Oregon
Oregon insurance licensing: requirements, renewal, and agency rules
Oregon licenses producers, consultants, and adjusters through the Division of Financial Regulation (DFR), part of the Department of Consumer and Business Services.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours
- Application fee
- $75
- DOI phone
- 503-947-7981
Overview
Oregon licenses producers, consultants, and adjusters through the Division of Financial Regulation (DFR), part of the Department of Consumer and Business Services. Applications run through NIPR rather than a DFR-built portal, and once issued, licenses are self-printed through the NAIC's State Based System (SBS) — DFR stopped mailing paper licenses. Oregon's exam vendor is PSI, not Pearson VUE, and fingerprinting is typically captured at the PSI test center on exam day rather than through a separate appointment.
How to get licensed
Complete prelicensing education, if your line requires it
Oregon requires 20 hours of prelicensing education per line for Life, Health, Property, Casualty, and Personal Lines. Your completion certificate is valid for 1 year, so pass your exam and apply before it expires. The requirement is waived for adjusters, consultants, surplus lines candidates, CLU designees (life/health), and CPCU designees (property/casualty).
Register for and pass the licensing exam
Oregon uses PSI as its exam vendor, with test centers in Baker City, Bend, Eugene, Independence, Medford, and Portland, plus a remote-proctored option. Exam fees run $45 for a single line and $55 for combined lines like Life & Health or Property & Casualty.
Get fingerprinted
Fingerprints are captured electronically at the PSI test center on exam day for a $61.25 fee; you don't need a separate appointment. If you'd rather handle it outside your test date, use Fieldprint Oregon with code FPORDeptConsumerBusServDAS. This step is skipped if you already hold an active Oregon insurance license and are adding a line.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Oregon application for the state's $75 fee, pulled from NIPR at the moment of application. DFR doesn't accept paper applications for most license types.
Print your license
DFR no longer mails paper licenses. Once approved, self-print through the NAIC's State Based System — SBS allows one free copy, so save it before you close the page.
Prelicensing education
Life: 20 hours Health: 20 hours Property: 20 hours Casualty: 20 hours Personal Lines: 20 hours Waived for adjusters, consultants, and surplus lines candidates, and for CLU (life/health) or CPCU (property/casualty) designees who submit proof to DFR. Also waived for producers relocating from another state applying for the same lines of authority, if the Oregon application arrives within 90 days of canceling the prior state's license and establishing Oregon residency.
Exam
Vendor: PSI. Single-line exams are $45; combined-line exams like Life & Health or Property & Casualty are $55.
Fingerprinting
Required. Vendor: PSI (at the test center) or Fieldprint Oregon. Fee: $61.25. Fingerprints expire 6 months after capture. Not required if you already hold an active Oregon license and are adding a line.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident or non-resident individual producer Renew on time for $45; a $90 late fee applies after the deadline. | $75 | $45 |
| Business entity (agency), resident or non-resident Same fee structure as the individual license, including the $90 late-renewal fee. | $75 | $45 |
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: DFR – Fees and forms
Renewal & CE
Renewal window — Individual licenses expire in the licensee's birth month. Business entity licenses expire two years from the month the license was first issued, on the last day of that month.
Grace period: A late-renewal fee of $90 applies after the on-time deadline, but DFR does not publish a specific grace-period length. Renew before your birth month to avoid the late fee and any lapse.
CE providers have up to 15 days to report completed credits to your transcript, and DFR credits a maximum of 8 CE hours per day — plan to finish your hours before your birth month, not during it.
24 total CE hours per renewal term.
Adjusters must complete 24 hours per renewal including 3 hours of ethics, effective for renewals since January 1, 2020. DFR's published guidance doesn't break out an ethics-hour requirement for producers specifically.
For agencies and non-residents
Agencies, appointments & DRLP
Corporations, associations, partnerships, LLCs, LLPs, and other legal entities need a separate business-entity insurance license; sole proprietors are exempt, though carriers may require it contractually. The entity must first be registered with the Oregon Secretary of State's Corporation Division, for the same $75 application fee an individual pays. Every business-entity license must name a designated responsible producer under ORS 744.059(2)(b), and affiliation or termination of an individual producer's authority must be reported to DFR within 30 days.
