How much does it cost to get an insurance license?

The total varies by state, but you pay for four items: any required prelicensing course, the licensing exam, the license application, and fingerprinting where required. Application fees range widely, from $50 in Texas to $215 in Illinois, with California at $188 for a two-year license. NIPR adds a $5.60 transaction fee to online applications, exam fees typically run roughly $40 to $150 per attempt, and fingerprinting costs about $44 to $74 in states that require it. Most applicants spend several hundred dollars in total.

Required fees for an Alabama producer license are the exam fee, a fingerprint background-check fee charged by the state's approved vendor, and the $80 license fee paid through the National Insurance Producer Registry (NIPR). A single-line exam such as Life, Health, Property, Casualty, or Personal Lines costs $50, while the combined Life & Health or Property & Casualty exams cost $75. Alabama has not required prelicensing education since January 1, 2024, so there is no mandatory course fee.

In Alaska, the fees for an insurance producer license are the $89 exam fee paid to Pearson VUE at reservation, the $75 application fee, and the $48.25 fingerprint card fee. Filing a paper application when electronic filing is available adds $50. Alaska's licensing criteria do not include a prelicensing education requirement, so course costs are optional.

The main Arizona costs are the exam fee ($42-$59 depending on the line of authority), $30.69 in fingerprint fees ($8.25 to Fieldprint plus $22.44 to the Arizona Department of Public Safety), the $120 state license fee, and a $5.60 NIPR transaction fee. Study materials are an optional expense in Arizona, because the state requires no pre-licensing education.

An Arkansas producer license with an exam-required line carries two state fees: a $20 application fee paid through the National Insurance Producer Registry (NIPR) at application and a $50 PSI exam fee, paid by credit card at registration. Adjuster exams cost $40 each. Most producer lines also require a prelicensing education course, and course prices vary by provider.

Costs vary by license type, but typically include:

• Education costs (starting at $59 with RealEstateU)
• State exam fee
• Fingerprinting fee
• State license application fee

Colorado's state fees, effective April 1, 2026, are $41 for the licensing exam (one fee covers up to two exams in one session) and $44 per line of authority for a resident producer license, or $68 per line for a nonresident. Renewal costs $27 per authority for residents and $40 for nonresidents. A Surplus Lines license costs $141 for residents and $291 for nonresidents. Prelicensing course prices are set by each provider, so the total depends on the course you choose.

The main costs are the pre-licensing course, the Pearson VUE exam, and the $140 individual producer application fee paid through the National Insurance Producer Registry (NIPR). Single-line exams cost $65, and combined Life, Accident & Health or Property & Casualty exams cost $105, as of March 2026. Producer licenses renew every two years in the licensee's birth month for $160, and a late renewal totals $320.

The main costs are the exam and the license. Pearson VUE charges $90 per exam, and scheduling two major-line exams on the same day counts as one fee (Personal Lines is excluded). The producer license fee is $125 for residents and nonresidents. Residents must also obtain a state criminal background report, and because Delaware requires no prelicensing course, any exam-prep cost is optional.

The Pearson VUE exam fee is $75 per examination in DC, payable at reservation by credit card, debit card, or voucher, and exam fees are non-refundable and non-transferable except under the change and cancel policy. DISB charges separate fees at application. After passing the exam, you apply electronically at www.nipr.com within 1 year.

Plan for three main costs: the Pearson VUE exam fee of $67 per attempt, the license application fee of $120 ($100 license plus $20 processing), and a fingerprinting fee for the required criminal background check. Applicants who hold qualifying designations such as CLU, FLMI, or CPCU can waive the prelicensing course and exam, which removes those costs from the total.

The main Idaho licensing fees are $65 per exam (each line of authority is its own test), $65 for electronic fingerprinting or $61.25 for the hard-card process, and an $80 application fee. A Property and Casualty license requires two exams, one for each line. Study materials, if you buy them, are a separate cost, and all fees are non-refundable.

