Pennsylvania
Pennsylvania insurance licensing: requirements, renewal, and agency rules
Pennsylvania dropped its prelicensing education requirement under Act 142 of 2024, effective April 29, 2025 — candidates can now schedule the PSI exam without completing a course first, though the exam still tests the same statutes and conduct rules the course used to cover.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $55
- DOI phone
- 717-787-3840
Overview
Pennsylvania dropped its prelicensing education requirement under Act 142 of 2024, effective April 29, 2025 — candidates can now schedule the PSI exam without completing a course first, though the exam still tests the same statutes and conduct rules the course used to cover. The Pennsylvania Insurance Department (PID) doesn't run its own application portal; applications, renewals, and appointments all route electronically. Licenses expire biennially by the licensee's birth month rather than a fixed issue-date anniversary, and PID stopped mailing physical licenses — producers print their own from the state's website.
How to get licensed
Register for and pass the PSI exam
Pennsylvania removed its prelicensing education requirement under Act 142 of 2024, effective April 29, 2025 — you can schedule the exam directly, though a prep course still helps since the exam covers Pennsylvania-specific statutes. Register with PSI online or by calling 888-818-5822; both in-person and remote online proctored exams are available.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Pennsylvania application for the state's $55 resident fee, pulled from NIPR at the moment of application.
Complete fingerprinting
New resident applicants must be fingerprinted at an IdentoGO center using PID's service code 1KGBGJ. Don't schedule fingerprinting until after you've passed the exam and submitted your application — results filed without a matching application are rejected and you'll have to repay the fee and resubmit.
Print your license once approved
PID no longer mails paper licenses. Once your application is approved, print your license from pa.gov.
Prelicensing education
Not required. Prelicensing education was eliminated statewide under Act 142 of 2024, effective April 29, 2025. You still need to pass the PSI exam for your lines of authority.
Exam
Vendor: PSI.
Fingerprinting
Required. Vendor: IdentoGO. Applies to new resident producer applicants; existing licensees adding a line, non-residents, appraisers, surplus lines licensees, and viatical brokers are generally exempt. Use PID's service code 1KGBGJ when scheduling.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident individual producer Lapsed-license renewal costs $165. | $55 | $55 |
| Non-resident individual producer Lapsed-license renewal costs $165. | $110 | $110 |
| Business entity (agency), resident Lapsed-license renewal costs $165. | $55 | $55 |
| Business entity (agency), non-resident Lapsed-license renewal costs $165. | $110 | $110 |
| Travel insurance producer PID's fee page doesn't list a renewal figure separate from the $400 initial fee. | $400 | — |
| Public adjuster Lapsed-license renewal costs $400. | $200 | $200 |
| Surplus lines licensee Lapsed-license renewal costs $400. | $200 | $200 |
| Viatical settlement broker | $100 | $100 |
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: PID – Apply for or Renew Your Producer/Agent License
Renewal & CE
Renewal window — License expires on the last day of the licensee's birth month, on a two-year cycle. Renewal notices go out 60 days before expiration, and you can renew as early as 90 days ahead.
Grace period: You cannot renew or reinstate a license during the first three days after expiration; reinstatement becomes available again on day 4. Retroactive reinstatement (license treated as continuously active back to the original expiration date) is available up to 60 days after expiration; prospective reinstatement (effective the reinstatement date, not retroactive) is available from day 61 up to one year after expiration. After one year, you must apply for a new license.
The 3-hour ethics requirement and the 2-hour flood carve-out for property/casualty/personal-lines producers both took effect April 29, 2025 under Act 142 of 2024. Renewing after your license lapses costs $165 for an individual or business-entity license.
24 total CE hours per renewal term, including 3 ethics hours.
PID can waive the CE requirement case by case for military service or other well-documented extenuating circumstances. Missing the 24-hour minimum results in the license terminating.
| Line | Hours | Notes |
|---|---|---|
| Property, Casualty, or Personal Lines | 2 | 2 of the 24 total hours must be flood-insurance CE, added under Act 142 of 2024 for producers holding these lines. |
For agencies and non-residents
Agencies, appointments & DRLP
A business entity (agency) needs its own producer license, filed for $55 resident / $110 non-resident. Resident entities must first get name approval from PID, then register with the PA Department of State before applying. Every entity must name at least one Designated Responsible Licensed Producer — an individual PID licensee, listed on the application, whose lines of authority cumulatively cover everything the entity is applying for.
