last updated 18 Sep 2026
Texas Insurance Licensing Guide
Alexandra Gallup
Laura Crowell
Table of Contents
Texas Insurance Licensing Requirements
Standard Requirements
All applicants for a Texas insurance license must meet Texas’s eligibility standards. Some eligibility requirements are standard across all states. The full list is available in our U.S. Licensing Guide.
Texas 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 Texas?
In Texas, insurance licenses are regulated by the Texas Department of Insurance.
Regulator
Licensing portal
Appointment portal
Licensing email
Address
P. O. Box 12069, Austin, TX 78711-2069
Phone
512-676-6500
Did You Know?
Texas insurance agencies and adjusting firms must register with the Texas Secretary of State.
Initial applicants must go to the Texas fingerprint portal to receive a fingerprint service code and instructions.
Temporary (180-day) one-time general lines insurance licenses cannot be renewed.
Texas offers designated home state licenses for individual adjusters.
How Does Texas Compare to Other States?
Texas 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 requires fingerprinting and applicants must pass the appropriate licensing exam(s), but there is no pre-licensing education requirement.
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 Texas Insurance License Types and Classes?
| Texas License Type | Texas Lines of Authority |
| Agent | Life, Accident, Health and HMO / Property and Casualty/ Limited lines/ Surplus lines/ Title/ Personal lines P&C/ Managing General Agent/ Risk Manager/ Funeral Pre-arrangement Life/ County Mutual/ Escrow Officer/ Specialty/ Other |
| Agency | General Lines/ Personal Lines Property & Casualty/ Life/ Surplus lines/ Managing General Agency/ Limited Lines Agency |
| Adjusting Firm | All lines/ P&C/ Workers’ Compensation |
| Adjuster | All lines/ Designated Home State/ Emergency/ Property and Casualty/ Public Insurance/ Trainee/ Workers’ Compensation |
What are Texas’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 Texas Fee | Applies To | Notes |
| License application | $50.00 | Residents and non-residents/ initial licenses and renewals | Members of the US Armed Forces and their families may qualify for exceptions to state licensing application fees |
| Late Renewal Fee | $25.00 | Renewal fees not paid on time | Up to 90 days late |
| Late CE Fee | $50.00 | Each missing CE hour | |
| Amendment Fee | $50.00 | Additional lines of authority | |
| Reinstatement Fee | $75.00 | Licenses that have passed the renewal deadline | For 90 days up to one year after the license expires |
| State exam | $33.00 (single line) $43.00 (combined) | License classes that require an exam | Veterans who pass the Texas insurance exams can apply to the U.S. Department of Veterans Affairs to receive reimbursement. |
| Fingerprinting | $41.50 | Applicants or business-affiliated individuals who must submit fingerprints | An exemption from a fingerprint background check for those who have already submitted fingerprints and are actively registered. Check the Texas Administrative Code for further details. |
| Standard appointment | $10.00 Per LOA | Resident and non-resident appointments | NIPR transaction fees may also apply |
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 Texas Department of Insurance website directly.
This table summarizes common Texas 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 Texas agent, agency, or adjuster page before filing.
Texas Continuing Education Requirements
The exam and CE requirements depend on the type of license and lines of authority. Candidates can schedule initial licensing exams through Pearson VUE.
Individual Texas CE requirements are available on the Texas Department of Insurance website.
CE requirements typically include: 24 hours of CE, 12 or more of which are “classroom” or “classroom equivalent” course hours, and 3 hours of ethics, every two years.
Common Texas Licensing Compliance Mistakes
Texas’s licensing process creates several compliance risks for individual insurance licensees and organizations managing multiple producers.
Missing CE requirements or classroom hours.
Texas requires a total of 24 hours of CE, with least 3 hours of Ethics. At least half of the total CE hours must be in a classroom or taken in a classroom equivalent setting.
Applying before passing the exams.
Candidates should submit license applications after passing the state exam.
Overlooking special fingerprinting instructions.
First-time applicants must go to the Texas fingerprint portal to register for a service code and instructions to complete the process.
Forgetting to include the fingerprinting receipt.
Texas applicants must include a receipt from the fingerprinting vendor with their application.
Forgetting to cancel a license.
An uncanceled Texas insurance license remains active in TDI's system and carries a continuing education (CE) obligation, regardless of whether the producer is currently writing policies. Failing to complete the required 24 hours of CE every two years results in fines. By formally surrendering an unused license, the CE obligation and risk can be eliminated.
Texas Insurance Licensing FAQs
Who issues Texas insurance licenses?
The Texas Department of Insurance regulates the issuance of insurance licenses for agents, adjusters, and business entities.
How do you get a Texas insurance license?
In general, to get a Texas insurance license:
- Choose the correct Texas license.
- Review the Texas Department of Insurance qualification page for that license.
- Complete any required exam, fingerprinting, or background review.
- Producers can apply through NIPR. Adjusters have to apply directly with the state.
- Monitor NIPR for application status, department messages, deficiencies, license information, appointments, and CE status.
How much does it cost to become a licensed insurance agent in Texas?
Texas charges a $50 application fee, $41.50 fingerprinting fee, state exam fee of $33 to $43, and $10 carrier appointment fee to become a licensed insurance agent.
Does Texas require appointments for insurance licenses?
Yes. Texas law requires carriers to file appointments before an agent begins business transactions.
Does Texas have reciprocity for non-resident insurance licenses?
Yes. Texas has reciprocity arrangements for non-resident license holders.
What are the different insurance licenses in Texas?
Texas offers insurance licenses for agents, adjusters, and business entities such as agencies and adjusting firms in lines of authority such as Life, Health, Property & Casualty, Specialty, and Temporary lines.
They are one of the few states that will offer Designated Home State (DHS) licenses for adjusters.
What if I miss the Texas CE renewal deadline?
Licensee who miss the Texas renewal deadline can still renew up to 90 days after the license expiration date after paying the late renewal and/or late CE fees.
How can I track my Texas producer CE credits?
Use the VerifyMyCE page to track your CE credits.
Where can I check my Texas insurance license application status?
You can check your application status on the NIPR website.
Sources
- Texas General Lines Exam for Insurance Agents
- Pearson VUE Texas Insurance License Exams
- NIPR Texas Individual Resident Licensing
- Continuing Education Information for Agents and Adjusters in Texas
- Texas Individual Insurance License Renewals
- Texas Insurance License Reinstatement Process
- Texas General lines – life, accident, health and HMO Agent Renewal
- How to Apply for an Insurance Agency or Adjusting Firm License in Texas
- Texas Insurance License Types
- Pearson VUE Insurance License Candidate Handbook
- Tips for Successful Texas Insurance License Application Processing
- Texas Appointments for Insurance Licenses
- Texas Insurance Licensing Reciprocity Rules
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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