Insurance Agent — Property & Casualty License Guide 2026
Insurance Agent — Property & Casualty licensing in 2026 is regulated state-by-state: verified pre-license education ranges from 12–200 hours, the exam is most commonly administered by PSI, and published first-attempt pass rates are not consistently published. A background check is required in 51 of 51 states with verified data.
Sells auto, home and liability insurance. State licensing exams administered by PSI/Pearson VUE.
National overview — P&C Agent at a glance
| States with verified data | 51 of 51 |
| Pre-license education | 12–200 hrs |
| Most common exam vendor | PSI |
| Exam passing score | 60–70% |
| National pass-rate reference | ~60% (industry reference) |
| Published state pass rates | not published |
| Exam fee | $33–80 |
| Application fee | $50–120 |
| Common renewal cycle | every 2 years |
| Background check | 51 of 51 states |
State-by-state essentials (top verified states)
Florida
Full guide ↗- Education
- 200 hrs
- Exam vendor
- Pearson VUE
- Exam
- 160N · 70%
- Exam fee
- $44
- Application fee
- $50
- Renewal
- 2 yrs · 24 CE
New York
Full guide ↗- Education
- 90 hrs
- Exam vendor
- PSI
- Exam
- 150N · 70%
- Exam fee
- $33
- Application fee
- $80
- Renewal
- 2 yrs · 15 CE
Pennsylvania
Full guide ↗- Exam vendor
- PSI
- Exam
- 150N · 70%
- Exam fee
- $55
- Application fee
- $55
- Renewal
- 2 yrs · 24 CE
Texas
Full guide ↗- Exam vendor
- Pearson VUE
- Exam
- 130N · 70%
- Exam fee
- $49
- Application fee
- $50
- Renewal
- 2 yrs · 24 CE
California
Full guide ↗- Education
- 12 hrs
- Exam vendor
- PSI
- Exam
- 150N · 60%
- Renewal
- 2 yrs · 24 CE
How to get a P&C Agent license — step by step
- 1Meet the basic requirements
Minimum age is 18 in every state with a published figure. A criminal background check is required in 51 of 51 verified states.
- 2Complete pre-license education
Approved training hours run from 12–200 hours across verified states. Choose a state-approved program; your school reports completion to the licensing authority.
- 3Register and pass the exam
The exam is most often administered by PSI, with a 60–70% passing score. Schedule through the vendor portal after your education is reported.
- 4Pay fees and submit your application
Expect an exam fee of $33–80 and an application fee of $50–120. Submit any required background check results with your application.
- 5Maintain your license
The most common renewal cycle is every 2 years. Track continuing-education deadlines so your license never lapses.
Frequently asked questions
How many hours of education do I need to become a P&C Agent?
Verified requirements range from 12–200 hours across states. Check your state's exact figure before enrolling — hours are set by each state board.
How hard is the Insurance Agent — Property & Casualty exam?
The national pass-rate reference is ~60%. Most states do not publish first-attempt pass rates — check your state board.
What does a P&C Agent license cost?
Exam fees run $33–80 and application fees run $50–120, not counting education or fingerprinting.
Who administers the Insurance Agent — Property & Casualty exam?
The most common vendors are PSI (31 states), Pearson VUE (20 states). Your state chooses one vendor — confirm on your state's licensing page.
Can I transfer my P&C Agent license to another state?
Reciprocity for P&C Agent licenses is decided state-by-state and is not uniformly published. Contact both state boards before moving to confirm whether your license transfers or requires an exam.
Dig deeper into P&C Agent licensing
This guide is informational and not legal advice. Requirements change frequently — verify all figures with your state licensing board (data retrieved 2026-08-20).