New Jersey insurancelicense requirements
New Jersey insurance license at a glance
- Prelicensing course
- 20 hours per line
- Exam provider
- PSI
- Exam fee
- $38 per exam
- License fee
- $170 through NIPR
- Fingerprints
- Required, through IdentoGO
- Continuing education
- 24 credits every 2 years
How to become an insurance agent in New Jersey
Below, you'll find the steps to a New Jersey insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for New Jersey insurance producers
Contact the New Jersey insurance department
How much do insurance agents make in New Jersey?
New Jersey average insurance agent salary (all lines): $102,460
That is the mean annual wage for insurance sales agents in New Jersey in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $90,324
- Health insurance agent: $55,991
- Property and casualty insurance agent: $48,496
Please note that salaries will vary based on experience level and local demand.
Does New Jersey require prelicensing education?
New Jersey requires producer licensing candidates to take and complete a state-approved prelicensing course (20 hours per line; 40 for Life and Health or Property and Casualty combined). You will also need to apply to your license with the state insurance department and register for the state licensing exam. Make sure to register for all 3 (prelicensing course, license application, state exam) using the personally identifiable information exactly as it appears on your government-issued ID. Discrepancies will delay the licensing process.
How do I get my insurance license in New Jersey?
Becoming an insurance producer in New Jersey requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Complete a prelicensing course approved by the Department of Insurance. Once finished, download and print your certificate of completion from your Achievable account.
- Step 2: Schedule your exam with PSI at https://home.psiexams.com/#/home or by calling (800) 733-9267. Choose to take the exam at a PSI center or online remotely. Fees must be paid when reserving your spot. Cancel at least two days before your exam to avoid forfeiting the fee.
- Step 3: On the day of the exam, bring a valid government-issued photo ID and your certificate of completion. Without these, you won’t be allowed to take the exam. You'll receive your results immediately. If you pass, you'll get a score report; if not, a diagnostic report will help you identify areas to improve.
- Step 4: New Jersey requires fingerprinting and a criminal history check. Schedule your fingerprinting scan with IdentoGo at https://uenroll.identogo.com/ or call (877) 503-5981, using the Producer service code 2F16Y3. Bring the necessary identification to your appointment.
- Step 5: Apply for your license through NIPR at https://nipr.com/. Additional application guidance is available on their website.
If you need assistance with any of these steps or have questions about specific requirements, contact the New Jersey insurance department for the most current information.
New Jersey insurance exam information
New Jersey Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 83 Total Questions |
| Time limit | 3.5 Hours |
| Passing score | 70% |
| Pass rate | 62.0% (4,315 of 6,956 first-time test takers, 2025) |
New Jersey Accident and Health Examination
| Detail | Value |
|---|---|
| Questions | 88 Total Questions |
| Time limit | 3.5 Hours |
| Passing score | 70% |
| Pass rate | 57.2% (2,184 of 3,816 first-time test takers, 2025) |
New Jersey Property Producer Examination
| Detail | Value |
|---|---|
| Questions | 79 Total Questions |
| Time limit | 3.5 Hours |
| Passing score | 70% |
| Pass rate | 46.5% (536 of 1,153 first-time test takers, 2025) |
New Jersey Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 91 Total Questions |
| Time limit | 3.5 Hours |
| Passing score | 70% |
| Pass rate | 61.6% (683 of 1,109 first-time test takers, 2025) |
New Jersey Personal Lines Examination
| Detail | Value |
|---|---|
| Questions | 112 Total Questions |
| Time limit | 3.5 Hours |
| Passing score | 70% |
| Pass rate | 73.4% (182 of 248 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
New Jersey insurance licensing fees
- Initial license fees: $170 major lines, $95 limited lines
- Renewal fees: $150 major lines, $75 limited lines
- LOA addition fee: $20 per application; Limited Lines with Major Lines addition: $75
New Jersey insurance license citizenship requirements
Resident applicants must submit fingerprints via Live Scan. Non-citizen applicants must provide employment authorization or permanent resident card if applicable.
Where can I apply for a resident insurance license in New Jersey?
Apply through NIPR
How can I apply for a non-resident insurance license in New Jersey?
- 1. Must be at least 18 years old.
- 2. Reciprocity generally applies. Non-citizens must have a resident license.
- 3. Must not have an inactive non-resident license in the state with an expiration date in the future.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $170 plus NIPR processing fees.
New Jersey carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 15 days of contracting with producer or first submission
- Can be processed via NIPR: Yes
- Fees for appointing resident/nonresident agency or individual: $25 electronic / $35 paper
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: Yes
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes (cannot precede effective date; backdate up to 60 days)
New Jersey insurance license termination details
- Termination reasons: voluntary, inadequate production, canceled by GA, death, company defunct/liquidation, indebtedness, poor service, agent moved, appointed in error, request regulatory review
- Terminations processed via NIPR: Yes
- Termination date can be specified: Yes (cannot precede effective date; backdate up to 60 days)
- Termination fee: $25 electronic / $35 paper
- Allows termination if license expired: No
- Not-for-cause notices may be emailed: Yes
New Jersey insurance license renewals
Resident/Nonresident renewal: Last day of birth month every 2 years based on year of first license issuance ; Late renewal allowed up to one year after expiration
New Jersey insurance license continuing education (CE) requirements
- CE total hours: 24 per 2-year period
- Ethics: 3 hours
- Flood (NFIP): 3 hours one-time
- LTC: 8-hour initial + 4 hours every two years
- Annuity: one-time 4-hour course
- Public adjusters: 15 hours every 2 years
- CE transcripts: https://sbs.naic.org/solar-external-lookup/license-manager
New Jersey insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 20 hours per line. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply.
Yes. New Jersey candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $38 per exam for the exam and $170 through NIPR for the license. Fingerprinting and any exam prep are extra.
Yes. New Jersey sets this requirement: 20 hours per line.
Yes. Resident applicants in New Jersey are fingerprinted through IdentoGO.
Apply through NIPR after you pass your exam.
New Jersey requires 24 credits every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, continuing education and online exams: nj.gov
- Exam provider, exam fee, license fee, where to apply and time to apply after passing: test-takers.psiexams.com
- Fingerprints: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official New Jersey and exam provider sources as of . Licensing rules and fees change, so confirm them with the New Jersey insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in New Jersey, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
