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How to get an insurance license in Colorado. P&C: 50 pre-licensing hours. L&H: 50 hours. Government fees: $129 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
91% of data points are verified against official sources. 2 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
50 hrs
P&C Education
50 hrs
L&H Education
2 years
Renewal Cycle
$129
Gov. Fees (Both)
Insurance Producer
Colorado issues separate lines of authority for Property, Casualty, Life, Accident & Health, Personal Lines, and Variable Products. Producers may hold multiple lines. Each line requires its own 50-hour pre-licensing course and separate exam, though Property and Casualty can be taken as separate exams in a single session.
Other Available Lines of Authority
50 hours of approved pre-licensing education required
50-hour course per line of authority for most lines.
Online courses: Allowed
Colorado Property Insurance Exam and Colorado Casualty Insurance Exam (separate exams)
Administered by Pearson VUE
Property: 85 (75 scored, 10 pretest); Casualty: 91 (81 scored, 10 pretest)
Questions
70%
Passing Score
2 hours per exam
Time Limit
$41
Exam Fee
Property exam has 85 questions (75 scored, 10 pretest) with a 2-hour time limit. Casualty exam has 91 questions (81 scored, 10 pretest) with a 2-hour time limit. Both can be taken in one session for $41 at a test center. 70% passing score required.
50 hours of approved pre-licensing education required
50-hour course per line of authority for most lines.
Online courses: Allowed
Colorado Life Insurance Exam and Colorado Accident & Health Insurance Exam (separate exams)
Administered by Pearson VUE
Life: 90 (80 scored, 10 pretest); Accident & Health: 91 (80 scored, 11 pretest)
Questions
70%
Passing Score
2 hours per exam
Time Limit
$41
Exam Fee
Life exam has 90 questions (80 scored, 10 pretest) with a 2-hour time limit. Accident & Health exam has 91 questions (80 scored, 11 pretest) with a 2-hour time limit. Both can be taken in one session for $41 at a test center. 70% passing score required.
Minimum Age
18 years old
Education
No formal education requirement beyond pre-licensing course. Exemptions available for holders of ChFC, CLU, CPCU, CIC, CFP designations or a four-year degree with major coursework in insurance.
Residency
Must apply as resident producer if domiciled in Colorado. Non-residents apply through NIPR with active home state license.
Background Check
Colorado does not require fingerprinting or a formal background check for standard producer license lines (Life, Accident & Health, Property, Casualty, Personal Lines). Background questions are part of the application. Fingerprinting is required for specific license types like Bail Bond Agent and Domestic Insurer.
Fingerprinting
Required
Citizenship
Lawful presence in the US is no longer required for insurance producer applications and renewals in Colorado.
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee via NIPR or Sircon. NIPR charges an additional $5.60 transaction fee. | $47 per line of authority |
P&C Exam Fee Covers up to two exams (Property + Casualty) in one test center session. Remote OnVUE exams are $31 per exam. | $41 |
L&H Exam Fee Covers up to two exams (Life + Accident & Health) in one test center session. Remote OnVUE exams are $31 per exam. | $41 |
Fingerprinting Fee Fingerprinting is not required for standard producer license lines in Colorado. | $0 |
Total Gov. Fees (Single Line) Application ($47) + one exam session ($41) = $88. Add $5.60 NIPR transaction fee if applicable. | $88 |
Total Gov. Fees (Both Lines) Application ($47) + P&C exam session ($41) + L&H exam session ($41) = $129. Add $5.60 NIPR transaction fee if applicable. | $129 |
Pre-Licensing Course Cost: $200-$500(per line)
Varies by provider. Per line. NOT a government fee. Colorado requires 50 hours per line.
Complete 50 hours of approved pre-licensing education for Property and 50 hours for Casualty (or combined course)
Pass the pre-licensing certificate exam with 70% or better (proctored)
Schedule and take the Property and Casualty exams through Pearson VUE
Pass each exam with 70% or better
Apply for your license through NIPR (nipr.com) or Sircon within 12 months of passing the exam
Pay the $47 application fee (plus $5.60 NIPR transaction fee if applicable)
Receive license approval from Colorado Division of Insurance
Obtain appointment from at least one insurance carrier
Complete 50 hours of approved pre-licensing education for Life and 50 hours for Accident & Health (or combined course)
Pass the pre-licensing certificate exam with 70% or better (proctored)
Schedule and take the Life and Accident & Health exams through Pearson VUE
Pass each exam with 70% or better
Apply for your license through NIPR (nipr.com) or Sircon within 12 months of passing the exam
Pay the $47 application fee (plus $5.60 NIPR transaction fee if applicable)
Receive license approval from Colorado Division of Insurance
Obtain appointment from at least one insurance carrier
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products. Carriers submit appointment requests to the Division of Insurance.
Appointment fee: Paid by carrier
Colorado participates in NIPR and has reciprocity arrangements with most states. Non-resident producers with active home state licenses can obtain Colorado licenses without additional exams. Apply through NIPR.
Additional requirements: Must hold active license in good standing in home state. Must be appointed by a carrier in Colorado.
Renewal Cycle
2 years
Renewal Fee
$27 per line of authority
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. 18 hours must be for the type of license held. CE requirement begins with second renewal period. No late renewal period — must reinstate or reapply if expired.
Regulatory Board
Unique to Colorado: Colorado is one of few states that does not require fingerprinting or a formal background check for standard insurance producer licenses. The state also recently removed the lawful presence requirement for producer applications. Colorado requires a relatively high 50 hours of pre-licensing education per line compared to the national average of 20-40 hours.
Explore requirements for other professional licenses in Colorado.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#19 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$45,930
25th percentile
Median
$61,020
+1% vs. national avg ($60,370)Experienced
$84,690
75th percentile
Wage Distribution (Annual)
9,340 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+23% salary growth potential
You are here
Insurance Agent
$61,020
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$61,020
Adjuster licensing + claims experience
$75,120
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Colorado Division of Insurance (DORA) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Colorado Division of Insurance (DORA) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Colorado Division of Insurance (DORA) — Licensing Requirements
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