Colorado Overview
A Colorado insurance license costs $85 in state fees for one major line: a $41 exam and $44 license. Renewal is $27 a line, and non-residents pay $68 a line. Each added line is another $44, and one $41 exam fee covers two tests in the same session, so Life and Accident & Health together come to $129. Colorado doesn't fingerprint producer applicants, and prelicensing course prices are set by the provider.
The Division of Insurance (DOI) hands both the exam and license administration to Pearson VUE, and most complete applications are processed in under five business days. Non-residents skip the Colorado exam and prelicensing. Licenses renew every two years by the last day of your birth month, and Colorado has no grace period.
How to get a Colorado insurance license
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Complete prelicensing education if your line requires it
Colorado requires prelicensing training before the exam for Accident & Health, Casualty, Life, and Property. Personal Lines applicants who already hold an active Property & Casualty authority are exempt, as are applicants with certain professional designations or a resident license held in another state within the last 90 days. Use an approved provider from the Division's list. Training is valid for one year — pass your exam within that window or you'll need to retrain.
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Register for and pass the licensing exam
Colorado uses Pearson VUE for both exam scheduling and license administration. The exam fee is $41 and covers up to two exams in the same session, so Life and Accident & Health cost one fee if you sit them together. Walk-ins aren't available, so reserve online at least a day ahead. Passing scores are valid for one year, and you must submit your license application within that year.
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Apply for your license
Apply through InsureTrek for the state's $44 per-authority fee. Colorado doesn't fingerprint producer applicants. You disclose any criminal conviction or bankruptcy on the application.
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Wait for approval and print your license
Most complete applications process in under five business days. Colorado licenses aren't mailed — you print your own once the Division approves it. If your application is flagged incomplete, you have 20 days to submit what's missing before it closes and the fee is forfeited.
Prelicensing education
Prelicensing is required for Accident & Health, Casualty, Life, and Property. Personal Lines applicants who already hold a Property & Casualty authority are exempt. Applicants who held a resident license in another state within the last 90 days, or who hold certain professional designations (AAI, ARM, CIC, or CPCU for Property & Casualty; RHU, CEBS, REBC, or HIA for Accident & Health; CEBS, ChFC, CIC, CFP, CLU, FLMI, or LUTCF for Life), are also exempt.
Exam
Vendor: Pearson VUE. Exam fee: $41. One $41 fee covers up to two exams taken in the same session.
Fingerprinting
Not required. Colorado's producer application doesn't include a fingerprint-based background check. You disclose criminal history and bankruptcy on the application, and the Division reviews it case by case.
Colorado insurance license fees
| Fee | Initial | Renewal |
|---|---|---|
| Licensing exam (Pearson VUE), up to two exams in one session Paid when you reserve the exam. Non-refundable. | $41 | — |
| Resident producer license, per line of authority Charged for each line of authority, at application and again at each two-year renewal. | $44 | $27 |
| Fingerprinting Not required. Colorado doesn't fingerprint producer applicants. | — | — |
| Typical resident total: Life and Accident & Health One $41 exam fee for both tests in one session, plus $44 for each of the two lines. Renewal is $27 for each line. | $129 | $54 |
| Resident producer license, Surplus Lines line of authority | $141 | $134 |
| Non-resident producer license, per line of authority | $68 | $40 |
| Non-resident producer license, Surplus Lines line of authority | $291 | $281 |
| Resident agency (business entity) license, per line of authority | $44 | $27 |
| Resident agency license, Surplus Lines line of authority | $141 | $134 |
| Non-resident agency license, per line of authority | $68 | $40 |
| Non-resident agency license, Surplus Lines line of authority | $291 | $281 |
Fees as of 2026-10-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: Pearson VUE / Colorado DOI — Colorado Insurance Licensing Candidate Handbook (July 2026; forms and fees effective April 1, 2026) , NIPR — Colorado Resident Licensing, Individual , NIPR — Colorado Non-Resident Licensing, Individual , NIPR — Colorado Resident Renewal, Individual , NIPR — Colorado Non-Resident Renewal, Individual , NIPR — Colorado Resident Licensing, Business , NIPR — Colorado Non-Resident Licensing, Business
Colorado insurance license renewal
Renewal window — Colorado licenses renew every two years by the last day of your birth month. Pearson VUE emails a continuation notice 90 days before the expiration date, and you can renew from then until the expiration date. The first cycle after initial licensure runs 13 to 24 months depending on your birth month; every cycle after that is a full two years.
