North Dakota License Cost
How Much Does It Cost to Get a North Dakota Insurance License?
The estimated total cost to get your North Dakota 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.
North Dakota Insurance License Cost Breakdown
Every fee you'll pay between today and your active North Dakota insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical ND Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $696.00 | $199 |
State exam fee (PSI Services LLC) Paid directly to PSI Services LLC; not refundable on a fail. | $64 | $64 |
License application fee (NDID) Paid to the North Dakota Insurance Department via NIPR or sircon at submission. | $100 | $100 |
Fingerprinting / background check Fingerprinting required through ND DOI fingerprint forms | $70 | $70 |
| Estimated Total (low–high) | $930 | $433 |
Estimates based on current published fees from the North Dakota Insurance Department, PSI Services LLC, 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 NDID: $350-500 estimated total cost.
Why JustInsurance Costs Less in North Dakota
Most North Dakota 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 North Dakota 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 North Dakota 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 ND provider stack
$497
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a North Dakota Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a North Dakota insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average North Dakota insurance agent earning $83,530 per year and entry-level agents starting at $45,970, most new licensees earn back their full licensing cost within their first month of selling. The NDID reports 2,300 licensed agents currently active in North Dakota, with concentrations in Fargo and Bismarck. Career advancement is also fast: experienced agents in North Dakota earn between $65,850 and $96,670, and top producers pull in $148,320+ annually.
On the maintenance side, your North Dakota 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 North Dakota
- Exam retakes. The PSI Services LLC North Dakota exam fee ($64) is charged for every attempt. Retake rules: scheduling your next available test date with no mandatory waiting period. Failing twice can add $128+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Fingerprinting logistics. Fingerprinting required through ND DOI fingerprint forms Travel time and any rescheduling fees are on you, not the state.
- Appointment fees. Once your North Dakota license is issued, each insurance carrier you represent submits an appointment to the NDID. 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 North Dakota: N/A — PLE not required.
- CE non-compliance. Letting your North Dakota 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).
North Dakota Insurance License Cost — FAQs
What is the total cost to get an insurance license in North Dakota?
Plan for $930 all-in to get your North Dakota insurance license. That covers prelicensing course, the $64 PSI Services LLC exam fee, the $100 NDID application fee, and the $70 background-check cost. Fingerprinting is handled per fingerprinting required through nd doi fingerprint forms. JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the North Dakota insurance exam?
If you fail the North Dakota state exam, you'll pay the $64 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 North Dakota insurance license?
North Dakota requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete North Dakota CE package for $39, with same-day reporting to the NDID. Single courses start at $10.
Does JustInsurance offer payment plans for North Dakota prelicensing?
Yes — JustInsurance offers North Dakota 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, NDID, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on North Dakota courses?
JustInsurance offers a satisfaction-based refund policy on North Dakota prelicensing courses — see our terms for full details. State-collected fees (exam fee, $100 application fee, $70 background check) are non-refundable once paid to the NDID or the testing vendor. Always confirm requirements before paying state fees.
Explore More North Dakota Resources
Dive deeper into North Dakota licensing, exam prep, and CE renewal.
Requirements
North Dakota License Requirements
Step-by-step legal and documentation requirements from the North Dakota Department of Insurance.
Practice
North Dakota Practice Exam
Free practice questions modeled on the North Dakota state licensing exam.
Prelicensing
North Dakota Prelicensing Courses
All state-approved prelicensing course options for North Dakota.
Life
North Dakota Life Insurance Prelicensing
Prelicensing course for the Life-only license in North Dakota.
Health
North Dakota Health Insurance Prelicensing
Prelicensing course for the Health-only license in North Dakota.
L&H
North Dakota Life & Health Prelicensing
Combined Life & Health prelicensing course for North Dakota.
CE
North Dakota Continuing Education
CE course catalog for North Dakota license renewal.
CE Life
North Dakota Life CE Renewal
CE hours for North Dakota Life license renewal.
CE Health
North Dakota Health CE Renewal
CE hours for North Dakota Health license renewal.
CE L&H
North Dakota Life & Health CE Renewal
Combined Life & Health CE for North Dakota license renewal.
Start Your North Dakota 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