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How to get an insurance license in Missouri. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $208.75 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.
83% of data points are verified against official sources. 3 fields based on preliminary research. 1 field needs verification. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$208.75
Gov. Fees (Both)
Insurance Producer
Missouri issues producer licenses with individual lines of authority. Pre-licensing education is NOT required. Combined exams available for P&C and L&H. Exams administered by Pearson VUE. Effective May 7, 2025, remote state exams are no longer offered.
Other Available Lines of Authority
No pre-licensing education required
Not required. Exam prep recommended.
Missouri Property & Casualty Insurance Producer Exam
Administered by Pearson VUE (in-person only as of 5/7/2025)
165
Questions
70% on each section (national and state scored separately, not averaged)
Passing Score
180 minutes (3 hours)
Time Limit
$35 (combined P&C)
Exam Fee
Combined P&C: 165 questions (140 scored + 25 pretest), 3 hours. Individual Property: 105 questions (90 scored + 15 pretest), 2 hours. Individual Casualty: 105 questions (90 scored + 15 pretest), 2 hours. Effective May 7, 2025, remote exams no longer available.
No pre-licensing education required
Not required. Exam prep recommended.
Missouri Life and Accident & Health Insurance Producer Exam
Administered by Pearson VUE (in-person only as of 5/7/2025)
170
Questions
70% on each section
Passing Score
180 minutes (3 hours)
Time Limit
$29 (combined L&H)
Exam Fee
Combined L&H: 170 questions (145 scored + 25 pretest), 3 hours. Individual Life: 105 questions (90 scored + 15 pretest), 2 hours. Individual A&H: 105 questions (90 scored + 15 pretest), 2 hours.
Minimum Age
18 years old
Education
No formal education requirement; no pre-licensing education required
Residency
Must apply as resident producer if domiciled in Missouri
Background Check
Fingerprints must be submitted through MACHS (Missouri Automated Criminal History Site). Registration number for DCI: 2955. Visit machs.mo.gov for submission details.
Fingerprinting
Required
Citizenship
Must have SSN or FEIN
| Fee | Amount |
|---|---|
Application Fee Application fee via NIPR plus ~$5.60 transaction fee | $100 |
P&C Exam Fee Pearson VUE exam fee for combined P&C exam. Individual line exams may differ. | $35 |
L&H Exam Fee Pearson VUE exam fee for combined Life & Accident/Health exam | $29 |
Fingerprinting Fee MACHS state and federal background check fee ($20 state + $13.25 FBI + $11.50 IDEMIA service fee). UNVERIFIED exact insurance-specific fee. | $44.75 |
Total Gov. Fees (Single Line) $100 application + $29 exam (single line) + ~$44.75 fingerprinting | $173.75 |
Total Gov. Fees (Both Lines) $100 application + $35 P&C exam + $29 L&H exam + ~$44.75 fingerprinting | $208.75 |
Pre-Licensing Course Cost: $0-$400(per line)
Pre-licensing education is NOT required in Missouri. Education costs are optional exam prep only. NOT a government fee.
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the P&C exam with Pearson VUE ($35 combined)
Submit fingerprints through MACHS (machs.mo.gov, DCI registration #2955)
Apply for license through NIPR and pay $100 application fee
Receive license and obtain carrier appointments to begin selling
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Life & Accident/Health exam with Pearson VUE ($29 combined)
Submit fingerprints through MACHS (if not already completed)
Apply for license through NIPR and pay $100 application fee
Receive license and obtain carrier appointments to begin selling
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.
Appointment fee: Paid by carrier
Non-resident licensing available through NIPR.
Additional requirements: Must hold valid resident license in home state
Renewal Cycle
2 years
Renewal Fee
$100
CE Required
16 hours per cycle
Ethics Hours
3 hours (included in CE total)
16 hours of CE per biennial renewal cycle, including 3 hours of ethics. This is lower than many states that require 24 hours.
Regulatory Board
Unique to Missouri: Missouri has some of the lowest exam fees in the country ($29-$35) and only requires 16 CE hours per renewal cycle (vs. the more common 24 hours). The state does not require pre-licensing education. However, as of May 2025, remote exams are no longer available, requiring all candidates to test in person. Missouri uses MACHS for fingerprinting rather than the IdentoGO system used by many other states.
Explore requirements for other professional licenses in Missouri.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#27 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
$38,010
25th percentile
Median
$59,680
-1% vs. national avg ($60,370)Experienced
$89,940
75th percentile
Wage Distribution (Annual)
10,350 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+28% salary growth potential
You are here
Insurance Agent
$59,680
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$59,680
Adjuster licensing + claims experience
$76,220
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: Missouri Department of Commerce and Insurance (DCI) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Missouri Department of Commerce and Insurance (DCI) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Missouri Department of Commerce and Insurance (DCI) — Licensing Requirements
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