How to Get Your Massachusetts Insurance License in 2026
A complete step-by-step guide to becoming a licensed insurance producer in Massachusetts. Massachusetts does not require state-approved pre-licensing for most lines — go straight to exam prep.
Massachusetts insurance license — quick facts
| State regulator | Massachusetts Division of Insurance |
| Exam vendor | PSI |
| Pre-licensing education | Not required for most lines |
| Exam fee (resident) | ~$55 per attempt |
| License application fee | ~$75-$100 per producer |
| 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
Not required in Massachusetts — the Massachusetts Division of Insurance does not mandate state-approved pre-licensing for most resident producer lines. Go straight to focused exam prep. Our $49.99 Massachusetts course gets you exam-ready.
- 2
Schedule your PSI exam
Massachusetts contracts with PSI for insurance license exams. Register at psiexams.com, pick a testing center, and pay the current exam fee (~$55 per attempt). {/* TODO: verify */}
- 3
Pass the exam
Massachusetts uses a 70% passing standard for resident producer exams. PSI sends your score directly to the Division of Insurance within 24 hours.
- 4
Submit your DOI license application
Apply through NIPR. Massachusetts license fees run ~$75-$100 per producer. {/* TODO: verify */}
- 5
Background check
Massachusetts 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 Massachusetts P&C exam
Standard NAIC P&C framework plus Massachusetts-specific statutes (M.G.L. c. 175).
- Massachusetts 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
Massachusetts producer licenses renew every 2 years with 24 hours of DOI-approved CE including 3 hours ethics.
Cost breakdown
- Exam-prep course: $49.99 with Elite Training Academy
- PSI exam fee: ~$55 per attempt
- License application: ~$75-$100
- Biennial CE: $30-$200
Ready to start studying?
Start your Massachusetts insurance license exam prep for $49.99 with lifetime access and 500+ practice questions per course.
See Massachusetts exam prep courses →Frequently asked questions
Does Massachusetts require pre-licensing education?
No. The Massachusetts Division of Insurance does not require state-approved pre-licensing for resident producer licenses.
What's the passing score on the Massachusetts insurance exam?
70% — PSI administers and sends results to the Division of Insurance.
How long does it take to get a Massachusetts insurance license?
Typically 3-6 weeks.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
This guide is based on Massachusetts DOI and PSI published procedures current as of 2026. Always verify current requirements at mass.gov/orgs/division-of-insurance before relying on any specific number.