Insurance License Cost By State
Learn How Much It Costs To Get An Insurance License In The U.S.
If you’re just starting out on your path to becoming an insurance agent, you probably have a lot of questions. One common query is, “how much does an insurance license cost?”, “how can you get an insurance license?”, or “what is the cost of insurance license by state?”
Depending on the state in which you apply, you might need to finish a pre-licensing insurance education course. The cost and subject matter of courses can differ. Here we have mentioned the price of the insurance license, exam, and renewal fees in the 5 most sought-after states for an insurance career.
Georgia
Insurance Licensing Cost in Georgia
License Type | License Cost | Processing Fees |
---|---|---|
Life Agent, Accident & Sickness Agent, Life and Accident & Sickness | $100 | $20 |
Property & Casualty Agent, Personal Lines Agent | $100 | $20 |
Temporary Agent | $50 | $20 |
Public Adjuster | $100 | $20 |
Worker’s Comp Adjuster | $100 | $20 |
Life and Accident & Sickness Counselor | $100 | $20 |
P&C Counselor | $100 | $20 |
Navigator | $50 | $5 |
Surplus Lines Broker | $600 | $20 |
Nonresident Agent | $100 | $20 |
Nonresident Surplus Lines Broker | $600 | $20 |
Insurance Claims Adjuster | $115 | - |
Examination Cost
It’s crucial to have your legal name, address, Social Security number, and daytime phone number ready before signing up for your exam. The name or school code of the institution where you finished your pre-licensing training is also necessary, if relevant. The examination fee is $63.
Insurance License Renewal
Insurance licenses in Georgia expire every two years. The cost to renew your license is $100 per application.
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Texas
Insurance Licensing Cost in Texas
License Type | License Cost |
---|---|
All Lines Insurance Adjuster | $50 |
General Lines Agent | $50 |
Personal Lines Property & Casualty Agent | $50 |
Life Agent | $50 |
Surplus Lines Agent | $50 |
Managing General Agent | $50 |
Limited Lines Agent | $50 |
Examination Cost
For each insurance line you want to carry, you will take a separate exam. If you want to obtain all of these lines of authority—Property, Casualty, Life, Accident, and Health—you must pass two tests because the Life & Health and Property & Casualty lines in Texas are two merged lines. Every exam attempt costs $43 in total (one exam per combined lines of authority) in Texas.
Insurance License Renewal
Insurance licenses in Texas expire every two years. Texas charges $75 for every application for the renewal of your insurance license.
Military members, veterans, and spouses: Do you have an insurance license in another state? TDI will waive the fee for a non-resident license in Texas. Just provide a military ID when you apply. Thank you for your service! #TexasVeterans https://t.co/Nb7qnc9DhO pic.twitter.com/iDhIqanYxG
— Texas Department of Insurance (@TexasTDI) November 3, 2021
Florida
Insurance Licensing Cost in Florida
License Type | Application Cost | License ID Cost |
---|---|---|
All Lines Insurance Adjuster | $50 | $5 |
Public Adjuster | $50 | $5 |
Personal Lines Property & Casualty Agent | $50 | $5 |
Life Agent | $50 | $5 |
Managing General Agent | $50 | $5 |
Limited Lines Agent | $50 | $5 |
Examination Cost
The Department will give you instructions on how to schedule your exam after approving your application. Upon scheduling, a $44 examination fee is required. In Florida, life, accident, and health insurance is combined with property and casualty insurance. As a result, you would have to take the exam that suits the insurance lines you intend to carry.
Insurance License Renewal
Florida grants permanent, lifetime insurance licenses. Each two-year renewal period, the State of Florida mandates that license holders who are residents complete twenty-four (24) credit hours of continuing education. After completing the necessary CE hours, your license can be renewed without paying a fee or submitting any documentation.
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California
Insurance Licensing Cost in California
License Type | License Cost |
---|---|
Accident and Health Agent (AH) | $188 |
Casualty Broker-Agent | $188 |
Insurance Adjuster (AJ) | $311 |
Personal Lines Broker-Agent (PL) | $188 |
Property and Casualty Broker-Agent – Property Broker-Agent (PR) and Casualty Broker-Agent (CA) | $188 |
Public Insurance Adjuster | $264 |
Life-Only Agent (LO) | $188 |
Examination Cost
After finishing all of your pre-licensure education, the insurance exam is the next step. For each insurance line you want to carry, you will take a separate exam. You would only take two tests overall because the Life, Accident & Health, and Property & Casualty (P&C) lines are merged into one test apiece. The cost for each exam attempt is $55, while the cost for a public insurance adjuster is $68.
Insurance License Renewal
Insurance licenses in California lapse every two years. The state doesn’t require you to take a new exam. However, you might take a quick knowledge test, depending on how your continuing education is structured. It will make sure that you comprehend key insurance principles, rules, and regulations. The cost to renew your California insurance license is $188 per line.
Tennessee
Insurance Licensing Cost in Tennessee
License Type | License Cost |
---|---|
Insurance Producer | $50 |
Public Adjuster | $100 |
Surplus Line Agent | $120 |
Examination Cost
The insurance test is the next step after finishing all of your pre-license coursework or independent study. You will take a separate exam for each insurance line you want to carry.
