Last updated: August 25, 2026|General Georgia freight broker bond calculator information — confirm current requirements with the licensing authority.

49 CFR § 387.307 · 49 U.S.C. § 13906(b)

Georgia Freight Broker BondCost Calculator (BMC-84)

Every Georgia broker files the same $75,000 federal bond. Pick your credit tier and time in business below for an instant premium range, then use the persona toggle to see how Savannah port drayage and Atlanta metro distribution actually underwrite differently.

Required Bond Amount (Federal · Fixed)

$75,000

Same in every state — 49 CFR § 387.307

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), implemented at 49 CFR § 387.307 • 49 U.S.C. § 13906(b)

Same Bond, Different Underwriting Conversation

Which Georgia Lane Do You Run?

Your $75,000 BMC-84 doesn't change based on where in Georgia you broker freight. But the underwriting file a surety builds around your application looks different depending on whether you're pulling containers out of Savannah or moving pallets through Atlanta's I-75/I-85 warehouse corridor. Pick your lane.

Savannah Port Drayage Atlanta I-75/I-85 Distribution

Atlanta I-75/I-85 Distribution

Warehouse-to-retail dry van & reefer, regional LTL

Inland dry-van and reefer freight moving between Atlanta-area warehouse stock and retail distribution reads as lower-frequency claims exposure to most sureties than port drayage — fewer detention disputes, more standard freight-claim patterns. That typically means a smoother first-pass file, though your FICO band still sets the actual rate; volume alone doesn’t buy a discount.

Lever for this lane

A clean 12-month claims history on Atlanta lanes is real renewal leverage — shop the renewal instead of auto-renewing, since seasoned Atlanta books can often negotiate 5–15% off the prior year’s premium.

Ready to lock in a real quote instead of an estimate? We file BMC-84 bonds directly with the FMCSA.

Get Georgia Quote Full Georgia Bond Guide

$75,000 BMC-84 Premium by Credit Tier

This is the same table both persona paths draw from — Savannah and Atlanta brokers are quoted off identical rate bands. Geography changes the underwriting questions, not the base rate. See our freight broker bond cost by credit tier guide for how this compares nationally.

Georgia BMC-84 Annual Premium by Credit Score

Based on a $75,000 bond amount

Credit ScoreEst. Annual Cost

750+ FICO (Excellent)Rate: 1.00% – 1.50%
$750 – $1,125
700–749 FICO (Good)Rate: 1.25% – 2.50%
$938 – $1,875
650–699 FICO (Average)Rate: 3.00% – 5.50%
$2,250 – $4,125
580–649 FICO (Fair)Rate: 5.00% – 8.00%
$3,750 – $6,000
Below 580 FICO (Challenged)Rate: 8.00% – 15.00%
$6,000 – $11,250

New-authority Georgia brokers typically pay $1,500–$9,000/year even at solid credit tiers until 12–18 months of clean history phase out the startup surcharge. Add roughly $46/year for Georgia's Unified Carrier Registration — a flat federal filing fee, not part of the bond premium.

Three Levers That Move Your Rate (Not Your Bond Amount)

The $75,000 figure never moves. These are the three inputs that actually shift where you land inside the rate table above.

Personal Credit Score

The single biggest lever. Moving from the “Fair” band (580–649) to “Good” (700–749) roughly cuts your premium in half on the same $75,000 bond. Pull your score before you apply, not after a quote comes back high.

Time on Your MC Authority

New authority carries a startup floor regardless of credit — sureties have no FMCSA claims history to underwrite against. That floor phases out after 12–18 months of clean operation, which is when it's worth re-shopping the renewal.

Documentation for Your Lane

Savannah-heavy brokers who show detention-to-pay cycles up front, and Atlanta-heavy brokers who show clean 12-month claims history, both move through underwriting faster — the persona toggle above shows which documentation matters for your lane.

Turn Your Estimate Into a Bound Quote

Same corridor question as the toggle above — it helps our underwriters route your file to the right market on the first pass.

Georgia BMC-84 Calculator — FAQ

Questions specific to how this calculator works and what it can't tell you

Why does this calculator show the same $75,000 no matter what I select?

Because the BMC-84 bond amount is not a Georgia number — it is set federally by 49 U.S.C. § 13906(b) and 49 CFR § 387.307 at $75,000 for every property broker in every state. Choosing Savannah port drayage vs. Atlanta metro distribution, or a higher vs. lower credit score, changes your annual premium (the rate charged on that fixed amount), never the $75,000 penal sum itself.

Does picking Savannah port drayage vs. Atlanta metro distribution change my quoted premium?

Not directly on this calculator — your premium is driven by credit score and time in business, the same inputs a Georgia broker in either corridor would use. What the persona toggle changes is the underwriting conversation: a Savannah-heavy drayage book gets more questions about carrier payment terms and dispatch documentation, while an Atlanta dry-van book typically clears first-pass review with less back-and-forth. Neither path changes the bond amount or the base rate table.

How accurate is this estimate for an actual Georgia freight broker?

The rate bands come from current BMC-84 underwriting practice for Georgia-domiciled brokers and match the figures published on our Georgia freight broker bond page. Your exact quote still depends on the specific surety’s appetite, your business financials, and whether you’re a new authority or a renewal — use this as a planning range, then get a bound quote through the form below.

I don’t have an MC number or UCR registration yet — can I still use this calculator?

Yes. Select “New authority (under 12 months)” for time in business and the calculator applies the new-entrant pricing reality — sureties can’t issue a bond with your MC# on it until FMCSA assigns one, but they can quote and prepare the BMC-84 in advance. Georgia’s separate $46/year Unified Carrier Registration fee, filed through Georgia DPS, is not a bond and isn’t included in this premium estimate.

Is there a separate Georgia state bond I need on top of this calculator’s number?

No. Georgia does not license property brokers at the state level and does not require a state-specific surety bond the way Pennsylvania’s PUC or a handful of other states do. The number this calculator produces is your complete BMC-84 bonding cost — see our full breakdown on the Georgia freight broker bond page for why that’s the case.

Why did my estimate jump when I selected “new authority” instead of “12+ months”?

Sureties price new MC authority at the top of your credit band and add a startup floor, because there’s no FMCSA claims or enforcement history yet to underwrite against. In practice, new Georgia brokers typically pay $1,500–$9,000/year even with solid credit before that surcharge phases out — usually after 12–18 months of clean operating history.

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Related Georgia & BMC-84 Resources

Georgia Freight Broker Bond Guide

Full Savannah + Atlanta breakdown, UCR filing, statutes

Freight Broker Bond Hub

National $75,000 BMC-84 overview, all 50 states

Generic BMC-84 Calculator

Nationwide credit-tier estimator

Cost by Credit Tier Guide

Why pricing tracks credit, not geography

How to Get Broker Authority

Step-by-step FMCSA authority process

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State-specific guidance for filing your $75,000 BMC-84 and securing FMCSA property broker authority.

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