Georgia
Georgia insurance licensing: requirements, renewal, and agency rules
Georgia's Office of Commissioner of Insurance and Safety Fire (OCI) routes agent and agency licensing through an outside vendor rather than a state-run application portal, with Pearson VUE handling both the exam and back-office licensing support.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $120
- DOI phone
- 800-274-8969
Overview
Georgia's Office of Commissioner of Insurance and Safety Fire (OCI) routes agent and agency licensing through an outside vendor rather than a state-run application portal, with Pearson VUE handling both the exam and back-office licensing support. Prelicensing hours are short and line-specific — 8 hours for Personal Lines, 16 for Property and Casualty, none for Travel or Title — and a 2025 law (HB 410) is moving agency renewal dates off a uniform December 31 schedule and onto each agency's original approval month starting with the 2026-2027 cycle. Georgia also grants a 4-hour CE reduction to producers with 20+ years of continuous licensure.
How to get licensed
Confirm your prelicensing hours
Georgia's prelicensing course length depends on the line: 16 hours for Property and Casualty (or two 8-hour P&C courses), 8 hours for Personal Lines, 8 hours for Variable Products (you need an existing Life license first), and 5 hours of self-study for Credit. Travel and Title agents skip prelicensing and the exam entirely.
Register for and pass the exam
Pearson VUE administers Georgia's insurance licensing exams. Review the Georgia Insurance Licensing Candidate Handbook and register at pearsonvue.com before scheduling; test length runs 1–2 hours depending on the license type.
Complete fingerprinting
Submit fingerprints electronically through the GBI's approved vendor using OCI's service code 2TGJ6B, after your license application is filed. This triggers your state and federal criminal history background check.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Georgia application for the state's fee, pulled from NIPR at the moment of application. A notarized Citizenship Affidavit and a copy of a secure ID are required with every application.
Wait for approval
OCI's average turnaround for a complete electronic application is 14 business days. You'll get an email once your license is issued — Georgia doesn't mail a paper license.
Prelicensing education
Property and Casualty: 16 hours Personal Lines: 8 hours Variable Products: 8 hours — Requires an existing Life license. Credit: 5 hours — Self-study. Travel: 0 hours Title: 0 hours Travel and Title agents need neither a prelicensing course nor an exam. Life and Accident & Sickness prelicensing can be taken as a combined course.
Exam
Vendor: Pearson VUE. Exam length runs 1–2 hours depending on license type. Bring two forms of valid ID to the test center.
Fingerprinting
Required. Vendor: GBI-approved vendor (service code 2TGJ6B). Filed electronically after your license application is submitted.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident agent license Renews at $200 if you also hold the Variable Products line. | $120 | $100 |
| Resident adjuster, counselor, or limited subagent license | — | $100 |
| Resident surplus lines broker license | — | $600 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: OCI — Get a Resident Insurance Agent License, NIPR — Georgia Resident Renewal, Individual
Renewal & CE
Renewal window — CE and renewal are due on or before the last day of the licensee's birth month, on a two-year cycle. Online renewal opens 60 days before your expiration date.
Grace period: A license inactivated for non-renewal or CE non-compliance can be reinstated within 12 months by paying the reinstatement and late fees, completing any outstanding CE, and being re-fingerprinted if the license has been inactive more than 6 months.
Non-active licensees who file their biennial renewal on time are exempt from CE. Reductions for teaching, legislative work, journalism, or insurance-related research require filing form GID-101E-AL.
24 total CE hours per renewal term, including 3 ethics hours.
Producers newly selling annuities must complete the one-time 4-hour Annuity Best Interest course (Rule 120-2-94), effective for business written on or after August 1, 2023. Excess CE hours carry forward to the next filing period, capped at 50% of the biennial requirement; ethics hours beyond the 3-hour minimum carry forward too but can't be reused to satisfy a future period's ethics requirement.
| Line | Hours | Notes |
|---|---|---|
| Resident licensee with 20+ years of continuous licensure | 20 | A 4-hour reduction from the standard 24-hour total; still 3 hours of ethics. |
| Credit Insurance Only | 10 | Self-study, no ethics requirement. |
| Limited Subagent Only | 10 | No ethics requirement. |
| Workers' Compensation Adjuster Only | 20 | Must be approved CE through the Georgia State Board of Workers' Compensation, not OCI; no ethics requirement. |
| Designation holders (CPCU, CLU, CFP, and similar) | 12 | Still includes 3 hours of ethics. |
For agencies and non-residents
Agencies, appointments & DRLP
Every Georgia agency location must have at least one licensed agent whose primary place of business is that location, referred to as a Responsible Agent. Agency names containing restricted words like "Insurance," "Health," "Annuity," or "Life" need a separate name-approval step before licensing, typically decided within one business day. Agency licenses renew every two years; under HB 410 (signed May 14, 2025), renewal dates are shifting from a uniform December 31 schedule to each agency's original approval month, starting with the 2026-2027 cycle.
