How to Get a Insurance Adjuster License in Montana
Last updated: March 2, 2026
Montana is a growing market driven by lifestyle migration and outdoor recreation, making it an excellent place to start a career as a insurance adjuster. Licensing in Montana is overseen by the Montana Commissioner of Securities and Insurance. The process requires 16 hours of pre-license education and costs between $500 and $900 in total. You'll need to pass the Montana Insurance Adjuster Exam (administered by Montana Commissioner of Securities and Insurance) with a score of at least 70%.
Montana requires just 16 hours of pre-license education — one of the lowest requirements in the nation. This is close to the national average of 17 hours. The total cost is relatively affordable at $500 to $900, including education, application, and exam fees. Most aspiring insurance adjusters complete the entire process in 4-8 weeks, depending on how quickly they move through the coursework and exam preparation.
Montana Insurance Adjuster License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 16 hours |
| Degree Required | No |
| Exam Required | Yes — Montana Insurance Adjuster Exam |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $50 |
| Exam Fee | $42 |
| Governing Body | Montana Commissioner of Securities and Insurance |
| License Reciprocity | Partial |
Reciprocity:
Steps to Get Your Insurance Adjuster License in Montana
- 1
Complete 16 Hours of Pre-License Education
Time: 2-4 weeks Cost: $350 - 2
Pass the Montana Insurance Adjuster Exam
Register and pass the adjuster licensing exam administered by PSI or Prometric. The exam fee is $42.
Time: 2-4 weeks Cost: $42 - 3
Apply for Your Adjuster License
Submit your application to the Montana Commissioner of Securities and Insurance. Include exam results, fingerprints for background check, and the application fee of $50.
Time: 2-6 weeks Cost: $50 - 4
Choose Your Adjuster Type
Decide whether to work as a staff adjuster (employee of an insurance company), independent adjuster (contractor for multiple carriers), or public adjuster (representing policyholders). Each path has different licensing, earning potential, and work style.
Time: Varies - 5
Begin Adjusting Claims
Once licensed, you can adjust insurance claims in Montana. Join an independent adjusting firm (Pilot, Crawford, Sedgwick) or apply directly to insurance carriers. Storm season is the busiest time for new adjusters.
Time: Immediate once licensed
Key Things to Know
- Education requirement: . Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The Montana Insurance Adjuster Exam is administered by Montana Commissioner of Securities and Insurance. You'll need to score at least 70% to pass. Study materials and practice exams are available from most education providers.
- Background check required: Montana requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Montana accepts online applications, which can speed up processing time.
- Ongoing requirements: Once licensed, you'll need 24 hours of continuing education every 2 years. .
How Montana Compares
Montana requires 16 hours of pre-license education for insurance adjusters. This is close to the national average of 17 hours. The average total cost in Montana is around $700, compared to the national average of $718.
How Much Does a Insurance Adjuster License Cost in Montana?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $50 |
| Exam Fee | $42 |
| Total Estimated Cost | $500 - $900 |
License Renewal
- Renewal Period: Every 2 years
- Continuing Education: 24 hours
- CE Details:
- Renewal Fee: $50
Tips for Success
- Choose your education provider carefully: Compare prices, format (online vs. in-person), and reviews. Some providers offer exam prep materials bundled with the course, which can save you money. Check the Montana Commissioner of Securities and Insurance website for a list of approved providers.
- Don't rush the exam: With only 16 hours required, you can complete the education portion quickly — some providers offer accelerated programs that finish in 2-3 weeks. Use practice exams to identify weak areas before scheduling your test date.
- Learn Xactimate before applying: Xactimate is the industry-standard software for property claims estimating. Completing a Xactimate certification course before you get licensed makes you immediately hireable by adjusting firms.
- Get licensed in multiple states for storm work: Independent adjusters who deploy to catastrophe areas (hurricanes, tornadoes, hail) can earn $30,000-$50,000+ during a single storm season. Apply for licenses in hurricane-prone states (FL, TX, LA, NC, SC) through reciprocity to maximize opportunities.
- Budget approximately $900 for your Montana license: This includes $50 in application fees, $42 for the exam, and education costs. Once licensed, plan for $50 in renewal fees every 2 years.
Frequently Asked Questions
How long does it take to get a insurance adjuster license in Montana?
Most people complete the process in 2-4 weeks total. The pre-license education (16 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a insurance adjuster license in Montana?
The total cost ranges from $500 to $900, including pre-license education, the application fee ($50), and the exam fee ($42).
Can I get a Montana insurance adjuster license with a criminal record?
The Montana Commissioner of Securities and Insurance evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Montana Commissioner of Securities and Insurance for guidance before applying.
Do I need a college degree to become a insurance adjuster in Montana?
No. Montana does not require a college degree. You only need to complete the 16 hours of approved pre-license courses.
Can I take the pre-license courses online in Montana?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Montana Commissioner of Securities and Insurance website for a list of approved providers.
Sources
- Official website: Montana Commissioner of Securities and Insurance