How do I get a property and casualty insurance license?

Most states follow the same sequence: complete any required prelicensing education, pass the state licensing exam, get fingerprinted for a background check, and submit a license application. Prelicensing hours vary widely, from none in states like Texas to 200 hours for Florida's general lines course. You apply through the National Insurance Producer Registry (NIPR) or the state's portal, and most states review applications within 7 to 10 days.

Pass the combined Property and Casualty exam, then complete three more steps. The exam costs $75, covers 150 questions in 3 hours, and requires a 70% score; schedule it through the University of Alabama at least 7 days in advance. Next, get fingerprinted through Fieldprint after passing and at least one day before applying. Then apply online through the National Insurance Producer Registry (NIPR) for the $80 producer fee. You must be 18 or older and submit proof of U.S. citizenship within 10 days, or the state rejects the application with no refund.

To get a resident Property and Casualty producer license, you must be at least 18, be an Alaska resident, and pass the Property and Casualty exams, each with a general portion and an Alaska law portion. You then file the application electronically through the National Insurance Producer Registry (NIPR) at nipr.com, pay the $75 fee, and submit one fingerprint card with the $48.25 fingerprint evaluation fee. Your exam scores must be less than one year old when you file the application.

Pass the Arizona property and casualty exam through PSI: the combined Property and Casualty exam (Series 13-34, $59), or the separate Property ($50) and Casualty ($42) exams, each requiring 70% correct. Then submit fingerprints through the state's electronic process ($8.25 to Fieldprint and $22.44 to the Arizona Department of Public Safety) and apply through NIPR with the $120 license fee within one year of passing.

Complete the required prelicensing education for the Property and Casualty lines, then submit the resident application through the National Insurance Producer Registry (NIPR) with a $20 fee before scheduling the exam. Complete the criminal background check; once the Arkansas Insurance Department approves the application, PSI sends an email confirmation. Pass the combined Property/Casualty exam with a 70% score (a $50 exam fee paid at scheduling), and you can print your license from NIPR 24 hours after passing.

California resident applicants complete four steps: pass the combined Property and Casualty exam (150 questions, 60% to pass) scheduled through PSI; complete the 12-hour ethics and California Insurance Code course; apply online through Sircon ($188 filing fee for the two-year term); and submit fingerprints through CDI's live scan vendor ($74). The fingerprint requirement must be fulfilled before the license can be issued.

Complete the required prelicensing training for Property and for Casualty from an approved provider, then pass the Pearson exam for each line. The $41 exam fee covers up to two exams in one session. After passing, apply online at sircon.com or nipr.com; the resident license fee is $44 per line of authority as of April 2026. Passing scores are valid for one year, and the application must be received within that window.

Complete 40 hours of approved pre-licensing education for the combined Property & Casualty line (20 hours for Property alone or Casualty alone), then pass the Pearson VUE combined exam ($105, 2.5 hours, 70% passing score). After passing, apply online through the National Insurance Producer Registry (NIPR); the individual producer application fee is $140.

Delaware issues property and casualty authority through an insurance producer license. You must be at least 18, pass the Delaware Property and Casualty producer exams administered by Pearson VUE, and submit fingerprints for a state and FBI criminal history report (Delaware State Police service code 27S46Z). You then apply electronically through the National Insurance Producer Registry (NIPR) and pay the $150 license fee, which reflects the $25 increase effective May 7, 2025. Exam score reports are valid for 12 months.

To earn a DC property and casualty producer license, you pass the Property exam and the Casualty exam, which DC offers separately with no combination option, each costing $75 and requiring a scaled score of 70. Pearson VUE administers both, and you must reserve at least 24 hours ahead. Starting 24 hours after passing, you apply electronically at www.nipr.com, and you must apply within 1 year.

To sell property and casualty insurance in Florida, you must earn the 2-20 General Lines agent license. Complete a 200-hour department-approved course within four years of applying (or qualify through one year of responsible duties plus a 40-hour course), then apply online through MyProfile with a $50.00 application fee and a $5.00 License ID fee. You must also be fingerprinted through IdentoGO ($52.50 plus county sales tax) and pass the Pearson VUE state exam ($44.00). Your license is valid only after an insurer appoints you.

