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How to Get Your Kentucky Insurance License in 2026

Kentucky requires state-approved pre-licensing education — 20 hours per line of authority, or 40 hours for a combined Life & Health or Property & Casualty license. Plan for a 6-10 week timeline.

Quick summaryTotal time: 6–10 weeks. Total cost: roughly $400–$700 all-in. State-approved pre-licensing required (20 hrs/line; 40 hrs for a combined license).

Kentucky insurance license — quick facts

State regulatorKentucky Department of Insurance
Exam vendorKentucky Department of Insurance (KCTCS testing sites)
Pre-licensing educationRequired — 20 hrs/line; 40 hrs for a combined Life & Health or Property & Casualty license (806 KAR 9:025)
Exam fee (resident)$50 per exam
License application fee$40 per line
FingerprintingNo fingerprints; AOC criminal background report required (806 KAR 9:025)
License term2 years
CE requirement24 hours / 2 years incl. 3 hours ethics

The six steps

  1. 1

    Complete pre-licensing education

    Kentucky requires state-approved pre-licensing — 20 hours per line of authority, or 40 hours for a combined Life & Health or Property & Casualty license (806 KAR 9:025). The course must be from a Kentucky DOI-approved provider and your completion certificate must be on file before you sit for the exam.

  2. 2

    Schedule your Kentucky state exam

    Kentucky insurance exams are administered by the Kentucky Department of Insurance itself at KCTCS testing sites, not by a national vendor. Follow the Department exam schedule and testing site list, and pay the $50 exam fee.

  3. 3

    Pass the exam

    Kentucky uses a 70% passing standard for producer exams.

  4. 4

    Submit your DOI license application

    Apply online through NIPR or Sircon. The resident individual license fee is $40 per line of authority (806 KAR 4:010).

  5. 5

    Background check

    Kentucky does not use fingerprinting for standard resident producer licenses. Applicants who designate Kentucky as their home state must submit a criminal background report from the Kentucky Administrative Office of the Courts (806 KAR 9:025).

  6. 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 pre-licensing (20–40 hrs): $250-$450
  • Exam fee: $50 per exam
  • License application: $40 per line
  • Biennial CE: $30-$200

Studying for the Kentucky exam?

Kentucky requires state-approved pre-licensing, which you complete through a DOI-approved provider. When you're ready to gauge your readiness, our free practice exam is open to everyone — no signup or payment required.

Try the free practice exam →

Frequently asked questions

Does Kentucky require pre-licensing education?

Yes. Under 806 KAR 9:025, Kentucky requires state-approved pre-licensing — 20 hours per line of authority, or 40 hours for a combined Life & Health or Property & Casualty license.

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

70%. The Kentucky Department of Insurance administers the exam.

Can Elite Training Academy help me prepare for the Kentucky exam?

Kentucky requires state-approved pre-licensing, which you complete through a DOI-approved provider. Our free practice exam is open to everyone — no signup required — and is a good way to check your readiness before you sit for the real thing.

Related guides

Sources cited

This guide is based on Kentucky DOI published procedures current as of 2026. Always verify current requirements at insurance.ky.gov before relying on any specific number.