Virginia Insurance License: Requirements, Fees, and Renewal
Complete 2026 guide for new and renewing Virginia insurance agents
Whether you are earning your initial Virginia insurance producer license or managing renewal compliance for an active agency, this comprehensive guide covers the essential regulatory rules. 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 Virginia State Corporation Commission Bureau of Insurance (BOI)[cite: 4]. Examination scheduling and CE tracking are delivered through authorized educational vendors, while license applications and biennial renewals are processed online via Sircon and NIPR.
Virginia Insurance License Types
Virginia issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the Old Dominion 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 and Annuities Producer | Individual and group life insurance products, annuities, and endowments. |
| 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 Broker | Placing specialty and non-admitted coverage for unique or complex commercial risks not available in the admitted market. |
| Public Adjuster | Investigating, negotiating, and resolving property claims on behalf of insured policyholders. |
How to Get a Virginia Insurance License
Step 1: Exam Preparation
Virginia does not mandate a formal classroom pre-licensing curriculum prior to taking the state exam, but completing an exam prep course 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
Virginia insurance licensing examinations are administered through Prometric[cite: 4]. The examination evaluates general product knowledge alongside Virginia-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 Sircon or NIPR. The initial application fee is $15 per line of authority. Resident applicants must also complete a state and FBI criminal background check with digital electronic fingerprinting through Fieldprint Virginia (typically costing around $35 to $40) using the Bureau’s assigned code.
Virginia License Renewal and CE Requirements
Individual producer licenses in Virginia remain active subject to completing biennial continuing education and paying the required fees 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: $32 biennial continuation and administration fee[cite: 4]
- Submission Portal: Electronic continuation and CE tracking through Sircon or NIPR
- Continuing Education Term: Producers holding a single line of authority require 16 hours of approved CE[cite: 4]; producers holding more than one major line require 24 hours of approved CE[cite: 4]; all compliance cycles strictly require 3 hours of approved ethics training[cite: 4]
Continuing Education Overview
Virginia CE requirements
Showing: All lines
$10 per LOA
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.
One license type (including Life & Annuities plus Health together) = 16 hrs. Two or more license types = 24 hrs, with at least 8 hrs applicable to each license type.
Non-Resident Virginia Licensing
Producers licensed outside Virginia 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: $15 per line of authority (plus state transaction fees)
- Renewal Term: $32 every 2 years[cite: 4]
- Continuing Education: Fully satisfied by fulfilling your home state CE requirements[cite: 4]
- Application Method: Direct electronic filing via NIPR or Sircon[cite: 4]
Virginia Agency Entity Licensing
Corporations, limited liability companies, and partnerships operating as insurance agencies in Virginia must maintain an agency business entity license in addition to individual agent credentials.
- Initial and Renewal Fee: $50 initial filing fee ($32 biennial maintenance fee)[cite: 4]
- 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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