How to Get an Insurance Agent License in Massachusetts
Last updated: March 1, 2026
Quick Facts
Education
20 hrs
Total Cost
$500
Governing Body
Massachusetts Division of Insurance (DOI)
Massachusetts is a high-value market centered on Boston and its surrounding suburbs, making it an excellent place to start a career as a insurance agent. Licensing in Massachusetts is overseen by the Massachusetts Division of Insurance (DOI). The process requires 20 hours of pre-license education and costs between $350 and $650 in total. You'll need to pass the Massachusetts Insurance Producer Exam (administered by PSI) with a score of at least 70% on each section.
Massachusetts requires just 20 hours of pre-license education — one of the lowest requirements in the nation. This is close to the national average of 22 hours. The total cost is relatively affordable at $350 to $650, including education, application, and exam fees. Most aspiring insurance agents complete the entire process in 4-8 weeks, depending on how quickly they move through the coursework and exam preparation.
MassachusettsInsurance Agent License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 20 hours |
| Degree Required | No |
| Exam Required | Yes — Massachusetts Insurance Producer Exam |
| Passing Score | 70% on each section |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $100 |
| Exam Fee | $55 |
| Governing Body | Massachusetts Division of Insurance (DOI) |
| License Reciprocity | Full |
Reciprocity:Massachusetts participates in NIPR reciprocity for non-resident producers.
Steps to Get Your Insurance Agent License in Massachusetts
- 1
Complete 20 Hours of Pre-License Education
20 hours of pre-license education per line of authority Most providers offer online self-study options.
Time: 2-4 weeks Cost: $275 - 2
Pass the Massachusetts Insurance Producer Exam
Schedule and pass the insurance licensing exam administered by PSI. You must score at least 70% on each section to pass.
Time: 1-2 weeks to schedule and take Cost: $55 - 3
Submit Your License Application
Apply through the Massachusetts Division of Insurance (DOI) or via NIPR (National Insurance Producer Registry). You'll need to pass a background check and pay the application fee of $100.
Time: 1-4 weeks for processing Cost: $100 - 4
Get Appointed by an Insurance Carrier
To sell insurance, you must be appointed by at least one insurance carrier. Research captive and independent agent opportunities in Massachusetts.
Time: 1-2 weeks - 5
Start Selling Insurance
Once licensed and appointed, you can legally sell insurance in Massachusetts. Consider joining professional associations for networking and continuing education opportunities.
Time: Immediate once appointed
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View Kaplan Courses →Key Things to Know
- Education requirement: 20 hours of pre-license education per line of authority. Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The Massachusetts Insurance Producer Exam is administered by PSI. You'll need to score at least 70% on each section to pass. Study materials and practice exams are available from most education providers.
- Already licensed in another state? Massachusetts participates in NIPR reciprocity for non-resident producers.
- Background check required: Massachusetts requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Massachusetts accepts online applications, which can speed up processing time.
- Ongoing requirements: Once licensed, you'll need 24 hours of continuing education every 2 years. 24 hours of continuing education every 2 years including 3 hours of ethics.
How Massachusetts Compares
Massachusetts requires 20 hours of pre-license education for insurance agents. This is close to the national average of 22 hours. The average total cost in Massachusetts is around $500, compared to the national average of $408.
How Much Does a Insurance Agent License Cost in Massachusetts?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $100 |
| Exam Fee | $55 |
| Total Estimated Cost | $350 - $650 |
License Renewal
- Renewal Period: Every 2 years
- Continuing Education:24 hours
- CE Details:24 hours of continuing education every 2 years including 3 hours of ethics
- Renewal Fee: $100
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 Massachusetts Division of Insurance (DOI) website for a list of approved providers.
- Don't rush the exam: With only 20 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.
- Choose your lines of authority wisely: Most states let you specialize in Property & Casualty, Life & Health, or both. Starting with one line keeps costs lower and lets you focus your study time.
- Line up carrier appointments early: You'll need to be appointed by at least one insurance carrier to sell policies. Research captive vs. independent agent models — independent agents can offer more products but need more appointments.
- Budget approximately $650 for your Massachusetts license: This includes $100 in application fees, $55 for the exam, and education costs. Once licensed, plan for $100 in renewal fees every 2 years.
Frequently Asked Questions
How long does it take to get a insurance agent license in Massachusetts?
Most people complete the process in 2-4 weeks total. The pre-license education (20 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 Massachusetts?
The total cost ranges from $350 to $650, including pre-license education, the application fee ($100), and the exam fee ($55).
Can I get a Massachusetts insurance agent license with a criminal record?
The Massachusetts Division of Insurance (DOI) 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 Massachusetts Division of Insurance (DOI) for guidance before applying.
Do I need a college degree to become a insurance agent in Massachusetts?
No. Massachusetts does not require a college degree. You only need to complete the 20 hours of approved pre-license courses.
Can I take the pre-license courses online in Massachusetts?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Massachusetts Division of Insurance (DOI) website for a list of approved providers.
Sources
Professional Associations & Resources
Connect with these national organizations for career resources, networking, and continuing education.
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