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How to Get Your Louisiana Insurance License in 2026

A complete step-by-step guide to becoming a licensed insurance producer in Louisiana. Good news up front: Louisiana repealed its pre-licensing education requirement in 2022 — the old 40-hour course is history, so you can go straight to exam prep and be licensed in about a month.

Quick summaryTotal time: 4–6 weeks. Total cost: roughly $225–$250 all-in. No pre-licensing education required — a PSI exam, a NIPR application, and IdentoGO fingerprints are the whole process. One trap to avoid: apply before you fingerprint, or you'll pay to be re-printed.

Louisiana insurance license — quick facts

State regulatorLouisiana Department of Insurance (LDI)
Exam vendorPSI — in-person test centers only (remote testing discontinued July 2024)
Pre-licensing educationNot required — repealed effective June 3, 2022 (bail bond apprenticeship only exception)
Exam fee (resident)$58 per attempt (P&C, Series 106); $36 for single-line exams
P&C exam format150 questions, 160 minutes, 70% to pass
License application fee$75 flat per producer application via NIPR (+ NIPR transaction fee)
FingerprintingRequired — IdentoGO/Idemia livescan, ~$40-$55; apply through NIPR first
License term2 years — expires last day of birth month; renewal year set by license number (even/odd); renewal $75
CE requirement24 hrs per biennium incl. 3 hrs ethics + 3 hrs flood (P&C); +2 hrs legislative updates from July 2027 renewals

The six steps

  1. 1

    Skip pre-licensing education — Louisiana repealed it in 2022

    Louisiana eliminated mandatory pre-licensing education for producer lines effective June 3, 2022 (Acts 2022, No. 273) — the old 40-hour course requirement is gone, no matter what outdated guides say. Only bail bond applicants still have a prerequisite (a three-month apprenticeship). That means you can go straight to focused exam prep: our $49.99 Louisiana course gets you ready for the PSI exam in 2-4 weeks.

  2. 2

    Schedule your PSI exam

    Louisiana contracts with PSI for insurance license exams. Register at test-takers.psiexams.com/ladi (or call 855-579-4644) and pay the $58 fee for the Property & Casualty exam ($36 for single-line Property or Casualty exams). Heads up: Louisiana discontinued remote online testing in July 2024, so you must test in person at a PSI center — locations include Baton Rouge, Metairie (New Orleans), Lafayette, Shreveport, Monroe, Pineville, and Sulphur.

  3. 3

    Pass the exam at 70%

    The Louisiana Property & Casualty exam (PSI Series 106) has 150 questions with a 160-minute time limit, and you need 70% to pass. Your score appears on screen immediately, and PSI reports results to the Louisiana Department of Insurance within one to two days. There's no limit on retakes — but each attempt costs another $58, so it pays to walk in prepared.

  4. 4

    Submit your license application through NIPR — before fingerprinting

    Apply online at nipr.com. Louisiana charges a flat $75 application fee for a producer license (one application covers your Property and Casualty lines), plus a small NIPR transaction fee. Order matters in Louisiana: file the application first, because the LDI cannot accept fingerprints submitted before an application is on file — get it backwards and you'll pay to be re-printed.

  5. 5

    Get fingerprinted through IdentoGO

    All first-time resident applicants must complete a fingerprint-based state and FBI background check through IdentoGO/Idemia, Louisiana's statewide fingerprint vendor. After you apply, return the LDI's Background Check Authorization form and wait for the LDI to email your scheduling instructions — then book a livescan appointment at any IdentoGO location (budget roughly $40-$55). Background check results typically reach the LDI within 7-10 days.

  6. 6

    Get appointed by an insurance carrier

    A producer license alone doesn't authorize you to sell — you need at least one carrier appointment. The insurer files the appointment with the Louisiana Department of Insurance and pays the $20 appointment fee; if you're joining an agency, they'll typically handle this for you.

What's on the Louisiana P&C exam

The Louisiana Property & Casualty exam (PSI Series 106) has 150 questions, a 160-minute time limit, and a 70% passing score. It covers the standard NAIC framework plus Louisiana-specific law from Title 22 of the Revised Statutes. Section weights from the official PSI content outline:

  • Louisiana insurance regulation (La. R.S. Title 22) — 23%
  • Property & casualty insurance basics — 15%
  • Homeowners policy — 10%
  • General insurance concepts — 8%
  • Personal automobile policy — 7%
  • Commercial property policies — 7%
  • Commercial general liability — 7%
  • Commercial automobile policy — 6%
  • Workers' compensation — 5%
  • Other P&C insurance (surety, umbrella, BOP, flood, Citizens) — 5%
  • Dwelling policy — 4%
  • Commercial crime — 2%
  • Federal licensing and regulation — 1%

Louisiana insurance regulation is the single heaviest section at nearly a quarter of the exam — expect questions on the Valued Policy Law, Louisiana Citizens Property Insurance Corporation, cancellation/nonrenewal rules, and hurricane-driven claims-payment statutes that don't appear in generic national study guides. Try our free Louisiana practice exam to see where you stand before booking with PSI.

