North Dakota Insurance License: Requirements, Fees, and Renewal
Complete 2026 guide for new and renewing North Dakota insurance agents
Whether you are earning your initial North Dakota insurance producer license or managing renewal compliance for an active brokerage, this comprehensive guide outlines all key state standards. Below you will find licensing requirements, continuing education guidelines, examination steps, and biennial renewal schedules current for 2026.
Insurance producer licensing is administered by the North Dakota Insurance Department (NDOI). Examination delivery and CE tracking are handled through authorized testing vendors, while license applications and biennial renewals are processed online via NIPR and Sircon.
North Dakota Insurance License Types
North Dakota issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the Peace Garden State commonly maintain one or more of the following license lines:
| License Type | Lines of Authority & Coverage Scope |
|---|---|
| Property & Casualty Producer | Personal and commercial lines coverage including automobile, homeowners, commercial property, general liability, and surety bonds. |
| Life Producer | Individual and group life insurance products, annuities, and endowments. |
| Accident & Health Producer | Major medical plans, Medicare supplements, disability income, dental, and vision insurance. |
| Personal Lines Producer | Personal automobile and residential property policies without commercial writing authority. |
| Surplus Lines Producer | Placing specialty and non-admitted coverage for unique or complex commercial risks not available in the admitted market. |
| Crop Insurance Producer | Specialized multi-peril and hail insurance coverage for agricultural crops. |
How to Get a North Dakota Insurance License
Step 1: Exam Preparation
North Dakota does not mandate formal classroom pre-licensing hours prior to taking the state exam, but completing comprehensive exam preparation through recognized providers such as Kaplan, ExamFX, or AD Banker is strongly recommended. Study packages generally range between $150 and $400 depending on study format.
Step 2: Pass the State Licensing Exam
North Dakota insurance licensing examinations are administered through Prometric. The examination evaluates general product knowledge alongside North Dakota-specific insurance statutes and administrative regulations. A passing score of 70% or higher is required.
Step 3: Complete Fingerprinting and Submit Application
Following a passing examination score, submit your official producer application online via NIPR or Sircon. The state licensing application fee is $100 for resident producers. Resident applicants must also complete a state and FBI criminal background check with digital fingerprinting through authorized law enforcement or vendor locations (typically costing $40 to $50) and submit the required criminal history record check forms directly to NDOI.
North Dakota License Renewal and CE Requirements
Individual producer licenses in North Dakota are renewed every 2 years, expiring on the last day of the producer’s birth month (even-numbered years for even birth years, odd-numbered years for odd birth years). Completing your required continuing education well ahead of the deadline ensures uninterrupted authority to bind coverage.
Standard Renewal Guidelines
- State Renewal Fee: $25 for individual resident producers ($50 for non-residents)
- Submission Portal: Electronic renewal through NIPR or Sircon
- Continuing Education Term: Resident producers must complete 24 hours of approved CE each cycle, strictly including 3 hours of approved ethics training; multi-line licensees satisfy their full requirement across their active lines
Continuing Education Overview
North Dakota CE requirements
Showing: All lines
$25
This is the current standard resident individual producer renewal fee/rule. Fees can differ by line of authority, license class, appointment status, transaction method, or business-entity license.
This figure is carried from an earlier build and hasn't been re-confirmed against the state this cycle. Verify with the state Department of Insurance before relying on it.
Non-Resident North Dakota Licensing
Producers licensed outside North Dakota who plan to transact business in the state must obtain a non-resident license. Under standard reciprocity rules, no examination is required provided you maintain an active resident license in good standing in your home state.
- Application Fee: $100
- Renewal Term: $50 every 2 years
- Continuing Education: Fully satisfied by fulfilling your home state CE requirements
- Application Method: Direct electronic filing via NIPR or Sircon
North Dakota Agency Entity Licensing
Corporations, limited liability companies, and partnerships operating as insurance agencies in North Dakota must maintain an agency business entity license in addition to individual agent credentials.
- Initial and Renewal Fee: $100 initial filing ($25 biennial renewal fee for residents)
- Designated Producer: The entity must appoint at least one active, licensed individual as the Designated Responsible Licensed Producer (DRLP)
- Compliance: Agency authority remains valid as long as the designated producer maintains active individual licensing
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