How to become an insurance agent in New Jersey
New Jersey insurance agents are licensed by the New Jersey Department of Banking and Insurance (DOBI). Here is what it takes to work as a licensed insurance agent in New Jersey, from official sources checked November 4, 2026.
Who can become an insurance agent in New Jersey?
- Complete required pre-licensing education or get a waiver
- Pass the New Jersey producer exam
- Live Scan fingerprinting and a criminal history review
New Jersey insurance agent license requirements
| State license | Yes. The state insurance regulator issues resident insurance producer licenses. |
|---|---|
| Licensed by | New Jersey Department of Banking and Insurance (DOBI) |
| License name | Resident Insurance Producer (major lines: Life, Health, Property, Casualty, Personal Lines) |
| Education or training | Required: 20 hours each for Life, Health, Property, Casualty and Personal Lines; 40 hours for combined Life and Health; 40 hours for combined Property and Casualty. Courses must come from DOBI-approved providers. Certain professional designations qualify for a waiver. |
| Exam | PSI administers the producer exams; the DOBI FAQ lists a $47 fee per exam. |
| License term | Two years (biennial). |
| Continuing education | 24 credits per renewal period, including at least 3 credit hours of approved ethics. |
How much does it cost?
| Major line license (2-year) | $150 |
|---|---|
| Application fee (new application) | $20 |
| Additional processing fee for paper applications and renewals | $20 |
| Major line renewal | $150 |
| Late renewal fee, major line | $100 |
| Exam fee (PSI) | $47 |
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 New Jersey
- Complete the required pre-licensing course, or get a waiver from DOBI's Insurance Education Unit
- Pass the New Jersey producer exam with PSI
- Schedule Live Scan electronic fingerprinting and complete it before you apply
- Apply for the resident producer license online through NIPR
- Print your license through SBS once it is approved
Apply on the official New Jersey site
How do you check an insurance agent's license in New Jersey?
- Search the name or license number on the official New Jersey 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.