Is getting a property and casualty insurance license worth it?

Whether it is worth it depends on your goals, but the federal data is favorable: insurance sales agents earned a median of $62,280 in May 2025, above the $50,980 median for all U.S. occupations. The Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035 and about 43,100 openings per year. Against that, budget several hundred dollars for exam, application, and fingerprinting costs, and know that pass rates can be low; Texas reported 53% of property and casualty exam takers passed in February 2021.

Whether the license is worth it depends on your goals, but federal wage data offers a benchmark. Insurance sales agents earned a median annual wage of $62,280 in May 2025, with the lowest 10% earning below $37,330 and the highest 10% earning above $138,140. The Bureau of Labor Statistics projects 3% employment growth for the occupation from 2025 to 2035, an average of 43,100 openings per year. In Alabama, the single-line Property or Casualty exam costs $50 and the producer license application costs $80.

That depends on your goals, but federal Bureau of Labor Statistics data offers context: insurance sales agents earned a median of $62,280 per year as of May 2025, with employment projected to grow 3% from 2025 to 2035. The entry cost in Arizona is low, since the state requires no pre-licensing education; the combined Property and Casualty exam costs $59 and the license fee is $120.

Whether it pays off depends on your circumstances, but the market data is measurable. Insurance sales agents earned a median annual wage of $62,280 in May 2025, with the lowest 10% under $37,330 and the highest 10% over $138,140. The Bureau of Labor Statistics projects employment to grow 3% from 2025 to 2035, about as fast as the average occupation, with about 43,100 openings per year. Typical entry-level education is a high school diploma or equivalent.

That depends on your goals, but the career data is measurable. The Bureau of Labor Statistics reports a 2025 median wage of $62,280 per year for insurance sales agents, with the lowest 10% earning under $37,330 and the highest 10% earning over $138,140. Employment is projected to grow 3% from 2025 to 2035, with about 43,100 openings per year, mostly from replacement needs. In DC, the direct licensing costs are a $75 exam fee and a $100 biennial license fee.

Whether it is worth it depends on your goals, but the federal data is measurable: insurance sales agents earned a median of $62,280 per year in May 2025, the Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035, and about 43,100 openings arise per year. A Florida 2-20 license lets you insure automobiles, homes, watercraft, and motorcycles and write workers compensation, E&O, and bonds.

That is a personal judgment, but the costs and earnings can be weighed. Georgia requires a 16-hour Property and Casualty course, a $67 Pearson VUE exam, and a $120 license application. Nationally, insurance sales agents earned a median of $62,280 per year in May 2025, with the top 10% earning above $138,140, and the Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035.

That depends on your circumstances, but the direct costs are modest. Each exam is $65, fingerprinting is $65 electronic or $61.25 by hard card, and the application is $80, all non-refundable. Nationally, insurance sales agents earned a median of $62,280 per year in May 2025.

That depends on your goals and costs. Federal wage data places Illinois agents around the national middle, with the experienced tier higher, and it excludes self-employed agency owners, so top earnings run above the published figures. Getting licensed for property and casualty costs $92 for each line's exam pair when the General and State exams are ordered together, plus the $215 resident license fee and course costs that vary by provider. The license then requires 24 hours of continuing education every two years.

The Property & Casualty path requires 40 hours of pre-licensing education, a $69 exam fee, and a $40 application fee. Nationally, insurance sales agents earned a median of $62,280 per year in May 2025, per the U.S. Bureau of Labor Statistics, and about 43,100 openings are projected each year through 2035.

That depends on your costs and job outlook. Mandatory Kansas fees are a $30 application fee, a $60 fingerprint background check fee, and the $64 combination exam. No pre-licensing course is required. Nationally, insurance sales agents earned a median wage of $62,280 in May 2025, and the Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035, about as fast as average.

That depends on your goals, but the financial picture is documented: insurance sales agents earned median pay of $62,280 per year in 2025, with the lowest 10% under $37,330 and the highest 10% over $138,140. Kentucky's state costs are modest by comparison, at $40 for the license, $40 for the line of authority, and a $50 exam fee, plus the price of a prelicensing course. The field projects about 43,100 openings per year through 2035.

That depends on your costs and income prospects. Earning Property and Casualty lines in Massachusetts means passing two separate exams, the Property Producer exam and the Casualty Producer exam, at $37 each, with a passing scaled score of 70 on both. After that, you apply through the National Insurance Producer Registry (NIPR) with the required fees, and the Division of Insurance issues the license upon approval.

That depends on your goals, but the numbers are measurable. Insurance sales agents earn a median wage of $62,280 per year (May 2025, Bureau of Labor Statistics), and the occupation is projected to grow 3% from 2025 to 2035, with about 43,100 openings each year. Minnesota's entry costs are low compared with many states: a $45 exam, a $50 license fee per line of authority, and 24 continuing-education hours every two years to keep the license.

Whether it is worth it depends on your goals, but the costs and job data are measurable. The property and casualty exam costs $32 as a single line or $40 combined, and the license fee is $100. Nationally, insurance sales agents earned a median of $62,280 per year in May 2025, with the lowest 10% under $37,330 and the highest 10% over $138,140. The Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035, with about 43,100 openings per year.

Entry costs in Montana are low: a $65 exam fee, a $30 fingerprint fee, and no resident producer application fee, and Montana requires no prelicensing education. The ongoing commitment is 24 hours of continuing education every 2 years, including 3 hours of ethics and 1 hour of Montana law. Expected income varies by arrangement: captive agents receive a salary and benefits with lower commissions, while independent agents earn higher commissions but no salary.

