How to Get Your Kentucky Insurance License in 2026
Kentucky requires 40 hours of state-approved pre-licensing education per line of authority — one of the longer PLE requirements in the country. Plan for a 6-10 week timeline.
Kentucky insurance license — quick facts
| State regulator | Kentucky Department of Insurance |
| Exam vendor | PSI |
| Pre-licensing education | Required — 40 hours per line (KRS 304.9-295) |
| Exam fee (resident) | ~$45 per attempt |
| License application fee | ~$50 per line |
| Fingerprinting | May be required |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete pre-licensing education
Kentucky requires 40 hours of state-approved pre-licensing per line of authority (KRS 304.9-295). The course must be from a Kentucky DOI-approved provider and your completion certificate must be filed before sitting for the exam.
- 2
Schedule your PSI exam
Kentucky contracts with PSI for insurance license exams. Register at psiexams.com, pick a testing center, and pay the current exam fee (~$45 per attempt). {/* TODO: verify */}
- 3
Pass the exam
Kentucky uses a 70% passing standard for resident producer exams. PSI sends your score directly to the Kentucky DOI within 24 hours.
- 4
Submit your DOI license application
Apply through NIPR or Sircon. Kentucky license fees run ~$50 per line. {/* TODO: verify */}
- 5
Background check
Kentucky may require fingerprinting for new resident producers. {/* TODO: verify */}
- 6
Get appointed by a carrier
A producer license alone doesn't authorize you to sell — you need at least one carrier appointment.
What's on the Kentucky P&C exam
Standard NAIC P&C framework plus Kentucky-specific statutes.
- Kentucky insurance regulation — ~15-20%
- General insurance principles — ~10-15%
- Property — ~20-25%
- Casualty — ~25-30%
- Commercial Package, BOP, WC, Surety — ~15-20%
CE requirements after licensing
Kentucky producer licenses renew every 2 years with 24 hours of DOI-approved CE including 3 hours ethics.
Cost breakdown
- State-approved 40-hour PLE: $250-$450
- PSI exam fee: ~$45 per attempt
- License application: ~$50 per line
- Biennial CE: $30-$200
Kentucky course — coming soon
Pre-licensing is required in Kentucky — we're working with the DOI to get our course approved as a 40-hour PLE provider. Sign up below to be notified when our Kentucky exam-prep + PLE bundle launches.
Notify me when Kentucky launches →Frequently asked questions
Does Kentucky require pre-licensing education?
Yes. KRS 304.9-295 requires 40 hours of state-approved pre-licensing per line of authority.
What's the passing score on the Kentucky insurance exam?
70% — PSI administers and sends results to the DOI.
Is Elite Training Academy approved in Kentucky?
Not yet. We're working to file our course with the Kentucky DOI as an approved 40-hour PLE provider. Sign up to be notified when our Kentucky course launches.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
- Kentucky Department of Insurance
- PSI Exams — Kentucky
- NIPR — National Insurance Producer Registry
- KRS 304.9-295 — Pre-licensing education
This guide is based on Kentucky DOI and PSI published procedures current as of 2026. Always verify current requirements at insurance.ky.gov before relying on any specific number.