When an individual producer's authority to act for a business-entity producer begins or ends, the entity must notify DFR within 30 days under ORS 744.068(5), filed on DFR's Affiliation of Producer form. Every business-entity license must also designate a licensed producer responsible for the entity's compliance under ORS 744.059(2)(b) — Oregon's equivalent of a designated responsible licensed producer. There's no fee for the affiliation filing.
Appointments — Deadlines: 30 days from the start or end of an individual's authority to act for the business entity, per ORS 744.068(5).
Managing DRLPs across states? See how InsureTrek handles it →
Steps outside NIPR
Oregon requires Secretary of State registration before it will issue a non-resident firm license, and the Division of Insurance has to be told directly once that registration is approved.
- Register with the Secretary of State. Register the entity through the Oregon SOS Business Registry and pay the fee online. A registered agent with a physical Oregon address is required.
- Email the approval to the Division of Insurance. Send the SOS approval documentation to web.insagent@oregon.gov. The license application will not be processed until the Division of Insurance has it.
| Secretary of State registration | $275 |
|---|---|
| Registered agentInsureTrek can provide one, or use your own provider. | $45 |
Non-residents
Non-residents who are already licensed in good standing in their home state are exempt from Oregon's prelicensing and exam requirements for the same lines. Apply through InsureTrek the same way residents do, for the same $75 state fee. One restriction to flag: non-resident producers can only act as an appointed representative of an insurer in Oregon, even if they're licensed as a broker in their home state — brokering isn't permitted for non-residents. Non-resident adjusters from states without a comparable adjuster license must pass the Oregon adjuster exam, a rule in place since January 1, 2020.
Apply for a non-resident Oregon license through InsureTrek, plus the state fee.
Official resources
- Oregon Division of Financial Regulation — licensing
- DOI phone: 503-947-7981
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 Oregon Division of Financial Regulation or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- DFR – Adjuster license type — accessed 2026-08-19
- DFR – Common agent questions — accessed 2026-08-19
- DFR – Fees and forms — accessed 2026-08-19
- DFR – Insurance agencies — accessed 2026-08-19
- DFR – Producer licensing — accessed 2026-08-19
- DFR – Renew your license — accessed 2026-08-19
- InsureTrek licensing team — Oregon agency filing steps — accessed 2026-08-22
- PSI – Oregon Candidate Information Bulletin — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Oregon?
DFR's application fee is $75, filed online through NIPR, plus NIPR's own transaction fee. Add a $45 exam fee for a single line (or $55 for combined lines like Life & Health) and $61.25 for fingerprinting, so budget roughly $180 to $190 in state and vendor fees before prelicensing course costs.
Do I need a prelicensing course before I can sit for the Oregon exam?
Yes, for Life, Health, Property, Casualty, and Personal Lines: 20 hours per line, with your completion certificate valid for 1 year. It's waived for adjusters, consultants, surplus lines candidates, and CLU or CPCU designees.
Where do I take the Oregon insurance licensing exam?
Oregon uses PSI, not Pearson VUE. Test centers are in Baker City, Bend, Eugene, Independence, Medford, and Portland, and a remote-proctored option is available. Register at test-takers.psiexams.com/orins.
How do I look up or verify an Oregon insurance license?
DFR routes license lookups through the NAIC's State Based System at external-lookup-web.prod.naic.org, linked from dfr.oregon.gov's license-check page.
Can I get an Oregon non-resident license without retaking the exam?
Yes, if you're already licensed in good standing in your home state for the same lines. You still apply through InsureTrek and pay the $75 state fee, but one restriction applies: non-resident producers can only act as an appointed representative of an insurer in Oregon, not as a broker, even if you're licensed to broker at home.
How much continuing education do I need, and when do I renew?
Oregon licenses run on a 2-year cycle. Individual licenses expire in your birth month; you'll need 24 CE hours per renewal period. Finish your hours the month before your birth month, since CE providers can take up to 15 days to report credits and DFR caps credit at 8 hours per day.
What happens if I miss my Oregon renewal deadline?
A late-renewal fee of $90 applies in place of the standard $45 on-time fee. DFR doesn't publish an exact grace-period length, so don't wait until your birth month to check your CE status.
Is my license mailed to me once I'm approved?
No. Oregon stopped mailing paper licenses; you self-print through the NAIC's State Based System at statebasedsystems.com. Save a copy when you print it, since the system only allows one free copy.
See how InsureTrek handles Oregon licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.