map Professional 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 often still requires a state-specific law or business exam. Each row below links to the state's official licensing board and lists the specific reciprocal states where we have them.

assignment_turned_in 50 via endorsement edit_note 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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Unclear

State policy ambiguous or silent. Contact licensing board.

All 50 states + DC

Each row links to the full insurance agent profile for that state — exam costs, application fees, licensing board contact, and the source language behind the tier classification.

State	Reciprocity tier	Summary	Detail
Alabama	assignment_turned_in Endorsement	Alabama reciprocates with most states for non-resident licenses, waiving exams, except for some adjuster applicants. Reciprocal states: 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	Full page arrow_outward
Alaska	assignment_turned_in Endorsement	Alaska reciprocates with all states for non-resident licenses; exam waived for new residents. Reciprocal states: 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	Full page arrow_outward
Arizona	assignment_turned_in Endorsement	Arizona reciprocates with most states for non-resident licenses; new residents may be exam-exempt. Reciprocal states: 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	Full page arrow_outward
Arkansas	assignment_turned_in Endorsement	Arkansas reciprocates with all states, waiving education and exam requirements for non-residents. Reciprocal states: 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	Full page arrow_outward
California	edit_note Exam required	California offers non-resident reciprocity, but requires a state ethics course; all adjusters must pass an exam. Reciprocal states: 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	Full page arrow_outward
Colorado	assignment_turned_in Endorsement	Colorado reciprocates with most states, exempting non-residents from education and state exam. Reciprocal states: 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	Full page arrow_outward
Connecticut	assignment_turned_in Endorsement	Connecticut reciprocates with most states for non-resident licenses if the applicant holds an active license. Reciprocal states: 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	Full page arrow_outward
Delaware	assignment_turned_in Endorsement	Delaware reciprocates with all states for non-resident licenses, waiving exam requirements. Reciprocal states: 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	Full page arrow_outward
District of Columbia	assignment_turned_in Endorsement	DC licenses non-resident applicants through reciprocity if licensed and in good standing. Reciprocal states: Non-resident applicants licensed and in good standing in their resident state can be licensed through reciprocity. Official state board arrow_outward	Full page arrow_outward
Florida	assignment_turned_in Endorsement	Florida reciprocates with all US states/territories and some international for equivalent, active licenses. Reciprocal states: 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	Full page arrow_outward
Georgia	assignment_turned_in Endorsement	Georgia reciprocates with all states for non-resident licenses if active and in good standing. Reciprocal states: All states (for the same lines of authority) if the resident license is active and in good standing. Official state board arrow_outward	Full page arrow_outward
Hawaii	assignment_turned_in Endorsement	Hawaii reciprocates with all states for equivalent lines, requiring no additional exams for non-residents. Reciprocal states: 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	Full page arrow_outward
Idaho	assignment_turned_in Endorsement	Idaho offers reciprocity with all states for non-resident licenses in good standing. Reciprocal states: 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	Full page arrow_outward
Illinois	assignment_turned_in Endorsement	Illinois offers reciprocity, exempting licensed non-residents from pre-licensing education and examination. Reciprocal states: 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	Full page arrow_outward
Indiana	assignment_turned_in Endorsement	Indiana reciprocates with most states, exempting non-residents from education and examination requirements. Reciprocal states: 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	Full page arrow_outward
Iowa	assignment_turned_in Endorsement	Iowa reciprocates with all states for non-resident licenses in good standing. Reciprocal states: 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	Full page arrow_outward
Kansas	assignment_turned_in Endorsement	Kansas grants reciprocity to non-resident producers; resident license instructions provided upon request. Reciprocal states: 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	Full page arrow_outward
Kentucky	assignment_turned_in Endorsement	Kentucky offers reciprocity for insurance agents from all other states. Reciprocal states: All states Official state board arrow_outward	Full page arrow_outward
Louisiana	assignment_turned_in Endorsement	Louisiana reciprocates with most states, allowing non-residents to obtain a license without retaking the exam. Reciprocal states: 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	Full page arrow_outward
Maine	assignment_turned_in Endorsement	Maine offers reciprocity for insurance agents from all other states. Reciprocal states: All other states Official state board arrow_outward	Full page arrow_outward
Maryland	assignment_turned_in Endorsement	Maryland offers reciprocity to non-residents if their home state licenses Maryland residents similarly. Reciprocal states: 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	Full page arrow_outward
Massachusetts	assignment_turned_in Endorsement	Massachusetts has reciprocity with all states for insurance agents. Reciprocal states: All states Official state board arrow_outward	Full page arrow_outward
Michigan	assignment_turned_in Endorsement	Michigan offers reciprocity with all states, waiving exams for licensed producers in good standing. Reciprocal states: 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	Full page arrow_outward
Minnesota	assignment_turned_in Endorsement	Minnesota has reciprocity with all states for insurance agents. Reciprocal states: All states Official state board arrow_outward	Full page arrow_outward
