How to Get an Insurance License in Nevada: Requirements, Exams, and Costs

To get an insurance license in Nevada, you must be at least 18 years old, pass the Pearson VUE licensing exam for your line of authority, submit fingerprints for a criminal history background check, and pay the $185 state application fee. Nevada requires no prelicensing education hours for producer applicants, so you can go straight from studying the published exam outlines to testing. Most candidates move from exam reservation to an issued license within a few weeks.

Nevada insurance license requirements

You must be at least 18 years old, pass the licensing exam for each line of authority you want, and clear a fingerprint-based background check to qualify for a Nevada resident license. "Producer" is the statutory term Nevada uses for what the industry calls agents and brokers, and the Nevada Division of Insurance regulates the license.

The NIPR Nevada resident licensing requirements^[1] list the eligibility conditions for individual applicants:

• You must not hold an active nonresident Nevada license.
• You must not already hold an equivalent Nevada license for the lines you are requesting.
• You need a business email address and a resident street address in Nevada (a P.O. box does not count).
• Your application must show five years of employment history with no gaps, listed current employer first.
• Noncitizens must provide proof of work authorization or a green card and must reside in the United States.

Any background question answered "yes" requires supporting documents, which you upload to NIPR's Attachments Warehouse or email to the Division.

Nevada requires zero prelicensing education hours for producer applicants. NAIC chart PR-20^[2], citing NRS 683A.251 §1, states that prelicensing education is "no longer required," so your exam preparation is entirely self-directed.

Lines of authority you can be licensed for in Nevada

Nevada requires an exam for its major producer lines and waives the exam for variable and limited lines. The NIPR resident licensing page^[1] lists which lines require testing:

The Financial Industry Regulatory Authority (FINRA) CRD number requirement means variable products sit under securities registration in addition to the state license.

Life insurance license in Nevada

A Nevada life insurance license authorizes you to sell term and permanent life insurance and annuities, and you earn it by passing the Pearson VUE Life exam. The Life exam has 80 scored questions, 50 general knowledge and 30 Nevada-specific, with a 2:00 time limit, per the candidate handbook^[3]. To sell variable life or variable annuities, you must hold or apply for the Life line at the same time and supply a FINRA CRD number on your application, per the NIPR resident licensing requirements^[1].

Health insurance license in Nevada

Pass the Pearson VUE Health exam to earn the health line, which covers individual and group health, disability, and Medicare supplement products. The Health exam has 88 scored questions, 50 general and 38 Nevada-specific, with a 2:15 time limit, per the candidate handbook^[3]. To work with the federal Marketplace, the Centers for Medicare & Medicaid Services (CMS) registration page^[4] requires separate registration and training on the Marketplace Learning Management System; agents without a health-related line of authority cannot access Marketplace systems, and only registered agents are eligible for Help On Demand referrals.

Property insurance license in Nevada

Pass the Pearson VUE Property exam to sell home, renters, and other property coverage. The Property exam has 82 scored questions, 50 general and 32 Nevada-specific, with a 2:00 time limit, per the candidate handbook^[3]. The exam content outlines^[5] include National Flood Insurance Program (NFIP) content in the Property general section, so tested material covers federal flood insurance. A one-time flood training rule applies if you sell NFIP policies, covered below under continuing education.

Casualty insurance license in Nevada

Pass the Pearson VUE Casualty exam to sell auto, liability, and other casualty coverage. The Casualty exam has 89 scored questions, 50 general and 39 Nevada-specific, with a 2:15 time limit, per the candidate handbook^[3]. Commercial insurance is sold under the property and casualty lines, so brokers who want commercial clients hold these lines.

Personal lines insurance license in Nevada

Pass the Pearson VUE Personal Lines exam to sell auto and home coverage to individuals and families rather than commercial clients. The Personal Lines exam has 100 scored questions, 75 general and 25 Nevada-specific, with a 2:15 time limit, per the candidate handbook^[3].

Insurance adjuster licenses in Nevada

Nevada licenses four adjuster classes: Independent, Company, Staff, and Public Adjuster. Each class carries the same state application fee as the producer license, and each requires its own exam through Pearson VUE. The Property and Casualty Adjuster exam has 90 scored questions, the Workers Compensation Adjuster exam has 50, and Public Adjuster candidates test on the Property and Casualty Adjuster exam, per the NIPR resident licensing requirements^[1].

