Montana License Cost
How Much Does It Cost to Get a Montana Insurance License?
The estimated total cost to get your Montana 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.
Montana Insurance License Cost Breakdown
Every fee you'll pay between today and your active Montana insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical MT Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $546.00 | $199 |
State exam fee (Pearson VUE) Paid directly to Pearson VUE; not refundable on a fail. | $59 | $59 |
License application fee (CSI) Paid to the Montana Commissioner of Securities and Insurance via NIPR or sircon at submission. | Included | Included |
Fingerprinting / background check Fingerprinting required through CSI Montana (mail-in) | $30 | $30 |
| Estimated Total (low–high) | $635 | $288 |
Estimates based on current published fees from the Montana Commissioner of Securities and 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 CSI: $350-500 estimated total cost.
Why JustInsurance Costs Less in Montana
Most Montana 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 Montana 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 Montana 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 MT provider stack
$347
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Montana Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Montana insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Montana insurance agent earning $74,490 per year and entry-level agents starting at $37,560, most new licensees earn back their full licensing cost within their first month of selling. The CSI reports 1,000 licensed agents currently active in Montana, with concentrations in Billings and Missoula. Career advancement is also fast: experienced agents in Montana earn between $57,360 and $76,240, and top producers pull in $119,990+ annually.
On the maintenance side, your Montana 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 Montana
- Exam retakes. The Pearson VUE Montana exam fee ($59) is charged for every attempt. Retake rules: a 24-hour waiting period. Failing twice can add $118+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Fingerprinting logistics. Fingerprinting required through CSI Montana (mail-in) Travel time and any rescheduling fees are on you, not the state.
- Appointment fees. Once your Montana license is issued, each insurance carrier you represent submits an appointment to the CSI. 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 Montana: N/A — PLE not required.
- CE non-compliance. Letting your Montana 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).
Montana Insurance License Cost — FAQs
What is the total cost to get an insurance license in Montana?
Plan for $635 all-in to get your Montana insurance license. That covers prelicensing course, the $59 Pearson VUE exam fee, the Included CSI application fee, and the $30 background-check cost. Fingerprinting is handled per fingerprinting required through csi montana (mail-in). JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Montana insurance exam?
If you fail the Montana state exam, you'll pay the $59 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 Montana insurance license?
Montana requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Montana CE package for $39, with same-day reporting to the CSI. Single courses start at $10.
Does JustInsurance offer payment plans for Montana prelicensing?
Yes — JustInsurance offers Montana 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, CSI, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Montana courses?
JustInsurance offers a satisfaction-based refund policy on Montana prelicensing courses — see our terms for full details. State-collected fees (exam fee, Included application fee, $30 background check) are non-refundable once paid to the CSI or the testing vendor. Always confirm requirements before paying state fees.
Explore More Montana Resources
Dive deeper into Montana licensing, exam prep, and CE renewal.
Requirements
Montana License Requirements
Step-by-step legal and documentation requirements from the Montana Department of Insurance.
Practice
Montana Practice Exam
Free practice questions modeled on the Montana state licensing exam.
Prelicensing
Montana Prelicensing Courses
All state-approved prelicensing course options for Montana.
Life
Montana Life Insurance Prelicensing
Prelicensing course for the Life-only license in Montana.
Health
Montana Health Insurance Prelicensing
Prelicensing course for the Health-only license in Montana.
L&H
Montana Life & Health Prelicensing
Combined Life & Health prelicensing course for Montana.
CE
Montana Continuing Education
CE course catalog for Montana license renewal.
CE Life
Montana Life CE Renewal
CE hours for Montana Life license renewal.
CE Health
Montana Health CE Renewal
CE hours for Montana Health license renewal.
CE L&H
Montana Life & Health CE Renewal
Combined Life & Health CE for Montana license renewal.
Start Your Montana 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