How much does a personal lines insurance license cost?
Costs vary by state, and a personal lines license involves a prep course, an exam, an application, and fingerprinting. As examples, Texas charges a $50 original application fee with a $39 exam fee, and California's personal lines broker-agent license costs $188 for a two-year term. Prep courses commonly cost a few hundred dollars depending on the format you choose.
A personal lines license requires an exam fee, a fingerprint background-check fee charged by the state's approved vendor, and an $80 producer license fee through NIPR. The Personal Lines exam costs $50 and has 100 questions in 2 hours, with 70 correct answers needed to pass. Budget the exam fee again in case you need a retake.
Sources: Alabama Department of Insurance (ALDOI) – Adjuster Requirements; NIPR: Alabama resident individual renewal requirements; University of Alabama: Alabama insurance testing (state exam administrator).
An Alaska Personal Lines license carries an $89 exam fee paid when you reserve the exam, a $75 license application fee, and a $48.25 fingerprint card evaluation fee submitted with the application. Filing a paper application instead of filing electronically at nipr.com adds a $50 fee.
Sources: Pearson VUE: Alaska insurance candidate handbook.
A California Personal Lines Broker-Agent license costs $188 for the two-year filing term, $98 to sit the exam (a $55 state examination fee plus a $43 PSI convenience fee), and $74 for fingerprints through the Department's live scan vendor. Before transacting insurance, you must also file a $10,000 broker bond and a $32 Action Notice of Appointment or similar document.
Sources: California CDI: Licensing fees and schedule of fees and charges; California CDI: Insurance license exam info; California CDI: Resident licensing fingerprint requirements; Cal. Ins. Code Ch. 5 Art. 7: License qualification examinations (1675-1684).
The licensing exam costs $41, and a single fee covers up to two exams taken in one session. The resident license fee is $44 per line of authority (effective April 1, 2026), and nonresidents pay $68 per authority. Prelicensing course fees are separate and vary by provider.
Sources: Pearson VUE: Colorado Insurance Licensing Candidate Handbook (July 2026, #120600).
The Pearson VUE Personal Lines Producer exam costs $90, and the Delaware producer license fee is $125. Resident applicants must also pay for the required State Criminal Background Report. Unlike the other major lines, Personal Lines cannot share a single same-day exam fee with another exam.
Sources: Pearson VUE: Delaware Insurance Candidate Handbook (June 2025).
DC does not charge a separate personal lines fee. You earn personal lines authority through the Property and Casualty grouping, and the individual producer license costs $100 for a two-year term, with the same fee for residents and nonresidents. Budget $75 for each Pearson VUE exam and $31.50 for the fingerprint and background check.
Sources: DC DISB: Insurance Bureau schedule of fees, taxes and deposits; Pearson VUE: District of Columbia insurance candidate handbook; DC DISB: Fingerprinting requirements.
The Florida 20-44 personal lines license costs $55 in state application fees ($50 application plus $5 license ID), plus a $44 exam fee paid to the examination vendor and a $52.50 fingerprint fee plus local county sales tax paid to the fingerprinting vendor. You must also complete a department-approved 60-hour prelicensing course, and course prices vary by provider.
Sources: Florida DFS: fees and payment methods; Pearson VUE — Florida Insurance Examination Content Outlines (effective January 1, 2026); Florida DFS: 2-15 resident life, health and variable annuity agent qualifications.
An Idaho Personal Lines license costs $65 for the exam, plus fingerprinting at $65 for the electronic process or $61.25 for the hard-card process, plus an $80 license application fee paid through NIPR. All fees are non-refundable. Renewal, due every two years, costs $60 when completed electronically or $80 on paper.
Sources: Idaho DOI: Testing and fingerprints; Idaho Department of Insurance — Testing and Fingerprints page; Idaho Department of Insurance — Limited Lines Producer licensing page, consistent with IDAPA 18.01.02.030 (Schedule of Fees, Rule 18.01.02).
The Personal Lines exam (PSI Series 107) costs $36, and exam fees are not refundable or transferable. You also file the license application through the National Insurance Producer Registry (NIPR) and complete fingerprinting through IdentoGo to be licensed.
Sources: PSI: Louisiana Department of Insurance candidate information bulletin.
A Maine resident Personal Lines producer license costs $25 in state fees, made up of a $15 application fee and a $10 license fee. The Pearson VUE Personal Lines exam adds $55, and Maine also requires 16 credit hours of prelicensing education unless the applicant has at least 6 months of relevant insurance experience. A nonresident Personal Lines license costs $55 in state fees.
Sources: Maine BOI: Producer frequently asked questions; Maine BOI: Individual and business entity fee schedule; Pearson VUE — Maine Personal Lines Insurance Content Outline (publication 122006) / Maine Insurance Licensing Candidate Handbook (publication 122000); Maine Rule 02-031 C.M.R. ch. 542, § 4 (Minimum Educational Requirements), as published by Cornell Legal Information Institute.
