Insurance Licensing Compliance Guide

Insurance Licensing Compliance

Insurance Agent Compliance

Insurance agents and other individuals involved in the insurance industry must be licensed to provide the services they offer. Licensing is typically regulated at the state level, although some lines of authority are subject to federal regulation. Insurance licensing requirements vary by state and by type of insurance service being offered.

Table of Insurance Licenses

The following table summarizes insurance licensing requirements across the United States. Click on any state for the licensing information specific to that state.

Alabama

More Info

Agency

Alabama Department of Insurance

Application Types

Applying

Initial License Fee:

From $60 to $1,000 depending on license type

Renewal Fee:

Alaska

More Info

Agency

Alaska Department of Commerce, Community, and Economic Development - Division of Insurance

Application Types

Applying

Initial License Fee:

From $0 to $300 depending on license type.

Renewal Fee:

Arizona

More Info

Agency

Arizona Department of Insurance

Application Types

Applying

Initial License Fee:

From $0 to $1,000 depending on license type.

Renewal Fee:

Arkansas

More Info

Agency

Arkansas Insurance Department

Application Types

Applying

Initial License Fee:

From $0 to $1,035 depending on license type.

Renewal Fee:

California

More Info

Agency

California Department of Insurance

Application Types

Applying

Initial License Fee:

From $85 to $1,178 depending on license type.

Renewal Fee:

$188 for Property & Casualty

Fees vary based on lines of authority.

Colorado

More Info

Agency

Colorado Department of Regulatory Agencies - Division of Insurance

Application Types

Applying

Initial License Fee:

From $57 to $233 depending on license type.

Renewal Fee:

Connecticut

More Info

Agency

Connecticut Insurance Department

Application Types

Applying

Initial License Fee:

From $130 to $675 depending on license type.

Renewal Fee:

Delaware

More Info

Agency

Delaware Department of Insurance

Application Types

Applying

Initial License Fee:

From $0 to $1,000 depending on license type.

Renewal Fee:

District of Columbia

More Info

Agency

District of Columbia Department of Insurance, Securities, and Banking

Application Types

Applying

Initial License Fee:

From $0 to $300 depending on license type.

Renewal Fee:

Florida

More Info

Agency

Florida Office of Insurance Regulation

Application Types

Applying

Initial License Fee:

From $55 to $150 depending on license type.

Renewal Fee:

Georgia

More Info

Agency

Georgia Office of Insurance and Safety Fire Commissioner

Application Types

Applying

Initial License Fee:

From $100 to $600 depending on license type

Renewal Fee:

Hawaii

More Info

Agency

Hawaii Department of Commerce and Consumer Affairs - Insurance Division

Application Types

Applying

Initial License Fee:

From $150 to $2,800 depending on license type

Renewal Fee:

Idaho

More Info

Agency

Idaho Department of Insurance

Application Types

Applying

Initial License Fee:

From $80 to $500 depending on license type

Renewal Fee:

Illinois

More Info

Agency

Illinois Department of Insurance

Application Types

Applying

Initial License Fee:

From $0 to $400 depending on license type.

Renewal Fee:

Indiana

More Info

Agency

Indiana Department of Insurance

Application Types

Applying

Initial License Fee:

From $40 to $80 depending on license type

Renewal Fee:

Iowa

More Info

Agency

Iowa Insurance Division

Application Types

Applying

Initial License Fee:

$50 for most.

Renewal Fee:

Kansas

More Info

Agency

Kansas Insurance Department

Application Types

Applying

Initial License Fee:

From $30 to $100 depending on license type

Renewal Fee:

Kentucky

More Info

Agency

Kentucky Department of Insurance

Application Types

Applying

Initial License Fee:

From $25 to $500 depending on license type

Renewal Fee:

Louisiana

More Info

Agency

Louisiana Department of Insurance

Application Types

Applying

Initial License Fee:

From $55 to $250 depending on license type

Renewal Fee:

Maine

More Info

Agency

Maine Bureau of Insurance

Application Types

Applying

Initial License Fee:

From $25 to $165 depending on license type

Renewal Fee:

Maryland

More Info

Agency

Maryland Insurance Administration

Application Types

Applying

Initial License Fee:

From $5 to $250 depending on license type

Renewal Fee:

Massachusetts

More Info

Agency

Massachusetts Office of Consumer Affairs and Business Regulation

Application Types

Applying

Initial License Fee:

From $150 to $225 depending on license type

Renewal Fee:

Michigan

More Info

Agency

Michigan Department of Insurance and Financial Services

Application Types

Applying

Initial License Fee:

From $10 to $110 depending on license type

Renewal Fee:

Minnesota

More Info

Agency

Minnesota Department of Commerce

Application Types

Applying

Initial License Fee:

From $50 to $500 depending on license type

Renewal Fee:

