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How to get an insurance license in Montana. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $271.60 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
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$271.60
Gov. Fees (Both)
Insurance Producer
Montana licenses insurance producers by individual lines of authority with separate exams for Life, Accident & Health, Property, and Casualty. Each line requires passing both the national/general section and the state-specific section separately (scores are not averaged). Montana also offers Personal Lines and Adjuster licenses.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Montana Property and Casualty Exams (separate exams)
Administered by Pearson VUE
189
Questions
75%
Passing Score
Property: 120 minutes, Casualty: 135 minutes
Time Limit
$59 per exam ($118 total for both Property and Casualty)
Exam Fee
Montana requires separate Property and Casualty exams (no combined P&C exam). Property exam: 92 questions (82 scored, 10 pretest), 2 hours. Casualty exam: 97 questions (87 scored, 10 pretest), 2 hours 15 minutes. You must score 75% on EACH section (general and state) separately—scores are not averaged. Exam scores valid for 1 year. Both in-person and remote (OnVUE) testing available.
No pre-licensing education required
Not required.
Montana Life and Accident & Health Exams (separate exams)
Administered by Pearson VUE
205
Questions
75%
Passing Score
Life: 120 minutes, Accident & Health: 135 minutes
Time Limit
$59 per exam ($118 total for both Life and Accident & Health)
Exam Fee
Montana requires separate Life and Accident & Health exams. Life exam: 103 questions (86 scored, 17 pretest), 2 hours. Accident & Health exam: 102 questions (92 scored, 10 pretest), 2 hours 15 minutes. Must score 75% on each section (general and state) separately. Exam scores valid for 1 year.
Minimum Age
18 years old
Education
No formal education requirement specified beyond passing the licensing exam
Residency
Must apply as resident producer if domiciled in Montana. Non-resident licenses available through NIPR.
Background Check
State and federal criminal background check required. Fingerprinting is mandatory for all unlicensed applicants. Applicants must complete an Applicant Rights and Consent to Fingerprint Form and email it to csiapplicantrights@mt.gov. Fingerprinting can be done at Pearson VUE testing centers.
Fingerprinting
Required
Citizenship
US citizen or authorized to work in the US
| Fee | Amount |
|---|---|
Application Fee Montana does not charge a processing fee for insurance producer applications. Only the NIPR transaction fee of approximately $5.60 applies. | $50 |
P&C Exam Fee Montana requires two separate exams: Property ($59) + Casualty ($59) = $118 total | $118 |
L&H Exam Fee Montana requires two separate exams: Life ($59) + Accident & Health ($59) = $118 total | $118 |
Fingerprinting Fee Fingerprint processing fee | $30 |
Total Gov. Fees (Single Line) NIPR fee ($5.60) + two exams for one line ($118) + fingerprint fee ($30) = $153.60. No state application fee. | $153.60 |
Total Gov. Fees (Both Lines) NIPR fee ($5.60) + P&C exams ($118) + L&H exams ($118) + fingerprint fee ($30) = $271.60. No state application fee. | $271.60 |
Pre-Licensing Course Cost: $0 (not required)(per line)
Pre-licensing education is not required. Voluntary study courses typically cost $139-$400 per line.
Complete the Applicant Rights and Consent to Fingerprint Form and email it to csiapplicantrights@mt.gov.
Get fingerprinted at a Pearson VUE testing center or other approved location. Pay the $30 fingerprint fee.
Register and schedule your Property exam through Pearson VUE. Pay the $59 exam fee.
Pass the Property exam with a score of 75% on each section (general and state).
Register and schedule your Casualty exam through Pearson VUE. Pay the $59 exam fee.
Pass the Casualty exam with a score of 75% on each section.
Submit your license application through NIPR (nipr.com). Pay the $5.60 NIPR transaction fee.
Receive your license from the Montana CSI.
Complete the Applicant Rights and Consent to Fingerprint Form and email it to csiapplicantrights@mt.gov.
Get fingerprinted at a Pearson VUE testing center or other approved location. Pay the $30 fingerprint fee.
Register and schedule your Life exam through Pearson VUE. Pay the $59 exam fee.
Pass the Life exam with a score of 75% on each section (general and state).
Register and schedule your Accident & Health exam through Pearson VUE. Pay the $59 exam fee.
Pass the Accident & Health exam with a score of 75% on each section.
Submit your license application through NIPR (nipr.com). Pay the $5.60 NIPR transaction fee.
Receive your license from the Montana CSI.
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Non-resident licenses available through NIPR. Non-resident applicants must hold a valid resident license in their home state.
Additional requirements: Non-resident applicants must submit application through NIPR with home state license in good standing
Renewal Cycle
2 years
Renewal Fee
$0
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per biennial renewal cycle, including 3 hours of ethics and 1 hour of Montana statutes. CE completion triggers automatic license renewal.
Regulatory Board
Unique to Montana: Montana is notable for having NO application fee and NO renewal fee, making it one of the most affordable states for insurance licensing. However, it requires a higher-than-average 75% passing score and mandates separate exams for each individual line (no combined P&C or L&H exams). Montana also requires 1 hour of state-specific statute CE in addition to the standard ethics requirement.
Explore requirements for other professional licenses in Montana.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#35 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
$45,600
25th percentile
Median
$57,360
-5% vs. national avg ($60,370)Experienced
$76,240
75th percentile
Wage Distribution (Annual)
1,860 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+10% salary growth potential
You are here
Insurance Agent
$57,360
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$57,360
Adjuster licensing + claims experience
$63,240
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: Montana Commissioner of Securities and Insurance (CSI) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Montana Commissioner of Securities and Insurance (CSI) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Montana Commissioner of Securities and Insurance (CSI) — Licensing Requirements
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