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How to Get Your New Hampshire Insurance License in 2026

A complete step-by-step guide to becoming a licensed insurance producer in New Hampshire. Good news up front: NH requires no pre-licensing education and no fingerprinting — pass one PSI exam, file one NIPR application, and the state processes clean applications within 24 hours.

Quick summaryTotal time: 3–5 weeks. Total cost: roughly $330–$350 all-in. No pre-licensing education, no fingerprinting — the PSI exam and a NIPR application are the whole process. Heads up: NH switched exam vendors from Prometric to PSI in mid-2025.

New Hampshire insurance license — quick facts

State regulatorNew Hampshire Insurance Department (NHID)
Exam vendorPSI (test centers + remote proctoring) — replaced Prometric June 30, 2025
Pre-licensing educationNot required (eliminated July 11, 2008)
Exam fee (resident)$72 per attempt (P&C, series 12-64); $59 single-line exams
P&C exam format150 scored questions (+5–10 unscored), 150 minutes, 70% to pass
License application fee$210 flat via NIPR; clean applications processed within 24 hours
FingerprintingNot required — background questions on the NAIC application only
License term2 years — expires last day of birth month; renewal $150 ($200 if CE is late)
CE requirement24 hrs per biennium incl. 3–10 hrs ethics, complete 60 days before expiration

The six steps

  1. 1

    Skip pre-licensing education — New Hampshire doesn't require it

    New Hampshire abolished its pre-licensing course requirement back in 2008, and the current PSI candidate bulletin confirms no study course is mandated. That means you can go straight to focused exam prep. Our $49.99 New Hampshire course gets you exam-ready in 2-4 weeks — and because the exam is the only real hurdle in NH, solid prep is where the whole process is won or lost.

  2. 2

    Schedule your PSI exam

    New Hampshire switched exam vendors in mid-2025: PSI (not Prometric) now administers all NH insurance exams. Create an account at test-takers.psiexams.com/nhins, pick the Property and Casualty exam (series 12-64, $72) or a single-line exam ($59), and choose a test center — Concord, Keene, Manchester, Nashua, Newington, or Portsmouth — or PSI's remote-proctored option from home. Your exam fee is valid for one year and is not refundable.

  3. 3

    Pass the exam at 70%

    The NH Property & Casualty exam has 150 scored questions and a 150-minute time limit — that's one minute per question — plus 5-10 unscored experimental items. You need 70% overall to pass; individual sections can dip below that. Your score appears on screen the moment you finish, and if you fail you can rebook as soon as two days later (paying the fee again each time).

  4. 4

    Skip fingerprinting — New Hampshire doesn't require it

    NH is one of the easier states here: no fingerprinting and no separate background-check fee. Criminal history records from the NH State Police are no longer required for producer licensing. You'll simply answer the background questions on the NAIC Uniform Application — answer honestly, and if any answer is 'yes,' upload the supporting documents to NIPR's Attachments Warehouse within 30 days.

  5. 5

    Submit your license application through NIPR

    Apply online at nipr.com. The NH resident producer application fee is a flat $210 (covering your two-year license, all lines you passed exams for), plus a small NIPR transaction fee. NHID processes clean online applications within 24 hours of receipt — one of the fastest turnarounds in the country.

  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. Under RSA 402-J:14, the insurer must register the appointment within 15 days of you starting to write business; if you're joining an agency, they'll typically handle this for you.

What's on the NH P&C exam

The New Hampshire Property & Casualty exam (PSI series 12-64) has 150 scored questions, a 150-minute time limit, and a 70% passing score — plus 5–10 unscored experimental questions mixed in that you won't be able to identify. Per the official content outline, it covers the standard NAIC framework plus New Hampshire-specific statutes from Title XXXVII of the NH Revised Statutes:

  • Insurance regulation — licensing, NH state regulation (RSA Title XXXVII), federal regulation
  • General insurance — concepts, insurers, producers and agency rules
  • Property & casualty basics — principles, policy structure, NH laws and required provisions
  • Dwelling policy and Homeowners policy — coverage forms, perils, exclusions, endorsements
  • Auto insurance — NH laws (incl. the RSA 264 financial-responsibility regime and UM coverage), personal auto policy, commercial auto
  • Commercial Package Policy — CGL, commercial property, crime, inland marine, equipment breakdown, farm
  • Businessowners policy (BOP)
  • Workers compensation — NH law, the WC&EL policy, premium computation
  • Other coverages — umbrella, surety bonds, surplus lines, ocean marine, National Flood Insurance Program, residual markets

The auto section deserves extra attention because New Hampshire's rules are unlike any other state's (more below). Try our free New Hampshire practice exam to see where you stand before booking with PSI.

NH is the only state without compulsory auto insurance

Every other U.S. state requires drivers to carry liability insurance. New Hampshire instead imposes a financial-responsibility regime under RSA Chapter 264: drivers can legally drive without insurance, but must demonstrate financial responsibility after specific triggering events — an at-fault accident, a DWI conviction, or certain other violations. When NH drivers do buy auto policies, uninsured motorist coverage must be included at limits equal to their liability limits, precisely because so many other drivers on the road may carry nothing. Expect the exam to test this framework, and expect it to shape real-world conversations with clients in ways producers in Massachusetts, Maine, or Vermont never encounter.