Mississippi	assignment_turned_in Endorsement	Mississippi offers reciprocity with all states for non-resident licenses, requiring good standing and mutual reciprocity. Reciprocal states: 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	Full page arrow_outward
Missouri	assignment_turned_in Endorsement	Missouri has reciprocity with all states for producers in good standing with home state CE. Reciprocal states: 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	Full page arrow_outward
Montana	assignment_turned_in Endorsement	Montana offers reciprocity with all states for non-residents in good standing, with mutual recognition. Reciprocal states: 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	Full page arrow_outward
Nebraska	assignment_turned_in Endorsement	Nebraska has reciprocity with all states for insurance agents. Reciprocal states: All states Official state board arrow_outward	Full page arrow_outward
Nevada	assignment_turned_in Endorsement	Nevada has reciprocity with all states for insurance agents. Reciprocal states: All states Official state board arrow_outward	Full page arrow_outward
New Hampshire	assignment_turned_in Endorsement	New Hampshire has reciprocity with all states, waiving exams for active licensees in good standing. Reciprocal states: 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	Full page arrow_outward
New Jersey	assignment_turned_in Endorsement	New Jersey has reciprocity with all states for non-residents in good standing. Reciprocal states: 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	Full page arrow_outward
New Mexico	assignment_turned_in Endorsement	New Mexico generally waives exam requirements for non-residents with active licenses in good standing. Reciprocal states: 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	Full page arrow_outward
New York	assignment_turned_in Endorsement	New York offers reciprocity with most states, exempting non-residents from education and exams. Reciprocal states: 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	Full page arrow_outward
North Carolina	assignment_turned_in Endorsement	North Carolina grants reciprocity, waiving exams for non-residents with good standing and mutual reciprocity. Reciprocal states: 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	Full page arrow_outward
North Dakota	assignment_turned_in Endorsement	North Dakota offers reciprocity for producers, waiving exams if home state requirements are similar. Reciprocal states: 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	Full page arrow_outward
Ohio	assignment_turned_in Endorsement	Ohio has reciprocity with most states for active licensees in good standing. Reciprocal states: 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	Full page arrow_outward
Oklahoma	assignment_turned_in Endorsement	Oklahoma grants reciprocity to non-residents with valid licenses and mutual reciprocity. Reciprocal states: 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	Full page arrow_outward
Oregon	assignment_turned_in Endorsement	Oregon offers reciprocity with most states, waiving exams for licensed non-residents in good standing. Reciprocal states: 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	Full page arrow_outward
Pennsylvania	assignment_turned_in Endorsement	Pennsylvania offers reciprocity, waiving exams and education for active licensees with a clean record. Reciprocal states: 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	Full page arrow_outward
Rhode Island	assignment_turned_in Endorsement	Rhode Island has reciprocity with all states for producers with active licenses in good standing. Reciprocal states: 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	Full page arrow_outward
South Carolina	assignment_turned_in Endorsement	South Carolina may offer reciprocity for non-resident brokers if home state requirements are similar. Reciprocal states: 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	Full page arrow_outward
South Dakota	assignment_turned_in Endorsement	South Dakota has reciprocity with all states for non-residents with good standing and equal reciprocity. Reciprocal states: 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	Full page arrow_outward
Tennessee	assignment_turned_in Endorsement	Tennessee waives exam requirements for non-residents, but the scope of states is unclear. Reciprocal states: 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	Full page arrow_outward
Texas	assignment_turned_in Endorsement	Texas offers reciprocity for non-residents with active licenses in good standing. Reciprocal states: 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	Full page arrow_outward
Utah	assignment_turned_in Endorsement	Utah generally offers reciprocity for non-resident licenses if the home state license is in good standing. Reciprocal states: 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	Full page arrow_outward
Vermont	assignment_turned_in Endorsement	Vermont has reciprocity with all states for producers with equivalent licenses in good standing. Reciprocal states: 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	Full page arrow_outward
Virginia	assignment_turned_in Endorsement	Virginia offers reciprocity for non-resident licenses if in good standing and with mutual reciprocity. Reciprocal states: 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	Full page arrow_outward
Washington	assignment_turned_in Endorsement	Washington offers reciprocity with most states, waiving exams for compliant non-residents and new residents. Reciprocal states: 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	Full page arrow_outward
West Virginia	assignment_turned_in Endorsement	West Virginia waives education and exam for non-residents with valid licenses and mutual reciprocity. Reciprocal states: 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	Full page arrow_outward
Wisconsin	assignment_turned_in Endorsement	Wisconsin offers reciprocity, waiving exams for licensed agents in good standing. Reciprocal states: 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	Full page arrow_outward
Wyoming	assignment_turned_in Endorsement	Wyoming offers reciprocity for non-residents with valid licenses and mutual reciprocity. Reciprocal states: 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	Full page arrow_outward

verified_user How this was compiled · Last updated 2026-07-21

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.

Other profession reciprocity guides

Each profession has its own state-by-state reciprocity matrix.

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