Property and Casualty (P&C) License Cost by State

Written by: Mary Gerardine

Cartoon woman with P&C license state cost document

    The cost of getting a property and casualty (P&C) license varies from state to state. The total cost typically includes fees for a prelicensing education course, the licensing exam and license application, a background check and fingerprinting service, and any other fees a state may have. The average total cost is around $350.


    This state P&C license cost guide breaks down the different costs associated with obtaining a P&C license in each state. Once you know the costs, you’ll be ready to get started with the P&C licensing process.

     

     

    P&C License Cost by State

    The cost of getting a P&C license varies from state to state. The table below shows how much it costs to get a P&C license in each state.

    State

    Licensing Exam Fee

    Fingerprinting/Background Check Fee

    License Application Fee

    Alabama

    $75

    $48.25

    $80

    Alaska

    $89

    $63.25

    $75

    Arizona

    $56

    $42

    $120

    Arkansas

    $100

    $24

    $20

    California

    $55

    $59-$68.95

    $188

    Colorado

    $48

    Not Required

    $89

    Connecticut

    $105

    Not Required

    $140

    Delaware

    $90

    $75

    $100

    Florida

    $44

    $48.05

    $50 + $5 License ID Fee

    Georgia

    $63

    $53

    $120

    Hawaii

    $75

    $67

    $150-$200

    Idaho

    $60

    $70

    $80

    Illinois

    $103

    $0

    (Only a Background Check Required That’s Included in the Application Fee.)

    $180

    Indiana

    $69

    $7 By Mail or $15 Online; 

    (Only a Background Check Required)

    $40

    Iowa

    $69

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.)

    $50

    Kansas

    $64

    $60

    $30

    Kentucky

    $50

    $25

    $40

    Louisiana

    $65

    $58

    $75

    Maine

    $77

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.)

    $25

    Maryland

    $70

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $54

    Massachusetts

    $49

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $300

    Michigan

    $40

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $15

    Minnesota

    $39

    $67.25

    $50 + $30 Tech Fee

    Mississippi

    $54

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $100

    Missouri

    $49

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $100

    Montana

    $68

    $54

    $0

    Nebraska

    $49

    Not Required

    $50

    Nevada

    $49

    $60

    $185

    New Hampshire

    $65

    Not Required

    $210

    New Jersey

    $45

    $66.05

    $170

    New Mexico

    $75

    $44

    $30

    New York

    $33

    Not Required

    $40

    North Carolina

    $45

    $38

    $132

    North Dakota

    $49

    $69.25

    $100

    Ohio

    $42

    $72.25

    $10

    Oklahoma

    $41

    Not Required

    $60

    Oregon

    $55

    $61.25

    $75

    Pennsylvania

    $53

    $23.85

    $55

    Rhode Island

    $80

    $5

    $120

    South Carolina

    $45

    $50.50

    $25

    South Dakota

    $95

    $0 

    (Only a Background Check Required That’s Included in the Application Fee.) 

    $25

    Tennessee

    $59

    $42

    $50

    Texas

    $62

    $30.25

    $50

    Utah

    $44

    $34.25

    $75

    Vermont

    $65

    Not Required

    $65

    Virginia

    $51

    $15

    $15

    Washington

    $66

    $49.25

    $60

    Washington DC

    $75

    $50

    $100

    West Virginia

    $88

    $45.75

    $50

    Wisconsin

    $75

    $39.25

    $75

    Wyoming

    $113

    $39

    $100

    The table above doesn’t include the cost of a prelicensing education course. Those courses can range from around $100 to more than $300, depending on the state and the course.

     

    Prelicensing Education Course Cost

    Some states require you to complete a prelicense education course before taking your P&C insurance exam.

    Even if your state doesn’t require one, a prelicense education course can help you study for your licensing exam and increase your chances of passing it on the first attempt. If you fail the exam, you’ll have to pay a spend time taking it again. That can make a prelicense education course a good investment.

    The cost of a P&C prelicensing course varies from around $100 to more than $300, depending on your state and which course package you choose.

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    Licensing Exam Cost

    The P&C insurance license exam tests your knowledge of the general terms, concepts, and policies related to selling P&C insurance. The questions appear in two categories: general knowledge and state-specific knowledge.

    While the P&C insurance license exam is a computer-based, multiple-choice test in each state, some details will vary from state to state (e.g., the specifics of the exam, the number of questions, how much time you have to complete it, and the passing score).

    Check out our in-depth guide on How To Pass The Insurance Exam

    Fingerprinting/Background Check Cost

    Most states require some sort of background check as part of the P&C license application process — and many require applicants to submit fingerprints. Your state will provide you with instructions for this step.

    The following states don’t require fingerprints when applying for a P&C insurance license: Colorado, Connecticut, Illinois, Indiana, Iowa, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New Hampshire, New York, Oklahoma, South Dakota, and Vermont.

     

    License Application Cost

    Each state has its own license application process. P&C license applications usually are available through your state’s Department of Financial Services, Department of Insurance, State Corporation Commission, or other similar state office. The costs vary for each application.

    Some states require submitting a license application before your exam, and some after the exam, so be sure to check the insurance license application process in your state.

     

    Cost of Printing a License

    After your state approves your application, you may print out your license from the relevant website (e.g., the National Insurance Producer Resource (NIPR) or Sircon). Some states charge a printing fee while others don’t. For example, California has a $5.50 license printing fee.

     

     

    How To Get a P&C Insurance License

    The steps and requirements for getting a P&C insurance license vary slightly from state to state. However, they generally include the following:

    • Complete a Prelicense Education Course
    • Take the P&C Insurance Licensing Exam
    • Get Fingerprinted and/or Complete a Background Check
    • Complete an Insurance License Application
    • Await Your Application Review and License


    Check out our How To Become an Insurance Agent guide for state-specific information.

     

     

    Property and Casualty (P&C) License Cost by State FAQ

    What is a P&C license?

    A P&C license — also known as a P and C license — allows you to sell insurance products like homeowners, auto, commercial property, and professional liability policies.

    How do I get a P&C license?

    Getting a P&C license usually requires the following steps:

    • Completing a prelicense education course
    • Taking the P&C insurance licensing exam
    • Getting fingerprinted and/or completing a background check
    • Completing an insurance license application
    • Await Your Application Review and License

     

    Is the P&C license exam hard?

    Based on data from the National Association of Insurance Commissioners (NAIC), 55 percent of participants pass the exam on their first attempt. This means that, with serious studying and preparation, anyone can pass the exam on their first try.

    Check out our How To Pass the Insurance Exam guide for some useful information.

     

    How much does the P&C license exam cost?

    The cost of the P&C license exam ranges from $33 to $113. New York has the cheapest P&C license exam and Wyoming has the most expensive P&C license exam.

     

    How long is the P&C insurance exam?

    The number of questions on the P&C insurance exam will depend on your state. Following a multiple-choice format, this exam usually includes between 150 and 170 questions. It typically takes between two and four hours to complete.

     

    What are the requirements to get a P&C license?

    To get a P&C license, you must pass the state P&C insurance exam and submit a license application. Many states also require you to take a prelicensing education course and/or pass a background check.

     

    How much can you make by having a P&C license?

    According to ZipRecruiter, most P&C insurance agents earn between $30,000 and $44,500 per year. The top earners can make more than $50,000 per year.




    Information on this page has been gathered by a multitude of sources and was most recently updated on December 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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