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Professional & Business license portability
Insurance Agent license reciprocity by state
Insurance Agent licenses are broadly portable across the US — 50 of the 50 states and DC offer direct recognition or licensure by endorsement, though endorsement can still come with state-specific requirements such as a law exam. Each row below links to the state's official licensing board and lists the specific reciprocal states where we have them.
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50 via endorsement
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1 require exam
Reciprocity tier legend
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Recognized
Existing license or national cert accepted directly.
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Endorsement
Apply for a new license — paperwork, fees, no re-exam.
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Exam required
Must retake the state exam or complete state-specific training.
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Not recognized
No reciprocity pathway. Satisfy state requirements from scratch.
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No license required
State does not license this profession.
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Check with board
The state publishes no clear transfer rule. Contact the licensing board.
All 50 states + DC
Each row shows the destination state's reciprocity tier, the board's own language behind it, and a link to the official state licensing board.
| State | Reciprocity tier | Summary |
|---|---|---|
| Alabama | assignment_turned_in Endorsement | Alabama reciprocates with most states for equivalent lines of authority, meaning no additional exams are required for non-resident licenses if you hold an active resident license in another state. However, residents from California, Hawaii, and New York applying for a non-resident independent adjuster license must take an Alabama exam. Official state board arrow_outward |
| Alaska | assignment_turned_in Endorsement | Alaska has reciprocity agreements with all other states for non-resident licenses, provided the individual holds a resident license in good standing in their home state and their home state offers equal reciprocity. The licensing exam is waived for agents moving to Alaska who apply for a resident license within 90 days of canceling a resident license from another state for the same lines of authority. Official state board arrow_outward |
| Arizona | assignment_turned_in Endorsement | Arizona has reciprocity with most states for non-resident licenses, provided the applicant holds an active license in good standing in their home state and the home state offers reciprocity to Arizona residents. New Arizona residents relocating from another state may be exempt from the exam if they held the same license type and line of authority in their previous resident state and provide a Clearance Letter. Official state board arrow_outward |
| Arkansas | assignment_turned_in Endorsement | Arkansas has reciprocity agreements with all other states for substantially similar licenses, waiving pre-licensing education and exam requirements for non-residents in good standing. Official state board arrow_outward |
| California | edit_note Exam required | California has reciprocity with many states for non-resident licensing of insurance producers, meaning that if you hold an active resident license in another state with equivalent lines of authority, you may apply for a California non-resident license without taking the exam. However, a 12-hour California Code and Ethics course is still required for non-residents moving to California who wish to obtain a resident license. California does not grant reciprocal adjuster licenses; all adjuster applicants must pass the California exam. Official state board arrow_outward |
| Colorado | assignment_turned_in Endorsement | Colorado has reciprocity with most other states, meaning that if you hold a similar license in your home state, you may be exempt from pre-licensing education and the state exam. You will still need to apply for a non-resident license in each state and pay the associated fees. Non-resident producers are considered compliant in Colorado if they meet their resident state's CE requirements. Official state board arrow_outward |
| Connecticut | assignment_turned_in Endorsement | Connecticut has reciprocity agreements with most states for non-resident licenses, provided the applicant holds an active license in good standing in their resident state and applies electronically via NIPR. Official state board arrow_outward |
| Delaware | assignment_turned_in Endorsement | Delaware has reciprocity agreements with all other states for non-resident licenses, waiving exam requirements if the applicant holds a valid license in their home state and their home state offers reciprocity to Delaware residents. Non-resident producers are exempt from Delaware's CE requirements if they meet their home state's CE requirements. Official state board arrow_outward |
| District of Columbia | assignment_turned_in Endorsement | Non-resident applicants licensed and in good standing in their resident state can be licensed through reciprocity. Official state board arrow_outward |
