Virginia Insurance License Fees: Every Cost From Exam to Approval

Virginia's insurance licensing fees are among the lowest in the country — but "low fees" does not mean "simple fees." The cost structure involves multiple vendors, multiple per-line charges, and a series of timing-related risks that can turn one exam fee into three. Candidates who understand every cost before they start avoid surprises. This post covers every fee in the Virginia insurance licensing process, from exam registration through license approval, including renewal and late fees.

Complete Fee Table

Exam Fees

The Prometric exam fee is $35 per exam, regardless of which line you are testing for. This fee must be paid at the time of reservation — by MasterCard, Visa, money order, company check, or cashier's check. Personal checks are not accepted. The fee is non-refundable.

If you need to retake the exam, you pay another $35. There is no discount for retakes and no cap on the number of attempts. After failing the same exam three times, Virginia requires a 30-day waiting period — but the fee structure does not change. A candidate who fails three times before passing pays $140 in total exam fees for a single line.

Rescheduling: You can reschedule without penalty if you do so before the cutoff (generally 24 hours before the exam). Rescheduling after the cutoff or failing to appear forfeits the exam fee entirely.

Fingerprinting Fee

The Fieldprint Virginia fingerprinting fee is $34.95, paid at the time of scheduling at fieldprintvirginia.com. This fee is bundled and covers both the Virginia State Police criminal history check and the FBI national check. There is no additional charge from the Virginia State Police or FBI.

The fingerprinting fee is charged again if:

Your fingerprints are more than 90 days old when you apply

You are applying for a different license type than you currently hold

A new background check is required for any other reason

Application Fee

The Virginia Bureau of Insurance charges $15 per line of authority as a non-refundable application processing fee. This is sometimes called the "per qualification" fee.

Per-line examples:

Life & Annuities only: $15

Health only: $15

Life, Annuities & Health (three separate qualifications): $45

Property & Casualty (two separate lines): $30

Life, Annuities, Health, Property, and Casualty (five lines): $75

Always check the specific NIPR or Sircon application interface to confirm exactly how combined exam results translate to individual line charges before submitting.

NIPR/Sircon Processing Fee

Both NIPR and Sircon charge a platform transaction fee of $5.60 per application submission. This fee is charged by the platform, not by the Bureau of Insurance. It applies per submission session, not per line — if you apply for five lines in one session, you pay one $5.60 transaction fee, not five.

Renewal Fees

Virginia insurance licenses renew biennially. The renewal deadline is November 30 on even years for all Virginia producers. The renewal is tied to your birth year's odd/even cycle — producers born in even years renew on November 30 of even years; producers born in odd years also renew November 30 of even years (Virginia simplified to a single statewide renewal date rather than birthday-based individual deadlines). Confirm your specific renewal date with the Bureau, as individual records may vary.

Virginia has no renewal grace period. If you do not complete your CE requirements and submit renewal before the November 30 deadline, your license is administratively terminated. You have up to one year after expiration to reinstate (paying the $30 late fee and $20 reinstatement fee per line plus the standard $10 renewal fee), but you must also be CE-compliant first.

What Fees Can Multiply

Several cost items are structured per-line rather than per-application, meaning candidates with multiple lines of authority pay more:

The $15 application fee per line: a dual-line applicant pays $30; a five-line applicant pays $75

The $10 renewal fee per line: renewing five lines costs $50 plus NIPR processing

The $30 late fee per line: missing the renewal deadline on five lines costs $150 in late fees alone

The $20 reinstatement fee per line: reinstating five expired lines costs $100 in reinstatement fees alone

Candidates who hold multiple lines — which is common in Virginia, where many producers hold both a Life & Annuities + Health combined license and a Property & Casualty license — should budget the full per-line cost at every stage.

Total Cost by License Type

Frequently Asked Questions

Why is the Virginia insurance license application fee charged per line of authority rather than per application?

Virginia's fee structure reflects the administrative cost of reviewing each line of authority separately. The Bureau of Insurance issues separate license qualifications for Life and Annuities, Health, Property, Casualty, and Personal Lines — each is a distinct authorization with its own CE requirements, continuing education categories, and regulatory oversight. The $15 per-line fee is among the lowest application fees in the country for insurance licensing. By comparison, New Jersey charges $170 for a two-year license. Virginia's per-line fee structure means that candidates applying for one or two lines pay very little — $15 to $30 — while candidates applying for five lines pay $75. The per-transaction NIPR/Sircon processing fee ($5.60) applies once per submission, not per line.

Are any of the Virginia insurance licensing fees refundable?

Almost none. The $15 Bureau of Insurance application fee is explicitly non-refundable. The $35 Prometric exam fee is non-refundable once the exam has been administered or the rescheduling deadline has passed. The Fieldprint fingerprinting fee is non-refundable. The NIPR/Sircon processing fee is non-refundable. The only scenario where the exam fee is not forfeited is if you reschedule before the cutoff (typically 24 hours before the scheduled exam) or if Prometric cancels the exam due to weather or emergency. Budget for these fees as committed costs from the moment you schedule, not as deposits that may be recovered.

Does Virginia charge differently for in-person versus remote Prometric exams?

No. The $35 exam fee applies to both in-person and remotely proctored (ProProctor) exams. There is no surcharge for choosing remote testing and no discount for testing at a physical center. The choice between in-person and remote is entirely based on your personal preference and technical capability — a ProProctor exam requires a compatible computer, webcam, and reliable internet connection. If your computer is not compatible with the ProProctor platform, you must test in person. Both formats deliver the same exam content, the same passing standard, and the same score report.

What is the total estimated cost to get a Virginia P&C license alongside a Life, Annuities and Health license?

If you take both the Series 11-01 (Life, Annuities & Health) and Series 11-03 (P&C) exams and apply for all five lines of authority, your estimated total costs are: $35 × 2 exams = $70 in exam fees; $34.95 for fingerprinting (paid once for both applications); $75 in application fees (5 lines × $15); and $5.60 in NIPR/Sircon processing. Total without a prep course: approximately $186. If you add prep courses for both exam lines (typically $100–$150 per course), total cost runs approximately $386–$486. Virginia's low per-line fees make it economically accessible to get fully licensed across all major lines in one process.

What happens to the license fee if my application is denied?

If the Bureau of Insurance denies your application — due to background issues, documentation deficiencies, or misrepresentation — the $15 application fee per line is non-refundable. The $35 exam fee is also not recovered. The Fieldprint fee is not recovered. In practice, the Bureau typically contacts applicants with deficient applications to request additional documentation before making a final denial decision, giving applicants an opportunity to resolve documentation issues. The best protection against denied applications is full disclosure of any background issues from the start, complete documentation submitted with the initial application, and direct communication with AgentLicensing@scc.virginia.gov if you have uncertainty about your application.

Virginia's licensing fees are genuinely low relative to other states — but each fee is non-refundable, several multiply by line, and retakes add up quickly. Understand the full cost structure before you start and you will have no surprises from the day you schedule your Prometric exam through the day you print your license.

Visit JustInsurance to enroll today and prepare for your Virginia licensing exam with the course that sets you up to pass the first time.