Mississippi

More Info

Agency

Mississippi Insurance Department

Application Types

Applying

Initial License Fee:

From $5 to $100 depending on license type

Renewal Fee:

Missouri

More Info

Agency

Missouri Department of Insurance

Application Types

Applying

Initial License Fee:

From $25 to $150 depending on license type

Renewal Fee:

Montana

More Info

Agency

Office of The Montana State Auditor

Application Types

Applying

Initial License Fee:

From $0 to $100 depending on license type

Renewal Fee:

Nebraska

More Info

Agency

Nebraska Department of Insurance

Application Types

Applying

Initial License Fee:

From $20 to $250 depending on license type

Renewal Fee:

Nevada

More Info

Agency

Nevada Division of Insurance

Application Types

Applying

Initial License Fee:

From $138 to $235 depending on license type

Renewal Fee:

$185

New Hampshire

More Info

Agency

New Hampshire Insurance Department

Application Types

Applying

Initial License Fee:

From $75 to $210 depending on license type

Renewal Fee:

New Jersey

More Info

Agency

New Jersey Department of Banking and Insurance - Division of Insurance

Application Types

Applying

Initial License Fee:

From $70 to $170 depending on license type

Renewal Fee:

New Mexico

More Info

Agency

New Mexico Office of Superintendent of Insurance

Application Types

Applying

Initial License Fee:

From $30 to $100 depending on license type

Renewal Fee:

New York

More Info

Agency

New York Department of Financial Services

Application Types

Applying

Initial License Fee:

From $0 to $7,500 depending on license type

Renewal Fee:

North Carolina

More Info

Agency

North Carolina Department of Insurance

Application Types

Applying

Initial License Fee:

From $82 to $582 depending on license type

Renewal Fee:

North Dakota

More Info

Agency

North Dakota Insurance Department

Application Types

Applying

Initial License Fee:

$100 for most.

Renewal Fee:

Ohio

More Info

Agency

Ohio Department of Insurance

Application Types

Applying

Initial License Fee:

From $10 to $500 depending on license type

Renewal Fee:

Oklahoma

More Info

Agency

Oklahoma Insurance Department

Application Types

Applying

Initial License Fee:

From $15 to $250 depending on license type

Renewal Fee:

Oregon

More Info

Agency

Oregon Division of Financial Regulation

Application Types

Applying

Initial License Fee:

From $45 to $75 depending on license type

Renewal Fee:

Pennsylvania

More Info

Agency

Pennsylvania Insurance Department

Application Types

Applying

Initial License Fee:

From $55 to $200 depending on license type

Renewal Fee:

Rhode Island

More Info

Agency

Rhode Island Department of Business Regulation

Application Types

Applying

Initial License Fee:

From $0 to $200 depending on license type

Renewal Fee:

South Carolina

More Info

Agency

South Carolina Department of Insurance

Application Types

Applying

Initial License Fee:

From $0 to $400 depending on license type

Renewal Fee:

South Dakota

More Info

Agency

South Dakota Department of Labor and Regulation - Division of Insurance

Application Types

Applying

Initial License Fee:

From $25 to $50 depending on license type

Renewal Fee:

Tennessee

More Info

Agency

Tennessee Department of Commerce and Insurance

Application Types

Applying

Initial License Fee:

From $50 to $120 depending on license type

Renewal Fee:

Texas

More Info

Agency

Texas Department of Insurance

Application Types

Applying

Initial License Fee:

$50 for most.

Renewal Fee:

Utah

More Info

Agency

Utah Insurance Department

Application Types

Applying

Initial License Fee:

From $50 to $75 depending on license type

Renewal Fee:

Vermont

More Info

Agency

Vermont Department of Financial Regulation

Application Types

Applying

Initial License Fee:

From $60 to $430 depending on license type

Renewal Fee:

Virginia

More Info

Agency

Virginia State Corporation Commission, Bureau of Insurance

Application Types

Applying

Initial License Fee:

From $15 to $250 depending on license type

Renewal Fee:

Washington

More Info

Agency

Washington Office of the Insurance Commissioner

Application Types

Applying

Initial License Fee:

From $25 to $205 depending on license type

Renewal Fee:

West Virginia

More Info

Agency

West Virginia Offices of the Insurance Commissioner

Application Types

Applying

Initial License Fee:

From $25 to $200 depending on license type

Renewal Fee:

Wisconsin

More Info

Agency

Wisconsin Office of the Commissioner of Insurance

Application Types

Applying

Initial License Fee:

From $10 to $750 depending on license type

Renewal Fee:

Wyoming

More Info

Agency

Wyoming Department of Insurance

Application Types

Applying

Initial License Fee:

From $10 to $100 depending on license type

Renewal Fee:

Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.

Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.

Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.

Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.

Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.

Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.

Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.

Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.

Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.

Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.

Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.

National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.

National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.

National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.

National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.

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