last updated 26 Oct 2026
Indiana Insurance Licensing Guide
Alexandra Gallup
Laura Crowell
Table of Contents
Indiana Insurance Licensing Requirements
Standard Requirements
All applicants for an Indiana insurance license must meet Indiana’s eligibility standards. Some eligibility requirements are standard across all states. The full list is available in our U.S. Licensing Guide.
Indiana Specific Licensing Process
In addition to the common licensing requirements, most new applicants must also complete the following steps. Exemptions may apply based on prior licensure, active license status, or qualifying professional designations:
Fingerprinting
Pre-licensing education
Pass state exam
Where Do You Get an Insurance License in Indiana?
In Indiana, insurance licenses are regulated by the Indiana Department of Insurance.
Regulator
Licensing portal
Appointment portal
Licensing email
Address
311 West Washington Street, Indianapolis, Indiana 46204-2787
Phone
317-232-2389
Did You Know?
Indiana insurance licenses generally require 20 hours of pre-licensing education per line of authority.
Temporary emergency independent adjuster licenses are valid for 90 days.
There is no pre-licensing education or exam requirement for the limited line credit producer license.
Indiana offers licenses for independent adjusters, public adjusters, emergency adjusters, and designated home state adjusters.
Indiana charges retaliatory fees for certain non-resident insurance licenses.
How Does Indiana Compare to Other States?
Indiana is one of many states with a biennial renewal cycle with licenses expiring on the last day of the licensee’s birth month. The state does not require fingerprinting, but there is a 20 hour per line of authority (LOA) pre-licensing education requirement, and applicants must pass the appropriate licensing exam(s).
Our Insurance Licensing Across All 50 States infographic puts the full picture on one page: renewal cycles, expiration trigger dates, CE hours, fingerprinting requirements, and application fees for every state.
What are the Indiana Insurance License Types and Lines of Authority?
The following table lists the common license types and lines of authority for Indiana.
| Application Type | License Type | Lines of Authority |
| Individual | Producer | Life, Accident & Health, Property, Casualty, Personal Lines, Variable Life & Annuity, Credit, Crop and Hail, Funeral Director, Title |
| Individual | Adjuster | Independent Adjuster, Public Adjuster, Emergency Adjuster, Designated Home State (DHS) Adjuster |
| Business Entity | Agency or Firm | Producer (Agency), Independent Adjusting Firm, Public Adjusting Firm |
What are Indiana’s Insurance Licensing Fees?
Non-refundable licensing fees apply throughout the licensing process for licenses, exams, and other services as follows.
| Fee Category | Fee | Applies To | Notes |
| Resident License Fee | $40.00 | Resident individual and business entity initial licenses and renewals | Fee applies to producers and independent adjusters. NIPR transaction fees may also apply. |
| Public Adjuster Fee | $50.00 | Public adjuster licenses | Requires $10,000 surety bond. Non-resident license renews annually on December 31. NIPR transaction fees may also apply. |
| Non-resident License Fee | $90.00
|
Non-resident individual and business entity initial licenses and renewals | Retaliatory fees may apply to non-resident licenses. NIPR transaction fees may also apply. |
| Resident Late Fee | $120.00 | Late resident license renewals | Late fee applies in addition to the standard renewal fee. NIPR transaction fees may also apply. |
| Non-resident Late Fee | $360.00 | Late non-resident license renewals | Late fee applies in addition to the standard renewal fee. NIPR transaction fees may also apply. |
| State exam | $69.00 | License classes that require an exam | Eligible veterans may receive reimbursement for test fees from the VA. |
Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the Indiana Department of Insurance website directly.
This table summarizes common Indiana insurance licensing fee categories. Some license classes, appointments, business entity filings, title-related filings, and non-resident transactions may have different or additional costs. Review the relevant Indiana agent, agency, adjuster, or license-class page before filing.
Indiana Pre-Licensing and Continuing Education Requirements
The pre-licensing education, exam, and CE requirements depend on the type of license and lines of authority. Single lines usually require 20 hours of pre-licensing education, while combined lines require 40 hours. Candidates can schedule pre-licensing education and initial licensing exams through an approved course vendor or Pearson VUE.
Individual Indiana CE requirements are available by license type and line of authority on the Indiana Department of Insurance website. Most licenses require 24 hours of CE, including 3 hours of ethics, every two years.
Common Indiana Licensing Compliance Mistakes
Indiana’s licensing process creates several compliance risks for individual insurance licensees and organizations managing multiple producers.
Assuming a pre-licensing waiver means no testing requirement.
Applicants with pre-licensing education waivers still need to complete the Indiana state laws & regulations exam.
Not passing the exam before the pre-licensing certificate expires.
Pass the exam before the pre-licensing certificate/waiver expires. Pre-licensing certificates and exam waivers are generally valid for 6 months.
Misunderstanding the license renewal year.
Indiana insurance producer licenses expire every 2 years from the year of issuance on the last day of the licensee’s birth month.
Waiting too long to complete CE.
Delays in course provider CE reporting could push the license into a late renewal period.
Assuming excess CE credits carry over.
Indiana does not allow carryover CE credits.
Overlooking non-resident retaliatory fees.
Indiana charges retaliatory fees to non-resident license holders whose states charge retaliatory fees.
Indiana Insurance Licensing FAQs
Who issues Indiana insurance licenses?
The Indiana Department of Insurance regulates the issuance of insurance licenses for producers, adjusters, and business entities.
How often must an insurance producer's license in Indiana be renewed?
Indiana insurance producer licenses renew every two years from the date of issuance by the last day of the licensee’s birth month.
How often do I need to renew my public adjuster license in Indiana?
Indiana public adjuster licenses renew annually by December 31.
What is the passing percentage needed for Indiana insurance licensing exams?
The current passing percentage for Indiana insurance licenses is 70%.
What happens if I don’t renew my insurance license by the expiration date?
If a licensee fails to renew before the expiration date, Indiana allows a 30-day grace period. Reinstatement is possible after 30 days and for up to one year after paying a $160 fee. After one year, the licensee must apply as a new applicant and retake the exams.
How do I transfer my insurance license to Indiana?
New Indiana residents may immediately apply for resident licenses via NIPR for the same lines of authority, without having to cancel the previous home state license first.
How can I track my Indiana producer CE credits?
Use the VerifyMyCE page to track your CE credits.
Where can I check my Indiana insurance license application status?
You can check your application status on the NIPR website.
Sources
- Indiana Initial Resident Insurance Licensing Steps
- Indiana Pre-Licensing Education Providers
- Indiana’s Resident Licensing Guidelines/Requirements
- Pearson VUE Indiana Insurance Licensing Exam Information
- Pearson VUE Indiana Insurance License Exam Candidate Handbook
- NIPR Resident Insurance License Renewal Requirements
- Indiana Department of Insurance FAQ
- Indiana Retaliatory Fee Guide for Non-Resident Licensing
- NIPR Individual Resident Insurance Licensing Requirements
- Indiana Code for Insurance Producers License Renewal
- NIPR Individual Non-Resident Insurance Licensing Renewal Requirements
- NIPR Individual Non-Resident Insurance Licensing Requirements
- How to Transfer a License from One State to Another
- Business Entity Insurance Licensing in Indiana
- NIPR Resident Business Entity Insurance Licensing Requirements
This content is intended for general informational purposes only. Regulatory compliance may differ across states, and users are responsible for understanding and adhering to the rules relevant to their insurance practices.
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Indiana organizations managing multiple producers also need to track license status, appointments, CE deadlines, agency requirements, fees, and documentation.
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