An Illinois resident producer license costs $215 in state fees, plus the $5.60 NIPR transaction fee for filing online. Before that, each licensing exam costs $92, which includes a $50 Illinois administrative fee; ordering the General and State exams for one line on the same order discounts the pair to $92 total. Pre-licensing course prices vary by education provider.

In Indiana, the resident producer application fee is $40 per license (nonrefundable), plus an online processing fee, and the Pearson VUE exam fee is $69 for the major lines (Life, Health, Life & Health, Property and Casualty, Personal Lines) or $50 for exams such as Surplus Lines, Public Adjuster, and Laws & Regulations. You must also pay for a pre-licensing course, and course prices vary by provider. Pearson VUE also offers optional online practice tests for $19.95.

As of 2026, each Iowa licensing exam costs $44, the license application fee is $50, and fingerprinting at an Iowa Fieldprint site costs $37.35 ($39.35 outside Iowa). Property and casualty are separate lines of authority, so a candidate who wants both pays two exam fees. Iowa has no pre-licensing education requirement, so any course cost is optional, and renewal every three years costs $50.

You pay three main state fees for a Kansas resident insurance producer license: a $30 application fee, a $60 fingerprint background check fee, and the exam fee of $57 for a single-line exam or $64 for a combination exam such as Life and Accident and Health. Renewal costs $4 every two years. Optional exam-prep courses, which Kansas does not require, add to the total if you choose one.

Kentucky charges $40 for a resident agent license, $40 for each line of authority, and a $50 exam fee for each line that requires an examination. The criminal background report from the Kentucky Administrative Office of the Courts carries a separate nonrefundable fee, and prelicensing course prices vary by provider, so total out-of-pocket costs run higher than the state fees alone.

The PSI exam fee is $36 for single-line producer exams such as Life or Health, $58 for the combined Life, Health and Accident or Sickness or Property and Casualty exams, and $19 for limited lines such as Title, Surety, or Bail Bond. You must also file the license application through the National Insurance Producer Registry (NIPR) and complete fingerprinting through IdentoGo to be licensed. Exam fees are not refundable or transferable.

Per the March 2026 Pearson VUE fee schedule, single-line and limited-lines exams, such as Life, Property, or Personal Lines, cost $55 each, while the combined Life, Accident & Health and Property & Casualty producer exams cost $80. A separate license application fee also applies after you pass, paid to the Maine Bureau of Insurance.

A Maryland insurance producer license requires two government fees: $65 for each Prometric exam attempt and $54 for the license application. Both fees are non-refundable. Exam prep courses are optional, because Maryland repealed its prelicensing education requirement effective October 1, 2024, so any study-material cost varies by provider.

As of June 2026, each producer exam costs $37: Life, Accident and Health, Property, Casualty, and Personal Lines are each separate $37 exams. The Limited Lines Credit exam and the adviser exams cost $10, and the Motor Vehicle Damage Appraiser exam fee is payable to the Division of Insurance rather than Pearson. You also pay required fees when you apply through the National Insurance Producer Registry (NIPR) after passing. Exam fees are non-refundable and non-transferable.

For a Michigan producer license, the PSI exam costs $41 per attempt and the resident license application costs $10.00 plus a $5.00 National Insurance Producer Registry (NIPR) transaction fee, or $15.00 total. Pre-licensing course prices vary by provider. Michigan producer licenses carry no renewal fee; instead, resident producers must earn 24 continuing education credits every two years, including 3 in ethics.

For one line of authority, the fixed vendor fees are a $45 producer exam fee paid to PSI (adjuster exams are $25) and $66.75 for fingerprinting at a PSI test site. The application through Sircon carries its own fees, and the required prelicensing course is a separate cost that varies by provider.

The Mississippi insurance producer license fee is $100, and each Pearson VUE exam attempt costs $50, paid at the time of reservation by credit card, debit card, or voucher. Exam fees are non-refundable and non-transferable except under Pearson VUE's change and cancel policy. Prelicensing course costs vary by education provider.

The required costs are the exam fee and the license application fee: $32 for a single-line producer exam ($40 for the combined Life, Accident and Health or Property and Casualty exams) and a $100 application fee paid to the Missouri Department of Commerce and Insurance. Missouri requires no prelicensing education, so there is no mandatory course cost, though optional exam prep courses are sold at varying prices. The license renews every 2 years for $100.

