For licensed agents

Nonresident license costs in every state

Already licensed in your home state? You can add other states without another exam. Here's what each state costs, how to apply through NIPR, and where your license dollar reaches the most people.

Your home state

Lines

Pick your home state to see your exact fees. A few states charge you whatever your home state charges their agents.

Most reach for your money

#1
Michigan
$15.60
10.1 million people
$1.54 per million people
#2
Texas
$55.60
31.7 million people
$1.75 per million people
#3
Ohio
$25.60
11.9 million people
$2.15 per million people
#4
Virginia
$35.60
8.9 million people
$4.01 per million people
#5
New York
$85.60est.
20.0 million people
$4.28 per million people
#6
California
$193.60
39.4 million people
$4.92 per million people
#7
Florida
$118.10
23.5 million people
$5.03 per million people
#8
South Carolina
$30.60
5.6 million people
$5.49 per million people
#9
Washington
$60.60
8.0 million people
$7.57 per million people
#10
Tennessee
$55.60
7.3 million people
$7.60 per million people

Fee vs. reach

Every state, ranked

						Value	Notes
1	Michigan	$15.60	No renewal	10.1 million	$1.54	Best value
2	Texas	$55.60	$27.80	31.7 million	$1.75	Best value
3	Ohio	$25.60	$15.30	11.9 million	$2.15	Best value
4	Virginia	$35.60	$12.80	8.9 million	$4.01	Best value
5	New York	$85.60est.	$42.80	20.0 million	$4.28	Best value	Fee depends on home stateest.Limited carriers
6	California	$193.60	$96.80	39.4 million	$4.92	Worth the price	Fingerprints
7	Florida	$118.10	No renewal	23.5 million	$5.03	Worth the price	Fingerprints
8	South Carolina	$30.60	$15.30	5.6 million	$5.49	Best value
9	Washington	$60.60	$30.30	8.0 million	$7.57	Best value
10	Tennessee	$55.60	$32.80	7.3 million	$7.60	Best value	Fee depends on home state
11	Pennsylvania	$115.60	$57.80	13.1 million	$8.85	Worth the price
12	Maryland	$59.60	$37.30	6.3 million	$9.51	Best value
13	Georgia	$125.60	$55.30	11.3 million	$11.11	Worth the price
14	North Carolina	$149.60	No renewal	11.2 million	$13.36	Worth the price
15	Indiana	$95.60	$47.80	7.0 million	$13.71	Best value	Fee depends on home state
16	Kansas	$45.60	$22.80	3.0 million	$15.32	Cheap add
17	Arizona	$125.60	$31.40	7.6 million	$16.47	Worth the price
18	Alabama	$85.60	$37.80	5.2 million	$16.48	Best value
19	New Mexico	$35.60	$32.80	2.1 million	$16.75	Cheap add
20	Missouri	$105.60	$52.80	6.3 million	$16.84	Worth the price
21	Iowa	$55.60	$18.53	3.2 million	$17.17	Cheap add	Fingerprints
22	Louisiana	$80.60	$40.30	4.6 million	$17.45	Cheap add
23	New Jersey	$175.60	$77.80	9.5 million	$18.39	Worth the price
24	Minnesota	$115.60	$57.80	5.8 million	$19.83	Worth the price
25	Utah	$80.60	$40.30	3.5 million	$22.78	Cheap add
26	Colorado	$141.60	$42.80	6.0 million	$23.55	Worth the price
27	Arkansas	$75.60	$37.80	3.1 million	$24.27	Cheap add
28	Oregon	$105.60	$32.80	4.3 million	$24.71	Only with a reason
29	Wisconsin	$155.60	$37.80	6.0 million	$26.05	Worth the price
30	Illinois	$385.60	$192.80	12.7 million	$30.32	Worth the price
31	Oklahoma	$125.60	$52.80	4.1 million	$30.46	Only with a reason
32	West Virginia	$55.60	$27.80	1.8 million	$31.48	Cheap add
33	Massachusetts	$230.60	$76.87	7.2 million	$32.23	Worth the price
34	Kentucky	$155.60	$27.80	4.6 million	$33.78	Only with a reason
35	Mississippi	$106.60	$52.80	3.0 million	$36.08	Only with a reason
36	South Dakota	$35.60	$27.80	935,000	$38.07	Cheap add
37	Connecticut	$145.60	$82.80	3.7 million	$39.47	Only with a reason
38	Idaho	$85.60	$32.80	2.0 million	$42.17	Cheap add
39	Maine	$60.60	No renewal	1.4 million	$42.83	Cheap add
40	Nebraska	$105.60est.	$52.80	2.0 million	$52.33	Only with a reason	Fee depends on home stateest.
41	Nevada	$190.60	$63.53	3.3 million	$58.07	Only with a reason
42	Montana	$105.60	$27.80	1.1 million	$92.25	Only with a reason	Fingerprints
43	Vermont	$65.60	$17.80	645,000	$101.76	Cheap add	Fee depends on home state
44	Alaska	$80.60	$40.30	737,000	$109.32	Cheap add
45	Rhode Island	$135.60	$67.80	1.1 million	$121.67	Only with a reason
46	Delaware	$130.60	$65.30	1.1 million	$123.21	Only with a reason
47	North Dakota	$105.60	$15.30	799,000	$132.11	Only with a reason
48	District of Columbia	$105.60	$52.80	694,000	$152.24	Only with a reason
49	New Hampshire	$215.60	$77.80	1.4 million	$152.33	Only with a reason
50	Hawaii	$230.60	$77.80	1.4 million	$160.94	Only with a reason
51	Wyoming	$155.60	$77.80	589,000	$264.29	Only with a reason

