Delaware License Cost
How Much Does It Cost to Get a Delaware Insurance License?
The estimated total cost to get your Delaware insurance license is $350-500 estimated total cost. Here's the full breakdown — prelicensing, exam, application, and fingerprint fees — plus how JustInsurance's $199 all-in prelicensing keeps you on the low end.
Delaware Insurance License Cost Breakdown
Every fee you'll pay between today and your active Delaware insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical DE Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $698.00 | $199 |
State exam fee (Pearson VUE) Paid directly to Pearson VUE; not refundable on a fail. | $90 | $90 |
License application fee (DDOI) Paid to the Delaware Department of Insurance via NIPR or sircon at submission. | $125 | $125 |
Fingerprinting / background check Fingerprinting required through IdentoGO (Code: 27S46Z) | $85 | $85 |
| Estimated Total (low–high) | $998 | $499 |
Estimates based on current published fees from the Delaware Department of Insurance, Pearson VUE, and the JustInsurance prelicensing catalog. Last verified March 2026. Individual costs may vary by line of authority, fingerprint provider, and county. Total cost range reported by the DDOI: $350-500 estimated total cost.
Why JustInsurance Costs Less in Delaware
Most Delaware prelicensing providers charge separately for practice exams, retake protection, and pass guarantees. We bundle all three into the $199 base price.
JustInsurance — All-Inclusive
$199 prelicensing
- ✓State-approved Delaware prelicensing course
- ✓Unlimited practice exam access
- ✓Pass guarantee — refund or rebook if you fail (terms apply)
- ✓Affirm financing (3, 6, or 12 months)
- ✓93% pass rate among compliant students
Typical Delaware Provider Stack
$300+ à la carte
- ·Base prelicensing course ($199–$299)
- ·Practice exams sold separately ($49–$99)
- ·Pass guarantee usually a paid upgrade
- ·Limited course-access window (often 30 days)
- ·No published pass rate
Estimated savings vs typical DE provider stack
$499
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Delaware Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Delaware insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Delaware insurance agent earning $66,100 per year and entry-level agents starting at $36,920, most new licensees earn back their full licensing cost within their first month of selling. The DDOI reports 1,000 licensed agents currently active in Delaware, with concentrations in Wilmington and Dover. Career advancement is also fast: experienced agents in Delaware earn between $59,910 and $78,290, and top producers pull in $107,490+ annually.
On the maintenance side, your Delaware license renews every 2 years (24 CE hours, 3 ethics) — that's another $39 every 2 years for a JustInsurance CE package, or roughly $10/course à la carte. Renewal deadline: Last day of birth month (every 2 years).
Hidden Costs to Watch in Delaware
- Exam retakes. The Pearson VUE Delaware exam fee ($90) is charged for every attempt. Retake rules: scheduling your next available test date with no mandatory waiting period. Failing twice can add $180+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Fingerprinting logistics. Fingerprinting required through IdentoGO (Code: 27S46Z) Travel time and any rescheduling fees are on you, not the state.
- Appointment fees. Once your Delaware license is issued, each insurance carrier you represent submits an appointment to the DDOI. Carriers typically cover the appointment fee, but a few pass it through to new producers — confirm before signing.
- Course-access expiration. JustInsurance gives you 30-day access to your prelicensing course; many competitors expire access after 30 days, forcing repurchase if your test-day slips. Certificate of completion validity in Delaware: N/A — PLE not required.
- CE non-compliance. Letting your Delaware CE lapse triggers reinstatement fees and (if the lapse runs long) re-examination — a multi-hundred-dollar mistake. Renew on time: Last day of birth month (every 2 years).
Delaware Insurance License Cost — FAQs
What is the total cost to get an insurance license in Delaware?
Plan for $998 all-in to get your Delaware insurance license. That covers prelicensing course, the $90 Pearson VUE exam fee, the $125 DDOI application fee, and the $85 background-check cost. Fingerprinting is handled per fingerprinting required through identogo (code: 27s46z). JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Delaware insurance exam?
If you fail the Delaware state exam, you'll pay the $90 exam fee again for each retake — and depending on your prelicensing provider, you may need to repurchase course access. Retake rules: scheduling your next available test date with no mandatory waiting period. JustInsurance includes a pass guarantee and unlimited practice exams to keep retake costs at zero.
How much does it cost to renew my Delaware insurance license?
Delaware requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Delaware CE package for $39, with same-day reporting to the DDOI. Single courses start at $10.
Does JustInsurance offer payment plans for Delaware prelicensing?
Yes — JustInsurance offers Delaware prelicensing through Affirm, with monthly payment plans starting at $199 paid over 3, 6, or 12 months (subject to credit approval). You can also pay in full upfront. State exam fees, application fees, and fingerprinting are paid directly to the testing vendor, DDOI, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Delaware courses?
JustInsurance offers a satisfaction-based refund policy on Delaware prelicensing courses — see our terms for full details. State-collected fees (exam fee, $125 application fee, $85 background check) are non-refundable once paid to the DDOI or the testing vendor. Always confirm requirements before paying state fees.
Explore More Delaware Resources
Dive deeper into Delaware licensing, exam prep, and CE renewal.
Requirements
Delaware License Requirements
Step-by-step legal and documentation requirements from the Delaware Department of Insurance.
Practice
Delaware Practice Exam
Free practice questions modeled on the Delaware state licensing exam.
Prelicensing
Delaware Prelicensing Courses
All state-approved prelicensing course options for Delaware.
Life
Delaware Life Insurance Prelicensing
Prelicensing course for the Life-only license in Delaware.
Health
Delaware Health Insurance Prelicensing
Prelicensing course for the Health-only license in Delaware.
L&H
Delaware Life & Health Prelicensing
Combined Life & Health prelicensing course for Delaware.
CE
Delaware Continuing Education
CE course catalog for Delaware license renewal.
CE Life
Delaware Life CE Renewal
CE hours for Delaware Life license renewal.
CE Health
Delaware Health CE Renewal
CE hours for Delaware Health license renewal.
CE L&H
Delaware Life & Health CE Renewal
Combined Life & Health CE for Delaware license renewal.
Start Your Delaware Insurance License for $199
All-inclusive prelicensing — practice exams, pass guarantee, and Affirm financing built in. Most students recoup the cost in their first month selling.
Start Now for $199