Florida Freight Broker Bond Calculator
Move the slider to your credit score and get a live premium range for the $75,000 BMC-84 — the same federal bond every FMCSA-licensed property broker in Florida has to carry. There is no separate Florida bond amount to calculate; what actually moves your number is credit, how long your MC number has been active, and whether your book runs steady port drayage or seasonal produce freight.
Want the full regulatory picture first? Read our Florida freight broker bond guide covering the port-by-port breakdown and January 2026 FMCSA compliance rules, or start with the national BMC-84 overview.
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Florida BMC-84 Premium Slider
Tier: Average (650–699)
Where do you broker freight?
Estimated Annual BMC-84 Premium
$2,250 – $4,125
3.00%–5.50% of the fixed $75,000 bond
PortMiami / Doral Drayage note: Steady year-round volume and low claim frequency on this profile usually means the surety prices at the tier midpoint or better, and renewals tend to hold flat or improve.
Official Federal (FMCSA) Requirements
"Each broker subject to the requirements of this section shall provide financial security of $75,000 for purposes of this subsection, regardless of the number of branch offices or sales agents of the broker."Federal Motor Carrier Safety Administration — 49 U.S.C. § 13906(b)(3); 49 CFR § 387.307 • 49 U.S.C. § 13906(b)(3) / 49 CFR § 387.307
Every Credit Tier, Priced Against the Same $75,000 Bond
If you'd rather scan the whole table than move the slider, here's every tier at once. These are the identical rates the calculator above uses.
Florida BMC-84 Annual Premium by Credit Score
Based on a $75,000 bond amount
- Excellent (750+)Rate: 1.0%–1.5%$750–$1,125
- Good (700–749)Rate: 1.25%–2.5%$938–$1,875
- Average (650–699)Rate: 3%–5.5%$2,250–$4,125
- Fair (580–649)Rate: 5%–8%$3,750–$6,000
- Challenged (<580)Rate: 8%–15%$6,000–$11,250
Base rates before new-authority (first 12 months) or produce-season underwriting adjustments — see the calculator above and the worked examples below for how those apply on top of the base tier.
Three Florida Brokers, Three Different Numbers
The credit tier gets you close. These worked examples show how the new-authority and produce-season adjustments move the estimate within a tier — run your own numbers in the slider above.
Ana — PortMiami / Doral Drayage
4 years active MC authority, 715 credit score, steady year-round container volume
Ana's file has no new-authority surcharge and a drayage book underwriters already understand, so she lands near the bottom of the Good tier instead of the top.
Marcus — Port Everglades New Authority
MC number active 8 months, 640 credit score, retail and grocery import freight
Marcus checks the new-authority box, which pushes his high end up 15% inside the Fair tier — the single biggest lever in his estimate, bigger than the 15-point credit gap between him and Ana.
Dana — Produce & Reefer, Immokalee
Second renewal year, 605 credit score, revenue concentrated Sep–Jul harvest season
Dana isn't new authority, but her harvest-season revenue concentration adds the produce underwriting adjustment on top of her Fair-tier rate — worth budgeting for before the fall ramp-up, not after.
What Actually Moves the Number (and What Doesn't)
Four factors explain nearly every dollar of spread between the cheapest and most expensive BMC-84 quote a Florida broker will see.
Personal Credit Score
The single largest lever. Moving from Fair (580–649) to Good (700–749) roughly cuts your rate in half — a bigger swing than any location or seasonality factor combined.
MC Number Age
Under 12 months active adds roughly a 15% surcharge to the top of your tier — FMCSA has no claims or safety history to underwrite against yet, regardless of your personal credit.
Revenue Seasonality
Books concentrated in Florida's Sep–Jul produce and reefer season read as cash-flow risk. It's a smaller adjustment than new-authority status, but it stacks on top of it if both apply.
Port or County Location
Does not move the rate on its own. PortMiami, Port Everglades, and JAXPORT brokers with identical credit and tenure get identical quotes — FMCSA sets one national bond amount with no Florida markup or discount.
PortMiami, Everglades, or produce season — the form below asks which lane you run and turns your slider range into one firm number, no credit pull required.
Turn the Slider Range Into a Firm Number
Pick your Florida segment — drayage, retail import, produce season, or JAXPORT — and we'll match you with a carrier that already prices that profile well. No obligation, no credit-check to apply.
Reading the Florida BMC-84 Slider
What the port-segment toggle and new-authority checkbox actually change — and what they don't
The slider showed one number and my agent quoted me something else in that same tier — what happened?
Does broker location — PortMiami vs. Port Everglades vs. Immokalee — actually change my BMC-84 rate?
I only know a rough range from my bank app, not an exact three-digit score — where do I put the slider?
Does the "new authority" checkbox apply if I already had authority under a different MC number?
Can this calculator help me decide between the BMC-84 bond and the BMC-85 trust fund?
Why does the estimate change when I check 'new authority' if the bond amount stays $75,000 either way?
Beyond the Slider: Ports, Rules & Other States
All content is researched from official state and federal sources (.gov) and verified before publication. BuySuretyBonds.com works with Treasury-certified, A-minimum rated surety carriers serving all 50 states.
One Federal Bond, Four Florida Lanes, One Rate for Yours.
Whether you're running drayage out of Miami or reefer loads ahead of citrus season, get your exact Florida BMC-84 rate today.
Freight Broker Bonds by State
State-specific guidance for filing your $75,000 BMC-84 and securing FMCSA property broker authority.
California Freight Broker Bond
BMC-84 filing for California property brokers
Texas Freight Broker Bond
Laredo & Gulf-corridor brokerage bonding
Washington Freight Broker Surety Bond
Pacific Northwest broker authority
Pennsylvania Broker Bond
Northeast freight broker BMC-84 filing
Arizona Freight Broker Bond
Southwest property broker bonding
Georgia Freight Broker Bond
Atlanta & Savannah-corridor BMC-84 filing
Montana Freight Broker Bond
BMC-84 requirements & cost for Montana brokers
Wyoming Freight Broker Bond
Fast BMC-84 filing for Wyoming-registered brokers