All 50 States and DC
Insurance license exam requirements, state by state.
Pass marks, question counts, prelicensing hours and continuing education for every jurisdiction — verified, and different in every one. Pick yours.
Four jurisdictions do not use a 70% pass mark
| Jurisdiction | Pass mark | What that means |
|---|---|---|
| California | 60% | 90 correct out of 150 scored |
| Mississippi | 65% | Life and health lines only; other lines need 70% |
| Michigan | 75% | 72% on the life-only exam — different per line |
| Montana | 75% | 69 correct out of 92 — only 23 misses |
Every jurisdiction
U
Common questions
Which states have the lowest passing score?
California passes at 60% and Mississippi at 65% on life and health lines. Michigan and Montana are the strictest at 75%. The other 47 jurisdictions use 70%.
Do all states offer a life-only or health-only exam?
No. 35 jurisdictions have a life-only exam and 26 have a health-only exam. Louisiana, Minnesota, Missouri, Oklahoma and Utah test only a combined license, and Texas has a life exam but no health-only exam.
Which state has the most state-law questions?
Missouri weights state law at 45 of 145 scored questions, about 31%. Kentucky is the lightest at roughly 3 questions on the life exam.
Are these guides state-approved prelicensing courses?
No. They are independent study aids and do not satisfy any state prelicensing education requirement.