Complete Georgia's approved 16-hour Property and Casualty prelicensing course (8 hours Property plus 8 hours Casualty), then pass the Pearson VUE P&C exam. Next, submit your online application at sircon.com/georgia with the $120 fee, a completed notarized Citizenship Affidavit (form GID-276-EN), and electronically submitted fingerprints. Georgia requires you to apply for Property and Casualty together, since the state does not license just one of the two.

Property and Casualty are separate lines of authority in Idaho, so you must pass a $65 exam for each. After passing, you submit fingerprints for a background check ($65 for electronic fingerprinting or $61.25 for the hard-card process), then apply online through the National Insurance Producer Registry (NIPR) with an $80 fee. You must also email your fingerprint receipt, the completed background-check form, and your exam pass confirmations to the Department of Insurance.

Complete 20 hours of approved pre-licensing education for each line, including 7.5 classroom hours per line. Then pass the General and State exams for each line through Pearson VUE with a score of 70 or higher, bringing your pre-license course certificate to the test center. Wait 5 days after passing, then apply online at www.nipr.com and pay the $215 resident producer license fee, which is prorated to your birth-month expiration date. Illinois no longer accepts paper applications.

Indiana issues a Property and Casualty producer license in three steps. First, complete a 40-hour Property and Casualty pre-licensing course from a state-approved provider. Second, pass the Pearson VUE exam, which requires a 70% score and costs $69. Third, apply online through Sircon or NIPR with a $40 nonrefundable fee. You must pass the exam and apply for the license within six months of course completion.

You must be at least 18 and pass two separate exams: Property (12-IA-03) and Casualty (12-IA-04), each 2 hours and $44 through Pearson VUE. Allow up to 3 business days for results to reach the National Insurance Producer Registry (NIPR) system, and apply within 90 days of passing. Submit the application through NIPR with the $50 fee, then complete fingerprinting at a Fieldprint site using the code in the confirmation email ($37.35 in Iowa) and allow 22 business days for review.

To get a Kansas property and casualty (P&C) producer license, you must be at least 18, pass the Kansas P&C exam administered by Pearson VUE (70% passing score; $64 for the combined exam), and apply online through the National Insurance Producer Registry (NIPR). Kansas requires no pre-licensing education for any line of authority. You must also be fingerprinted for a criminal background check ($60 fee), upload a Certificate of Tax Clearance from the Kansas Department of Revenue to the NIPR Attachment Warehouse, and pay the $30 application fee.

To get a Kentucky property and casualty license, complete 20 hours of prelicensing education for each line of authority, then apply through the National Insurance Producer Registry (NIPR) and pay the $40 license fee plus $40 per line. Order a criminal background report from the Kentucky Administrative Office of the Courts (AOC) FastCheck portal; it is valid for 60 days. After the Department processes your application, create a Kentucky eServices account, then pass the property and casualty exams with a 70% score.

First schedule and pass the Series 106 Property and Casualty exam with PSI ($58 fee); Louisiana requires no prelicensing education for the exam. Then submit your license application through the National Insurance Producer Registry (NIPR) and get fingerprinted at an IdentoGo/Idemia location, which has sites throughout Louisiana. You can schedule the exam online or by phone at (855) 579-4644.

First, reserve the combined Property & Casualty exam through Pearson VUE online or by phone at least 24 hours ahead and pay the $80 fee at the time of reservation. The exam runs 3 hours 30 minutes and requires a scaled score of 70 to pass. After passing, submit a license application and fee to the Maine Bureau of Insurance; incomplete applications are returned and issuance delayed.

You must be at least 18 years old and pass the Maryland Property and Casualty exam through Prometric, scoring 70% or higher. Then apply online through the National Insurance Producer Registry (NIPR) with the $54 fee; complete applications are verified in 1-7 business days, with final determination processed in 7-10 business days. Before selling for an insurer, you must also receive written documentation of an appointment from that insurer.

