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How to get an insurance license in North Dakota. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $426.25 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
$426.25
Gov. Fees (Both)
Insurance Producer
North Dakota licenses insurance producers by individual lines of authority. Available lines include Life and Annuity, Accident and Health, Property, Casualty, and Personal Lines. Effective September 12, 2025, North Dakota updated its Lines of Authority to align more closely with national standards. Major Lines license holders must renew biennially.
Other Available Lines of Authority
No pre-licensing education required
Not required.
North Dakota Property and Casualty Exams (separate)
Administered by Pearson VUE
220
Questions
70%
Passing Score
150 minutes per exam
Time Limit
$128 total ($64 per exam)
Exam Fee
Separate Property and Casualty exams required. Each exam has 110 questions (100 scored, 10 pretest), 2.5 hours. Must pass each section (General Knowledge and State Law) with 70%. Exam fee is $64 per exam ($128 total for both). PSI offers both in-person and remote online proctored exams. Exam scores valid for 1 year.
No pre-licensing education required
Not required.
North Dakota Life and Annuity / Accident and Health Exams (separate)
Administered by Pearson VUE
220
Questions
70%
Passing Score
150 minutes per exam
Time Limit
$128 total ($64 per exam)
Exam Fee
Separate Life and Annuity and Accident and Health exams required. Each exam has 110 questions (100 scored, 10 pretest), 2.5 hours. Must pass each section with 70%. $64 per exam ($128 total). 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 North Dakota. Non-resident licenses available through NIPR.
Background Check
Criminal background check with fingerprinting required for all new applicants. Fingerprinting is processed through PSI. Fingerprinting is NOT required for renewals, applicants within 12 months of cancellation/expiration, or those adding a line of authority to an existing license.
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
| Fee | Amount |
|---|---|
Application Fee Initial application fee for a resident insurance producer license. Plus $5.60 NIPR transaction fee. | $50 |
P&C Exam Fee Two separate exams required: Property ($64) + Casualty ($64) = $128 total. Some sources cite $86 for a combined P&C exam. | $128 |
L&H Exam Fee Two separate exams required: Life and Annuity ($64) + Accident and Health ($64) = $128 total | $128 |
Fingerprinting Fee PSI processing fee ($29.00) + BCI fee ($41.25) = $70.25 total | $70.25 |
Total Gov. Fees (Single Line) Application ($100) + two exams for one line ($128) + fingerprint ($70.25) = $298.25. Does not include NIPR transaction fee ($5.60). | $298.25 |
Total Gov. Fees (Both Lines) Application ($100) + P&C exams ($128) + L&H exams ($128) + fingerprint ($70.25) = $426.25. Does not include NIPR transaction fee ($5.60). | $426.25 |
Pre-Licensing Course Cost: $0 (not required)(per line)
Pre-licensing education is not required. Voluntary study courses typically cost $150-$400 per line.
Register and schedule your Property exam through PSI (psiexams.com). Pay the $64 exam fee.
Pass the Property exam with a score of 70% on each section.
Register and schedule your Casualty exam through PSI. Pay the $64 exam fee.
Pass the Casualty exam with a score of 70% on each section.
Complete fingerprinting through PSI. Pay the $70.25 fingerprint/background check fee.
Submit your license application through NIPR with the $100 application fee plus $5.60 transaction fee within 1 year of passing your exams.
Receive your license from the North Dakota Insurance Department.
Register and schedule your Life and Annuity exam through PSI (psiexams.com). Pay the $64 exam fee.
Pass the Life and Annuity exam with a score of 70% on each section.
Register and schedule your Accident and Health exam through PSI. Pay the $64 exam fee.
Pass the Accident and Health exam with a score of 70% on each section.
Complete fingerprinting through PSI. Pay the $70.25 fingerprint/background check fee.
Submit your license application through NIPR with the $100 application fee plus $5.60 transaction fee within 1 year of passing your exams.
Receive your license from the North Dakota Insurance Department.
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
$25
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per biennial compliance period, including 3 hours of ethics. Required for producers licensed for Life and Annuities, Accident and Health, Casualty, Property, Personal Lines, and Crop Hail.
Regulatory Board
Unique to North Dakota: North Dakota is one of the more expensive states for initial licensing, with a $100 application fee, separate exams at $64 each, and a $70.25 fingerprint fee. The state uses PSI for both exam administration and fingerprinting. North Dakota updated its Lines of Authority in September 2025 to align with national standards and recently added Pharmacy Benefit Manager licensing.
Explore requirements for other professional licenses in North Dakota.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#10 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
$48,250
25th percentile
Median
$65,850
+9% vs. national avg ($60,370)Experienced
$96,670
75th percentile
Wage Distribution (Annual)
1,240 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
You are here
Insurance Agent
$65,850
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$65,850
Adjuster licensing + claims experience
$59,950
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: North Dakota Insurance Department — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: North Dakota Insurance Department — Licensing Requirements
1–4 weeks
Estimated processing time
Source: North Dakota Insurance Department — Licensing Requirements
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