How to become an insurance agent in Kentucky
Kentucky insurance agents are licensed by the Kentucky Department of Insurance. Here is what it takes to work as a licensed insurance agent in Kentucky, from official sources checked November 4, 2026.
Part of the state's website could not be reached when we checked, so some details come from Kentucky law and official forms. Confirm them on the official page before you apply.
Who can become an insurance agent in Kentucky?
- Kentucky resident
- Complete a 20-hour pre-licensing course for the requested lines
- Criminal background check from the Administrative Office of the Courts (AOC)
- Pass the Department's exam
Kentucky insurance agent license requirements
| State license | Yes. Kentucky requires a resident agent (producer) license from the Department of Insurance; the Department runs its own licensing exams. |
|---|---|
| Licensed by | Kentucky Department of Insurance |
| License name | Resident Agent (Producer) license with lines of authority such as Life, Health, Property, Casualty, Personal Lines |
| Education or training | 20-hour pre-licensing classroom or self-study course for the requested lines of authority. |
| Exam | Administered by the Kentucky Department of Insurance at its own test sites; you schedule through a DOI eServices account after the Department processes your application. |
| License term | Renews with the 24-hour CE biennium ending the last day of your birth month in odd or even years; renewal fee is $0 with one or more active appointments. |
| Continuing education | 24 hours each 2-year biennium, including at least 3 hours of ethics; up to 12 hours carry over. |
How much does it cost?
| Resident individual agent license, per license/class | $40.00 |
|---|---|
| Each additional line of authority | $40.00 |
| Examination fee (per exam, retake or no-show) | $50.00 |
Fees as listed by the state. Schools, courses, exam prep, insurance and equipment cost extra and vary by provider.
Steps to become an insurance agent in Kentucky
- Complete the 20-hour pre-licensing course from a Kentucky-approved provider
- Request an AOC criminal background check online
- Apply through NIPR (or paper application)
- Schedule your exam through DOI eServices after the application is processed
- Pass the computerized exam at a DOI test site
- Print your license from eServices and renew with 24 CE hours each biennium
Apply on the official Kentucky site
How do you check an insurance agent's license in Kentucky?
- Search the name or license number on the official Kentucky insurance agent license lookup.
- Check that the status is active and the name matches the person or company you're hiring.
- Ask how long they've been licensed and whether any complaints or discipline are on record.