#1MichiganBest value
To get it
$15.60
To keep it
No renewal
People
10.1 million
Per million
$1.54
#2TexasBest value
To get it
$55.60
To keep it
$27.80
People
31.7 million
Per million
$1.75
#3OhioBest value
To get it
$25.60
To keep it
$15.30
People
11.9 million
Per million
$2.15
#4VirginiaBest value
To get it
$35.60
To keep it
$12.80
People
8.9 million
Per million
$4.01
#5New YorkBest value
To get it
$85.60est.
To keep it
$42.80
People
20.0 million
Per million
$4.28
Fee depends on home stateest.Limited carriers
#6CaliforniaWorth the price
To get it
$193.60
To keep it
$96.80
People
39.4 million
Per million
$4.92
Fingerprints
#7FloridaWorth the price
To get it
$118.10
To keep it
No renewal
People
23.5 million
Per million
$5.03
Fingerprints
#8South CarolinaBest value
To get it
$30.60
To keep it
$15.30
People
5.6 million
Per million
$5.49
#9WashingtonBest value
To get it
$60.60
To keep it
$30.30
People
8.0 million
Per million
$7.57
#10TennesseeBest value
To get it
$55.60
To keep it
$32.80
People
7.3 million
Per million
$7.60
Fee depends on home state
#11PennsylvaniaWorth the price
To get it
$115.60
To keep it
$57.80
People
13.1 million
Per million
$8.85
#12MarylandBest value
To get it
$59.60
To keep it
$37.30
People
6.3 million
Per million
$9.51
#13GeorgiaWorth the price
To get it
$125.60
To keep it
$55.30
People
11.3 million
Per million
$11.11
#14North CarolinaWorth the price
To get it
$149.60
To keep it
No renewal
People
11.2 million
Per million
$13.36
#15IndianaBest value
To get it
$95.60
To keep it
$47.80
People
7.0 million
Per million
$13.71
Fee depends on home state
#16KansasCheap add
To get it
$45.60
To keep it
$22.80
People
3.0 million
Per million
$15.32
#17ArizonaWorth the price
To get it
$125.60
To keep it
$31.40
People
7.6 million
Per million
$16.47
#18AlabamaBest value
To get it
$85.60
To keep it
$37.80
People
5.2 million
Per million
$16.48
#19New MexicoCheap add
To get it
$35.60
To keep it
$32.80
People
2.1 million
Per million
$16.75
#20MissouriWorth the price
To get it
$105.60
To keep it
$52.80
People
6.3 million
Per million
$16.84
#21IowaCheap add
To get it
$55.60
To keep it
$18.53
People
3.2 million
Per million
$17.17
Fingerprints
#22LouisianaCheap add
To get it
$80.60
To keep it
$40.30
People
4.6 million
Per million
$17.45
#23New JerseyWorth the price
To get it
$175.60
To keep it
$77.80
People
9.5 million
Per million
$18.39
#24MinnesotaWorth the price
To get it
$115.60
To keep it
$57.80
People
5.8 million
Per million
$19.83
#25UtahCheap add
To get it
$80.60
To keep it
$40.30
People
3.5 million
Per million
$22.78
#26ColoradoWorth the price
To get it
$141.60
To keep it
$42.80
People
6.0 million
Per million
$23.55
#27ArkansasCheap add
To get it
$75.60
To keep it
$37.80
People
3.1 million
Per million
$24.27
#28OregonOnly with a reason
To get it
$105.60
To keep it
$32.80
People
4.3 million
Per million
$24.71
#29WisconsinWorth the price
To get it
$155.60
To keep it
$37.80
People
6.0 million
Per million
$26.05
#30IllinoisWorth the price
To get it
$385.60
To keep it
$192.80
People
12.7 million
Per million
$30.32
#31OklahomaOnly with a reason
To get it
$125.60
To keep it
$52.80
People
4.1 million
Per million
$30.46
#32West VirginiaCheap add
To get it
$55.60
To keep it
$27.80
People
1.8 million
Per million
$31.48
#33MassachusettsWorth the price
To get it
$230.60
To keep it
$76.87
People
7.2 million
Per million
$32.23
#34KentuckyOnly with a reason
To get it
$155.60
To keep it
$27.80
People
4.6 million
Per million
$33.78
#35MississippiOnly with a reason
To get it
$106.60
To keep it
$52.80
People
3.0 million
Per million
$36.08
#36South DakotaCheap add
To get it
$35.60
To keep it
$27.80
People
935,000
Per million
$38.07
#37ConnecticutOnly with a reason
To get it
$145.60
To keep it
$82.80
People
3.7 million
Per million
$39.47
#38IdahoCheap add
To get it
$85.60
To keep it
$32.80
People
2.0 million
Per million
$42.17
#39MaineCheap add
To get it
$60.60
To keep it
No renewal
People
1.4 million
Per million
$42.83
#40NebraskaOnly with a reason
To get it
$105.60est.
To keep it
$52.80
People
2.0 million
Per million
$52.33
Fee depends on home stateest.
#41NevadaOnly with a reason
To get it
$190.60
To keep it
$63.53
People
3.3 million
Per million
$58.07
#42MontanaOnly with a reason
To get it
$105.60
To keep it
$27.80
People
1.1 million
Per million
$92.25
Fingerprints
#43VermontCheap add
To get it
$65.60
To keep it
$17.80
People
645,000
Per million
$101.76
Fee depends on home state
#44AlaskaCheap add
To get it
$80.60
To keep it
$40.30
People
737,000
Per million
$109.32
#45Rhode IslandOnly with a reason
To get it
$135.60
To keep it
$67.80
People
1.1 million
Per million
$121.67
#46DelawareOnly with a reason
To get it
$130.60
To keep it
$65.30
People
1.1 million
Per million
$123.21
#47North DakotaOnly with a reason
To get it
$105.60
To keep it
$15.30
People
799,000
Per million
$132.11
#48District of ColumbiaOnly with a reason
To get it
$105.60
To keep it
$52.80
People
694,000
Per million
$152.24
#49New HampshireOnly with a reason
To get it
$215.60
To keep it
$77.80
People
1.4 million
Per million
$152.33
#50HawaiiOnly with a reason
To get it
$230.60
To keep it
$77.80
People
1.4 million
Per million
$160.94
#51WyomingOnly with a reason
To get it
$155.60
To keep it
$77.80
People
589,000
Per million
$264.29

