How to Get an Insurance Agent License in Miami, Florida
Last updated: March 1, 2026
Quick Facts — Miami
Median Salary (National)
$59,080/yr
Education Required
40 hrs
Total Cost
$525
City Population
449,514
Insurance Agent licensing in Miami follows Florida's statewide requirements — the Florida Department of Financial Services (DFS) issues all insurance agent licenses regardless of which city you're in. You'll need to complete 40 hours of pre-license education , pass the Florida Insurance Agent Exam, and submit your application. The total cost ranges from $350 to $700. For the complete step-by-step process, see our Florida insurance agent license guide.
Florida Insurance Agent Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 40 hours |
| Degree Required | No |
| Exam Required | Yes — Florida Insurance Agent Exam |
| Passing Score | 70% overall |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $55 |
| Exam Fee | $55 |
| Governing Body | Florida Department of Financial Services (DFS) |
| License Reciprocity | Full |
These requirements apply statewide in Florida, including Miami and Miami-Dade County. See the full Florida guide for step-by-step instructions →
Working as an Insurance Agent in Miami
Miami (449,514 population) is a major city in Florida, located in Miami-Dade County. Insurance Agents in the Miami area serve a sizable local population, creating strong demand for licensed professionals.
The national median salary for insurance agents is $59,080 per year. Actual earnings in Miami may vary based on local cost of living, experience level, employer, and specialization.
Once licensed by the Florida Department of Financial Services (DFS), your Insurance Agent License is valid throughout Florida — you can work in Miami, Miami-Dade County, or any other location in the state without additional local licensing . Your license must be renewed every 2 years with 24 hours of continuing education at a cost of $55.
How Much Does It Cost?
Education/Training
$460
Exam Fee
$55
Application Fee
$55
Total Estimate
$350 – $700
Costs are the same across Florida — Miami residents pay the same state fees. Living expenses and school tuition may vary by location.
Frequently Asked Questions
How long does it take to get a insurance agent license in Florida?
Most people complete the process in 2-4 weeks total. The pre-license education (40 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 agent license in Florida?
The total cost ranges from $350 to $700, including pre-license education, the application fee ($55), and the exam fee ($55).
Can I get a Florida insurance agent license with a criminal record?
The Florida Department of Financial Services (DFS) 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 Florida Department of Financial Services (DFS) for guidance before applying.
Do I need a college degree to become a insurance agent in Florida?
No. Florida does not require a college degree. You only need to complete the 40 hours of approved pre-license courses.
Can I take the pre-license courses online in Florida?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Florida Department of Financial Services (DFS) website for a list of approved providers.
Complete Florida Insurance Agent License Guide
For detailed step-by-step instructions, exam prep tips, renewal information, and key considerations, see our comprehensive Florida guide.
Read Full Florida Guide →