Virginia License Cost
How Much Does It Cost to Get a Virginia Insurance License?
The estimated total cost to get your Virginia 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.
Virginia Insurance License Cost Breakdown
Every fee you'll pay between today and your active Virginia insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical VA Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $498.95 | $199 |
State exam fee (Prometric) Paid directly to Prometric; not refundable on a fail. | $51 | $51 |
License application fee (BOI) Paid to the Virginia Bureau of Insurance via NIPR or sircon at submission. | $15 | $15 |
Fingerprinting / background check Fingerprinting required through Fieldprint Virginia (Code: FPVABOIProducer) | $34.95 | $34.95 |
| Estimated Total (low–high) | $600 | $300 |
Estimates based on current published fees from the Virginia Bureau of Insurance, 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 BOI: $350-500 estimated total cost.
Why JustInsurance Costs Less in Virginia
Most Virginia 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 Virginia 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 Virginia 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 VA provider stack
$300
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Virginia Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Virginia insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Virginia insurance agent earning $77,470 per year and entry-level agents starting at $35,770, most new licensees earn back their full licensing cost within their first month of selling. The BOI reports 3,400 licensed agents currently active in Virginia, with concentrations in Richmond and Virginia Beach. Career advancement is also fast: experienced agents in Virginia earn between $59,570 and $79,990, and top producers pull in $140,530+ annually.
On the maintenance side, your Virginia 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 Virginia
- Exam retakes. The Prometric Virginia exam fee ($51) is charged for every attempt. Retake rules: a 24-hour waiting period for your first three attempts, or a 30-calendar-day mandatory waiting period after your third and any subsequent failures. Failing twice can add $102+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Fingerprinting logistics. Fingerprinting required through Fieldprint Virginia (Code: FPVABOIProducer) Travel time and any rescheduling fees are on you, not the state.
- Appointment fees. Once your Virginia 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 Virginia: N/A — PLE not required.
- CE non-compliance. Letting your Virginia 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).
Virginia Insurance License Cost — FAQs
What is the total cost to get an insurance license in Virginia?
Plan for $600 all-in to get your Virginia insurance license. That covers prelicensing course, the $51 Prometric exam fee, the $15 BOI application fee, and the $34.95 background-check cost. Fingerprinting is handled per fingerprinting required through fieldprint virginia (code: fpvaboiproducer). JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Virginia insurance exam?
If you fail the Virginia state exam, you'll pay the $51 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 for your first three attempts, or a 30-calendar-day mandatory waiting period after your third and any subsequent failures. JustInsurance includes a pass guarantee and unlimited practice exams to keep retake costs at zero.
How much does it cost to renew my Virginia insurance license?
Virginia requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Virginia CE package for $39, with same-day reporting to the BOI. Single courses start at $10.
Does JustInsurance offer payment plans for Virginia prelicensing?
Yes — JustInsurance offers Virginia 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 Virginia courses?
JustInsurance offers a satisfaction-based refund policy on Virginia prelicensing courses — see our terms for full details. State-collected fees (exam fee, $15 application fee, $34.95 background check) are non-refundable once paid to the BOI or the testing vendor. Always confirm requirements before paying state fees.
Explore More Virginia Resources
Dive deeper into Virginia licensing, exam prep, and CE renewal.
Requirements
Virginia License Requirements
Step-by-step legal and documentation requirements from the Virginia Department of Insurance.
Practice
Virginia Practice Exam
Free practice questions modeled on the Virginia state licensing exam.
Prelicensing
Virginia Prelicensing Courses
All state-approved prelicensing course options for Virginia.
Life
Virginia Life Insurance Prelicensing
Prelicensing course for the Life-only license in Virginia.
Health
Virginia Health Insurance Prelicensing
Prelicensing course for the Health-only license in Virginia.
L&H
Virginia Life & Health Prelicensing
Combined Life & Health prelicensing course for Virginia.
CE
Virginia Continuing Education
CE course catalog for Virginia license renewal.
CE Life
Virginia Life CE Renewal
CE hours for Virginia Life license renewal.
CE Health
Virginia Health CE Renewal
CE hours for Virginia Health license renewal.
CE L&H
Virginia Life & Health CE Renewal
Combined Life & Health CE for Virginia license renewal.
Start Your Virginia 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