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Insurance Agent
Compare Property & Casualty and Life & Health licensing requirements across every US state. Education hours, exam details, government fees, and reciprocity — sourced and verified against official state departments of insurance.
51
States Verified
0–200
P&C Hours Range
0–200
L&H Hours Range
29
Require Fingerprinting
Not sure which license is right for you?
Take the 2-Minute Career Quiz →Insurance agents (producers) sell insurance policies on behalf of carriers. Most new agents start with either Property & Casualty or Life & Health — or both.
Property & Casualty (P&C) covers auto, home, and business insurance. Life & Health (L&H) covers life insurance, health insurance, and annuities. Most states let you pursue one or both.
A state license allows you to sell insurance, but you also need a carrier appointment — authorization from a specific insurance company to sell their products.
Every data point on this page is sourced from official state departments of insurance and cross-referenced against education providers for accuracy.
Side-by-side fees, hours, exams, and timelines across all 50 states. Sort by cost, hours, or any column.
Compare All StatesFind out if your license transfers to another state and what extra steps are needed.
Check ReciprocityBrowse approved programs by state — compare costs, requirements, and timelines.
Click any column header to sort. Click a state to view full requirements.
| State | P&C Hrs | L&H Hrs | P&C Exam | L&H Exam | Fees (1 Line) | Fees (Both) | Renewal | CE Hrs | Fingerprint | Verified |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama(AL) | None | None | $75 | $75 | $204.20 | $279.20 | 2 years (biennial, in producer's birth month) | 24 | Yes | April 2026 |
| Alaska(AK) | None | None | $89 per exam ($178 total for both Property and Casualty) | $89 per exam ($178 total for both Life and Accident & Health) | $300 | $478 | 2 years (biennial, based on birth month and odd/even birth year) | 24 | Yes | April 2026 |
| Arizona(AZ) | None | None | $59 (combined P&C) or $50 (single line) | $50 per single line exam | $201.25 | $310.25 | 4 years, expiring on the last day of the licensee's birth month (initial term may be 3–4 years) | 48 | Yes | April 2026 |
| Arkansas(AR) | None | None | $50 | $50 | $94.60 | $144.60 | 2 years | 24 | Yes | April 2026 |
| California(CA) | 12 | 12 | $77 | $77 | $314-$324 | $479-$501 | 2 years | 24 | Yes | April 2026 |
| Colorado(CO) | 50 | 50 | $41 | $41 | $88 | $129 | 2 years | 24 | Yes | April 2026 |
| Connecticut(CT) | 20 | 20 | $65 | $65 | $255 | $320 | 2 years | 24 | No | April 2026 |
| Delaware(DE) | None | None | $90 per exam | $90 per exam | $345-$355 | $525-$535 | 2 years (biennial) | 24 | Yes | April 2026 |
| District of Columbia(DC) | None | None | $150 total ($75 per exam) | $150 total ($75 per exam) | $281.50-$305 | $431.50-$455 | Biennial (2 years), expiring on the birth month for individuals; May 31 biennially for agencies/firms | 24 | Yes | April 2026 |
| Florida(FL) | 200 | 200 | $44 | $44 | $147 | $246 | CE compliance cycle is every 2 years, tied to birth month | 24 | Yes | April 2026 |
| Georgia(GA) | 8 | 8 | $63 | $63 | $183+ | $246+ | 2 years (biennially, on or before the last day of the licensee's birth month) | 24 | Yes | April 2026 |
| Hawaii(HI) | None | None | $75 | $75 | $288-$292 | $363-$367 | 2 years | 24 | Yes | April 2026 |
| Idaho(ID) | None | None | $65 | $65 | $206.25 | $401.25 | 2 years | 24 | Yes | April 2026 |
| Illinois(IL) | 20 | 20 | $92 | $92 | $307+ | $399+ | 2 years (expires last day of birth month) | 30 | No | April 2026 |
| Indiana(IN) | 20 | 20 | $69 | $69 | $156 | $225 | 2 years | 24 | No | April 2026 |
| Iowa(IA) | None | None | $35 per individual exam or $69 for both Property & Casualty taken together | $35 per individual exam or $69 for both Life & Accident & Health taken together | $153.35 | $222.35 | 3 years | 36 | No | April 2026 |
| Kansas(KS) | None | None | $67 | $67 | $144 | $224 | 2 years | 18 | Yes | April 2026 |
| Kentucky(KY) | 20 | 20 | $50 | $50 | $117.50 | $207.50 | 2 years (biennium) | 24 | Yes | April 2026 |
| Louisiana(LA) | None | None | $53 | $53 | $167.25 | $220.25 | 2 years | 24 | Yes | April 2026 |
| Maine(ME) | None | None | $80 | $80 | $155 | $235 | 2 years | 24 | No | April 2026 |