Staff adjusters investigate and settle workers compensation claims while employed by a registered third-party administrator (TPA), and company adjusters handle workers compensation claims for an authorized insurer. One restriction applies across license types: an applicant with an active producer license holding Property or Casualty lines, or a surplus lines broker license, cannot obtain an adjuster license, and adjusters cannot obtain those producer licenses, until the conflicting license is surrendered to the state.

Licenses without an exam: limited lines, surplus lines, and motor club

Several Nevada licenses skip the licensing exam entirely. Per the NIPR resident licensing page^[1], the exam is not required for Variable Annuities/Variable Life, Limited Rental Car, Limited Credit, Limited Crop, Limited Travel Baggage, Portable Electronics, and Personal Property Storage lines.

Two specialty licenses carry their own rules:

• Surplus Lines Broker: requires an active producer license with both Property and Casualty lines, and applications defer to state review.
• Motor Club Agent: requires either the Motor Club exam or appointment by an authorized company, with a $138 state fee.

Preparing for and scheduling the Nevada insurance exam

Pearson VUE administers every Nevada insurance exam, at test centers or online through OnVUE proctoring. You reserve a seat at pearsonvue.com/nv/insurance^[6] or by phone at 800-274-2609 at least 24 hours before your exam date, and walk-in examinations are not available. The candidate handbook^[3] sets the fee at $37 for single-line exams and $47 for combo exams.

Each exam combines a general knowledge section and a Nevada-specific section into a single score, and a failing candidate retakes the entire examination. Every producer exam also includes 5 unscored pretest questions, which do not count against you.

The passing standard is a scaled score of 70 on every exam except Bail, which requires 67%, under NAC 683A.270 and NAC 697.125^[3] as cited in the candidate handbook. Study from the exam content outlines^[5], effective October 1, 2024, and note that separate outline versions apply to exams taken before November 14, 2026 and on or after that date. Pearson VUE also sells official online practice tests for $19.95.

Test day and retake rules:

• Bring two forms of current signature identification, one government-issued photo ID, matching your registration name exactly. Candidates without the required items forfeit the fee.
• Change or cancel at least 48 hours before the exam or the fee is forfeited.
• OnVUE online candidates get two attempts per exam, after which they must test at a physical center.
• After a failed attempt, wait 24 hours before making a re-exam reservation, and pay the fee again.

Applying for the license

Apply online after passing, and wait at least 48 hours after your scores are released so the results can process, per NIPR's application guidance^[7]. Under NAC 683A.270, the exam must have been passed within one year immediately preceding your application date, so do not let a passing score sit unused past that window.

You file the application through Sircon at www.sircon.com/Nevada or through the NIPR LicenseHub^[8]. The Nevada Division of Insurance producer licensing page^[9] states the state licensing fee is $185 for resident and nonresident applications alike, which the NIPR resident requirements page^[1] confirms. That total combines the base fee under NRS 680B.010 with the assessment that funds the Fund for Insurance Administration and Enforcement under NRS 680C.110, per the NAIC fee chart ZZ-8^[10]. The same fee applies to producer, adjuster, and surplus lines applications, and an amendment costs $50.

Residents apply one license class at a time, so you file multiple applications if you want lines under more than one class. Pay by Visa, Mastercard, AMEX, or electronic check.

Fingerprints and the background check

Every resident individual applicant for a producer or adjuster license must be fingerprinted, and you cannot be fingerprinted before submitting the application. Effective January 26, 2026, the NIPR resident licensing page^[1] requires the Nevada Fingerprint Authorization Form to carry a Sircon Confirmation ID or NIPR Transaction Number, which you receive only after filing the application, and only the form dated January 28, 2026 is accepted.

Submit fingerprints within 90 days of applying, per the candidate handbook^[3], and upload the signed Fingerprint Background Waiver Form and fingerprint receipt with your application.

Appointments and getting paid after licensure

Passing the exam does not authorize you to sell. You may not sell, solicit, or negotiate insurance, or accept commissions, until you are both licensed and appointed by an insurer, per the candidate handbook^[3]. Insurers file appointments electronically through NIPR^[11] using your National Producer Number (NPN), and Nevada's appointment fee is $15 per insurer under NAIC fee chart ZZ-8^[10].

Your NPN is assigned during the licensing application and serves as your identifier across state lines. You can find it with the NPN lookup tool^[12] by Social Security number and last name, by license number, or by FEIN for agencies.

