Texas Insurance License Requirements and Renewal
Complete 2026 guide for new and renewing Texas insurance agents
Texas Insurance License Types
Texas issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the Lone Star State commonly maintain one or more of the following license categories.
| License Type | Lines of Authority and Coverage Scope |
|---|---|
| General Lines Property and Casualty | Personal and commercial lines coverage including automobile homeowners commercial property general liability and surety bonds. |
| General Lines Life Accident and Health | Life insurance products annuities major medical plans Medicare supplements and disability income. |
| Personal Lines Property and Casualty | Personal automobile and residential property policies without commercial writing authority. |
| Surplus Lines Agent | Placing specialty and nonadmitted coverage for complex commercial risks that standard admitted carriers cannot accommodate. |
| All Lines Adjuster | Investigating negotiating and resolving property and casualty insurance claims. |
How to Get a Texas Insurance License
Step 1 Complete Exam Preparation
Texas does not mandate a formal classroom prelicensing curriculum prior to taking the state exam but completing an exam prep course through recognized providers is strongly recommended. Study packages generally range between 150 dollars and 400 dollars depending on your chosen study format.
Step 2 Pass the State Licensing Exam
Texas insurance licensing examinations are administered through Pearson VUE. The examination tests national insurance principles alongside Texas specific insurance statutes and administrative regulations. A passing score of 70 percent or higher is required.
Step 3 Complete Fingerprinting and Submit Application
Following a passing examination score submit your official producer application online via Sircon or NIPR. The state licensing application fee is 50 dollars per line of authority. Resident applicants must also complete a state and FBI criminal background check with digital electronic fingerprinting through IdentoGO by IDEMIA using the official TDI service code.
The Texas Department of Insurance typically approves complete electronic applications within three to seven business days once Pearson VUE exam scores and IdentoGO background clearances clear. Complete your digital fingerprinting session immediately after scheduling or passing your exam to prevent administrative delays.
Texas License Renewal and CE Requirements
Individual producer licenses in Texas are renewed every two years expiring on the last day of the producer birth month. Completing your required continuing education well ahead of the deadline ensures uninterrupted authority to bind coverage.
Standard Renewal Guidelines
- State Renewal Fee 50 dollars for individual resident and nonresident producers
- Submission Portal Electronic renewal through Sircon or NIPR
- Continuing Education Term Resident producers must complete 24 hours of approved CE each cycle strictly including at least two hours of ethics or consumer protection. At least 12 of the 24 hours must be completed in classroom or classroom equivalent courses.
Continuing Education Overview
Texas Agency Entity Licensing
Corporations limited liability companies and partnerships operating as insurance agencies in Texas must maintain an agency business entity license in addition to individual agent credentials.
- Initial and Renewal Fee 50 dollars per biennial cycle
- Designated Producer The entity must appoint at least one active licensed individual as the Designated Responsible Licensed Producer or DRLP
- Compliance Agency authority remains valid as long as the designated producer maintains active individual licensing