Licensing Guide

last updated 18 Sep 2026

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New Jersey Insurance Licensing Guide

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Alexandra Gallup

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Laura Crowell

Table of Contents

New Jersey Insurance Licensing Requirements Where Do You Get an Insurance License in New Jersey? Did You Know? What are the New Jersey Insurance License Types and Lines of Authority? What are New Jersey’s Insurance Licensing Fees? New Jersey Pre-Licensing and Continuing Education Requirements Common New Jersey Licensing Compliance Mistakes  FAQs Sources

New Jersey Insurance Licensing Requirements

Standard Requirements

All applicants for a New Jersey insurance license must meet New Jersey’s eligibility standards. Some eligibility requirements are standard across all states. The full list is available in our U.S. Licensing Guide.

Alabama 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 New Jersey?

In New Jersey, insurance licenses are regulated by the New Jersey Department of Banking & Insurance.

Licensing portal

NIPR

Appointment portal

NIPR

Licensing email

inslic@dobi.nj.gov

Address

P.O. Box 327, Trenton, NJ 08625-0327

Phone

609-292-7272

Did You Know?

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New Jersey requires 20 hours of pre-licensing education per line of authority.

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New Jersey requires pre-licensing education, fingerprinting, and a passing score on the state exam.

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PSI is the vendor for New Jersey insurance license exams.

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Individual licenses renew by the last day of the birth month, and business entity licenses renew by May 31.st

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Paper license renewals pay an additional $20 processing fee.

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New Jersey licenses public adjusters, but does not license independent, company, or staff adjusters.

How Does New Jersey Compare to Other States?

New Jersey is one of many states with a biennial renewal cycle with licenses expiring on last day of the licensee’s birth month. The state requires pre-licensing education, fingerprinting, and a passing grade on 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 New Jersey Insurance License Types and Lines of Authority?

Application Type License Class Lines of Authority
Individual Insurance Producer Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Surplus Lines, Title, Bail Bond, Variable Life and Variable Annuity, Limited Lines
Individual Insurance Adjuster Public Adjuster
Business Entity Insurance Producer, Insurance Adjuster Lines of authority are based on the designated responsible licensed producer (DRLP).

What are New Jersey’s Insurance Licensing Fees?

Non-refundable licensing fees apply throughout the licensing process for licenses, exams, fingerprinting, and other services as follows.

Fee Category Basic New Jersey Fee Applies To Notes
New Producer License Fee $170.00 Individual and business entity resident and non-resident initial major lines licenses Fees waived for disabled veterans.
Includes major lines combination: Life, Accident & Health or Sickness, Variable Life and Variable Annuity, Property, Casualty, Personal Lines, Surplus Lines, Title
New Producer License Fee (Limited Lines) $95.00 Individual and business entity resident and non-resident initial limited lines licenses Includes limited lines combination: Car Rental, Credit, Travel, Pet, Legal, Self-Storage Personal Property, Bail Bond, Group Mortgage Cancellation
New Public Adjuster License Fee $70.00 New public adjuster licenses
Public Adjuster License Renewal Fee $50.00 Biennial public adjuster license renewals
Producer License Renewal Fee $150.00 Individual and business entity resident and non-resident major lines renewals Business entities renew May 31st
Producer License Late Renewal Fee $100.00 + standard renewal fee Individual producers renewing licenses past the renewal deadline Major lines
$50.00 + standard renewal fee Limited lines
Fingerprinting Fee $66.05

 

 Initial resident licenses requiring fingerprints
Exam Fee $38.00 Licenses requiring an exam
New Appointment Processing/ Termination Fee $35.00 Initial appointments and terminations NIPR transaction fees may also apply.
Appointment Renewal Processing Fee $25.00 Electronic appointment renewals

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 New Jersey Department of Banking and Insurance directly.

This table summarizes common New Jersey insurance licensing fee categories. Some license classes, appointments, temporary appointments, business entity filings, title-related filings, and non-resident transactions may have different or additional costs. Review the relevant New Jersey producer, business entity, or adjuster page before filing.

New Jersey Pre-Licensing and Continuing Education Requirements

The pre-licensing and CE requirements depend on the type of license and lines of authority. Most single lines of authority require 20 hours of pre-licensing education. Candidates can schedule pre-licensing education with approved course providers. Schedule initial licensing exams through PSI.

New Jersey CE requirements are available on the New Jersey Department of Banking and Insurance website. CE requirements for producers typically include 24 hours every 2 years, including 3 hours of ethics before the renewal deadline. Public adjusters must complete 15 hours of CE. Choose a CE provider through PSI.

Common New Jersey Licensing Compliance Mistakes 

New Jersey’s licensing process creates several compliance risks for individual licensees and organizations managing multiple producers.

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Missing the renewal deadline and late renewal grace period.

New Jersey has a 30-day grace period to renew a producer license without paying a late fee. From 31 days to one year after the expiration date, a late renewal is possible after paying a late fee of $250 (standard $150 renewal fee + $100 late fee) for major lines.

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Forgetting to report contact information changes.

Changes to contact information, such as name, address, or email, must be made within 30 days to avoid penalties.

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Assuming ethics credits carry over the same as other CE credits.

Up to 12 excess CE credits may be carried over to the next compliance period, but ethics credits do not carry over.

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Waiting until the last minute to complete CE.

Licensees should take reporting lag and provider processing time into consideration when completing CE to avoid renewal delays.

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Missing the JIT appointment filing window.

Submit company appointments and fees within 15 days of the producer’s first written business or first contract and renew annually.

New Jersey Insurance Licensing FAQs

The New Jersey Department of Banking & Insurance regulates the issuance of insurance licenses for producers, adjusters, and business entities.

Getting a New Jersey insurance license generally includes the following steps:

  • Complete 20 hours of pre-licensing education per line of authority.
  • Pass the state exam(s) for the desired lines of authority through PSI.
  • Submit fingerprints via Live Scan.
  • Apply for a license via NIPR.

No. New Jersey pre-licensing education certificates for insurance licenses do not expire.

Individual insurance producer and public adjuster licenses renew on the last day of the licensee’s birth month in even or odd-numbered years according to birth year. Business entity licenses renew every two years by May 31.st

New Jersey insurance producers are typically required to complete 24 hours of CE every two years before the renewal deadline, including 3 hours of ethics. Specialty training may also be required for producers selling flood, long-term care, and annuity products. Public adjusters generally need 15 hours of CE every two years.

Check your current insurance license CE credits in New Jersey by calling PSI Services at 1-877-526-6833 or searching PSI exams. Alternatively, you can use the VerifyMyCE page to track your CE credits.

Searching for a New Jersey Department of Banking and Insurance (NJDOBI) licensee enables verification of the licensee’s credentials, reveals any history of disciplinary actions, and shows the current license status.

No. License holders can print licenses via SBS. Please wait 24 hours following the transaction approval to view and print licenses.

Yes. New Jersey insurance license exams are available online via remote proctored exams or in person at approved testing centers.

You can check your application status on the NIPR website.

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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