Rhode Island Insurance License — Requirements, Fees & Renewal
Complete 2026 guide for new and renewing Rhode Island insurance agents
Whether you’re getting your first Rhode Island insurance license or renewing your existing credentials, this guide covers everything you need to know — fees, continuing education hours, exam information, and renewal deadlines as of 2026.
Rhode Island insurance licensing is administered by the Rhode Island Department of Business Regulation. Pre-licensing courses, exams, and ongoing CE are typically handled through approved third-party providers, with applications and renewals processed online via Sircon and NIPR.
Rhode Island Insurance License Types
Rhode Island issues separate licenses by line of authority. The most common types for independent agents are:
| License Type | What It Covers |
|---|---|
| Property & Casualty | Personal & commercial P&C — auto, home, commercial, surety |
| Life | Life insurance and annuities |
| Accident & Health | Health, Medicare, dental, disability, vision |
| Personal Lines (Limited) | Auto and homeowners only — limited scope |
| Surplus Lines / Excess Lines | Non-admitted carriers for hard-to-place risk |
| Adjuster License | Claims adjusting (separate from agent license) |
How to Get a Rhode Island Insurance License
Step 1: Pre-Licensing Education
Most license types in Rhode Island require pre-licensing coursework before sitting for the exam. Approved providers include Kaplan, ExamFX, and AD Banker. Course costs typically range from $150-$400 depending on license type and study format.
Step 2: Pass the State Exam
Rhode Island insurance exams are administered by Prometric. Each exam covers state-specific insurance law and product knowledge for your chosen line of authority. Passing score is generally 70%.
Step 3: Submit Application & Submit Fingerprints
After passing the exam, complete your license application through Sircon.com or NIPR.com. Application fee: $75. You’ll also need fingerprinting through an approved vendor (typically $40-$95) and a background check, which is automatic with fingerprints.
Rhode Island License Renewal
Rhode Island insurance licenses must be renewed every 2 years. Plan your CE around your renewal cycle to avoid wasted credits or last-minute scrambles.
Renewal Requirements
- Fee: $75 renewal fee
- Method: Renew online at Sircon.com or NIPR.com
- Late renewal: Most states offer a 60-90 day grace period with late fees
Continuing Education Requirements
Rhode Island CE requirements
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$120
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.
Non-Resident Rhode Island License
If you’re licensed in another state and want to sell insurance in Rhode Island, you’ll need a non-resident license. The good news: no exam is required if you hold an active resident license in good standing elsewhere.
- Application fee: $75
- Renewal fee: $75 every 2 years
- CE: Generally satisfied by your home state’s CE under reciprocity
- Process: Apply through NIPR.com — typical processing 7-10 days
Rhode Island Agency Entity License
If you operate as a corporation, LLC, or partnership selling insurance in Rhode Island, you need an agency entity license in addition to your individual agent license.
- Application fee: $75
- Renewal: Same fee, same renewal cycle as individual licenses
- Designated principal: One licensed individual must be the agency’s responsible producer
Track your Rhode Island license — get renewal reminders
Register free for AgencyLedge and we’ll remind you 90, 60, and 30 days before your renewal deadline. Upload your CE certificates and stay organized in one place.