| Florida | assignment_turned_in Endorsement | Florida has reciprocity with all US states and territories for equivalent lines of authority, provided the home state license is active and in good standing. Specific agreements exist with 30 states and Puerto Rico for insurance licenses, and Canadian provinces for adjusters. Official state board arrow_outward |
| Georgia | assignment_turned_in Endorsement | All states (for the same lines of authority) if the resident license is active and in good standing. Official state board arrow_outward |
| Hawaii | assignment_turned_in Endorsement | Hawaii has reciprocity agreements with all other states for equivalent lines of authority, meaning no additional exams are required if you hold a resident license in good standing in another state. Official state board arrow_outward |
| Idaho | assignment_turned_in Endorsement | Idaho offers reciprocity with all other states for non-resident licenses, provided the applicant holds a resident license in good standing in their home state and that state offers reciprocal treatment to Idaho residents. Official state board arrow_outward |
| Illinois | assignment_turned_in Endorsement | Illinois offers reciprocity; individuals licensed in another state for the same lines of authority are exempt from pre-licensing education and examination if currently licensed or if the application is received within 90 days of license cancellation. The Department verifies licensure through the producer database. Official state board arrow_outward |
| Indiana | assignment_turned_in Endorsement | Indiana has reciprocity with most states, exempting non-resident applicants from pre-licensing education and examination requirements if they hold an active license in good standing in their home state for the same lines of authority. Official state board arrow_outward |
| Iowa | assignment_turned_in Endorsement | Iowa has reciprocity with all other states, provided the applicant holds a resident license in good standing in their home state and their home state offers equal reciprocity to Iowa residents. Official state board arrow_outward |
| Kansas | assignment_turned_in Endorsement | Kansas grants reciprocity to non-resident producers who are compliant with their home state's CE requirements. If moving to Kansas from another state, the Kansas Department of Insurance will provide instructions on obtaining a resident license after reviewing the request. Official state board arrow_outward |
| Kentucky | assignment_turned_in Endorsement | All states Official state board arrow_outward |
| Louisiana | assignment_turned_in Endorsement | Louisiana has reciprocity with most states, allowing licensed non-resident producers to obtain a license without retaking the exam, provided they are in good standing in their home state and their home state offers similar reciprocity to Louisiana residents. Official state board arrow_outward |
| Maine | assignment_turned_in Endorsement | All other states Official state board arrow_outward |
| Maryland | assignment_turned_in Endorsement | Maryland offers reciprocity to non-residents if their home state licenses Maryland residents on the same basis and the non-resident is licensed in good standing in their state of residence. Non-residents from states that do not issue a producer license may be issued a Maryland license if they meet resident requirements. Official state board arrow_outward |
| Massachusetts | assignment_turned_in Endorsement | All states Official state board arrow_outward |
| Michigan | assignment_turned_in Endorsement | Michigan has reciprocity agreements with all other states, allowing licensed resident producers to obtain nonresident licenses without additional education or exams, provided their home state license is in good standing. Some states may have additional requirements like fingerprinting. Official state board arrow_outward |
| Minnesota | assignment_turned_in Endorsement | All states Official state board arrow_outward |
| Mississippi | assignment_turned_in Endorsement | Mississippi has reciprocity with all other states for nonresident licenses, provided the applicant holds an active license in good standing in their home state and their home state offers reciprocity on the same basis. Official state board arrow_outward |
| Missouri | assignment_turned_in Endorsement | Missouri has reciprocity agreements with all other states for insurance producers, provided the nonresident license holder is in good standing with their home state's CE requirements. Official state board arrow_outward |
| Montana | assignment_turned_in Endorsement | Montana offers reciprocity with all other states for nonresident applicants who hold a valid license in their home state and are in good standing, provided the home state offers similar reciprocity to Montana residents. Nonresident producers satisfy Montana's CE requirements by meeting their home state's CE requirements, if the home state recognizes Montana's CE satisfaction on the same basis. Official state board arrow_outward |
| Nebraska | assignment_turned_in Endorsement | All states Official state board arrow_outward |
