How to get an insurance license in Utah: requirements, costs, and exam steps

Utah licenses insurance agents and brokers under one producer credential, governed by Utah Code Title 31A, Chapter 23a, and a resident insurance license usually takes a few weeks to earn. You must be at least 18 years old, hold a Social Security Number, live in Utah, pass the Prometric exam for the line you want to sell, and clear a fingerprint-based background check. Utah requires no pre-licensing education course, which makes it one of the quicker states in which to get licensed. The full-line producer license costs $70 under the Utah Insurance Department's fiscal year 2027 fee schedule^[1], single-line exams cost $32 and combined exams cost $44 per the Prometric Utah licensing bulletin^[2], and the background check adds $28.25 in state and FBI fingerprint fees plus a $6 Prometric processing fee. This guide covers every line of authority, the exam, the application, and renewal.

The Utah insurance licensing process, step by step

The Utah licensing process runs in five steps: choose a line of authority, register with Prometric and pass the exam, apply online through SIRCON or the National Insurance Producer Registry (NIPR), complete live-scan fingerprinting at a Prometric test center, and wait for the Utah Insurance Department to issue the license, which it typically does within 5 to 10 business days of receiving a complete file.

1. Choose your line of authority. The main producer lines are Life, Accident and Health, Property, Casualty, Personal Lines, and the three title lines. Limited lines such as credit and travel insurance require no exam at all.
2. Register for and pass the exam. You schedule and pay Prometric directly, at prometric.com/utah/insurance^[3] or by calling 888-226-8740. Single-line exams cost $32 and combined exams cost $44, per the Prometric Utah licensing bulletin^[2].
3. Apply online. After passing, you submit the license application through SIRCON or NIPR, including at a kiosk inside the Prometric test center, within 90 days of passing, per the department's exam and licensing procedures page^[4]. The department no longer accepts paper applications.
4. Get fingerprinted. Initial resident applicants complete live-scan fingerprinting at a Prometric test center in Utah, paying $28.25 in state and FBI fingerprint fees during the online application, per the fiscal year 2027 fee schedule^[1], plus a $6 Prometric processing fee.
5. Secure an appointment. The license itself is active without a company appointment, but you cannot sell insurance until an insurer appoints you or an appointed agency designates you.

Here is what a resident license costs end to end, per the Prometric bulletin^[2] and the fiscal year 2027 fee schedule^[1]:

Optional prep courses from private vendors typically run from about one hundred dollars to several hundred dollars.

Who qualifies for a Utah resident producer license

Utah requires resident producer applicants to be at least 18 years old, hold a Social Security Number, be a Utah resident, pass the applicable Prometric exam, and meet the character requirements of Utah Code 31A-23a-107^[4]. Becoming an insurance agent in Utah demands no college degree, no prior work experience, and no agency sponsorship. Most striking for anyone comparing states: Utah requires no pre-licensing education of any kind. The department's exam page^[4] states it plainly: "Utah has no pre-licensing requirements for licensure. As such, the Department does not offer any study materials or aids for the exams."

Because no course is required, study time is your own choice. RealEstateU's Utah insurance exam prep follows the Prometric content outlines for the life, accident and health, and property and casualty exams and includes practice questions in the same four-option multiple-choice format as the real test. The department publishes a list of study-material vendors, including A.D. Banker, America's Professor, Kaplan Financial, and WebCE, but does not review or approve any of the materials.

One character-related restriction is federal. A person convicted of a felony involving dishonesty or breach of trust may not engage in the business of insurance without written consent from the Utah Insurance Commissioner, under 18 U.S.C. 1033. The department's exam page^[4] explains the consent application process for applicants with such convictions.

Life insurance license in Utah

The life line authorizes you to sell life insurance policies and annuity products, and you earn it by passing Prometric exam 17-01, a 100-question test with a 2-hour limit. The exam has a national section covering insurance fundamentals and a Utah section covering state law. Utah also offers a combined Life, Accident and Health exam (17-03) that earns both lines with one score. Selling annuities adds a one-time training requirement described later in this guide, and selling variable products requires a FINRA registration in addition to the life line.

Accident and health insurance license in Utah

The accident and health line covers health insurance, Medicare-related products, and long-term care coverage, and you earn it by passing Prometric exam 17-02, which has 100 questions and a 2-hour limit. A health-related line is also the entry point for federal Marketplace work: CMS requires^[5] agents to hold an approved health-related line of authority before they can access Marketplace systems or assist consumers with enrollment.

