Insurance Continuing Education

Continuing education, also known as CE, are state-required courses taken by an insurance agent, salesperson, or employee to ensure a satisfactory level of knowledge about the insurance field. In these courses, you may learn about new types of policies, new laws or statutes that have taken effect, ethics, general insurance knowledge, and many other lessons. Life insurance continuing education and property and casualty continuing education are generally all taken at the same time.


For continuing education courses and credits, StateRequirement recommends:

How Many CE Credit Hours Are Required For Insurance?

Depending on the state, the number of continuing education hours that must be taken falls between sixteen (16) and forty (40) per renewal period. Most states have a renewal period of two (2) years, but there are a few exceptions of three (3) and four (4) years. There are a few states require that you take a certain number of hours per line of insurance on your license, but most just require credits per license.

There is generally a three (3) hour requirement for an ethics course, and sometimes a mandated course on national flood insurance as well.

To find the specific amount of CE credit hours you must complete in your state select your state below to find our Insurance License Renewal pages.


How Much Does Insurance Continuing Education Cost?

The cost for most complete insurance CE courses is between $40 - $100 plus state reporting fees. Purchasing the courses in a full set from the CE provider will ensure that you fill all of the requirements needed to satisfy the state.

You may also purchase individual courses from providers. This would come in handy if you were to take a few continuing education courses offered by a local organization but need to fill in the gaps for your renewal. These generally cost $20 - $30 plus state reporting fees.

How Long Does It Take To Complete CE Courses?

There are a few variables that will affect the amount of time it will take to complete your continuing education:

  • Number of credit hours required by your state
  • The subject matter of the courses
  • Online or in-person classes
  • Continuing education provider
  • Your reading speed
  • Your testing ability

Yes, there will most likely be a test, but it’s nothing like the original insurance license exam. States have directed continuing education providers to include a “knowledge test” at the end of the course. This is to verify that you have an understanding of the topics covered in the courses. Generally, these knowledge tests will be broken down by chapter or module and will only contain information that was covered in that particular section.

Another interesting feature of most online CE courses is that the providers place a timer inside the courses to ensure you don’t speed through just to get it done quickly. In most cases, there will be a video or reading that needs to be completed, so if you are actually trying to take in the information at your normal pace chances are that you won’t notice this timer.

Most courses, whether in-person or online, should take about two (2) days to complete.

How Do I Check My Continuing Education Credits?

The state insurance license departments generally have an online tool to report how many CE credit hours you have taken during the current renewal period.

You can find access to these tools from our state-specific Insurance License Renewal pages.


Information on this page has been gathered by a multitude of sources and was most recently updated in December 2018.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.