The Montana licensing exam costs $65 per attempt, and the fingerprint background check costs $30, payable to Montana Criminal Records. The resident insurance producer application carries no state fee. If you do not pass the exam, each retake costs another $65, and nonresident producer applications cost $100.

In Nebraska, a single-line licensing exam costs $43 and a combined exam costs $47, and the resident producer application fee is $50. The state does not provide or approve study materials, so prep course costs vary by provider. Each two-year renewal adds another $50.

In Nevada, the main costs are the Pearson VUE exam fee of $37 for a single-line exam or $47 for a combined exam, the $185 state licensing fee, and a $5.60 NIPR transaction fee if you apply through NIPR. Fingerprinting for the background check adds a separate charge, and you can print your license free through Sircon for the first 30 days after issuance. Most applicants pay a few hundred dollars in total.

Getting licensed in New Hampshire costs the exam fee plus the $210 license application fee. PSI exam fees run $59 for single lines such as Life or Accident and Health and $72 for combined exams like Life, Accident and Health (12-63) or Property and Casualty (12-64). New Hampshire requires no prelicensing course and no fingerprints, so there are no separate education or background-check costs. The biennial renewal fee is $150.

The regulatory fees are $38 for the PSI licensing exam, $66.05 for Live Scan fingerprinting, and $170 in state fees for the standard electronic application ($150 license fee plus $20 processing). Prelicensing course prices vary by provider, and each additional exam line costs another $38.

New Mexico's mandatory licensing fees for an insurance producer are $75 for the exam paid to PSI, $67 for the national background check through IdentoGO using OSI service code 2BH27J, and $30 for the application filed through NIPR. The state does not require prelicensing education, so any study course is optional and priced by the provider. The exam fee is not refundable and is valid for one year from payment.

For a New York resident, the regulatory costs are a $40 examination fee paid to PSI Services and an $80 license fee charged when the license is issued for more than one year, or $40 for one year or less. Add the cost of a prelicensing course, which varies by provider and line of authority. All state licensing fees are non-refundable.

A producer license in North Carolina costs a $44 application processing fee plus a $50 registration fee for each line of authority, with a $5.60 transaction fee for each electronic submission. Fingerprints for an initial license add $38.00, and each exam attempt through Pearson VUE costs $45.00. One line of authority therefore totals $94 in state fees before the exam and fingerprint charges.

The required fees for a North Dakota insurance producer license are $64 for a major-line exam such as Life and Annuity or Accident and Health ($58 for lines like Personal Lines), $43 for the fingerprint background check paid to the North Dakota Attorney General (effective October 1, 2026), $29 for PSI fingerprint processing, and $100 for the application filed through the National Insurance Producer Registry (NIPR). Property and casualty candidates pay the $64 exam fee twice, once for each line. Optional study courses add cost, and North Dakota does not require them.

In Ohio, the state fees are $10 per line of authority for the license application, $49 for each exam sitting, and up to $72.25 for the BCI and FBI fingerprint checks. Pre-licensing course prices vary by provider, so your total depends on how many lines you pursue and which course you choose.

The required state fees for an Oklahoma resident producer license are $38 for the exam and $60 for the application. Study materials are optional because Oklahoma does not require prelicensing education; the Kaplan study manuals cost $35 in print, $20 as a PDF, or $30 as an eBook. A prelicensing prep course, if chosen, adds to the cost.

In Oregon, expect four costs: prelicensing education (price varies by school; courses typically run from about $139 to $350), the PSI exam ($45 for a single line, $55 for a combined test), fingerprints and the background check ($61.25), and the license application (a $100 state fee online through NIPR, plus NIPR's $5.60 transaction fee).

For a Pennsylvania resident producer license, the main costs are the $45 single-line exam fee ($55 for a combination exam), the $55 application fee, and the $26.20 fingerprinting fee paid at the IdentoGO center. Applying online adds about $12.50 in service fees through Sircon, or a $5.60 transaction fee if you apply through NIPR. Exam fees are not refundable, and each retake requires paying the full fee again.