Georgia permits just-in-time appointments — carriers file the appointment electronically rather than in advance of a producer's first sale. The appointment fee rose to $25 per appointment effective January 1, 2026 (it was $20 for appointments processed in 2025).
Appointments — Deadlines: Appointment termination becomes effective on the date the carrier supplies on the termination transaction; carriers must specify that date when filing.
Managing DRLPs across states? See how InsureTrek handles it →
Steps outside NIPR
Georgia approves the agency name before it will process a license application, and the approval takes several business days, so it is the first thing to start.
- Get the agency name approved. Submit the agency name for approval through the Georgia Office of Commissioner of Insurance. Approval takes several business days.
- Attach the approval to the license application. Upload the name approval to the Georgia state license application once it comes back.
| Name approval | $57 |
|---|
Non-residents
Georgia accepts non-resident applications through InsureTrek. Applicants with an active home-state license may qualify for an exam waiver if they apply within 90 days of relocating and submit a letter of clearance from their prior state; every applicant, resident or not, still submits a notarized Citizenship Affidavit and a secure ID document.
Apply for a non-resident Georgia license through InsureTrek, plus the state fee.
Official resources
- Georgia Office of Commissioner of Insurance and Safety Fire — licensing
- DOI phone: 800-274-8969
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-22. Requirements change — verify current rules with the Georgia Office of Commissioner of Insurance and Safety Fire or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- InsureTrek licensing team — Georgia agency filing steps — accessed 2026-08-22
- NIPR — Georgia Non-Resident Licensing / Individual — accessed 2026-08-19
- NIPR — Georgia Resident Renewal, Individual — accessed 2026-08-21
- OCI — Agency Licensing & Renewals — accessed 2026-08-19
- OCI — Agent Licensing & Renewals — accessed 2026-08-19
- OCI — Agents & Agency Licensing — accessed 2026-08-19
- OCI — Contact Us — accessed 2026-08-19
- OCI — Continuing Education — accessed 2026-08-19
- OCI — Get a Resident Insurance Agent License — accessed 2026-08-19
- OCI — Licensed Adjusters, Public Adjusters, Counselors & Surplus Lines Brokers — accessed 2026-08-19
- OCI — Renew an Agent License — accessed 2026-08-19
- OCI — Request an Agency License — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Georgia?
OCI's resident agent application fee is $120 for most license types ($80 for a temporary license). That's on top of Pearson VUE exam fees and fingerprinting costs, neither of which OCI publishes directly, so confirm current pricing with each vendor before you budget.
Do I need a prelicensing course before I can sit for the Georgia exam?
It depends on the line. Property and Casualty requires 16 hours, Personal Lines 8 hours, Variable Products 8 hours (on top of an existing Life license), and Credit just 5 hours of self-study. Travel and Title agents need neither a course nor an exam.
Where do I take the Georgia insurance licensing exam?
Pearson VUE administers Georgia's exams. Register and review the Georgia Insurance Licensing Candidate Handbook at pearsonvue.com before scheduling.
How do I look up or verify a Georgia insurance license?
Use OCI's Agent (Individual), Agency, Company Search tool at oci.georgia.gov to verify an individual agent, agency, or company license.
How long does it take to get licensed in Georgia?
OCI's average turnaround for a complete electronic application is 14 business days. Your total timeline also depends on how quickly you schedule your Pearson VUE exam and complete fingerprinting.
Can I get a Georgia non-resident license without retaking the exam?
You may qualify for an exam waiver if you hold an active license in your home state, apply within 90 days of relocating to Georgia, and submit a letter of clearance. You still file a notarized Citizenship Affidavit and pay the state fee through InsureTrek.
How much continuing education do I need, and when do I renew?
Most Georgia licenses run on a 2-year cycle, with CE and renewal due by the last day of your birth month. Standard producers need 24 hours including 3 in ethics; producers with 20+ years of continuous licensure need only 20 hours, still with 3 in ethics. Credit and Limited Subagent licenses need 10 hours with no ethics requirement.
What happens if I sell annuities in Georgia?
Producers newly selling annuity products must complete a one-time 4-hour Annuity Best Interest course under Rule 120-2-94, required for business written on or after August 1, 2023.
See how InsureTrek handles Georgia licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.