Pass the Property Producer exam and the Casualty Producer exam, each $37 through Pearson with a passing scaled score of 70. Then apply through the National Insurance Producer Registry (NIPR) with the required fees; the Massachusetts Division of Insurance reviews your application and issues the license upon approval. Each exam is given in person at a Pearson test center, and reservations must be made at least 48 hours in advance.

To get a Michigan property and casualty license, complete 40 hours of pre-licensing education from a Michigan-approved provider, then pass the combined Property and Casualty Producer/Solicitor exam (150 items, 2.5 hours, 74% cut score) administered by PSI. Next, file an Electronic Resident Licensing application through NIPR, which costs a $10.00 state fee plus a $5.00 transaction fee. Finally, an insurer must appoint you before you can act as its agent, because brokers who represent consumers are not allowed in Michigan.

Complete 20 hours of Department of Commerce-approved prelicensing education per line of authority, pass the PSI exam with at least 70% correct, submit fingerprints, and file the producer license application online through Sircon or NIPR. The combined Property & Casualty exam costs $45 and allows 3 hours. The license fee is $50 plus $50 per line of authority, plus a technology fee.

Complete 20 hours of approved prelicensing education for each line of authority, Property and Casualty, then pass the licensing exam, which has 90 scored questions plus 10 pretest questions on property and casualty policies, insurance terms, and Mississippi law. Holders of current AAI, ARM, CIC, or CPCU designations are exempt from the prelicensing education requirement, as are applicants with an insurance degree from an accredited institution.

To get a Missouri property and casualty producer license, you must be at least 18 years old, pass the licensing exam, and submit an application with the $100 fee; no prelicensing course is required. Schedule the combined Property and Casualty exam (code 55) through Pearson VUE, then apply online with the Missouri Department of Commerce and Insurance 24 to 48 hours after passing. The license is valid for 2 years, and an insurance company must appoint you before you sell policies.

Montana's resident licensing process has four steps. Pass the Property and Casualty exams through Pearson VUE at $65 each with a passing score of 75%; these are separate exams with 82 and 87 scoreable questions. Apply for the resident Insurance Producer license through the National Insurance Producer Registry (NIPR), which charges no state application fee. Submit the signed Applicant Rights and Consent to Fingerprint Form, then send your fingerprint card and the $30 fee directly to the Montana Criminal Records Division, not to the state insurance office.

Pass the exam, then apply online. Register with PSI and take the Property exam and the Casualty exam ($43 each) or the combined exam ($47); all require a 70% score. PSI uploads results to the Nebraska Department of Insurance within 2-3 business days, after which you apply at NIPR.com (National Insurance Producer Registry) and pay the $50 resident fee. Processing takes 3-5 business days, and you then print the license at NIPR.com.

Nevada requires no prelicensing education hours for producer applicants (NRS 683A.251, per NAIC chart PR-20), so you can go straight to the licensing exam. Schedule the Property and Casualty exams with Pearson VUE ($47 for the combined exam, or $37 per single line, per the October 2024 candidate handbook) and pass with a scaled score of 70. Then apply online through NIPR or Sircon with a $185 state fee, submit fingerprints within 90 days of applying, and apply within one year of passing. You must be at least 18 years old.

Resident applicants must pass the New Hampshire Property and Casualty producer exam (PSI series 12-64, $72) before applying. After passing, you submit the NAIC Uniform Application online through the National Insurance Producer Registry at nipr.com and pay the $210 producer license fee, with your original passing exam results on file. New Hampshire requires no prelicensing course and no fingerprints.

Complete 40 hours of approved prelicensing education, then pass the PSI exam for each line (Property and Casualty) with a score of at least 70%. Next, complete Live Scan electronic fingerprinting ($66.05, producer code 2F16Y3), which typically books within 7 to 10 days. Finally, apply online through the National Insurance Producer Registry (NIPR); the standard electronic application costs $170 in state fees.