| Nevada | assignment_turned_in Endorsement | All states Official state board arrow_outward |
| New Hampshire | assignment_turned_in Endorsement | New Hampshire has reciprocity agreements with all other states for equivalent lines of authority, meaning no additional exam is required if you hold an active license in good standing in your home state. Official state board arrow_outward |
| New Jersey | assignment_turned_in Endorsement | New Jersey has reciprocity agreements with all other states for equivalent lines of authority, provided the nonresident applicant is in good standing in their home state. Official state board arrow_outward |
| New Mexico | assignment_turned_in Endorsement | New Mexico offers reciprocity for non-resident licenses, generally waiving the exam requirement if the applicant holds an active license in good standing in their home state for the same lines of authority. Official state board arrow_outward |
| New York | assignment_turned_in Endorsement | New York has reciprocity with most states, allowing non-resident applicants with an active, equivalent license in good standing in their home state to be exempt from pre-licensing education and examination. Official state board arrow_outward |
| North Carolina | assignment_turned_in Endorsement | North Carolina grants reciprocity if the person is currently licensed and in good standing in their home state, has submitted the required application and fees, and their home state awards nonresident producer licenses to North Carolina residents on a reciprocal basis. Non-resident applicants with a valid license from their home state are not required to pass the North Carolina exam if applying within 90 days of their previous home state license cancellation. Official state board arrow_outward |
| North Dakota | assignment_turned_in Endorsement | North Dakota offers reciprocity for insurance producer licenses, meaning that if an applicant is licensed in another state, they may be eligible for a North Dakota license without taking the exam, provided their home state's requirements are similar. Non-resident applicants must have their home state supply a certificate showing the lines for which they are licensed and eligible. North Dakota does not license insurance adjusters and therefore does not offer reciprocity for adjuster licenses. Official state board arrow_outward |
| Ohio | assignment_turned_in Endorsement | Ohio has reciprocity with most states for the same lines of authority, provided the home state license is active and in good standing. Official state board arrow_outward |
| Oklahoma | assignment_turned_in Endorsement | Oklahoma grants reciprocity to non-resident applicants with a valid license in good standing from their home state, provided the home state awards non-resident licenses to Oklahoma residents on the same basis. Official state board arrow_outward |
| Oregon | assignment_turned_in Endorsement | Oregon has reciprocity with most states, allowing licensed non-residents in good standing to obtain an Oregon license for the same lines of authority. Non-residents apply through NIPR. Residents moving to Oregon may be exempt from pre-license education and exam if applying within 90 days of establishing residency and surrendering their previous resident license. Official state board arrow_outward |
| Pennsylvania | assignment_turned_in Endorsement | Pennsylvania participates in reciprocal licensing agreements for agents licensed in other states, allowing them to obtain a PA license without retaking exams or completing additional education, provided they hold an active license in their home state with equivalent lines of authority and a clean record. Official state board arrow_outward |
| Rhode Island | assignment_turned_in Endorsement | Rhode Island has reciprocity agreements with all other states for insurance producers, provided the applicant holds an active resident license in good standing in their home state and applies for the same lines of authority. Official state board arrow_outward |
| South Carolina | assignment_turned_in Endorsement | South Carolina may enter into reciprocal agreements with other states for nonresident broker licensing, provided the other state's licensing requirements are as liberal as South Carolina's. Non-resident producers are generally exempt from South Carolina CE requirements if they meet their home state's CE requirements and are in good standing. Official state board arrow_outward |
| South Dakota | assignment_turned_in Endorsement | South Dakota has reciprocity agreements with all other states for non-resident licenses, provided the individual holds a resident license in good standing in their home state and their home state offers equal reciprocity. Official state board arrow_outward |
| Tennessee | assignment_turned_in Endorsement | Tennessee has reciprocity agreements with all other states, meaning that if an applicant holds a valid license in their home state, Tennessee will waive examination requirements for a non-resident license, provided the home state offers the same to Tennessee residents. However, some sources indicate specific reciprocal states as California, Louisiana, Michigan, Mississippi, and Texas, while others state all other states. Official state board arrow_outward |
