How to Get a Property and Casualty License in Missouri

Written by: Mary Gerardine

Last updated:

Getting your Missouri property and casualty license is the first step toward becoming a P&C insurance agent in Missouri.

The Missouri Department of Insurance requires you to complete a four-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Missouri Property and Casualty Insurance License

  1. Complete a Missouri Pre-License Education Course (Kaplan – $139)
  2. Take the Missouri Licensing Exam (Pearson VUE – $35)
  3. Complete a Missouri License Application (National Insurance Producer Registry (NIPR) – $100 application fee + $5.60 transaction fee)
  4. Watch for Your Application Results

Property and Casualty Insurance License Missouri

Obtaining your Missouri P&C license is easy. Just follow these four simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Missouri life insurance license as well.

Step 1: Complete a Missouri Pre-License Education Course

Before you take the Missouri P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Missouri doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Pre-license education courses are self-paced and include study materials like practice exams and flashcards. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.


Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run. For pre-licensing education, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 2: Take the Missouri Licensing Exam

After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Missouri P&C license exam.

Missouri uses Pearson VUE as its official testing service for delivering licensure exams.

The Missouri P&C insurance exam:

  • Includes a total of 140 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic property and casualty insurance product knowledge. The state-specific section covers P&C insurance concepts and terms, rules, regulations, and practices specific to Missouri.
  • Gives you 180 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
  • Costs $35, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

Passing the Missouri P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.

If you happen to fail the Missouri P&C insurance exam, you must wait one day before scheduling your reexamination.


Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

Step 3: Complete a Missouri License Application

Once you pass the P&C insurance exam, you can apply for your P&C insurance license.

In Missouri, you must apply online via the NIPRThe application fee is $100 and the transaction fee is $5.60.

The Missouri Department of Insurance will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a P&C insurance license in Missouri, make sure you comply with the insurance licensing requirements as defined under the Missouri Insurance Code and the Missouri Administrative Code.

If you have any questions or need to forward supporting documents related to your license application, send them to

Step 4: Watch for Your Application Results

After you complete the previous three steps, the Missouri Department of Insurance will review your application. It reviews applications in the order it receives them, and this process usually takes five to 10 business days from the date you submit your application.

You can print your license from the NIPR website. There’s no charge to create an account or print a license. To verify the issuance of your license, go to the National Association of Insurance Commissioners (NAIC) State-Based Systems (SBS) Missouri Lookup tool.


You’re now ready to get started as a P&C insurance agent in Missouri.

Next Steps After Securing Your Missouri Property and Casualty Insurance License

Once you complete the above steps and have your Missouri P&C insurance license, here’s what you should pursue next.

Get a Job in the Insurance Field

Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

You can find P&C insurance job postings on our Insurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

Complete Continuing Education and Renew Your License

In Missouri, you must take 16 hours of continuing education (CE) courses for P&C lines of authority every two years to renew your P&C license. Missouri CE requirements state that three of those hours must focus on ethics.

If you have a non-resident license with good standing in your home state, you don’t need to take CE courses in Missouri.

The Missouri Department of Insurance will send you a renewal notice 60 to 90 days before your license expires. Renew your Missouri P&C insurance license online via the NIPRThe renewal fee is $100 and the late fee is $25.

For more detailed information, check out how to renew your license with our Missouri insurance license renewal guide.

Missouri Department of Insurance Contact Information

Mailing Address:

P.O. Box 690
Jefferson City, MO 65102-0690

Phone: (573) 751-3518



License Search: Missouri Insurance License Lookup

Missouri Property and Casualty License FAQ

How much does it cost to get a property and casualty insurance license in Missouri?

The total cost of getting a property and casualty (P&C) insurance license in Missouri is at least $329.60, but can reach nearly $500 based on the type of pre-license education course you choose. The costs include:
Insurance Pre-license Education Course Fee: $139 via Kaplan
Exam Fee: $35 via Pearson VUE
Application Fee: $100 application fee + $5.60 transaction fee via the NIPR

How long does it take to process a property and casualty insurance license application in Missouri?

It will take up to five to ten business days for you to become an insurance agent from the date you submit your application via the NIPR.

Can I get a temporary property and casualty insurance agent license in Missouri?

No. Missouri no longer issues temporary insurance licenses.

Can I get an emergency property and casualty insurance agent license in Missouri?

No. An emergency license isn’t available for P&C insurance agents in Missouri.

How much can you make with a property and casualty insurance license in Missouri?

According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

Can I cancel my property and casualty license in Missouri?

Yes. To cancel your license, you must submit a signed statement to the Missouri Department of Insurance that indicates you want to cancel or surrender your license. This statement must include your name and license number. Email your signed statement as an attachment to or fax it to (573) 526-3416.

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