Property insurance license in Utah

The property line authorizes you to sell insurance covering damage to and loss of buildings and contents, and you earn it by passing Prometric exam 17-22, a 100-question test with a 2-hour limit. Property and casualty function as separate Utah lines, but most candidates take the combined Property and Casualty exam (17-04) so one test earns both. Resident producers who hold a property line and sell federal flood insurance must also complete National Flood Insurance Program training, covered later in this guide.

Casualty insurance license in Utah

The casualty line authorizes you to sell liability coverage and related products that pay for injuries and damage the insured causes to others, and you earn it by passing Prometric exam 17-23, which has 100 questions and a 2-hour limit. Holding casualty authority, together with three years of recent producer experience, is also the path to the surplus lines license described below.

Personal lines insurance license in Utah

The personal lines line covers auto, homeowners, and similar policies sold to individuals and families rather than businesses, and you earn it by passing Prometric exam 17-20, a 100-question test with a 2-hour limit. The personal lines license is a narrower credential than the full property and casualty license, so it suits producers who expect to sell only personal coverage.

Title insurance licenses in Utah

Utah licenses three title lines, each with its own Prometric exam: Title Examination (17-14, 100 questions, 2 hours), Title Escrow (17-16, 100 questions, 2 hours), and Title Marketing Representative (17-13, 50 questions, 1 hour), per the Prometric Utah licensing bulletin^[2]. The Title Examination and Title Escrow lines each include title marketing representative authority. An individual title producer is not authorized to transact title business until affiliated with a title agency or title insurer, per the department's title licensing page^[6].

Title licensing carries two requirements the other lines do not. An insurer-appointed title producer must carry a fidelity bond or crime insurance policy of at least $500,000 plus a professional liability policy, under Utah Code 31A-23a-204(3)^[6]. And a title agency licensed on or after July 1, 2007 must be owned or managed by people who held search and escrow licenses for at least three of the five years before the application. A nonresident title producer who wants the Utah title escrow line must pass the Utah title escrow exam even if licensed at home.

Limited lines licenses in Utah

Limited lines licenses require no exam, which makes them the least demanding Utah credential to obtain. Limited lines include credit, travel, car rental, motor club, legal expense, self-service storage, portable electronics, crop, pet insurance, and GAP waiver coverage. The license costs $45 for an initial or biennial renewal license under the fiscal year 2027 fee schedule^[1], effective July 1, 2026, down from the $50 that Prometric's September 2025 bulletin and NIPR still list. Because there is no exam, the order of steps changes for these licenses: you apply online first, pay the license fee and fingerprint fees, and then schedule fingerprinting, per the department's exam page^[4].

Licenses with special requirements in Utah

Several Utah licenses stack on top of a producer license or carry their own qualification rules rather than a standard exam path.

Exam formats follow the Prometric Utah licensing bulletin^[2]. The variable contracts line requires evidence of current FINRA qualification and registration with the Utah Securities Division, shown through a current CRD record with Utah approval, per the department's special requirements page^[7]. Navigator licenses run one year, not two, and cost $35 for an individual or $40 for a business entity under the fiscal year 2027 fee schedule^[1].

Adjuster licenses in Utah

Utah requires a license for independent adjusters, who represent insurers, and public adjusters, who represent policyholders, under Utah Code 31A-26-201; the state does not license company staff adjusters employed directly by insurers. The adjuster exams are Prometric series 17-11 for property and casualty (150 questions, 2.5 hours) and 17-12 for accident and health (100 questions, 2 hours), plus 60-question, 1-hour exams for crop (17-26) and workers compensation (17-27), per the Prometric Utah licensing bulletin^[2]. Resident adjuster applicants must be fingerprinted. Nonresident adjusters licensed in their home state receive reciprocity; adjusters from states that do not license adjusters can qualify by holding a Designated Home State license in another state or by passing Utah's exam and choosing Utah as their designated home state, per the department's exam page^[4].

