 recyclers. Notary: $5,000.
  • Typical cost (estimate): about 1-3% of the bond amount for applicants with strong credit. The surety sets the final price.
  • Timing: We submit complete applications to the carrier promptly; most quotes within one business day.
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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
Agency 1 of 6

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 VolumeResidential (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.

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.

Bond range$2,000 - $102,000
Calculation$2K + 4x monthly TPT
ReleaseAfter 2 years clean filing

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.

Bond alternative$200,000 separate bond
Max per claimant$30,000
Max per contractor$200,000
Arizona Contractor Bonds Contractor Bond Calculator
Agency 2 of 6

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.

Mortgage Broker

ARS 6-903
$10K institutional / $15K non-institutional
Learn more

Mortgage Banker

DIFI Schedule
$25,000 - $100,000
Learn more

Money Transmitter

ARS 6-1202
$25,000 - $500,000
Get a quote

Escrow Agent

DIFI Requirement
$100,000
Get a quote

Service Company / Warranty

DIFI Requirement
$100,000
Get a quote

Debt Management Company

DIFI Requirement
$5,000+
Get a quote
Agency 3 of 6

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

New / Used Vehicle Dealer$100,000
Wholesale-Only Dealer$25,000
Vehicle Recycler$20,000
Aircraft Dealer (ARS 28-8384)$10,000
Arizona Dealer Bond Details

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.

Bond amount1.5x vehicle value
Duration3 years
Filed withADOT MVD
Typical premium$100 - $300
Dealer Bond Calculator

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.

Agency 4 of 6

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

Bond amount$5,000
Premium from$30
Term4 years
StatuteARS 41-269
Filed withCounty Recorder
Credit checkNone required
Arizona Notary Bond Details Notary Bond Calculator
Agency 5 of 6

Arizona Superior Courts

Court-ordered bonds are required in probate, appeal, guardianship, and other civil matters. Amounts are set by the presiding judge.

Probate Bonds

Executor, administrator, and estate bonds

Details

Fiduciary Bonds

Guardian, conservator, and trustee bonds

Details

Appeal Bonds

Supersedeas bonds for civil appeals

Details

All Court Bonds

Attachment, injunction, and replevin bonds

Details
Agency 6 of 6

Other Arizona State Agencies

Several other Arizona agencies require surety bonds for licensing. These bonds protect consumers in industries ranging from collections and home inspection to private investigation and credit services.

Note: We don’t serve the bail bond industry — that includes bail agent licensing bonds, bail permittee bonds, and criminal bail bonds themselves.

Bond TypeAmountStatute / Agency
Collection AgencyVariableARS 32-1021
Private Investigator$2,500DPS
Home Inspector (alt to E&O)$25,000ARS 32-122.02
Credit Services Organization$5,000 - $25,000ARS 44-1708
Public Adjuster$10,000ARS 20-321
Boxing / MMA Promoter$20,000AZ Racing & Boxing Comm.

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Every bond type on this page. Prompt submission for most. All credit scores reviewed.

What Arizona Surety Bonds Cost

1 - 3%
of bond amount
Good Credit (680+)
3 - 10%
of bond amount
Fair Credit (600-679)
5 - 15%
of bond amount
Poor Credit / Prior Claims

