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How to Get Your Utah Insurance License in 2026

A complete step-by-step guide to becoming a licensed insurance producer in Utah. Good news up front: Utah requires no pre-licensing education for any line — and it's one of the only states where the exam, the license application, and fingerprinting all happen in a single visit to the test center.

Quick summaryTotal time: 3–5 weeks. Total cost: roughly $170–$230 all-in. No pre-licensing education required — study, pass at Prometric, then apply and get fingerprinted before you leave the building.

Utah insurance license — quick facts

State regulatorUtah Insurance Department (UID)
Exam vendorPrometric (test centers; Spanish-language exams available)
Pre-licensing educationNot required — for any line
Exam fee (resident)$44 combined P&C / $32 single-line, per attempt
P&C exam format150 questions (Series 17-04), 2.5 hours, 70% to pass
License application fee$70 + $5 electronic commerce fee, via NIPR or Sircon
FingerprintingRequired — live scan at the Prometric test center, $32 FBI/BCI + $6 processing
License term2 years — expires end of birth month (first renewal 24–35 months out); renewal $70
CE requirement24 hrs / 2 years incl. 3 hrs ethics; at least 12 hrs classroom or equivalent

The six steps

  1. 1

    Skip pre-licensing education — Utah doesn't require it

    The Utah Insurance Department's official position is simple: "Utah has no pre-licensing requirements for licensure." No mandatory course, no certificate of completion — for any line. That means your only real hurdle is the exam itself, and focused exam prep is the fastest way over it. Our $49.99 Utah course gets most students exam-ready in 2-4 weeks.

  2. 2

    Register for your Prometric exam

    Utah contracts with Prometric for all insurance license exams. Register at prometric.com/utah/insurance (or call 888-226-8740), choose a Utah test center, and pay the exam fee: $44 for the combined Property & Casualty exam or $32 for a single-line exam. If you fail, you re-register and pay again — fees are nonrefundable. Since December 2023, Prometric also offers Utah insurance exams in Spanish.

  3. 3

    Pass the exam at 70%

    The Utah Combined Property & Casualty exam (Prometric Series 17-04) has 150 multiple-choice questions and a 2.5-hour time limit; single-line exams run 100 questions in 2 hours. You need 70% to pass, and the combined exam produces one final score — you pass or fail it as a whole. Your printed score report shows your result immediately.

  4. 4

    Apply at the test-center kiosk through NIPR or Sircon

    Here's what makes Utah unusual: you apply for the license the same day, before you leave. Immediately after passing, use the kiosk at the Prometric test center to file your application via NIPR or Sircon. You'll pay the $70 producer application fee, a $5 Utah electronic commerce fee, and the $32 FBI/BCI fingerprint fee ($12 FBI + $20 BCI) by credit card — then print the confirmation page. Utah requires the application after the exam; you can't pre-file.

  5. 5

    Get fingerprinted before you leave the test center

    All new Utah resident licensees must complete a live-scan fingerprint background check, done right at the Prometric test center. Pay the separate $6 Prometric fingerprint processing fee online (wait until after you've passed — it's nonrefundable), show the supervisor your passing score report and application confirmation page, and get scanned. UID typically processes clean applications in 5-10 business days, though the FBI/BCI check can take up to 30 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 electronically with UID through Sircon or NIPR; if you're joining an agency, they'll typically handle this for you.

What's on the Utah P&C exam

The Utah Combined Property & Casualty exam (Prometric Series 17-04) has 150 multiple-choice questions, a 2.5-hour time limit, and a 70% passing score — and the combined exam produces one final score, so you pass or fail it as a whole. It covers the standard NAIC framework plus Utah-specific statutes from Title 31A of the Utah Code and the R590 administrative rules. Section weights from the official Prometric content outline:

  • Insurance regulation (Utah Code Title 31A) — 11%
  • General insurance principles — 10%
  • Property & casualty basics — 12%
  • Dwelling policy — 4%
  • Homeowners policy — 12%
  • Auto insurance (incl. Utah no-fault/PIP rules) — 13%
  • Commercial Package Policy — 11%
  • Businessowners policy — 8%
  • Workers compensation — 11%
  • Other coverages and options — 8%

Auto insurance is the heaviest single section, and Utah's no-fault personal injury protection (PIP) rules are a reliable source of exam questions — drill them. Try our free Utah practice exam to see where you stand before booking with Prometric.