How to choose your states

The fee is the smallest cost of a new state. Your time, your leads and your carriers matter more. Ask three questions, in this order:

Is there demand? Do you have leads, referrals, family or clients there? License where the business is.
Can you write there? Check that your carriers offer your products in that state.
Is the price right for the reach? When two states fit, pick the one that puts more people within reach for the money.

Demand decides. Dollars break ties.

How to get a nonresident license through NIPR

1.
Check your home license. It has to be active, and a nonresident license can only include lines you hold at home. Want Health in every state? Add it to your home license first. Have your NPN (National Producer Number) ready. Find your NPN
2.
Sign in to NIPR's LicenseHub. Sign in as an individual with your NPN or Social Security number and your date of birth. Open LicenseHub
3.
Start the application. Choose Producer, then Initial, then Non-Resident. Pick the state, then your lines: Life, plus Accident & Health if you hold it. Each state is its own application.
4.
Confirm your details. Check your addresses, contact information and five years of work history, then answer the background questions. If you answer yes to any, you'll upload supporting documents through NIPR after you submit.
5.
Pay and submit. Pay the state fee plus NIPR's $5.60 by card or electronic check. Fees aren't refunded, so double-check the state and lines before you pay.
6.
Watch your email. Most states review applications in 7 to 10 days. Once your license is issued, you can print it from the state's licensing site.
7.
Get appointed before you sell. Make sure your carriers have appointed you in the state before you write business there.
8.
Keep it active. Renew through NIPR before it expires. Most states open renewals 60 to 120 days ahead, and most accept your home state's continuing education for nonresident licenses.

How we calculate this

To get it is the state's fee for a new nonresident producer license plus NIPR's $5.60 transaction fee. Applying through a different platform can add that platform's fees.

To keep it is the state's renewal fee plus NIPR's $5.60, divided by the years between renewals.

People are Census Bureau population estimates for July 1, 2025.

Per million people is the cost to get licensed divided by the state's population in millions. Lower means more reach for your money.

Value: big states have 5 million people or more; a low fee is $100 or less, all in.

Some states charge nonresidents more, based on what their home state charges. Pick your home state to apply those fees. Where a state doesn't publish a table, we estimate and mark the fee "est."

A few states ask nonresidents for fingerprints, sometimes only from certain home states. When yours does, To get it includes that fee. The site that takes your prints may charge a little extra.

Fees and rules change. Check the state's NIPR page before you pay. Last checked November 2026.

New to licensing? Start with your home state →

Building your business across state lines?

Momentous agents work in more than 30 states. If you're licensed and want a team that helps you grow, start with a conversation.

Schedule your interview Contact us