How to Get an Insurance Agent License in Virginia
Last updated: March 1, 2026
Quick Facts
Education
24 hrs
Total Cost
$450
Governing Body
Virginia Bureau of Insurance (BOI)
Virginia is a strong market boosted by the Washington DC metro area and military installations, making it an excellent place to start a career as a insurance agent. Licensing in Virginia is overseen by the Virginia Bureau of Insurance (BOI). The process requires 24 hours of pre-license education and costs between $300 and $600 in total. You'll need to pass the Virginia Insurance Agent Exam (administered by PSI) with a score of at least 70% on each section.
Virginia requires just 24 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 $300 to $600, 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.
VirginiaInsurance Agent License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 24 hours |
| Degree Required | No |
| Exam Required | Yes — Virginia Insurance Agent Exam |
| Passing Score | 70% on each section |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $50 |
| Exam Fee | $55 |
| Governing Body | Virginia Bureau of Insurance (BOI) |
| License Reciprocity | Full |
Reciprocity:Virginia participates in NIPR reciprocity for non-resident producers.
Steps to Get Your Insurance Agent License in Virginia
- 1
Complete 24 Hours of Pre-License Education
24 hours of pre-license education per line of authority. Must include Virginia insurance law. Most providers offer online self-study options.
Time: 2-4 weeks Cost: $275 - 2
Pass the Virginia Insurance Agent 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 Virginia Bureau of Insurance (BOI) or via NIPR (National Insurance Producer Registry). You'll need to pass a background check and pay the application fee of $50.
Time: 1-4 weeks for processing Cost: $50 - 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 Virginia.
Time: 1-2 weeks - 5
Start Selling Insurance
Once licensed and appointed, you can legally sell insurance in Virginia. Consider joining professional associations for networking and continuing education opportunities.
Time: Immediate once appointed
Recommended Courses
Kaplan
Pre-license education and exam prep across real estate, insurance, financial services, and more.
Trusted name in professional education
View Kaplan Courses →Key Things to Know
- Education requirement: 24 hours of pre-license education per line of authority. Must include Virginia insurance law.. Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The Virginia Insurance Agent 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? Virginia participates in NIPR reciprocity for non-resident producers.
- Background check required: Virginia requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Virginia 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 Virginia Compares
Virginia requires 24 hours of pre-license education for insurance agents. This is close to the national average of 22 hours. The average total cost in Virginia is around $450, compared to the national average of $408.
How Much Does a Insurance Agent License Cost in Virginia?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $50 |
| Exam Fee | $55 |
| Total Estimated Cost | $300 - $600 |
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: $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 Virginia Bureau of Insurance (BOI) website for a list of approved providers.
- Don't rush the exam: With only 24 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 $600 for your Virginia license: This includes $50 in application fees, $55 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 agent license in Virginia?
Most people complete the process in 2-4 weeks total. The pre-license education (24 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 Virginia?
The total cost ranges from $300 to $600, including pre-license education, the application fee ($50), and the exam fee ($55).
Can I get a Virginia insurance agent license with a criminal record?
The Virginia Bureau of Insurance (BOI) 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 Virginia Bureau of Insurance (BOI) for guidance before applying.
Do I need a college degree to become a insurance agent in Virginia?
No. Virginia does not require a college degree. You only need to complete the 24 hours of approved pre-license courses.
Can I take the pre-license courses online in Virginia?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Virginia Bureau of Insurance (BOI) website for a list of approved providers.
Sources
Professional Associations & Resources
Connect with these national organizations for career resources, networking, and continuing education.
Insurance Agent in Other States
From Our Blog
10 Easiest Professional Licenses to Get in 2026
The 10 easiest professional licenses to earn in 2026, ranked by education hours and total cost. Find quick-start careers with minimal barriers.
Best ROI Professional Licenses: Low Cost, High Salary
The best return-on-investment professional licenses ranked by salary-to-cost ratio. Find licenses that cost little but pay big.
Cheapest States for Professional Licensing (2026)
Which states have the lowest professional licensing costs? We ranked all 50 states by average licensing cost across 49 professions.