| Maryland(MD) | None | None | $60 | $60 | $114 | $174 | 2 years (biennial); expires last day of producer's birth month for individuals | 24 | No | April 2026 |
| Massachusetts(MA) | None | None | $49 (combined Property & Casualty) | $39 | $264-$339 | $388 | 2 years | 24 | No | April 2026 |
| Michigan(MI) | 20 | 20 | $41 | $41 | $56 | $97 | 2 years | 24 | No | April 2026 |
| Minnesota(MN) | 20 | 20 | $45 | $45 | $182.25 | $277.25 | 2 years | 24 | No | April 2026 |
| Mississippi(MS) | 20 | 20 | $52 | $52 | $152 | $308 | 2 years (biennial), expiring on the last day of the licensee's birth month | 24 | Yes | April 2026 |
| Missouri(MO) | None | None | $35 (combined P&C, exam code 55) | $29 (combined L&H) | $173.75 | $208.75 | 2 years (biennial, tied to producer's birthday) | 16 | Yes | April 2026 |
| Montana(MT) | None | None | $59 per exam ($118 total for both Property and Casualty) | $59 per exam ($118 total for both Life and Accident & Health) | $153.60 | $271.60 | 2 years (biennial) | 24 | Yes | April 2026 |
| Nebraska(NE) | None | None | $47 | $47 | $93 | $144 | 2 years | 24 | No | April 2026 |
| Nevada(NV) | 20 | 20 | $49 | $49 | $294 | $343 | 2 years | 24 | Yes | April 2026 |
| New Hampshire(NH) | None | None | $72 (combination P&C exam); $59 for single-line (Property only or Casualty only) | $72 (combination Life, A&H exam); $59 for single-line (Life only or A&H only) | $282 | $354 | 2 years (expires last day of birth month biennially) | 24 | No | April 2026 |
| New Jersey(NJ) | None | None | $38 per exam ($76 total for both Property and Casualty) | $38 per exam ($76 total for both Life and A&H) | $274.05 | $382.05 | 2 years (biennial) | 24 | Yes | April 2026 |
| New Mexico(NM) | None | None | $50 | $50 | $139 | $189 | 2 years | 24 | Yes | April 2026 |
| New York(NY) | 90 | 90 | $33 | $33 | $83+ | $166+ | 2 years (birthday renewal) | 15 | Yes | April 2026 |
| North Carolina(NC) | None | None | $45 per exam | $45 per exam | $177-$222 | $444 | 2 years | 24 | No | April 2026 |
| North Dakota(ND) | None | None | $128 total ($64 per exam) | $128 total ($64 per exam) | $298.25 | $426.25 | 2 years | 24 | No | April 2026 |
| Ohio(OH) | 20 | 20 | $49 | $49 | $131 | $190 | 2 years (by last date of birth month) | 24 | No | April 2026 |
| Oklahoma(OK) | None | None | $38 | $38 | $98 | $136 | 2 years | 24 | Yes | April 2026 |
| Oregon(OR) | 20 | 20 | $55 | $55 | $191.25 | $246.25 | 2 years | 24 | No | April 2026 |
| Pennsylvania(PA) | None | None | $53 | $43 | $122-$132 | $175 | 2 years | 24 | Yes | April 2026 |
| Rhode Island(RI) | None | None | $80 (in-person) or $50 (OnVUE remote) | $80 (in-person) or $50 (OnVUE remote) | $240 | $320 | 2 years (biennial) | 24 | No | April 2026 |
| South Carolina(SC) | None | None | $59 | $59 | $134.50 | $193.50 | 2 years | 24 | Yes | April 2026 |
| South Dakota(SD) | None | None | $95 | $95 | $163.25 | $258.25 | Biennial (based on producer's birth month) | 24 | No | April 2026 |
| Tennessee(TN) | None | None | $59 | $49 | $141 | $200 | 2 years | 24 | Yes | April 2026 |
| Texas(TX) | None | None | $43 | $43 | $131-$133 | $174-$176 | 2 years | 24 | Yes | April 2026 |
| Utah(UT) | None | None | $44 | $44 | $157 | $201 | 2 years | 24 | Yes | April 2026 |
| Vermont(VT) | None | None | $65 | $65 | $125 | $190 | Fixed term: April 1 to March 31 of odd years (approximately 2-year cycle) | 24 | No | April 2026 |
| Virginia(VA) | None | None | $35 | $35 | $84.95 | $119.95 | 2 years (biennial, tied to birth month/year) | 24 | No | April 2026 |
| Washington(WA) | 20 | 20 | $52 (combined P&C) or $35 per single line | $52 (combined Life & Disability) or $35 per single line | $144 | $213 | 2 years (biennial) | 24 | No | April 2026 |
| West Virginia(WV) | 20 | 20 | $86 | $86 | $181.75 | $353.75 | 2 years | 24 | Yes | April 2026 |
| Wisconsin(WI) | None | None | $75 per exam | $75 per exam | $121 | $346 | Biennial (2 years) | 24 | No | April 2026 |
| Wyoming(WY) | None | None | $113 | $113 | $252 | $365 | 2 years | 24 | No | April 2026 |
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See the full comparison table above for all 51 states.
In-depth articles to help you get licensed
Moving to a new state?
See which states have reciprocity for Insurance Agent licenses and what's required to transfer.
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