In Rhode Island, the main licensing costs are the $80 exam fee paid to Pearson VUE at reservation and the $120 resident producer license fee paid with the NIPR application, for a two-year term. The certified background check (BCI) from the Attorney General costs $5. You must also carry errors and omissions (E&O) insurance to sell, solicit, or negotiate insurance. Optional costs, such as exam prep and Pearson VUE's $19.95 practice tests, are extra.

Getting licensed as a producer in South Carolina costs $59 for each licensing exam paid to Pearson VUE and $25 for the resident license application. You also cover the cost of fingerprinting, which the vendor sets, for the required state and federal background checks. A prep course is optional because the state requires no prelicensing education.

The resident producer license application costs $25 plus a service fee, paid when you apply online through NIPR. Scheduling the licensing exam through Pearson VUE costs $25 for residents. Insurer appointments add $10 per year for resident producers, and the biennial license renewal with continuing education costs $20.

As of March 2026, Tennessee's required state fees are the $55 Pearson VUE exam fee per single line ($80 for a combination such as Property & Casualty) and the $50 application fee filed at NIPR. Fingerprinting through IdentoGO carries a separate vendor fee, and pre-licensing course prices vary by provider. Renewal costs $60 every two years.

The mandatory fees are the $50 license application and a Pearson VUE exam fee of $39 to $49 depending on the license type, plus a separate fingerprinting charge from IdentoGO. Pre-licensing courses are optional because Texas does not require prelicensing education, so your total cost depends on whether you take an exam prep course. A temporary license, if needed, costs $150.

Prometric charges $32 for a single-line exam and $44 for a combined exam. The full-line individual license fee is $70 under the state's fiscal year 2027 fee schedule, and the criminal background check adds $15 for state Bureau of Criminal Identification fingerprinting plus $13.25 for FBI fingerprinting, paid with the application, along with a $6 Prometric processing fee. Optional study courses cost extra, since Utah requires no prelicensing education.

Vermont's resident Producer license costs $60 in state fees: a $30 application fee plus a $30 license fee, whether you apply on paper or through NIPR. Add the Prometric exam fee of $52 for a single line such as Life or Accident and Health, or $67.60 for the combined Life, Accident and Health or Property and Casualty exams. Nonresident fees are retaliatory: you pay the Vermont fee or your home state's fee if it is higher.

Expect to pay three fees for a single-line Virginia insurance license: a $35 exam fee per attempt, a $37.95 fingerprinting fee, and a $15 application fee per line of authority. The exam fee is nonrefundable, per the Prometric bulletin effective December 13, 2024. Renewal costs $10 per line of authority every two years, with a $30 late renewal fee if you miss the deadline.

As of October 2026, a Washington full-lines producer license costs $55 in state fees ($20 for limited lines). The exam is $38 per single-line exam, or $55 for the combined Life and Disability or Property and Casualty exam. Fingerprinting costs $52.00 effective October 1, 2026, and NIPR charges a separate $5.60 transaction fee if you apply through its Licensing Center.

West Virginia's fixed licensing fees are an $84 examination fee paid to Pearson VUE, a $47.25 fingerprinting fee paid to Identogo at scheduling, and a $50 producer application fee paid through the National Insurance Producer Registry (NIPR). You must also complete 20 hours of approved pre-licensing education per line of authority, and course prices vary by education provider.

For a Wisconsin resident license, the fixed costs are the fingerprinting fee of $34.75, the $75 exam fee per exam, and the $75 initial license fee per line of authority plus a $10 application fee. Prelicensing course costs vary by provider and are set by private education companies, not the state. NIPR also adds a transaction fee when you submit the application.

A Wyoming resident producer license costs $100 for the application, plus a $39 fingerprinting and background check fee. You also pay a separate exam fee to the testing vendor, Pearson VUE, and any study materials you purchase are additional. A nonresident license costs $150. The $100 resident fee covers any combination of lines, such as Property, Casualty, and Personal Lines.