Virginia insurancelicense requirements
Virginia insurance license at a glance
- Prelicensing course
- None, except 16 hours for Title
- Exam provider
- Prometric
- Exam fee
- $35 per exam
- License fee
- $15 per line of authority
- Fingerprints
- Required, through Fieldprint
- Continuing education
- 16 or 24 hours every 2 years
How to become an insurance agent in Virginia
Below, you'll find the steps to a Virginia insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Virginia insurance producers
Contact the Virginia insurance department
How much do insurance agents make in Virginia?
Virginia average insurance agent salary (all lines): $74,300
That is the mean annual wage for insurance sales agents in Virginia 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: $88,205
- Health insurance agent: $54,677
- Property and casualty insurance agent: $47,358
Please note that salaries will vary based on experience level and local demand.
Does Virginia require prelicensing education?
No, Virginia does not require insurance pre-licensing education for most lines. A Title license is the exception: resident applicants must complete a 16-hour pre-licensing study course and pass the Title exam within one year of finishing it. For other lines, 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 Virginia?
Becoming an insurance producer in Virginia 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: For most lines, a prelicensing course is optional, though it can help you prepare. Resident Title applicants must complete a 16-hour pre-licensing study course and pass the Title exam within one year of finishing it, and must bring the original completed Title Pre-Licensing Study Course Instructor's Certification and Notarized Affidavit of Course Completion form to the exam. The form is at the end of the candidate bulletin.
- Step 2: Book your exam with Prometric online at https://www.prometric.com/virginia/insurance or by phone at (866) 891-6396. Choose between in-person or remote testing options. The exam fee is $35 per exam, paid when you schedule.
- Step 3: On exam day, bring two forms of government-issued ID, each with your photo and signature. You'll receive your score immediately on-screen and via email. Security measures are enforced, including restrictions on personal items, what you may bring into the testing area, and attire. Review the candidate bulletin at https://www.prometric.com/virginia/insurance for detailed information on these measures.
- Step 4: Apply for your license through NIPR at https://nipr.com/ or Sircon at https://www.sircon.com/resource/layout.jsp?page=virginiaLps&sc=kukpaslu&type=virginia.
- Step 5: After you apply, submit your fingerprints through Fieldprint using the producer code “FPVABOIProducer”. Schedule your appointment on Fieldprint’s website, and bring your appointment number and two IDs to your appointment.
If you need assistance with any of these steps or have questions about specific requirements, contact the Virginia insurance department for the most current information.
Virginia insurance exam information
Virginia Life and Annuities Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (90 scored, 15 pretest) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 67.6% (1,858 of 2,748 first-time test takers, 2025) |
Virginia Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (90 scored, 15 pretest) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 71.0% (608 of 856 first-time test takers, 2025) |
Virginia Life and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions (140 scored, 10 pretest) |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 70.4% (2,758 of 3,917 first-time test takers, 2025) |
Virginia Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 145 Total Questions (135 scored, 10 pretest) |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pass rate | 70.4% (1,093 of 1,553 first-time test takers, 2025) |
Virginia Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (100 scored, 5 pretest) |
| Time limit | 2 hours |
| Passing score | 70% |
| Pass rate | 74.8% (860 of 1,150 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
Virginia insurance licensing fees
- Resident new license: Insurance Producer $15/LOA, Surplus Lines Broker $15, Limited Lines $15
- Nonresident new license: $15/LOA
- Renewal: Insurance Producer $10, Surplus Lines Broker $10, Limited Lines $10
- Late renewal: $30 per line
- Fees are per line of authority
Virginia insurance license citizenship requirements
FBI background check required; fingerprints required (FieldPrint, within 90 days)
How can I apply for a non-resident insurance license in Virginia?
- 1. Must be at least 18 years old.
- 2. Resident/mailing address must not be in Virginia jurisdiction.
- 3. Variable requires FINRA CRD number. Some title applicants must pass a Virginia exam.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $15 plus NIPR processing fees.
Virginia carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 30 days of first business execution
- Appointment deadline rule: VA ST § 38.2-1833(A) - written notice of appointment filed within 30 days after first insurance application; copy mailed to agent
- Can be processed via NIPR: Yes
- Fees for resident agency or individual: $10 per LOA
- Fees for nonresident: $7 per line
- Appoint agencies: Yes; agency appointment does not cover affiliated producers
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes; must not be in future and <30 days old
- State requires appointment renewal: Yes via Virginia portal
- Appointment renewal fee: 1 year, $7 per line
- Licenses require appointment or affiliation: No
Virginia insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Voluntary, death, appointed in error, cancelled for cause
- Termination date can be specified: Yes; must not be in future and <30 days old
- Termination fee: No
- Allows carriers to terminate if license expired: No
- Not-for-cause termination notices: Must be mailed
Virginia insurance license renewals
Resident renewal period begins: 90 days before expiration ; Resident renewal date: Last day of birth month every 2 years based on year of birth ; Nonresident renewal period: 90 days before expiration ; Nonresident renewal date: Last day of birth month every 2 years based on year of birth
Virginia insurance license continuing education (CE) requirements
- Total CE hours: 16 if one license, 24 if multiple
- Renewal period: 2 years
- CE due before license renewal
- Ethics: 3 hours
- Major lines: 8 hours per license type, 16 hours for Life & Annuities & Health, max 75% from company/agency courses
- Flood-specific: 3 hours NFIP
- LTC: 8-hour initial + 4 hours per 2 years
- Annuity: one-time 4-hour course
- Rollover: allowed in same biennium
- CE transcript lookup: https://www.scc.virginia.gov/pages/Continuing-Education-Requirements
Virginia 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. Virginia has no general prelicensing course, so most candidates can book an exam as soon as they are ready. Resident Title applicants must complete a 16-hour course and pass the Title exam within one year of finishing it. Allow time for your fingerprint appointment too. After you pass, you have 183 calendar days to apply. The state gives this processing time: 15 business days.
Yes. Virginia candidates can test online with a remote proctor through Prometric, or in person at a test center.
Expect to pay $35 per exam for the exam and $15 per line of authority for the license. Fingerprinting and any exam prep are extra.
No, with one exception. Virginia has no general prelicensing course. Resident Title applicants must complete a 16-hour course and pass the Title exam within one year of finishing it.
Yes. Resident applicants in Virginia are fingerprinted through Fieldprint.
Apply through Sircon or NIPR after you pass your exam.
Virginia requires 16 or 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, exam provider, fingerprints, where to apply and processing time: scc.virginia.gov
- Exam fee, online exams and time to apply after passing: scc.virginia.gov
- License fee: scc.virginia.gov
- Continuing education: scc.virginia.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Virginia and exam provider sources as of . Licensing rules and fees change, so confirm them with the Virginia insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Virginia, 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.
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