A Mississippi Personal Lines producer license costs $100 in license fees, plus the $50 Pearson VUE examination fee paid at the time of reservation. The license is valid for 2 years and renews for $100 biennially. Exam fees are non-refundable except under Pearson VUE's change and cancel policy.
Sources: Pearson VUE: Mississippi insurance candidate handbook (PDF, July 2025).
Montana does not issue a combined personal lines license; the state licenses property and casualty separately, each with its own exam. Each exam costs $65, the resident producer application fee is $0, and fingerprinting requires a $30 payment to Montana Criminal Records. Exams must be passed with a score of 75% or better.
Sources: Pearson VUE: Montana insurance candidate handbook (June 2025); NIPR: Montana resident individual licensing requirements; Montana CSI: Fingerprints for insurance licensing purposes.
A Nebraska Personal Lines license involves a $43 PSI exam fee plus a $50 application fee paid at NIPR.com. Nebraska requires no pre-licensing education, so study materials are optional and their cost is your choice. The application is processed in 3-5 business days when the background questions are answered "no".
Sources: PSI: Nebraska Insurance Licensing Examination Candidate Information Bulletin; Nebraska DOI: Licensing Fee Schedule (7/17/2026).
A New Hampshire personal lines producer license costs $59 for the PSI personal lines exam (series 12-86), plus $210 for the initial license. The exam fee is non-refundable and must be paid each time you take the exam. The biennial renewal fee is $150.
Sources: PSI: New Hampshire insurance candidate information bulletin; New Hampshire NHID: Licensing fees.
An initial Personal Lines license costs $94, made up of a $50 registration fee and a $44 application processing fee, plus a $5.60 NIPR electronic transaction fee. You must also pay Pearson VUE a $45 exam fee for each attempt, and a one-time $38 fingerprint fee is charged with the initial application.
Sources: North Carolina NCDOI: Resident license application fees; North Carolina NCDOI: Licensing checklist for new resident license; Pearson VUE: North Carolina insurance candidate handbook (October 2025); North Carolina NCDOI: Resident licensing requirements chart.
A North Dakota personal lines license costs $58 for the PSI exam, $100 for the initial application submitted through the National Insurance Producer Registry (NIPR), and fingerprint fees of $43 payable to the North Dakota Attorney General plus a $29 PSI processing fee for resident applicants. The state also adds NIPR transaction fees at application, and renewal costs $25 every two years.
Sources: North Dakota NDID / PSI: Insurance licensing examination candidate information bulletin (Dec 27, 2024); North Dakota NDID: Apply for a resident producer license; North Dakota NDID: Producer fee information.
The Property & Casualty Personal Lines exam costs $38, and the resident producer license fee is $60. A non-resident license costs $100 and requires no exam, but adds a $20 service-of-process fee. National Insurance Producer Registry (NIPR) transaction fees are charged on top of the state fee.
Sources: Oklahoma PSI: Insurance Licensing Examination Candidate Information Bulletin; Oklahoma OID: License Fee Schedule (revised 09/07/2023).
A resident personal lines license in Rhode Island costs $120 for the two-year license fee, plus $80 for the Pearson VUE exam and $5 for the certified background check from the state Attorney General. Nonresidents pay a $130 license fee and do not take the exam if they hold an active producer license in their resident state.
Sources: Rhode Island Department of Business Regulation — Insurance Regulation 103 / 230-RICR-20-50-5 (Licensing and Renewal Fees); Pearson VUE: Rhode Island insurance content outlines (effective May 28, 2026); 230-RICR-20-50-5: Licensing and renewal fees.
A personal lines license is a line of authority on the South Dakota insurance producer license. The resident application fee is $25 plus a service fee, paid when the application is filed online through the National Insurance Producer Registry (NIPR). Exam scheduling through Pearson VUE costs $25 for residents and $30 for nonresidents.
Sources: SDCL 58-2-29: Division of Insurance fee schedule.
A Vermont personal lines license is a producer line of authority, so it carries producer-level costs. The exam fee for the Personal Lines exam (Series 14-39) is $52, and the application requires a $30.00 application fee plus a $30.00 license fee, for $60 in state fees on the NIPR electronic application.
Sources: Prometric: Vermont insurance licensing information bulletin; Vermont DFR: Producer license; NIPR: Vermont resident individual licensing requirements.
Wyoming residents pay a $100 application fee for a personal lines license, the same fee charged for any combination of Property, Casualty, and Personal Lines lines. You must also pay a $39 fingerprinting fee for the background check and the exam fee that Pearson VUE charges for the licensing exam. Nonresidents pay $150.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs.