Insurance Agent in Massachusetts

Requirements, salary data, licensing costs, and career ROI for MA. Updated with 2024 BLS OEWS wage data.

Median annual salary

$77,660

trending_up +28.6% vs. national

BLS OEWS 2024, Massachusetts.

engineering

10,360

Jobs (MA)

monitoring Stable

+3.7%

10-yr job growth

payments

$264

Licensing fees

schedule

Varies (self-study 4-6 weeks recommended before exam)

Time to complete

route How to become an insurance agent in Massachusetts

To become a licensed Insurance Agent in Massachusetts, individuals must be at least 18 years old and pass the Massachusetts Insurance Producer Licensing Exam. While pre-licensing education is not mandatory, it is highly recommended. After passing the exam, applicants must submit an application and pay the associated fees to the Massachusetts Division of Insurance. Massachusetts has reciprocity agreements with all other states, allowing licensed producers from other states to obtain a non-resident license without re-taking the exam. A background check, including fingerprinting, is required after passing the state exam.

bar_chart Salary percentiles

10th percentile (entry) $38,550

25th percentile $62,050

50th (median) $77,660

75th percentile $114,430

90th (experienced) $203,410

Source: BLS OEWS 2024 for Massachusetts. Metro-area wages may differ significantly from the state aggregate.

checklist Massachusetts requirements

Licensing body	Massachusetts Division of Insurance
State license	Required
Education	Not required, but highly recommended.
Exam	Massachusetts Insurance Producer Licensing Exam ($39)
Application fee	$225
Renewal	Every 3.0 years
Continuing education	45.0 hours per cycle
Notes	Minimum age 18. Requires a background check (fingerprinting after passing exam). First renewal requires 60 CE hours, subsequent renewals require 45 CE hours. All CE cycles require 3 hours of ethics. License renews every 3 years on the licensee's birth date. A $75 lead paint surcharge applies if applying for Property, Casualty, and/or Personal Lines.

Source: Massachusetts Division of Insurance

work_outline Job outlook

10-year growth

+3.7%

Average

Annual openings

47,000

Nationwide per year

Total employment

568,800

Nationwide

neurology

AI & tech impact

error High exposure 1.34/1.00

Many tasks in this career are susceptible to AI automation. Long-term career planning should account for potential disruption.

hub

balance Is it worth it?

check_circleMassachusetts license required — clearer credential signal to employers
warningElevated AI disruption risk

psychology

Wondering if an insurance agent career is the right fit?

See what the day actually looks like, who the role suits, and who should skip it — grounded in real practitioner sources.

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Frequently asked questions

What's required to work as an insurance agent in Massachusetts? expand_more

The path to insurance agent licensure in Massachusetts: complete the required education (Not required, but highly recommended.), pass the Massachusetts Insurance Producer Licensing Exam, and submit your application ($225 fee).

Do I need a license to work as an insurance agent in Massachusetts? expand_more

Massachusetts mandates state licensure for insurance agents. Massachusetts Division of Insurance oversees the process, which includes passing the Massachusetts Insurance Producer Licensing Exam.

How much do insurance agents make in Massachusetts? expand_more

insurance agents in Massachusetts earn a median of $77,660 annually. — 29% higher than the $60,370 national figure. Wages range from $38,550 (10th percentile) up to $203,410 (90th percentile).

How much does it cost to become an insurance agent in Massachusetts? expand_more

Plan on spending varies total — that covers exam fee ($39) and application fee ($225) plus your education and training.

What's the timeline to become an insurance agent in Massachusetts? expand_more

Expect to spend Varies (self-study 4-6 weeks recommended before exam) from start to finish in Massachusetts — covering coursework, supervised experience, and examination.

What's required to renew a insurance agent license in Massachusetts? expand_more

License renewal in Massachusetts requires completing 45.0 hours of continuing education on a 3.0-year cycle.