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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
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P&C Hours Range
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L&H Hours Range
29
Require Fingerprinting
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.
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 | 24 | Yes | Mar 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 | 24 | Yes | Mar 2026 |
| Arizona(AZ) | None | None | $59 (combined P&C) or $50 (single line) | $50 per single line exam | $201.25 | $310.25 | 4 years | 48 | Yes | Mar 2026 |
| Arkansas(AR) | None | None | $50 | $50 | $94.60 | $144.60 | 2 years | 24 | Yes | Mar 2026 |
| California(CA) | 32 | 32 | $77 | $77 | $314-$324 | $479-$501 | 2 years | 24 | Yes | Mar 2026 |
| Colorado(CO) | 50 | 50 | $41 | $41 | $88 | $129 | 2 years | 24 | Yes | Mar 2026 |
| Connecticut(CT) | 20 | 20 | $65 | $65 | $255 | $320 | 2 years | 24 | No | Mar 2026 |
| Delaware(DE) | None | None | $90 per exam | $90 per exam | $345-$355 | $525-$535 | 2 years | 24 | Yes | Mar 2026 |
| District of Columbia(DC) | None | None | $150 total ($75 per exam) | $150 total ($75 per exam) | $281.50-$305 | $431.50-$455 | 2 years | 24 | Yes | Mar 2026 |
| Florida(FL) | 200 | 200 | $44 | $44 | $147 | $246 | 2 years | 24 | Yes | Mar 2026 |
| Georgia(GA) | 8 | 8 | $63 | $63 | $183+ | $246+ | 2 years | 24 | Yes | Mar 2026 |
| Hawaii(HI) | None | None | $75 | $75 | $288-$292 | $363-$367 | 2 years | 24 | Yes | Mar 2026 |
| Idaho(ID) | None | None | $65 | $65 | $206.25 | $401.25 | 2 years | 24 | Yes | Mar 2026 |
| Illinois(IL) | 20 | 20 | $92 | $92 | $307+ | $399+ | 2 years | 30 | No | Mar 2026 |
| Indiana(IN) | 20 | 20 | $69 | $69 | $156 | $225 | 2 years | 24 | No | Mar 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 | Mar 2026 |
| Kansas(KS) | None | None | $67 | $67 | $144 | $224 | 2 years | 18 | Yes | Mar 2026 |
| Kentucky(KY) | 20 | 20 | $50 | $50 | $117.50 | $207.50 | 2 years | 24 | Yes | Mar 2026 |
| Louisiana(LA) | None | None | $53 | $53 | $167.25 | $220.25 | 2 years | 24 | Yes | Mar 2026 |
| Maine(ME) | None | None | $80 | $80 | $155 | $235 | 2 years | 24 | No | Mar 2026 |
| Maryland(MD) | None | None | $60 | $60 | $114 | $174 | 2 years | 24 | No | Mar 2026 |
| Massachusetts(MA) | None | None | $49 (combined Property & Casualty) | $39 | $264-$339 | $388 | 2 years | 24 | No | Mar 2026 |
| Michigan(MI) | 20 | 20 | $41 | $41 | $56 | $97 | 2 years | 24 | No | Mar 2026 |
| Minnesota(MN) | 20 | 20 | $45 | $45 | $182.25 | $277.25 | 2 years | 24 | No | Mar 2026 |
| Mississippi(MS) | 20 | 20 | $52 | $52 | $152 | $308 | 2 years | 24 | Yes | Mar 2026 |
| Missouri(MO) | None | None | $35 (combined P&C) | $29 (combined L&H) | $173.75 | $208.75 | 2 years | 16 | Yes | Mar 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 | 24 | Yes | Mar 2026 |
| Nebraska(NE) | None | None | $47 | $47 | $93 | $144 | 2 years | 24 | No | Mar 2026 |
| Nevada(NV) | 20 | 20 | $49 | $49 | $294 | $343 | 2 years | 24 | Yes | Mar 2026 |
| New Hampshire(NH) | None | None | $72 | $72 | $282 | $354 | 2 years | 24 | No | Mar 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 | 24 | Yes | Mar 2026 |
| New Mexico(NM) | None | None | $50 | $50 | $139 | $189 | 2 years | 24 | Yes | Mar 2026 |
| New York(NY) | 90 | 90 | $33 | $33 | $83+ | $166+ | 2 years | 15 | Yes | Mar 2026 |
| North Carolina(NC) | None | None | $45 per exam | $45 per exam | $177-$222 | $444 | 2 years | 24 | No | Mar 2026 |
| North Dakota(ND) | None | None | $128 total ($64 per exam) | $128 total ($64 per exam) | $298.25 | $426.25 | 2 years | 24 | No | Mar 2026 |
| Ohio(OH) | 20 | 20 | $49 | $49 | $131 | $190 | 2 years | 24 | No | Mar 2026 |
| Oklahoma(OK) | None | None | $38 | $38 | $98 | $136 | 2 years | 24 | Yes | Mar 2026 |
| Oregon(OR) | 20 | 20 | $55 | $55 | $191.25 | $246.25 | 2 years | 24 | No | Mar 2026 |
| Pennsylvania(PA) | None | None | $53 | $43 | $122-$132 | $175 | 2 years | 24 | Yes | Mar 2026 |
| Rhode Island(RI) | None | None | $80 (in-person) or $50 (OnVUE remote) | $80 (in-person) or $50 (OnVUE remote) | $240 | $320 | 2 years | 24 | No | Mar 2026 |
| South Carolina(SC) | None | None | $59 | $59 | $134.50 | $193.50 | 2 years | 24 | Yes | Mar 2026 |
| South Dakota(SD) | None | None | $95 | $95 | $163.25 | $258.25 | 2 years | 24 | No | Mar 2026 |
| Tennessee(TN) | None | None | $59 | $49 | $141 | $200 | 2 years | 24 | Yes | Mar 2026 |
| Texas(TX) | None | None | $43 | $43 | $131-$133 | $174-$176 | 2 years | 24 | Yes | Mar 2026 |
| Utah(UT) | None | None | $44 | $44 | $157 | $201 | 2 years | 24 | Yes | Mar 2026 |
| Vermont(VT) | None | None | $65 | $65 | $125 | $190 | 2 years | 24 | No | Mar 2026 |
| Virginia(VA) | None | None | $35 | $35 | $84.95 | $119.95 | 2 years | 24 | No | Mar 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 | 24 | No | Mar 2026 |
| West Virginia(WV) | 20 | 20 | $86 | $86 | $181.75 | $353.75 | 2 years | 24 | Yes | Mar 2026 |
| Wisconsin(WI) | None | None | $75 per exam ($150 total for Property and Casualty separately) | $75 per exam ($150 total for Life and Accident & Health separately) | $121 | $346 | 2 years | 24 | No | Mar 2026 |
| Wyoming(WY) | None | None | $113 | $113 | $252 | $365 | 2 years | 24 | No | Mar 2026 |
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See the full comparison table above for all 51 states.
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