Whether it pays off is a personal decision, but the entry cost is low: a Nebraska property and casualty license requires a $43 single-line exam fee (or $47 for the combined P&C exam) plus a $50 application fee, with no required coursework. Nationally, the U.S. Bureau of Labor Statistics reported a median wage of $62,280 for insurance sales agents in May 2025 and projects about 43,100 openings per year from 2025 to 2035.

That depends on your goals, but the data offers reference points. The Bureau of Labor Statistics projects employment of insurance sales agents to grow about 4% from 2024 to 2034, and agents earn commissions from insurers, so income varies with sales. Nevada producers renew on a three-year cycle and must complete 30 hours of continuing education, including 3 hours in ethics.

You can weigh the costs against the pay. Earning a New Jersey property and casualty license requires 40 hours of prelicensing education (20 per line), a $38 exam for each line, $66.05 for fingerprinting, and a $170 application fee, plus a course price that varies by provider. Nationally, the median annual wage for insurance sales agents was $62,280 in May 2025, and the Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035.

That depends on your goals. Insurance sales agents earned a median of $62,280 per year in May 2025, with the lowest 10% earning under $37,330 and the highest 10% earning over $138,140, and employment is projected to grow 3% from 2025 to 2035. In New Mexico, entry costs are low: the mandatory fees are $75 for the exam, $67 for the background check, and $30 for the application, with no pre-licensing course required.

That is a personal decision, but the costs and pay are documented. A New York property and casualty license requires at least 90 hours of approved prelicensing education, a $40 exam fee, and an $80 license fee for residents (for a term over one year). The U.S. Bureau of Labor Statistics reports insurance sales agents earned a median of $62,280 in May 2025, with the highest 10% earning more than $138,140.

That depends on your goals, but the entry costs are low in North Dakota. The state requires no prelicensing education, and the main costs are the $64 Property and $64 Casualty exam fees, the $100 application fee, and fingerprint fees. Nationally, the median annual wage for insurance sales agents was $62,280 in May 2025.

Whether it is worth it depends on your goals, but the costs and job data are concrete. A Property and Casualty license in Ohio requires 20 hours of pre-licensing education per line, a $49 exam fee, a fingerprint-based background check of up to $72.25, and a $10 application fee per line. The US Bureau of Labor Statistics reports median pay of $62,280 per year for insurance sales agents as of May 2025 and projects 3% employment growth from 2025 to 2035.

That depends on the income you can earn weighed against the cost of getting licensed. In Oklahoma, the producer exam costs $38, the resident application fee is $60, and the state requires no prelicensing education. Agent earnings vary widely by state, products sold, sales volume, and experience.

The Bureau of Labor Statistics reports median pay of $62,280 per year for insurance sales agents as of May 2025, with employment projected to grow 3% from 2025 to 2035 and about 43,100 openings each year. In Pennsylvania, the property and casualty path costs $55 for the combined exam (16-06) and $55 for the resident application, plus a fingerprinting fee. Renewal requires 24 hours of continuing education every two years, including 2 hours of flood training for property, casualty, and personal lines producers.

Whether the license pays off depends on your costs and expected earnings, and Rhode Island's entry costs are documented: $80 per exam, a $120 resident license fee, and no prelicensing course hours required. After licensure, producers typically secure carrier appointments and must carry errors and omissions (E&O) insurance, which Rhode Island requires. Earnings come from commissions and vary with sales volume.

That depends on your goals, but the entry cost is low. South Carolina requires no prelicensing education, the exam fee is $59, and the license fee is $25. First-time pass rates on the combined property and casualty exam were 49.95% in the 2020 data reported by the state, so plan for study time, and note you need an insurer appointment before you can sell.

That depends on your goals. Nationally, insurance sales agents earned a median annual wage of $62,280 in May 2025, with employment projected to grow 3% from 2025 to 2035 and about 43,100 openings per year. A property and casualty license also covers both personal and commercial lines in Tennessee, since the two authorities are included in the same license.

The costs are modest: the combined property and casualty exam is $44, the full-line individual license fee is $70, and the background check adds $15 in state fingerprinting fees plus $13.25 for the FBI, along with a $6 Prometric processing fee. On the income side, insurance sales agents nationally earned a median of $62,280 per year in May 2025, and the occupation is projected to grow 3% from 2025 to 2035, about as fast as average, with roughly 43,100 openings per year.

Whether it is worth it is your call, but the costs and pay are documented. Vermont requires no pre-licensing education hours; the Property and Casualty exam (Prometric Series 14-31) costs $67.60, and the application carries $60 in state fees. Insurance sales agents earned a median of $62,280 per year in May 2025, according to the U.S. Bureau of Labor Statistics.

That depends on your goals, but the investment is modest. As of the December 2024 Prometric bulletin, the exam costs $35, the application is $15 per line of authority, and fingerprinting is $37.95. On the income side, insurance sales agents earned a median wage of $62,280 in May 2025, and employment in the occupation is projected to grow 3% from 2025 to 2035.

Whether it is worth it depends on your goals, but the documented costs and earnings can inform the decision. A Wisconsin property and casualty license requires 20 hours of prelicensing education per line, a $75 exam fee, $34.75 for fingerprinting, and a $75 initial license fee per line plus a $10 application fee. Nationally, insurance sales agents earned a median of $62,280 in May 2025; the lowest 10% earned less than $37,330 and the highest 10% more than $138,140.

That depends on your career goals, but the license covers a broad market and entry costs are low. A property and casualty license lets you sell homeowners, auto, business liability, and workers' compensation policies. In Wyoming, resident licensing costs a $100 application fee plus a $39 fingerprinting fee, requires no prelicensing education, and renews every two years with 24 hours of continuing education, including 3 hours of ethics.