CE requirements after licensing

NH producer licenses run on a biennial cycle tied to your birth month: your license expires on the last day of your birth month (the first term runs 13–25 months so it can sync to that cycle, then renews for two full years). Each cycle, producers holding major lines need 24 hours of NHID-approved CE, including at least 3 — but no more than 10 — hours of ethics (RSA 402-J:7-a). Two deadlines matter: CE must be complete 60 days before expiration ($150 renewal), or you'll pay a $50 late-CE penalty ($200 renewal). And New Hampshire does not accept late renewals at all — miss your expiration date and you must reapply and pay a $300 reinstatement fee, so calendar your birth month carefully.

Cost breakdown

  • Exam-prep course: $49.99 with Elite Training Academy
  • PSI exam fee: $72 per attempt for P&C (single-line exams $59)
  • Fingerprinting: $0 — not required in New Hampshire
  • NHID license application: $210 flat via NIPR, plus a small NIPR transaction fee
  • Biennial renewal: $150 ($200 if CE finishes inside the 60-day window) + CE course costs ($30-$200 depending on provider)

All-in, plan on roughly $330–$350 to go from zero to licensed. The $210 application fee is on the higher side, but NH claws that back elsewhere: no mandatory pre-licensing course, no fingerprinting fee, and a 24-hour application turnaround.

Already licensed in another state?

If you're moving to New Hampshire and held a resident producer license in another state within the past 90 days, no exam is required — you surrender your old resident license, apply through NIPR, and NHID verifies your history on the national producer database. Let the old license lapse more than 90 days and you'll need to pass the NH Laws & Regulations exam; more than two years and the full exam applies. CPCU designees applying for P&C only need the shorter NH P&C Laws & Regulations exam (series 12-81, $59) rather than the full 150-question test.

Ready to start studying?

Start your New Hampshire insurance license exam prep for $49.99 with lifetime access and 500+ practice questions per course — since the exam is the only hurdle NH puts in front of you, it's the one thing worth investing in.

See New Hampshire exam prep courses →

Frequently asked questions

Does New Hampshire require pre-licensing education?

No. New Hampshire eliminated its pre-licensing course requirement effective July 11, 2008, and the current PSI candidate bulletin confirms you are not required to take a pre-licensing study course. You can register for the exam as soon as you feel ready — though with 150 questions covering both national and NH-specific material, a structured exam-prep course is strongly recommended.

How many questions is the New Hampshire insurance exam?

The NH Property & Casualty exam (PSI series 12-64) and the combined Life, Accident and Health exam (12-63) each have 150 scored questions with a 150-minute time limit, plus 5-10 unscored experimental questions. Single-line exams (Life, Accident & Health, Property, or Casualty alone) are shorter. You need 70% overall to pass.

How much does the New Hampshire insurance exam cost?

$72 per attempt for the Property & Casualty exam or the combined Life, Accident and Health exam; $59 for single-line exams. Fees are paid to PSI at registration, are non-refundable, and are valid for one year from payment. Each retake costs the full fee again — which is why practice-exam prep pays for itself.

Is the New Hampshire insurance exam still with Prometric?

No — this changed in 2025. Prometric stopped administering NH insurance exams in June 2025, and PSI took over as the New Hampshire Insurance Department's exam vendor effective June 30, 2025. Register at test-takers.psiexams.com/nhins. Ignore older guides that point you to Prometric.

Does New Hampshire require fingerprinting for an insurance license?

No. New Hampshire does not require fingerprinting for a resident producer license, and criminal history records from the NH State Police are no longer required either. You just answer the background questions on the NAIC Uniform Application through NIPR — one less fee and one less appointment compared to states like Virginia or Georgia.

How much does a New Hampshire insurance license cost in total?

Roughly $330-$350 all-in for P&C: $49.99 for exam prep, $72 for the PSI exam, $210 for the NHID license application, plus a small NIPR transaction fee. There's no pre-licensing course to buy and no fingerprinting fee. Budget an extra $72 per attempt if you need a retake.

How long does it take to get a New Hampshire insurance license?

Typically 3-5 weeks, and most of that is study time. Plan on 2-4 weeks of exam prep, then schedule with PSI (test-center and remote slots are usually available within days), pass, and file through NIPR — NHID processes clean online applications within 24 hours of receipt.

What are New Hampshire's continuing education requirements?

Under RSA 402-J:7-a, resident producers holding major lines (Life, Accident & Health, Property, Casualty, or Personal Lines) must complete 24 hours of NHID-approved CE every two-year cycle, including at least 3 (but no more than 10) hours of ethics. CE must be finished 60 days before your license expires — finish it later than that and you'll pay a $50 late-CE penalty ($200 renewal instead of $150). Licenses expire on the last day of your birth month every two years.

Related guides

Sources cited

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