Maine License Cost
How Much Does It Cost to Get a Maine Insurance License?
The estimated total cost to get your Maine 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.
Maine Insurance License Cost Breakdown
Every fee you'll pay between today and your active Maine insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical ME Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $478.00 | $199 |
State exam fee (Pearson VUE) Paid directly to Pearson VUE; not refundable on a fail. | $55 | $55 |
License application fee (BOI) Paid to the Maine Bureau of Insurance via NIPR or sircon at submission. | $25 | $25 |
Fingerprinting / background check Maine does not require fingerprinting for resident insurance license applicants. | Not required | Not required |
| Estimated Total (low–high) | $558 | $279 |
Estimates based on current published fees from the Maine Bureau 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 BOI: $350-500 estimated total cost.
Why JustInsurance Costs Less in Maine
Most Maine 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 Maine 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 Maine 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 ME provider stack
$279
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Maine Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Maine insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Maine insurance agent earning $72,270 per year and entry-level agents starting at $45,400, most new licensees earn back their full licensing cost within their first month of selling. The BOI reports 2,400 licensed agents currently active in Maine, with concentrations in Portland and Bangor. Career advancement is also fast: experienced agents in Maine earn between $60,630 and $76,830, and top producers pull in $118,380+ annually.
On the maintenance side, your Maine 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 Maine
- Exam retakes. The Pearson VUE Maine exam fee ($55) is charged for every attempt. Retake rules: a 24-hour waiting period. Failing twice can add $110+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Appointment fees. Once your Maine license is issued, each insurance carrier you represent submits an appointment to the BOI. 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 Maine: N/A — PLE not required.
- CE non-compliance. Letting your Maine 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).
Maine Insurance License Cost — FAQs
What is the total cost to get an insurance license in Maine?
Plan for $558 all-in to get your Maine insurance license. That covers prelicensing course, the $55 Pearson VUE exam fee, the $25 BOI application fee, and the No fee required background-check cost. Fingerprinting is not required in Maine JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Maine insurance exam?
If you fail the Maine state exam, you'll pay the $55 exam fee again for each retake — and depending on your prelicensing provider, you may need to repurchase course access. Retake rules: a 24-hour 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 Maine insurance license?
Maine requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Maine CE package for $39, with same-day reporting to the BOI. Single courses start at $10.
Does JustInsurance offer payment plans for Maine prelicensing?
Yes — JustInsurance offers Maine 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, BOI, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Maine courses?
JustInsurance offers a satisfaction-based refund policy on Maine prelicensing courses — see our terms for full details. State-collected fees (exam fee, $25 application fee, No fee required background check) are non-refundable once paid to the BOI or the testing vendor. Always confirm requirements before paying state fees.
Explore More Maine Resources
Dive deeper into Maine licensing, exam prep, and CE renewal.
Requirements
Maine License Requirements
Step-by-step legal and documentation requirements from the Maine Department of Insurance.
Practice
Maine Practice Exam
Free practice questions modeled on the Maine state licensing exam.
Prelicensing
Maine Prelicensing Courses
All state-approved prelicensing course options for Maine.
Life
Maine Life Insurance Prelicensing
Prelicensing course for the Life-only license in Maine.
Health
Maine Health Insurance Prelicensing
Prelicensing course for the Health-only license in Maine.
L&H
Maine Life & Health Prelicensing
Combined Life & Health prelicensing course for Maine.
CE
Maine Continuing Education
CE course catalog for Maine license renewal.
CE Life
Maine Life CE Renewal
CE hours for Maine Life license renewal.
CE Health
Maine Health CE Renewal
CE hours for Maine Health license renewal.
CE L&H
Maine Life & Health CE Renewal
Combined Life & Health CE for Maine license renewal.
Start Your Maine 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