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.

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).

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