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. Many notary bonds and small license bonds don’t require a credit check. 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?
Arizona ties bond amounts to both your license classification AND your annual gross volume because risk profiles differ dramatically. A general commercial contractor doing $25M in highway work poses a different exposure than a residential roofer doing $100K a year. The ROC uses three classification tiers -- residential, general commercial, and specialty commercial -- each with its own bond schedule under ARS 32-1152. This volume-based system means your bond grows with your business, unlike flat-amount states like California where every contractor carries the same $25,000 bond regardless of revenue.
What is the Arizona Contractor Taxpayer Bond (ADOR) and who needs one?
The ADOR taxpayer bond (ARS 42-5006) is separate from your ROC license bond. The Arizona Department of Revenue requires it from new contractors, out-of-state contractors, or contractors who have failed to file or pay transaction privilege tax. The bond amount is calculated at $2,000 plus four times your estimated monthly tax liability, capped at $102,000. It guarantees you will remit TPT (Arizona's version of sales tax on contracting). You may be released from this bond after two years of clean filing history.
Does Arizona require a separate bond if I hold both a residential and commercial license?
Yes. Each ROC license classification requires its own bond. If you hold a residential (R) license and a commercial (B or KB) license, you need two separate bonds at the amounts matching each classification's volume tier. The bonds cannot be combined. However, if you operate under a single dual-classified license, the ROC will apply the higher bond amount between the two classifications.
How much does an Arizona notary bond cost and where is it filed?
An Arizona notary bond costs $30-$50 for the full 4-year commission term. The required bond amount is $5,000 under ARS 41-269. Unlike most states that file with the Secretary of State, Arizona requires notaries to file their bond with the county recorder in the county where they reside. The bond must be in effect before your notary commission is active. A credit check is usually not needed for approval.
What are the Arizona motor vehicle dealer bond amounts?
Arizona ADOT Motor Vehicle Division requires different bond amounts by dealer type: $100,000 for new or used vehicle dealers, $25,000 for wholesale-only dealers, and $20,000 for vehicle recyclers. The bond protects consumers against fraud, title issues, and failure to transfer vehicle titles. The bond must remain active for the full term of your dealer license. If you let the bond lapse, ADOT will suspend your dealer plates.
Can I get an Arizona surety bond with bad credit or a prior bond claim?
Yes. Many notary bonds, lost title bonds, and other small bonds don’t require a credit check. For ROC contractor bonds and larger license bonds, applicants with credit scores below 600 or prior claims can still get approved through specialized surety markets. Rates will be higher -- typically 5-15% of the bond amount rather than the 1-3% that strong-credit applicants pay. We work with multiple sureties that specialize in non-standard risk, so a prior claim or bankruptcy does not automatically disqualify you.
How do I get an Arizona surety bond?
Request a quote with the form on this page. A licensed agent submits your application to a Treasury-listed surety carrier; once the carrier issues your bond, file it as the requiring agency directs.
What happens after I apply?
We submit complete applications to the carrier promptly; most quotes come back within one business day. The carrier decides approval and the final premium, and you pay only when your bond is issued.

Official Arizona Government Resources

Registrar of Contractors -- Bond Information

ROC bond schedules, forms, and filing instructions

ARS 32-1152 -- Contractor Bond Statute

Full text of the contractor bond law

ADOR -- Bond for Contractors (TPT)

Tax bond requirements under ARS 42-5006

DIFI -- Licensing Requirements

Mortgage, money transmitter, escrow, and financial services bonds

ADOT MVD -- Dealer Licensing

Motor vehicle dealer bond requirements and forms

U.S. Treasury Surety Bond List

Federal listing of Treasury-listed surety companies authorized to write bonds for U.S. government contracts

Eric Drummond, Licensed Surety Producer
Reviewed by
Eric Drummond, Licensed Surety Producer
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All content is researched from official state and federal sources (.gov). BuySuretyBonds.com works with Treasury-listed surety carriers.

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Other Arizona Bonds

Additional surety bonds available in Arizona

Arizona Notary Bond

Notary public bond

Arizona Contractor License Bond

Contractor licensing

Arizona Auto Dealer Bond

DMV dealer licensing

Arizona Mortgage Broker Bond

NMLS mortgage licensing

Arizona Performance Bond

Construction & service contracts

Arizona Probate Bond

Executors, administrators & guardians

Arizona Freight Broker Bond

FMCSA broker authority

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Utah Surety Bond

Utah requirements, statute, and bond amount

More Arizona bond requirements

Every Arizona Bond. One Application.

ROC contractor bonds, DIFI financial bonds, ADOT dealer bonds, notary bonds, court bonds -- all from Treasury-listed sureties with prompt submission

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