North Dakota insurancelicense requirements
North Dakota insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $61 to $67 per exam
- License fee
- $100
- Fingerprints
- Required
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in North Dakota
Below, you'll find the steps to a North Dakota insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for North Dakota insurance producers
Contact the North Dakota insurance department
How much do insurance agents make in North Dakota?
North Dakota average insurance agent salary (all lines): $89,710
That is the mean annual wage for insurance sales agents in North Dakota 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: $94,135
- Health insurance agent: $58,354
- Property and casualty insurance agent: $50,543
Please note that salaries will vary based on experience level and local demand.
Does North Dakota require prelicensing education?
No, North Dakota does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in North Dakota?
Becoming an insurance producer in North Dakota 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 (optional): Consider taking an optional prelicensing course to prepare for your licensing exam.
- Step 2: Schedule your exam through PSI online at PSI Exams at https://test-takers.psiexams.com/ndins or by calling (855) 340-3905. Exams are taken in person at a PSI center. Pay the exam fee at booking. Cancel or reschedule at least two days in advance to avoid forfeiting the fee.
- Step 3: On exam day, bring a valid government-issued ID (driver’s license, passport, military I.D., etc.) with a photo and signature. No ID means no exam. Review PSI's security measures in their candidate bulletin. After the exam, you’ll receive a pass/fail score report.
- Step 4: Apply for your license at NIPR at https://nipr.com/ within 12 months of passing the exam. North Dakota requires hard-copy fingerprint cards (digital fingerprints such as Fieldprint are not accepted) and a $43 background check fee payable to the North Dakota Attorney General. You can be fingerprinted at the PSI test center in Bismarck or Fargo on exam day, or at another location and mail the cards to the Department.
If you need assistance with any of these steps or have questions about specific requirements, contact the North Dakota insurance department for the most current information.
North Dakota insurance exam information
North Dakota Life Insurance and Annuity Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 55.1% (276 of 501 first-time test takers, 2025) |
North Dakota Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 60.6% (212 of 350 first-time test takers, 2025) |
North Dakota Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 59.9% (115 of 192 first-time test takers, 2025) |
North Dakota Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 46.0% (91 of 198 first-time test takers, 2025) |
North Dakota Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 0.0% (0 of 2 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
North Dakota insurance licensing fees
- Initial license fees: Resident/Nonresident Insurance Producer & Surplus Lines Producer: $100
- Renewal fees: Resident/Nonresident: $25
- Public Adjuster: $100 initial, $25 renewal; business entity $150
North Dakota insurance license citizenship requirements
Fingerprints required for resident licensing
Where can I apply for a resident insurance license in North Dakota?
Apply through NIPR
How can I apply for a non-resident insurance license in North Dakota?
- 1. Must be at least 18 years old.
- 2. Must provide a valid country code, mailing address, business email, and resident phone number.
- 3. Variable requires FINRA CRD number
- 4. Reciprocity generally applies. Must hold an active resident license in your home state.
- 5. Apply via NIPR and pay $100 plus NIPR processing fees.
North Dakota carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 30 days of contract execution or first business submission
- Can be processed via NIPR: Yes
- Fees for appointing resident/nonresident agency or individual: $10
- Appoint agencies: Yes
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes, must not be in future and <30 days old
North Dakota insurance license termination details
- Terminations processed via NIPR: Yes
- Termination date can be specified: Yes, must not be in future and <30 days old
- Termination fee: None
- Allows termination if license expired: No
- Not-for-cause notices can be emailed as PDF attachment
North Dakota insurance license renewals
Resident/nonresident individual renewal: Last day of birth month every 2 years based on year of first license issuance
North Dakota insurance license continuing education (CE) requirements
- CE total hours per period: 24
- Renewal period: 2 years
- Ethics: 3 hours
- Flood: 3 hours NFIP course
- LTC: 8-hour initial, 4 hours every 2 years
- Annuity: One-time 4-hour course
- CE transcripts: https://sbs.naic.org/solar-external-lookup/license-manager
North Dakota 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. North Dakota requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply.
No. North Dakota insurance exams are taken in person at PSI test centers.
Expect to pay $61 to $67 per exam for the exam and $100 for the license. Fingerprinting and any exam prep are extra.
No. North Dakota does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70%. In 2025, 55.1% of first-time test takers passed the North Dakota life exam, according to the NAIC.
Yes. Resident applicants in North Dakota are fingerprinted.
Apply through NIPR after you pass your exam.
North Dakota requires 24 hours 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, fingerprints and continuing education: insurance.nd.gov
- Exam provider and license fee: insurance.nd.gov
- Exam fee, passing score, online exams and where to apply: test-takers.psiexams.com
- Time to apply after passing: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official North Dakota and exam provider sources as of . Licensing rules and fees change, so confirm them with the North Dakota insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in North Dakota, 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?