| Texas | assignment_turned_in Endorsement | Texas offers reciprocity for non-resident applicants who hold an active license in good standing in their resident state with comparable license authority. Non-residents from states that do not license adjusters can designate Texas as their home state to gain reciprocity benefits. Texas has waived fingerprint requirements for non-residents. Official state board arrow_outward |
| Utah | assignment_turned_in Endorsement | Utah generally has reciprocity with other states for non-resident licenses, provided the applicant's home state license is in good standing. For adjusters, if the resident state does not license adjusters, Utah will issue a license if the applicant holds a Designated Home State (DHS) license in another state or passes the Utah exam and fingerprint requirement and chooses Utah as their DHS. Alaska and Arizona do not accept DHS licenses from Utah. Official state board arrow_outward |
| Vermont | assignment_turned_in Endorsement | Vermont has reciprocity agreements with all other states for insurance producers, provided the individual holds an equivalent license in good standing in their home state. Official state board arrow_outward |
| Virginia | assignment_turned_in Endorsement | Virginia offers reciprocity with other states for non-resident licenses, provided the applicant is in good standing in their home state and their home state offers similar reciprocity to Virginia residents. Non-resident adjusters are exempt from Virginia licensing, but may need a Designated Home State (DHS) license for reciprocity in other states. Official state board arrow_outward |
| Washington | assignment_turned_in Endorsement | Washington has reciprocity with most states, issuing non-resident licenses to applicants compliant with their resident state's requirements. The exam can be waived for residents moving to Washington if they apply within 90 days of canceling their previous home state license and meet other criteria. Official state board arrow_outward |
| West Virginia | assignment_turned_in Endorsement | West Virginia offers reciprocity to non-resident applicants with a valid license from their home state, provided the home state awards non-resident licenses to West Virginia residents on the same basis. This waives pre-licensing education and examination requirements if a Letter of Clearance is provided within 90 days, or if the previous license cancellation was within 90 days and verified through the producer database. Official state board arrow_outward |
| Wisconsin | assignment_turned_in Endorsement | Wisconsin offers reciprocity, allowing licensed agents from other states to obtain a Wisconsin license without re-taking the exam, provided their home state license is in good standing and they apply for the same lines of authority. Non-resident agents are generally exempt from Wisconsin's CE requirements if they meet their home state's CE requirements, with exceptions for certain products like long-term care insurance. Official state board arrow_outward |
| Wyoming | assignment_turned_in Endorsement | Wyoming offers reciprocity to non-resident applicants with a valid license from their home state, provided the home state offers reciprocity to Wyoming residents and the application is for the same line of authority. Non-resident adjusters not licensed in their home state or an approved Designated Home State must pass the Wyoming exam. Official state board arrow_outward |
Insurance Agent reciprocity: common questions
Does an insurance agent license transfer to another state?
Insurance Agent licenses are broadly portable across the US — 50 of the 50 states and DC offer direct recognition or licensure by endorsement, though endorsement can still come with state-specific requirements such as a law exam. It depends on the destination state — see the state-by-state table above.
Which states license out-of-state insurance agents by endorsement?
49 states and DC issue a new license by endorsement — an application, fees and verification of your current credential, typically without retaking the main exam: Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Confirm with the destination state's board before you move — rules change.
Which states make insurance agents take an exam to transfer?
1 states require a state exam or state-specific training before licensing an out-of-state insurance agent: California. Confirm with the destination state's board before you move — rules change.
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How this was compiled · Last updated 2026-10-15
Reciprocity tiers and summaries are compiled from each state's licensing board and department of professional regulation — linked per row above — and reviewed against public board guidance. Licensing rules change frequently and often depend on your license class (for example journeyman vs. master) and the specific states involved. Always confirm current requirements directly with the destination state's board before making a career or relocation decision. This page is informational and is not legal or licensing advice.
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