Grace period: None. The renewal fee and any CE must reach Pearson VUE by 10 p.m. Mountain Time on the expiration date, or the license expires. Within one year, you can reinstate the lines you held without prelicensing or the exam. File a new application, pay the initial license fee again, and show the previous cycle's CE. After a year, you start over with prelicensing and the exam.
Renewal costs $27 per line of authority for residents and $40 for non-residents, with Surplus Lines at $134 and $281. If you pay on time but haven't finished CE, Colorado can't continue the license. You complete the hours and file a reinstatement application. Up to 12 CE hours completed beyond the required 24 can carry over to the next cycle, but only if they were completed in the final 120 days of the current cycle.
24 total CE hours per renewal term , including 3 ethics hours .
First-time licensees are exempt from CE during their first continuation cycle. Producers whose only authority is a limited or restricted line — travel, ticket, title, or credit — don't need CE as long as the license stays in good standing. Nonresidents who've met their home state's CE requirement are considered compliant in Colorado.
| Line | Hours | Notes |
|---|---|---|
| Licensed line (Life/Accident & Health or Property/Casualty) | 18 | At least 18 of the 24 hours must be in a line you hold. The rest is 3 hours of ethics and 3 of your choice. |
| Homeowners (Property or Personal Lines holders) | 3 | Counts toward the 24-hour total. |
Non-resident insurance license in Colorado
A Colorado non-resident license costs $68 per line of authority ($291 for Surplus Lines) and renews every two years for $40 per line ($281 for Surplus Lines). Colorado doesn't require its exam or prelicensing course from non-residents.
To qualify, hold an active resident license in your home state for the equivalent lines. Attorney Title, Health Maintenance, Nonprofits, and Surplus Lines are the exceptions. Your name, address, birth date, and license details must match your home-state record in the national Producer Database. Surplus Lines requires an active Property and Casualty authority, or both applied for together.
Pearson VUE processes most complete applications for the Division in under five business days. Colorado accepts your home state's CE in place of its own, as long as your home state gives Colorado producers the same treatment.
Apply for a non-resident Colorado license through InsureTrek , plus the state fee.
For the steps and fees in every state, see the non-resident insurance license guide .
For agencies
Agencies, appointments & DRLP
Colorado requires an agency license for any corporation, partnership, or association that transacts insurance business; sole proprietors can skip it and instead register a trade name (DBA) on their individual license for no fee. Every agency must designate a responsible producer — an officer, partner, or director holding a Colorado producer license — and list all its licensed and unlicensed officers, partners, and directors on the application. Agency licenses run on the same two-year cycle as individual licenses and start at $44 per authority for residents, $68 for non-resident agencies.
Colorado doesn't require insurers to file individual producer appointments with the Division the way most states do — carriers are responsible for keeping their own appointment records. The exception is bail bonds: the Division tracks bail bond company appointments and terminations directly.
Appointments — Deadlines: Bail bond appointments and renewals carry a $95 fee under Colorado Insurance Regulation 1-2-16.
Managing DRLPs across states? See how InsureTrek handles it →
Official resources
- Colorado Division of Insurance — licensing
- DOI phone: 303-894-7499
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-10-21. Requirements change — verify current rules with the Colorado Division of Insurance or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- Colorado DOI — For Producers / Agents — accessed 2026-08-19
- NIPR — Colorado Non-Resident Licensing, Individual — accessed 2026-10-21
- NIPR — Colorado Non-Resident Renewal, Individual — accessed 2026-10-21
- NIPR — Colorado Resident Licensing, Individual — accessed 2026-10-21
- NIPR — Colorado Resident Renewal, Individual — accessed 2026-10-21
- Pearson VUE — Colorado Insurance Licensure Examinations — accessed 2026-10-21
- Pearson VUE / Colorado DOI — Colorado Insurance Licensing Candidate Handbook (July 2026; forms and fees effective April 1, 2026) — accessed 2026-10-21