Tennessee offers “back-to-back” exams for Property and Casualty, as well as Life and Health lines, despite the fact that each line has its own exam. The cost of taking the “back-to-back” tests is $59 for each attempt and the cost of getting fingerprints taken is $42.
Insurance License Renewal
Insurance licenses in Tennessee expire every two years and renewing your license costs $60 for each application.
Virginia
Insurance Licensing Cost in Virginia
License Type | License Application Cost |
---|---|
Insurance Producer (Life & Annuities, Health, Variable, Contracts, Property & Casualty, Personal Lines, Title) | $15 |
Limited Lines Producer (Credit, Motor Vehicle Rental Contract (Car Rental), Limited Lines Property & Casualty, Limited Lines Life & Health) | $15 |
Surplus Lines Broker | $15 |
Consultant (Per LOA) | $15 |
Public Adjuster | $15 |
Examination and Other Costs:
For each attempt of your insurance license exam, you need pay of pay of $51 in Viginia. Furthermore, there are costs like an online application ($15) per license type. You also need to pay $35.72 to Fieldprint for your criminal history record report.
License Renewal Cost:
The cost of Virginia insurance license renewal is $10 per license, and the renewal needs to be done every 2 years. Likewise, you also need to pay a small fee for your Continuing Education (CE) course, and you must complete your Virginia Insurance CE requirements before your license expires.
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Ohio
Insurance Licensing Cost in Ohio
License Type | License Application Cost |
---|---|
Major Lines (Life, Accident & Health, Property, Casualty, Personal) | $10 |
Limited Lines (Auto Rental Credit Crop Travel Funeral) | $10 |
Managing General Agent | $20 |
Public Insurance Adjuster | $100 |
Public Insurance Adjuster Agent | $50 |
Reinsurance Intermediary Broker | $500 |
Reinsurance Intermediary Manager | $500 |
Surplus Lines | $100 |
Please note that additional NIPR processing fees of $5 are applicable in addition to the application fee.
Examination Cost:
The general lines insurance license exam in Ohio which includes Life, Accident, and Health insurance license exam and the P&C insurance license exam costs $42 each. Likewise, you are only looking to take a life insurance license exam, the cost remains the same at $42.
License Renewal Fee:
If you are looking to renew your insurance license in Ohio, you need to complete your CE course and pay the fees for it. Next, you only need to pay $5.60 to NIPR for processing. However, if you do not complete your course and renew your license in time, the late renewal fee is $50.
Pennsylvania
Insurance Licensing Cost in Pennsylvania
License Type | License Cost |
---|---|
Resident Producer Individual | $55 |
Resident Limited Lines Producer Individual | $55 |
Resident Surplus Lines Producer | $200 |
Resident Title Agent | $55 |
Motor Vehicle Physical Damage Appraiser | $55 |
Resident Public Adjuster | $200 |
Examination Cost:
Your Pennsylvania insurance license exam cost will vary by the type of license and how many exams you are planning to give. The life, accident, and health insurance license exam costs $53, the P&C license exam costs $53, life insurance license exam costs $43, and accident and health insurance license exam costs $43.
Insurance License Renewal:
The insurance license renewal cost in Pennsylvania is $55 in addition to your CE course cost. Similar to other states, your insurance license in Pennsylvania needs to be renewed every 2 years, and the Pennsylvania Insurance Department recommends renewing it 60 days (about 2 months) ahead of expiration. If you are late renewing it, then the late license renewal fee is $165 per line of authority. Also, please make sure to complete 24 hours of the Continuing Education course either by taking a self-paced version or an in-person class.
New York
Insurance Licensing Cost in New York
License Type | License Cost |
---|---|
Property/Casualty Agents | $80 |
Life and/or Accident & Health | $80 |
Examination Cost:
The total cost of a New York insurance license exam depends on the number of exams you give. The life, accident, and health insurance license examination costs $33, the P&C license exam costs $33, life insurance license exam costs $33, and accident and health insurance license exam costs $33. Now, if you take 2 exams then your cost totals to $66.
Insurance License Renewal:
In New York, you need to pay $80 per license to renew it every 2 years. Like other states, you must take the CE course, but the New York Department of Financial Services (DFS) only requires you to take 15 hours of the CE course and other additional courses like Insurance Law instruction, diversity, inclusion, and elimination of bias instruction, flood insurance instruction, and ethics and professionalism instruction.
Learn More About Insurance Agent Salary in 2023>>
FAQs
-
Is it mandatory to submit fingerprint impressions in California?
When applying for a non-resident license in California, you are not needed to provide fingerprints if you currently have a valid resident license issued by one of the following states:
Alaska, Idaho, Ohio, Texas, Arizona, Louisiana, Oregon, Utah, Delaware, Montana, Pennsylvania, Washington, New Jersey, South Carolina, Tennessee, Florida, Nevada, and Georgia. -
What does obtaining an insurance license in Pennsylvania typically cost?
Pennsylvania charges $53 for the insurance license exam, $23.85 for fingerprinting, $55 for an online application, and $25 for any revisions.
-
Can I renew my insurance license for free after it expires?
To reinstate a license that has expired, a relicensing application must be submitted. The majority of states charge a nominal fee for late and regular renewal of licenses.
-
What are the non-resident insurance license fees by state?
According to the NIPR, there is a $5.60 transaction fee in addition to the state-wise fee to get a non-resident insurance license.
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