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How to Get Your Florida Insurance License in 2026

Florida has one of the strictest insurance licensing regimes in the country. The 2-20 General Lines path in the DFS instruction sheet uses a 200-hour DFS-approved course unless an exemption applies. Plan a realistic 8-12 week path.

Quick summaryTotal time: 8–12 weeks. Total cost: roughly $600–$1,200 all-in for a 2-20 license. Check the DFS instruction sheet for your license type to see whether a course or an exemption applies.

Florida insurance license — quick facts

State regulatorFlorida Department of Financial Services (DFS)
Exam vendorPearson VUE
Pre-licensing educationRequired — 2-20 General Lines: 200-hour DFS-approved course (completed within 4 years) unless an exemption applies; see the DFS 2-20 instruction sheet
Exam fee (resident)~$44 per attempt
License application fee$50 application fee
FingerprintingRequired (IdentoGO; $49.50 plus sales tax)
License term2 years (perpetual once issued — requires CE only)
CE requirement24 hours / 2 years incl. 5 hours ethics for new licensees

The six steps

  1. 1

    Complete pre-licensing education

    Florida has one of the strictest PLE regimes in the country: 200 hours for a 2-20 General Lines (P&C) license, 60 hours for a 2-15 Life, Health & Variable Annuity license, and 40 hours for a 2-14 Life license. The course must be completed within four years of application and be from a DFS-approved provider — see Florida Statutes §626.7851 and Rule 69B-227.

  2. 2

    Apply with DFS BEFORE scheduling the exam

    Florida is unusual — you must apply for your license with the Department of Financial Services (DFS) at MyProfile.MyFloridaCFO.com FIRST, then DFS authorizes you to test. The DFS fee page lists a $50 application fee for most agent types (fingerprinting is billed separately by the vendor).

  3. 3

    Get fingerprinted

    Florida requires fingerprinting through IdentoGO by Idemia. DFS lists $49.50 for LiveScan plus local sales tax ($24 FDLE, $12 FBI and $13.50 vendor fee). Results are sent directly to DFS.

  4. 4

    Schedule your Pearson VUE exam

    After DFS approves your application, Pearson VUE sends an Authorization to Test (ATT). Register at pearsonvue.com/fl/insurance, pick a testing center, and pay the current exam fee (~$44 per attempt).

  5. 5

    Pass the exam

    Florida uses a flat 70% passing standard for resident producer exams — the score is simply the number of questions answered correctly divided by the total, with no scaling. Pearson VUE sends your score directly to DFS within 24-48 hours.

  6. 6

    Get appointed by a carrier

    Florida producer licenses require at least one company appointment to be active. The carrier files the appointment with DFS.

What's on the Florida 2-20 P&C exam

The 2-20 exam tests both general lines (personal + commercial) and Florida-specific statutes.

  • Florida insurance law & ethics — ~20-25%
  • General insurance principles — ~10%
  • Property — ~20-25%
  • Casualty — ~25-30%
  • Commercial Package, BOP, WC, Surety — ~15-20%

CE requirements after licensing

Florida producer licenses become perpetual once issued, but require 24 hours of DFS-approved CE every 2 years, including 5 hours of FL-specific ethics/regulation for new licensees.

Cost breakdown

  • State-approved PLE: $300-$900 depending on line and provider
  • Pearson VUE exam fee: ~$44 per attempt
  • Fingerprinting (IdentoGO): $49.50 plus sales tax
  • DFS application: $50 application fee
  • Biennial CE: $30-$200

Study smarter for the Florida exam

Florida requires state-approved pre-licensing from a DFS-approved provider, and Elite Training Academy is not an approved FL pre-licensing provider. What we can help with: sharpen up before test day with our free practice exam. And if you're headed toward claims work, take a look at our Florida Public Adjuster course.

Try the free practice exam →Florida Public Adjuster course →

Frequently asked questions

Does Florida require pre-licensing education?

For the 2-20 General Lines (P&C) license, the DFS instruction sheet lists a 200-hour department-approved course, completed or taught within 4 years, with exemptions for certain degrees, prior equivalent licenses and the CPCU designation. Check the DFS instruction sheet for other license types. 2-14 Life requires 40 hours. See F.S. §626.7851.

What's the passing score on the Florida insurance exam?

A flat 70% (correct answers ÷ total questions, no scaling). Pearson VUE administers the exam and sends results directly to DFS.

Does Elite Training Academy provide the Florida pre-licensing course?

No. Florida requires state-approved pre-licensing from a DFS-approved provider, and Elite Training Academy is not an approved FL pre-licensing provider. We do offer a free practice exam to help you study, and — for those pursuing claims work — a Florida Public Adjuster course.

Related guides

Sources cited

This guide is based on DFS and Pearson VUE published procedures current as of 2026. Always verify current requirements at myfloridacfo.com before relying on any specific number.