Continuing education requirements

Nevada producers complete 30 hours of continuing education (CE) every 3 years, including 3 hours of ethics, per NAIC chart PR-20^[2]. Nonresident licensees have no Nevada CE requirement.

Two special rules apply:

• Flood training: resident producers who sell federal flood insurance must complete a one-time NFIP course worth 3 CE hours, under Nevada Bulletin No. 06-006^[13] (August 7, 2006). The course is available through approved CE providers, and failure to comply can jeopardize your authority to write through the NFIP.
• Exemptions: holders of the CPCU, CLU, CIC, CFP, or ChFC designations, and licensees with 20 years of continuous experience whose primary income has been insurance, are exempt from the 30-hour requirement if they submit certification.

NIPR does not verify CE compliance before accepting a renewal application, but the state requires compliance before approval, and CE transcripts can take up to 72 hours to update after a compliance date.

Renewing your Nevada insurance license

The resident producer renewal costs $185 in state fees, with the renewal window opening 90 days before your expiration date and closing on the expiration date, per the NIPR Nevada renewal requirements^[14]. Miss the window and the costs climb:

• Late renewal, up to 30 days after expiration: $250 for producers, $247.50 for other license classes.
• Reinstatement, 31 days up to one year after expiration: $435. Producers with a status reason of "Failure to Renew-CE" must reinstate directly with the state.

Producers must renew every active line on the license, because partial renewals are not allowed. Licenses with Voluntary Surrender or Cancelled status require a new application instead. Variable Life and Variable Annuity renewal applicants must supply a FINRA CRD number.

Nonresident licenses and moving to Nevada

Nevada grants reciprocity to nonresidents whose home state licenses them for equivalent lines, so they skip the exam and the course work and simply file the application. Nonresidents apply through NIPR or Sircon and carry the same state fee as residents, per the NIPR nonresident requirements^[15]. Nonresident surplus lines applicants must hold a producer license with both Property and Casualty lines. Adjuster Designated Home State (ADHS) filings cannot be submitted electronically for Nevada, and applicants may not select Nevada as their ADHS while applying for a nonresident Nevada license, per the NIPR nonresident adjuster page^[16].

Relocating to Nevada works on a 90-day clock: submit a resident application within 90 days of cancelling your prior resident license and within 90 days of establishing Nevada as your home state, presenting a Letter of Clearance or having your prior license information on the Producer Database, per the candidate handbook^[3]. New residents must also be fingerprinted. To request a Letter of Clearance for the move, complete the Clearance Letter Form (DOC 323) and fax it to 775-687-0797, per NIPR's Nevada state information^[8].

Looking up and printing your Nevada insurance license

The Division does not print or mail licenses. You can print a copy free of charge for 30 days after issuance through Sircon, Nevada's license printing vendor, and Sircon charges a fee after the first 30 days, per the candidate handbook^[3] and NIPR's printing guidance^[17]. You can check the status of a pending application on NIPR^[18] with a transaction, payment, or order number, and states typically take 7 to 10 days to review applications.

For direct questions, the Nevada Division of Insurance sits at 1818 East College Parkway, Suite 103, Carson City, with phone at (775) 687-0700 and email at insinfo@doi.nv.gov, per NIPR's Nevada state information^[8].

Car insurance for unlicensed drivers in Nevada

Yes, coverage is available for Nevada vehicle owners who do not hold a driver's license. Insurers that accept these applicants treat them as high-risk and price each policy individually, and the structure is specific: the policy names a licensed person as its primary driver, and the unlicensed owner does not drive under the policy.

Related consumer situations follow the same logic. Drivers with only a learner's permit are usually added to a family policy rather than buying their own. Licensed drivers who do not own a car can buy non-owner liability coverage, which is also the common way to satisfy an SR-22 financial responsibility filing after a license suspension.

What to do next

Start with the exam, because every other step follows from a passing score. Download the content outline^[5] for your line, study both the general knowledge and Nevada-specific sections, and reserve your seat through Pearson VUE^[6] well ahead of your target date. After you pass, give your score time to process, file the application through Sircon or NIPR, complete fingerprinting within the state's window, and print your license through Sircon while the free printing period lasts. Then line up insurer appointments so you can legally sell and earn commissions, and set a calendar reminder so your renewal never lands in the late-renewal or reinstatement fee range.