How to Get Your New Jersey Insurance License in 2026
A complete step-by-step guide to becoming a licensed insurance producer in New Jersey. The NJ Department of Banking & Insurance (DOBI) requires a state-approved pre-licensing course before the PSI exam, then you apply for the license through NIPR.
NJ insurance license — quick facts
| State regulator | NJ Department of Banking and Insurance (DOBI) |
| Exam vendor | PSI |
| Pre-licensing education | Required — 20 hours per line |
| Exam fee (resident) | see the current PSI New Jersey bulletin |
| License fee (resident producer) | $150 license plus $20 transaction fee ($170); see the NJ DOBI fee schedule |
| Fingerprinting | Required (IDEMIA Live Scan) |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete the required pre-licensing course
New Jersey requires a state-approved pre-licensing education course — 20 hours per line of authority — before you can sit for the exam. The provider issues a certificate of completion, which you present to PSI to test.
- 2
Schedule your PSI exam
NJ contracts with PSI for resident producer exams. Register at psiexams.com, pick a New Jersey testing center or online proctored slot, and pay the current exam fee. Exams are multiple-choice and allow up to 3.5 hours.
- 3
Pass the exam at 70%
New Jersey uses a 70% passing standard. Your score is shown on screen at the end and sent to NJ DOBI by PSI.
- 4
Submit your application through NIPR
Submit your NJ resident producer license application at nipr.com. Check the current NJ DOBI fee page for the license fee; DOBI pages disagree on the current processing fee. Licenses typically issue within 7-14 business days.
- 5
Complete fingerprinting
NJ requires fingerprint-based background checks for new resident producers — through the state Live Scan process (IDEMIA, sold as IdentoGO), as described on the NJ DOBI Live Scan page, with results forwarded to DOBI.
- 6
Get appointed by an insurance carrier
A producer license alone doesn't authorize you to sell — you need at least one carrier appointment.
What's on the NJ P&C exam
The NJ Property & Casualty exam covers the standard NAIC framework plus NJ-specific statutes including the NJ Insurance Code Title 17. Typical section weights:
- Insurance regulation (NJ Title 17) — ~10-15%
- General insurance — ~10-15%
- Property insurance basics — ~15-20%
- Dwelling and Homeowners policies — ~15-20%
- Auto insurance (incl. PIP no-fault) — ~15-20%
- Commercial Package, BOP, Workers' Comp, Surety — ~20-25%
CE requirements after licensing
NJ producer licenses renew every 2 years. Each renewal cycle typically requires 24 hours of NJ DOBI-approved continuing education, including 3 hours of ethics.
The biennial renewal fee is $170 (a $150 license fee plus a $20 transaction fee), per the NJ DOBI fee schedule.
Cost breakdown
- State-approved pre-licensing course (required): ~$100-$300 from a NJ DOBI-approved provider
- PSI exam fee: see the current PSI New Jersey bulletin
- Fingerprinting (IDEMIA Live Scan): see the NJ DOBI Live Scan page
- NJ resident producer license fee: $150 plus a $20 transaction fee ($170 total) per the NJ DOBI fee schedule
- Biennial CE: $30-$200 depending on provider
Study smarter for the New Jersey exam
New Jersey requires a NJ DOBI-approved pre-licensing course before the producer exam, and Elite Training Academy is not a NJ DOBI-approved pre-licensing provider — you'll complete that course through an approved school. What we can help with: get exam-ready with our free practice test before you sit the PSI exam.
Try the free practice exam →Free quiz, no signup
Would you pass the New Jersey Public Adjuster exam today?
10 questions from our New Jersey Public Adjuster question bank, graded instantly. Want the longer version? Take the 20-question practice exam.
1. Before an adjuster takes a recorded statement, the subject is entitled to:
2. A group of members forms an entity in which each member is protected under the group's captive arrangement, and other specialty structures include fraternal benefit societies and risk retention groups. These are best characterized as:
3. Step flashing is the flashing installed:
4. Under an all-in (all-inclusive) master policy convention, the HO-6 Coverage A functions primarily as:
5. Absent an ordinance or law endorsement, a standard property form treats increased construction cost caused by code enforcement as:
6. A cast iron drain line has been weeping behind a wall for an undetermined period. What most directly decides whether the resulting damage is payable?
7. The 'property removed' additional coverage protects property removed from a premises endangered by a covered peril for how long?
8. Undamaged flooring adjoining the damaged area cannot be matched to the replacement material. On the estimate the adjuster should:
9. A home was built in a plant on a permanent steel chassis in 1974 and towed to its present site, where it now sits on block piers. Its correct category is:
10. A proof of loss is best described as:
New Jersey licensing requirements at a glance
Quoted from NIPR, "New Jersey resident licensing requirements, individual", read 2026-09-16. Confirm with the New Jersey Department of Banking and Insurance before you apply.
| Pre-licensing education | Applicants must complete pre-licensing education. No hour count is printed on this page. |
|---|---|
| State exam | Exams are required for Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Surplus Lines, Title and Bail Bond, and not required for Variable Life and Annuity, Car Rental, Credit, Pet, Travel, Legal, Self Storage or Group Mortgage Cancellation. |
| Background check | Applicants for every exam-required line must have fingerprint impressions taken through the state's Live Scan electronic fingerprint process, operated by IdentoGO. |
| How to apply | Apply electronically through NIPR's Resident License application. |
| Application fee | Insurance Producer (standard line of authority): $170Insurance Producer (limited line of authority): $95Temporary Insurance Producer: $170 |
Source: New Jersey resident licensing requirements, individual (NIPR, read 2026-09-16).
New Jersey insurance exams: published facts
- Public AdjusterPublic Adjuster: 70 scored questions, 210 minutes, administered by PSI, $38 exam fee. The published passing score is 70%.
What the New Jersey Public Adjuster (PSI) covers
Section weights from PSI publication NJINS PublicAdjuster.pdf, effective 2023-01-18.
| I. Property Loss Adjusting | 60% (30 of 50) |
| II. Public Adjustment Licensing Act | 40% (20 of 50) |
Everything for New Jersey in one place
Free practice exams
Exam outlines and checklist
Frequently asked questions
Does New Jersey require pre-licensing education?
Yes. NJ DOBI requires a state-approved pre-licensing course of 20 hours per line of authority before you can sit for the PSI producer exam.
What's the passing score on the NJ insurance exam?
70% — the standard most states use.
How long does it take to get a NJ insurance license?
Most candidates complete the process in about 5-9 weeks once fingerprinting is factored in: complete the required state-approved pre-licensing course, schedule and pass the PSI exam, fingerprinting, then file the NIPR application.
Related guides
- How to get your New York insurance license
- How to get your Pennsylvania insurance license
- How to get your Texas insurance license
Sources cited
- NJ DOBI — Producer Licensing
- PSI NJ Insurance Candidate Bulletin
- NIPR — National Insurance Producer Registry
- N.J.S.A. Title 17 — Insurance
This guide is based on NJ DOBI and PSI published procedures current as of 2026. Fees and procedures change — always verify current requirements at nj.gov/dobi before relying on any specific number.