To get a New Mexico property and casualty producer license, you must be at least 18 and pass the property and casualty exam administered by PSI with at least 70% correct. Next, complete the fingerprint background check through IdentoGO using OSI service code 2BH27J, which costs $67. Then apply online through NIPR, where the application fee is $30. Allow at least 48 hours after passing the exam before submitting your application, because exam results must post to NIPR first.

To get a New York P&C license, complete a Department-approved prelicensing course of at least 90 hours, then pass the PSI-administered exam with a 70% score. Apply for the license within 2 years of passing, through the Department of Financial Services online portal. New York residents pay an $80 fee, and licenses run up to 2 years, expiring on the birthday in the odd- or even-numbered year matching your birth year. A company appointment is not required to obtain an agent license, but one must be filed within 15 days of the agency contract or first application for the agent to sell.

Apply online through NIPR, where Property and Casualty each count as a line of authority with a $50 registration fee, plus a $44 application processing fee. You must be at least 18, pass both the Property and Casualty exams ($45 each through Pearson VUE), and pay the $38 fingerprint fee with the initial application. No license is issued until all requested exams are passed, and every requirement must be completed within six months of the application date. An insurance company appointment is required before you can sell with the license.

North Dakota issues property and casualty as separate lines, so you must pass a Property exam and a Casualty exam, each $64 with a 70% passing score and 150 minutes allowed. You must also submit hard-copy fingerprint cards with a $43 fee payable to the North Dakota Attorney General and a $29 PSI processing fee. Then apply through the National Insurance Producer Registry (NIPR) with the $100 fee; you may transact business once the department approves the application.

You must be at least 18, have residence or a principal place of business in Ohio, be a US citizen or legally authorized to work in the US, and pass Ohio Bureau of Criminal Investigation (BCI) and FBI fingerprint checks. Complete 20 hours of approved pre-licensing education for each line, then pass the PSI exam with a score of at least 70%. Finally, apply through the National Insurance Producer Registry (NIPR) with a $10.00 fee per line of authority.

Pass the PSI Property and Casualty exam, which costs $38 and requires no prelicensing coursework. Wait 3 business days for your results to reach the state and national databases, then apply online through the National Insurance Producer Registry (NIPR) for the $60 resident fee. The Oklahoma Insurance Department processes producer applications in 5-7 business days, and your exam score stays valid for 2 years from the test date.

To get an Oregon property and casualty producer license, complete 20 hours of prelicense education per line, pass the PSI Property and Casualty exam (70% minimum, $55 combined fee), submit fingerprints for a background check ($61.25), and apply online through the National Insurance Producer Registry (NIPR), where the state fee is $100. Oregon places all lines of authority on one license.

To get a Pennsylvania property and casualty producer license, pass the licensing exam through PSI (the combination exam 16-06 costs $55; the single-line property and casualty exams cost $45 each), then apply online through Sircon or NIPR, paying the $55 state fee as a resident. After you apply, get fingerprinted at an IdentoGO enrollment center using the Insurance Department service code 1KGBGJ; the criminal history report fee is $26.20, and you must not submit fingerprints before applying. You must be at least 18 years old, and your exam scores stay valid for 12 months.

To get a property and casualty producer license in Rhode Island, you must be at least 18 years old, pass both the Property and Casualty producer exams with Pearson VUE, and wait 3-5 days for the results to post for electronic verification. You must also provide a certified background check (BCI) from the Rhode Island Attorney General and apply through the National Insurance Producer Registry (NIPR); the resident license fee is $120 for a two-year term. All resident producers selling insurance must carry errors and omissions (E&O) insurance.

To get a South Carolina property and casualty producer license, first pass the required exam through Pearson VUE, either the combined Property, Casualty, Surety and Marine exam or the separate Property and Casualty exams. Apply online through the National Insurance Producer Registry (NIPR) 48 hours after passing, and pay the $25 resident license fee. After applying, submit fingerprints as directed in the email the department sends, which supports state and national criminal checks. You must be at least 18 years old and of good moral character.