Why so many guides get Louisiana's requirements wrong

For decades Louisiana required a 40-hour pre-licensing course before you could sit for the Property & Casualty exam, and a lot of study-site content was written in that era. The legislature repealed the requirement in Acts 2022, No. 273, effective June 3, 2022 — and PSI's official candidate bulletin now states plainly that there are no prelicensing requirements for any producer exam except bail bond. So if a guide tells you to buy a mandatory 40-hour Louisiana course, it's out of date. What hasn't changed: the exam itself is still substantial, and Louisiana's state-law section is the largest single topic on it — which is exactly what focused exam prep is for.

CE requirements after licensing

Louisiana producer licenses run on a biennial cycle: your license expires on the last day of your birth month, and your renewal year is determined by your license number (even-numbered licenses renew in even years, odd in odd years). Each cycle, P&C and personal lines producers need 24 hours of CE, including 3 hours of ethics and 3 hours of flood education — the flood hours are a Louisiana signature you won't see in most states. Effective with July 2027 renewals, 2 of the 24 hours must cover legislative updates in insurance law. New licensees are exempt from CE for their first renewal, up to 10 excess general hours carry over, and the renewal fee is $75 (filed through NIPR or the LDI Industry Access portal).

Cost breakdown

  • Exam-prep course: $49.99 with Elite Training Academy (lifetime access, 500+ practice questions)
  • PSI exam fee: $58 per attempt for P&C (Series 106)
  • IdentoGO fingerprinting: roughly $40-$55 (state + FBI background check)
  • LDI license application: $75 flat via NIPR, plus a small NIPR transaction fee
  • Biennial renewal: $75 + CE course costs ($30-$200 depending on provider)

All-in, plan on roughly $225-$250 to go from zero to licensed. Since Louisiana killed the mandatory pre-licensing course, the biggest variable is retake fees — every failed attempt adds $58, which makes practice exams the cheapest insurance you can buy.

Ready to start studying?

Start your Louisiana insurance license exam prep for $49.99 with lifetime access and 500+ practice questions per course — including the Louisiana-specific law that makes up the biggest chunk of the PSI exam.

See Louisiana exam prep courses →

Frequently asked questions

Does Louisiana require pre-licensing education?

No — not anymore. Louisiana repealed mandatory pre-licensing education for producer and consultant lines effective June 3, 2022 (Acts 2022, No. 273). PSI's official candidate bulletin confirms there are no prelicensing requirements for any producer exam except bail bond (which requires a three-month apprenticeship). Many older guides still claim Louisiana requires a 40-hour course — that information is outdated. A quality exam-prep course is strongly recommended, but not legally required.

How many questions is the Louisiana insurance exam?

The Louisiana Property & Casualty producer exam (PSI Series 106) has 150 questions with a 160-minute time limit and a 70% passing score. The combined Life, Health and Accident exam (Series 103) is similar in scope. PSI may also include 5-10 unscored experimental questions that count against your time but not your score.

How much does the Louisiana insurance exam cost?

$58 per attempt for the Property & Casualty exam or the combined Life, Health & Accident exam through PSI. Single-line exams (Property only, Casualty only, Personal Lines) are $36. There's no limit on retakes, but you pay the full fee each time — which is why solid practice-exam prep pays for itself.

Can I take the Louisiana insurance exam online at home?

No. Louisiana discontinued remote-proctored testing for insurance license exams effective July 8, 2024. You must test in person at a PSI test center — Louisiana locations include Baton Rouge, Metairie, Lafayette, Shreveport, Monroe, Pineville (Alexandria), and Sulphur (Lake Charles), and you can also test at PSI centers in other states.

How much does a Louisiana insurance license cost in total?

Roughly $225-$250 all-in: $49.99 for exam prep, $58 for the PSI exam, about $40-$55 for IdentoGO fingerprinting, and a $75 NIPR application fee plus a small NIPR transaction fee. Add $58 per additional exam attempt if you don't pass the first time.

How long does it take to get a Louisiana insurance license?

Typically 4-6 weeks. Since Louisiana has no pre-licensing requirement, most of that is study time: 2-4 weeks of exam prep, then the PSI exam (scores reach the LDI in 1-2 days), the NIPR application, and IdentoGO fingerprinting (results in 7-10 days). Plan for the application review to take up to a few weeks if anything on your background check needs a second look.

Does Louisiana require fingerprinting for an insurance license?

Yes. All first-time resident producer applicants must complete a livescan fingerprint background check (state and FBI) through IdentoGO/Idemia. Critically, Louisiana requires you to submit your license application before fingerprinting — the LDI cannot accept prints taken before an application is on file, and you'd have to pay to be re-printed. After applying, the LDI emails you scheduling instructions.

What are Louisiana's continuing education requirements?

Resident P&C and personal lines producers need 24 hours of CE every two-year renewal cycle, including 3 hours of ethics and 3 hours of flood education — the flood requirement is a Louisiana signature. Starting with July 2027 renewals, 2 of the 24 hours must cover legislative updates in insurance law. Brand-new licensees are exempt for their first renewal, and up to 10 excess general hours carry over to the next cycle. Licenses renew by the last day of your birth month every other year ($75 renewal fee).

Related guides

Sources cited

This guide is based on Louisiana Department of Insurance, PSI, and NIPR published procedures current as of 2026. Fees and procedures change — always verify current requirements at ldi.la.gov before relying on any specific number.