Vermont License Cost
How Much Does It Cost to Get a Vermont Insurance License?
The estimated total cost to get your Vermont 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.
Vermont Insurance License Cost Breakdown
Every fee you'll pay between today and your active Vermont insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical VT Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $508.00 | $199 |
State exam fee (Prometric) Paid directly to Prometric; not refundable on a fail. | $50 | $50 |
License application fee (DFR) Paid to the Vermont Department of Financial Regulation via NIPR or sircon at submission. | $60 | $60 |
Fingerprinting / background check Vermont does not require fingerprinting for resident insurance license applicants. | Not required | Not required |
| Estimated Total (low–high) | $618 | $309 |
Estimates based on current published fees from the Vermont Department of Financial Regulation, Prometric, 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 DFR: $350-500 estimated total cost.
Why JustInsurance Costs Less in Vermont
Most Vermont 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 Vermont 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 Vermont 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 VT provider stack
$309
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Vermont Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Vermont insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Vermont insurance agent earning $86,670 per year and entry-level agents starting at $49,610, most new licensees earn back their full licensing cost within their first month of selling. The DFR reports 1,100 licensed agents currently active in Vermont, with concentrations in Burlington and Montpelier. Career advancement is also fast: experienced agents in Vermont earn between $70,390 and $90,180, and top producers pull in $114,280+ annually.
On the maintenance side, your Vermont 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 Vermont
- Exam retakes. The Prometric Vermont exam fee ($50) is charged for every attempt. Retake rules: a 24-hour waiting period. Failing twice can add $100+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Appointment fees. Once your Vermont license is issued, each insurance carrier you represent submits an appointment to the DFR. 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 Vermont: N/A — PLE not required.
- CE non-compliance. Letting your Vermont 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).
Vermont Insurance License Cost — FAQs
What is the total cost to get an insurance license in Vermont?
Plan for $618 all-in to get your Vermont insurance license. That covers prelicensing course, the $50 Prometric exam fee, the $60 DFR application fee, and the No fee required background-check cost. Fingerprinting is not required in Vermont JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Vermont insurance exam?
If you fail the Vermont state exam, you'll pay the $50 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 Vermont insurance license?
Vermont requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Vermont CE package for $39, with same-day reporting to the DFR. Single courses start at $10.
Does JustInsurance offer payment plans for Vermont prelicensing?
Yes — JustInsurance offers Vermont 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, DFR, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Vermont courses?
JustInsurance offers a satisfaction-based refund policy on Vermont prelicensing courses — see our terms for full details. State-collected fees (exam fee, $60 application fee, No fee required background check) are non-refundable once paid to the DFR or the testing vendor. Always confirm requirements before paying state fees.
Explore More Vermont Resources
Dive deeper into Vermont licensing, exam prep, and CE renewal.
Requirements
Vermont License Requirements
Step-by-step legal and documentation requirements from the Vermont Department of Insurance.
Practice
Vermont Practice Exam
Free practice questions modeled on the Vermont state licensing exam.
Prelicensing
Vermont Prelicensing Courses
All state-approved prelicensing course options for Vermont.
Life
Vermont Life Insurance Prelicensing
Prelicensing course for the Life-only license in Vermont.
Health
Vermont Health Insurance Prelicensing
Prelicensing course for the Health-only license in Vermont.
L&H
Vermont Life & Health Prelicensing
Combined Life & Health prelicensing course for Vermont.
CE
Vermont Continuing Education
CE course catalog for Vermont license renewal.
CE Life
Vermont Life CE Renewal
CE hours for Vermont Life license renewal.
CE Health
Vermont Health CE Renewal
CE hours for Vermont Health license renewal.
CE L&H
Vermont Life & Health CE Renewal
Combined Life & Health CE for Vermont license renewal.
Start Your Vermont 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