Pass the written licensing exam for the property and casualty lines, then apply online through the National Insurance Producer Registry (NIPR) and pay the $25 fee plus a service fee. No pre-licensing education is required in South Dakota. Before issuing the license, the director of insurance must find that you are at least 18 years old, have paid all required fees, and have passed the exams for the lines you applied for.

You must be at least 18 and a Tennessee resident. Complete 20 hours of pre-licensing education per line through an approved provider, then pass the Pearson VUE exam for each line with a 70% score. Next, complete fingerprinting through IdentoGO at least 2 business days before applying, wait 48 hours after your exam, and submit your application with the $50 fee at www.nipr.com. The license issues once the state confirms your exam results and all other requirements are met.

Pass the Pearson VUE licensing exam first, then begin your application on the Texas Department of Insurance (TDI) online portal to receive a fingerprint service code and get fingerprinted through IdentoGO. Next, apply for the license through Sircon or the National Insurance Producer Registry (NIPR) within one year of passing the exam and pay the $50 application fee. You must be at least 18 years old, and you must attach the fingerprint receipt to your application.

Register with Prometric (prometric.com/utah/insurance or 888-226-8740) and pass the combined property and casualty producer exam (code 17-04), a 150-question, 2.5-hour test. After passing, apply online at the Prometric test-center kiosk through SIRCON or NIPR, then be fingerprinted at the test center. You must be at least 18, a Utah resident, provide a Social Security Number, and meet the character requirements in Utah Code 31A-23a-107.

Vermont requires no prelicensing education, so you go straight to the exam. Pass the Prometric Series 14-31 Property and Casualty exam, wait 48 hours after passing, then submit an electronic application through the National Insurance Producer Registry (NIPR). The license term runs April 1 to March 31 of odd-numbered years, and fees are not prorated.

To get a Virginia resident P&C license, first pass the Prometric Series 11-03 exam, which costs $35 and has 135 scored questions plus 10 pretest questions in a 2.5-hour sitting. Then complete fingerprinting at a Fieldprint site using live scan technology, which sends your prints to the Virginia State Police and the FBI. Finally, apply through the National Insurance Producer Registry (NIPR) and pay the $15 fee. You must be at least 18, your fingerprints must be no older than 90 days when you apply, and you must obtain the license within 183 days of passing the exam.

First, pass the Property and Casualty exam through PSI, which costs $55 for the combined exam or $38 per single line. Then apply for your license online through the Office of the Insurance Commissioner or the National Insurance Producer Registry (NIPR) and pay the $55 license fee. After you apply, submit fingerprints electronically through Idemia (IdentoGO); the fingerprint fee is $52.00 as of October 1, 2026. You must submit the application, fingerprints, and any conviction documentation within 180 days of passing the exam, or you must retake it.

To get a West Virginia Property and Casualty producer license, complete 20 hours of approved pre-licensing education per line, then pass the Pearson VUE exam with a score of 70 or higher. After passing, schedule fingerprinting through Identogo using the state commission's service code 228NS5 ($47.25) and apply through the National Insurance Producer Registry (NIPR) with a $50 fee. Fingerprints are valid for only 60 days, so you must schedule them after passing the exam.

To get a Property and Casualty license in Wisconsin, complete prelicensing education with an approved provider (8 shared hours plus 12 hours for each line, with the shared hours counted only once within 12 months), get fingerprinted through Fieldprint, and pass the PSI exam for each line with a score of 70% or higher. Then wait 48-72 hours for scores to record with the National Insurance Producer Registry (NIPR) and apply online at nipr.com. The resident license fee is $75 per line of authority plus a $10 application fee.

To get a Wyoming property and casualty license, you must be at least 18, pass the Wyoming Insurance Licensing Exam for the Property and Casualty lines of authority through Pearson VUE, then apply online through Sircon and pay the $100 resident fee. After you apply, the Department of Insurance mails you a fingerprinting packet for the required background check, which carries a $39 fee. Typical turnaround from application to issuance is 30 days.