Colorado License Requirements
Colorado Insurance License Requirements (2026)
Everything you need to know to get and keep your Colorado insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Colorado Insurance License Requirements at a Glance
Key facts for getting and maintaining your Colorado insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Colorado |
| Prelicensing Hours (Life) | 50 hours |
| Prelicensing Hours (Health) | 50 hours |
| Prelicensing Hours (Life & Health Combined) | 100 hours |
| Exam Provider | Pearson VUE |
| Exam Fee | $48 |
| Passing Score | 70% |
| Application Fee | $47 |
| Background Check Cost | $40 |
| Fingerprinting Required | No |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Colorado licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Colorado Insurance License
Follow these five steps to go from zero to licensed in Colorado.
Complete Prelicensing Education
Colorado requires you to complete 100 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Colorado Prelicensing Courses →Schedule and Pass the State Exam
The Colorado insurance licensing exam is administered by Pearson VUE. The exam fee is $48, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Not required
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $47. Processing typically takes 3-5 business days.
Apply for Your Colorado License →Get Appointed and Start Selling
Once your Colorado insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Colorado Division of Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Colorado Fingerprinting Requirements
Not required
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Colorado CE Renewal Requirements
To keep your Colorado insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Colorado licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
DOI
Regulatory Body
Colorado Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Colorado.
Insurance Code
Colorado Revised Statutes, Title 10 – InsuranceView Statute
Prelicensing Education
C.R.S. § 10-2-201; 3 CCR 702-1, Regulation 1-2-05, Section 7
Examination Requirements
Colo. Rev. Stat. 10-2-402(1)
Age Requirements
CRS § 10-2-404(1)(a)
Background Check
CRS Sec. 10-2-801 (denial grounds); no producer fingerprint statute
Fingerprinting
CDOI administrative requirement (no statute)
License Application
C.R.S. § 10-2-404(1)
CE Requirements
Colo. Rev. Stat. 10-2-301
CE Ethics
3 CCR 702-1, Reg 1-2-4-5, Sec 5.A
Administrative Code
3 CCR 702 - Division of InsuranceView Statute
Provider Regulation
3 CCR 702-1
Colorado Insurance License Requirements — FAQs
How long does it take to get a Colorado insurance license?
Most candidates complete the Colorado insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Colorado?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Colorado?
Not required
Can I transfer my insurance license from another state to Colorado?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam is required.
How much does a Colorado insurance license cost?
The total cost to get your Colorado insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($48), the state application fee ($47), and the background check cost ($40). Individual costs vary based on the line of authority you choose.
What are the Colorado CE requirements?
Colorado requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Colorado licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does Colorado have a combined Life and Health insurance exam?
No. Colorado does not offer a combined Life & Health insurance exam. You must pass separate exams for Life and for Accident & Health/Sickness with Pearson VUE. Each exam requires its own 50-hour prelicensing course, and you pay a separate exam fee for each. If you want both licenses, plan for two complete course and exam cycles.
What are the prelicensing hour requirements in Colorado?
Colorado requires 50 hours for Life, 50 hours for Health, and 100 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Colorado Insurance License?
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