Tennessee License Cost
How Much Does It Cost to Get a Tennessee Insurance License?
The estimated total cost to get your Tennessee 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.
Tennessee Insurance License Cost Breakdown
Every fee you'll pay between today and your active Tennessee insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical TN Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $595.15 | $199 |
State exam fee (Pearson VUE) Paid directly to Pearson VUE; not refundable on a fail. | $55 | $55 |
License application fee (TDCI) Paid to the Tennessee Department of Commerce and Insurance via NIPR or sircon at submission. | $50 | $50 |
Fingerprinting / background check Fingerprinting required through IdentoGO | $37.15 | $37.15 |
| Estimated Total (low–high) | $737 | $341 |
Estimates based on current published fees from the Tennessee Department of Commerce 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 TDCI: $350-500 estimated total cost.
Why JustInsurance Costs Less in Tennessee
Most Tennessee 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 Tennessee 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 Tennessee 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 TN provider stack
$396
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Tennessee Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Tennessee insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Tennessee insurance agent earning $65,130 per year and entry-level agents starting at $31,860, most new licensees earn back their full licensing cost within their first month of selling. The TDCI reports 2,900 licensed agents currently active in Tennessee, with concentrations in Nashville and Memphis. Career advancement is also fast: experienced agents in Tennessee earn between $49,130 and $75,280, and top producers pull in $104,440+ annually.
On the maintenance side, your Tennessee 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 Tennessee
- Exam retakes. The Pearson VUE Tennessee exam fee ($55) is charged for every attempt. Retake rules: a 10-day waiting period following your first failure, or a 30-day waiting period following each subsequent failure. Failing twice can add $110+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Fingerprinting logistics. Fingerprinting required through IdentoGO Travel time and any rescheduling fees are on you, not the state.
- Appointment fees. Once your Tennessee license is issued, each insurance carrier you represent submits an appointment to the TDCI. 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 Tennessee: N/A — PLE not required.
- CE non-compliance. Letting your Tennessee 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).
Tennessee Insurance License Cost — FAQs
What is the total cost to get an insurance license in Tennessee?
Plan for $737 all-in to get your Tennessee insurance license. That covers prelicensing course, the $55 Pearson VUE exam fee, the $50 TDCI application fee, and the $37.15 background-check cost. Fingerprinting is handled per fingerprinting required through identogo. JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Tennessee insurance exam?
If you fail the Tennessee 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 10-day waiting period following your first failure, or a 30-day waiting period following each subsequent failure. JustInsurance includes a pass guarantee and unlimited practice exams to keep retake costs at zero.
How much does it cost to renew my Tennessee insurance license?
Tennessee requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Tennessee CE package for $39, with same-day reporting to the TDCI. Single courses start at $10.
Does JustInsurance offer payment plans for Tennessee prelicensing?
Yes — JustInsurance offers Tennessee 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, TDCI, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Tennessee courses?
JustInsurance offers a satisfaction-based refund policy on Tennessee prelicensing courses — see our terms for full details. State-collected fees (exam fee, $50 application fee, $37.15 background check) are non-refundable once paid to the TDCI or the testing vendor. Always confirm requirements before paying state fees.
Explore More Tennessee Resources
Dive deeper into Tennessee licensing, exam prep, and CE renewal.
Requirements
Tennessee License Requirements
Step-by-step legal and documentation requirements from the Tennessee Department of Insurance.
Practice
Tennessee Practice Exam
Free practice questions modeled on the Tennessee state licensing exam.
Prelicensing
Tennessee Prelicensing Courses
All state-approved prelicensing course options for Tennessee.
Life
Tennessee Life Insurance Prelicensing
Prelicensing course for the Life-only license in Tennessee.
Health
Tennessee Health Insurance Prelicensing
Prelicensing course for the Health-only license in Tennessee.
L&H
Tennessee Life & Health Prelicensing
Combined Life & Health prelicensing course for Tennessee.
CE
Tennessee Continuing Education
CE course catalog for Tennessee license renewal.
CE Life
Tennessee Life CE Renewal
CE hours for Tennessee Life license renewal.
CE Health
Tennessee Health CE Renewal
CE hours for Tennessee Health license renewal.
CE L&H
Tennessee Life & Health CE Renewal
Combined Life & Health CE for Tennessee license renewal.
Start Your Tennessee 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