Utah Insurance License Requirements and Renewal Guide
Complete 2026 guide for new and renewing Utah insurance agents
Whether you are earning your initial Utah 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 Utah Insurance Department (UID). Examination delivery, test center application kiosks, and fingerprint processing are coordinated with Prometric, while license applications and biennial renewals are processed online via Sircon and NIPR.
Utah Insurance License Types
Utah issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the Beehive State commonly maintain one or more of the following license categories:
| 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 | Health insurance 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. |
| Independent Adjuster | Investigating, negotiating, and resolving property and casualty insurance claims. |
How to Get a Utah Insurance License
Step 1: Exam Preparation
Utah does not mandate a formal classroom pre-licensing curriculum 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
Utah insurance licensing examinations are administered through Prometric. The examination tests national insurance principles alongside Utah-specific insurance statutes and administrative regulations. A passing score of 70% or higher is required.
Step 3: Complete Testing Center Application and Fingerprinting
Following a passing examination score, resident applicants can submit their official producer application directly at the Prometric testing center kiosks via Sircon or NIPR. The state licensing application fee is $75. Resident applicants also complete FBI and BCI digital fingerprinting at the Prometric test center (typically costing $32 in background check fees plus a $6 vendor processing fee).
The Utah Insurance Department typically approves complete electronic applications within 3 to 7 business days once Prometric exam scores, kiosk filings, and digital fingerprints clear. Completing your application and fingerprinting during your Prometric exam appointment eliminates subsequent trips and prevents administrative delays.
Utah License Renewal and CE Requirements
Individual producer licenses in Utah are renewed every 2 years, expiring on the last day of the producer’s birth month (in 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: $75 for individual resident and non-resident 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 3 hours of ethics training and at least 12 hours completed through live classroom or interactive webinar formats.
Continuing Education Overview
Non-Resident Utah Licensing
Producers licensed outside Utah 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: $75
- Renewal Term: $75 every 2 years
- Continuing Education: Fully satisfied by fulfilling your home state CE requirements
- Application Method: Direct electronic filing via NIPR or Sircon
Utah Agency Entity Licensing
Corporations, limited liability companies, and partnerships operating as insurance agencies in Utah must maintain an agency business entity license in addition to individual agent credentials.
- Initial and Renewal Fee: $75 per biennial cycle
- 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