Taking the Utah insurance exam with Prometric

You register and pay Prometric directly, online at prometric.com/utah/insurance^[3] or by phone at 888-226-8740 (6 am to 7 pm Mountain time on weekdays, 6 am to 3 pm on weekends). Exam fees are nonrefundable and nontransferable, and a registration is valid for 90 days from receipt at Prometric, per the Prometric Utah licensing bulletin^[2] effective September 25, 2025. You may test at any Prometric test center in the United States or from home through Prometric's ProProctor remote proctoring, though fingerprinting must happen at a Prometric center in Utah.

Every exam is four-option multiple choice with 5 unscored experimental questions included in the count, and each has a national section and a Utah state section. Results appear on screen immediately, and Prometric notifies the department electronically within 48 hours of a pass. Prometric posts free practice exams for the life, health, and property and casualty producer tests on its Utah site. On test day you must arrive at least 30 minutes early with a government-issued photo ID whose name exactly matches your registration, and calculators are not allowed. Rescheduling requires contacting Prometric at least 24 hours before the appointment or the fee is forfeited. Exams have been available in Spanish since December 18, 2023. ADA accommodations are available at no charge with 30 days of advance notice, and an English-as-a-second-language accommodation can extend time to 150% of the normal limit.

Fingerprints and the background check

Every initial resident individual applicant must be fingerprinted by live scan at a Prometric test center in Utah, and the prints go to the Utah Department of Public Safety Bureau of Criminal Identification (BCI) and the FBI. The background check costs $28.25 in fingerprint fees, made up of $15 in BCI fingerprinting and $13.25 in FBI fingerprinting paid by credit card during the online application, plus a separate $6 Prometric fingerprint processing fee. These amounts took effect under a 2019 rule change and appear in the fiscal year 2027 fee schedule^[1]; the department's exam page^[4] and the Prometric bulletin still print the prior split of $12 FBI and $20 BCI that totaled $32. At the test center you show the Sircon or NIPR confirmation page from your application to be printed. The department allows 30 days for the BCI and FBI to process prints. Fingerprinting is not required when adding a line of authority to an existing license, or for renewals or reinstatements.

Utah has four Prometric test centers, in Lindon, Salt Lake City, St. George, and Taylorsville, per the department's testing sites page^[8].

Applying for the license and getting it issued

After passing, you submit the application online through SIRCON or NIPR, including at the kiosk inside the Prometric test center, and the department processes complete electronic applications within 5 to 10 business days once the application, fees, and fingerprints are complete, per its exam and licensing procedures page^[4]. The full-line individual producer license costs $70 for initial issuance under the fiscal year 2027 fee schedule^[1], effective July 1, 2026. Prometric's September 2025 bulletin and NIPR still list the prior $75 fee; the department's current schedule controls. A lapsed-license reinstatement costs $120, and adding a line of authority later costs $25. Utah does not mail licenses; after approval you print your own copy from SIRCON, free for the first 30 days, per the department's exam page^[4].

Agencies are licensed separately. A producer agency applies through SIRCON, pays $75 under the fiscal year 2027 fee schedule^[1], needs no exam and no fingerprints, and must name a designated responsible licensed person, per the department's exam page^[4].

Appointments and acting as a producer

An appointment or designation is not required to obtain or hold a Utah license, but a producer cannot solicit, negotiate, or bind insurance without one. The department's licensee FAQ^[9] explains that an individual producer needs either an appointment with an insurer or a designation to an agency that is itself appointed to an insurer, along with a contract, before transacting. A newly licensed producer can therefore hold an active license while job hunting, and many get licensed before seeking an agency for exactly that reason. License and appointment records are public in Utah.

Renewing your Utah insurance license

Utah producer licenses run two years on a birth-month cycle, so a new license's first renewal falls 24 to 35 months after issue, on the last day of the licensee's birth month, and later renewals repeat on the same rhythm. All appointments and designations are canceled effective the expiration date if the license is not renewed, per the department's renewals page^[10].

Continuing education requirements

Resident producers and adjusters must complete 24 hours of continuing education (CE) each two-year cycle, all from department-approved courses: 12 hours must be classroom or classroom-equivalent, no more than 12 hours may come from insurer-provided courses, 3 hours must be ethics, and self-study is capped at 12 hours, per the department's CE page^[11]. Title producers need 12 hours instead, with 6 classroom and 3 ethics. Licensees with 20 or more consecutive years of licensing need only 6 hours, 3 of them ethics. Nonresident producers who meet their home state's CE requirement are exempt from Utah's. Designations such as CLU, ChFC, CPCU, CFP, and CIC satisfy the requirement when their own CE is current. All required hours must be completed and posted by the provider before a renewal can be processed, and the department may audit completion records.