Insurers file appointments and terminations with PID electronically, typically through NIPR, and are billed $15 annually for each producer appointed during the preceding calendar year, regardless of how long the appointment was held. Pennsylvania does not operate a just-in-time appointment rule — producers should be appointed before writing business rather than relying on a post-sale filing window.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Pennsylvania uses reciprocity under Act 147 of 2002: if your resident state license is current, in good standing, and covers the same lines of authority, Pennsylvania waives its exam and any prelicensing for a non-resident license. Reciprocity doesn't extend to title insurance agents, who must pass Pennsylvania's title exam regardless of home-state credentials. Apply through InsureTrek for the $110 non-resident state fee.
Apply for a non-resident Pennsylvania license through InsureTrek, plus the state fee.
Official resources
- Pennsylvania Insurance Department — licensing
- DOI phone: 717-787-3840
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Pennsylvania Insurance Department or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- 31 Pa. Code § 37a.9 – License renewals — accessed 2026-08-19
- NIPR – Pennsylvania Non-Resident Licensing / Individual — accessed 2026-08-19
- NIPR – Pennsylvania Resident Licensing / Business — accessed 2026-08-19
- NIPR – Pennsylvania Resident Licensing / Individual — accessed 2026-08-19
- PID – Apply for or Renew Your Producer/Agent License — accessed 2026-08-19
- PID – Appointment Changes and Reports — accessed 2026-08-19
- PID – Continuing Education Requirements — accessed 2026-08-19
- PID – Initial Insurance Producer Licensing Process — accessed 2026-08-19
- PID – Insurance Producer Resident Business Entity — accessed 2026-08-19
- PID – Producer/Agent Licensing — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Pennsylvania?
PID's application fee is $55 for a resident individual producer license, $110 for non-residents. On top of that you'll pay PSI exam fees and, for new resident applicants, IdentoGO fingerprinting fees — PID doesn't publish those amounts itself, so confirm current pricing with each vendor before budgeting.
Do I need a prelicensing course to get a Pennsylvania insurance license?
No. Pennsylvania eliminated its prelicensing education requirement under Act 142 of 2024, effective April 29, 2025. You can register for the PSI exam directly, though the exam still covers the same Pennsylvania statutes and conduct rules the old course did.
Where do I take the Pennsylvania insurance licensing exam?
PSI administers Pennsylvania's producer exams. Register at test-takers.psiexams.com/pain or by phone at 888-818-5822; you can test at a PSI center or through a remote online proctored session.
How do I apply once I pass the exam?
Pennsylvania doesn't run its own application portal — InsureTrek can file it for you for the state's $55 resident fee.
How do I look up or verify a Pennsylvania insurance license?
PID's search tool library at pa.gov/agencies/insurance/resources/search-tool-library lets you look up licensed individuals, agencies, and companies by name or license number.
When does my Pennsylvania license renew, and how much CE do I need?
Licenses run on a 2-year cycle expiring the last day of your birth month. You need 24 CE hours per cycle, including 3 ethics hours; producers holding property, casualty, or personal lines authority also need 2 hours of flood CE, both added under Act 142 of 2024.
What happens if I miss my Pennsylvania renewal deadline?
You can't renew for the first three days after expiration. From day 4 through 60 days past expiration, reinstatement is retroactive to your original expiration date; from day 61 to one year past expiration, reinstatement is prospective only. After a year, you have to apply for a new license.
Can I get a Pennsylvania non-resident license without retaking the exam?
Yes, under Act 147 of 2002 reciprocity, if your resident state license is current, in good standing, and covers the same lines of authority. Title agents are the exception — they must pass Pennsylvania's title exam regardless of home-state credentials.
Does Pennsylvania license independent or staff insurance adjusters?
No. Pennsylvania only licenses public adjusters. Staff, independent, and catastrophe adjusters can handle Pennsylvania claims without a state license.
See how InsureTrek handles Pennsylvania licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.