Why Utah's one-visit process is a real advantage

In most states, licensing is a relay race across vendors: test with one company, get fingerprinted with another, then file an application days later and wait. Utah compresses all of it into one trip. You pass the exam at a Prometric test center, walk to an on-site kiosk to file your NIPR or Sircon application and pay every fee by credit card, then hand the printed confirmation to the test-center supervisor and get live-scan fingerprinted on the spot. One important quirk: Utah won't let you apply before passing the exam — the application always comes after — and if you leave the building without being fingerprinted, you'll have to book a return trip. Plan your test day so you have an extra 30–45 minutes after the exam.

CE requirements after licensing

Utah producer licenses run on a biennial cycle tied to your birth month: the license expires on the last day of your birth month every two years, and your first renewal lands anywhere from 24 to 35 months after issuance — so many new producers get a longer-than-usual first cycle. Each cycle requires 24 hours of UID-approved continuing education, including 3 hours of ethics. Utah adds a wrinkle most states don't: at least half of your CE (12 hours) must be classroom or classroom-equivalent (live webinars count); the other 12 can be self-study. Renewal costs $70 through NIPR or Sircon.

Cost breakdown

  • Exam-prep course: $49.99 with Elite Training Academy
  • Prometric exam fee: $44 combined P&C ($32 single-line), per attempt
  • UID license application: $70, plus $5 Utah electronic commerce fee
  • Fingerprinting: $32 FBI/BCI fee ($12 FBI + $20 BCI) + $6 Prometric processing fee
  • NIPR/Sircon transaction fee: ~$5-$7
  • Biennial renewal: $70 + CE course costs ($30-$200 depending on provider)

All-in, plan on roughly $170-$230 to go from zero to licensed. With no mandatory pre-licensing course and a $44 exam, Utah is one of the cheaper states in the country to get licensed in — the biggest variable is whether you pass on the first attempt.

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Frequently asked questions

Does Utah require pre-licensing education?

No. The Utah Insurance Department states directly that "Utah has no pre-licensing requirements for licensure" — for any line, including property & casualty, life, and health. The department doesn't even publish study materials; it points candidates to third-party exam-prep providers. A solid prep course is strongly recommended (the exam is real), but no course completion certificate is required.

How many questions is the Utah insurance exam?

The Combined Property & Casualty exam (Prometric Series 17-04) has 150 multiple-choice questions with a 2.5-hour time limit. Single-line exams (Property only, Casualty only, Life, or Accident & Health) have 100 questions with a 2-hour limit. Exams may also include a few unscored experimental questions. You need 70% to pass.

How much does the Utah insurance exam cost?

$44 per attempt for a combined exam (Property & Casualty, or Life + Accident & Health) and $32 per attempt for a single-line exam, per Prometric's Utah Licensing Information Bulletin. Fees are nonrefundable — if you fail or miss your appointment, you pay again, which is why practice-exam prep pays for itself.

How much does a Utah insurance license cost in total?

Roughly $220 all-in for a combined P&C license: $49.99 for exam prep, $44 for the Prometric exam, $70 for the license application, $5 Utah electronic commerce fee, $32 FBI/BCI fingerprint fee, $6 Prometric fingerprint processing fee, plus a small NIPR or Sircon transaction fee. Required state and vendor fees alone come to about $160-$165.

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

Typically 3-5 weeks, and most of that is study time. Because Utah has no pre-licensing requirement and the exam, application, and fingerprinting all happen in one test-center visit, the clock is mostly: 2-4 weeks of exam prep, one day at Prometric, then 5-10 business days of UID processing (the FBI/BCI fingerprint check can stretch to 30 days in some cases).

Does Utah require fingerprinting for an insurance license?

Yes. All first-time Utah resident applicants must complete a live-scan fingerprint background check, done at a Prometric test center. The cost is $38 total: a $32 FBI/BCI fee ($12 FBI + $20 BCI) paid during the online application, plus a $6 Prometric processing fee. If you already hold a Utah resident license and are adding a line, no new fingerprints are needed.

Can I take the Utah exam and apply for my license on the same day?

Yes — Utah is built for it. After you pass at the Prometric test center, you file your license application at an on-site kiosk through NIPR or Sircon, pay all fees by credit card, print the confirmation page, and get fingerprinted before you leave. One trip covers the exam, the application, and the background check. If you leave without being fingerprinted, you'll have to schedule a return visit.

What are Utah's continuing education requirements?

24 hours of UID-approved continuing education every 2-year license period, including 3 hours of ethics. At least half (12 hours) must come from classroom or classroom-equivalent courses; up to 12 hours can be self-study. Licenses renew every two years at the end of your birth month ($70 renewal fee) — your first renewal lands 24 to 35 months after issuance, so you may get extra runway on cycle one.

Related guides

Sources cited

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