Renewal deadlines and fees

The renewal window opens 90 days before expiration, and electronic renewal through SIRCON or NIPR is available around the clock until 10 pm Mountain time on the expiration date. The department emails a reminder about two months before expiration. The full-line renewal fee is $70 and the limited-line renewal fee is $45 under the fiscal year 2027 fee schedule^[1]; NIPR also lists a separate $50 late renewal fee.

Reinstatement after a lapse

A lapsed license can be reinstated from the fourth day after inactivation through 365 days after expiration. Reinstatement requires completing the required CE hours and paying a $120 reinstatement fee for a full-line license or $95 for a limited line, per the fiscal year 2027 fee schedule^[1]. No re-testing and no new fingerprints are required during that first year, and a reinstated license keeps the expiration date it would have had without the lapse. After one year of inactivity, the person must apply as a new applicant, including the exam and fingerprints, and must ask insurers and agencies for new appointments.

Moving to Utah and nonresident reciprocity

Utah extends reciprocity to out-of-state producers under Utah Code 31A-23a-109^[4]: when your home state licenses you in every line you seek, Utah grants the matching nonresident authority without an exam. NIPR lists the nonresident individual producer fee at $75 and the nonresident limited-line fee at $50. Nonresidents comply with their home state's CE rather than Utah's.

New Utah residents get a 90-day window. If you apply within 90 days of canceling your former state's license, which must have been in good standing, and within 90 days of establishing Utah residency, you are exempt from the Utah exam; you apply through SIRCON or NIPR, get fingerprinted, and send proof of residency. Between 90 and 365 days after relocation, you must pass the Utah Laws and Regulations exam (17-19), a 50-question, 1-hour test per the Prometric Utah licensing bulletin^[2]. After 365 days, you apply as a first-time applicant. Moving away from Utah works the other way: converting a Utah resident license to a Utah nonresident license is free, but you must obtain your new home state's resident license within 60 days or the Utah nonresident license is inactivated, per the department's licensee FAQ^[9].

Product training requirements after licensing

Four product lines add training requirements on top of the producer license itself. Producers selling annuity products on or after July 1, 2024 must complete a one-time approved training course worth at least four CE credits, under Utah Admin. Code R590-230-5^[12]; producers who held a life line before July 1, 2024 had until July 1, 2025 to finish it, and producers who earn a life line on or after July 1, 2024 may not sell annuities until it is done. Resident producers with a property line who sell federal flood insurance must complete a course related to the National Flood Insurance Program under Utah Bulletin 2006-4^[13]; FEMA's self-study flood training course carries 5 hours of CE credit. Agents and brokers who help consumers with federal Marketplace plans must complete CMS's annual registration and training^[5] each plan year. Long-term care sales run through the producer authority in Title 31A, Chapter 23a under Utah Admin. Code R590-148-26^[14], which sets no standalone initial training-hour requirement, so confirm current expectations with the department before selling partnership products.

What insurance agents earn

Insurance sales agents earned a national median of $62,280 per year, or $29.94 per hour, in May 2025, according to the U.S. Bureau of Labor Statistics^[15]. The lowest 10% earned less than $37,330 and the highest 10% earned more than $138,140. Pay varies by industry: agents at direct health and medical insurance carriers earned a median of $73,440, compared with $61,550 at insurance agencies and brokerages. Agencies and brokerages employ 63% of these agents nationwide, and 12% are self-employed. The Bureau of Labor Statistics projects 3% employment growth from 2025 to 2035, about as fast as the average for all occupations, with about 43,100 openings per year. The typical entry-level education is a high school diploma or equivalent, and Utah requires no coursework beyond that.

Next steps

Start by choosing the line of authority that matches the products you want to sell, since that choice determines your exam. Create an NIPR account, then register with Prometric for the matching exam code and use the practice test on its Utah site to gauge how much study you need. Gather a government-issued photo ID matching your registration name exactly and your Social Security card before test day. Budget for the exam fee, the license fee, and fingerprinting, plus any study materials you choose, and plan on a few weeks from registration to a license in hand.