How Much Does It Cost to Get an Insurance License in Texas?
September 10, 2026 · PassReadyPro Team
Texas is the one state of the three where you'll pay for a background check before you can even sit your exam. Here's the full breakdown.
Quick answer: Plan on roughly $140–$150 in state, exam, and fingerprinting fees for General Lines – Property & Casualty, or a little less for Life, Accident & Health — on top of your pre-licensing course.
The fingerprint background check (paid to IdentoGO, required before your exam)
Texas requires a fingerprint-based background check through IdentoGO, scheduled through TDI's online application and fingerprint portal, and it has to be completed before your exam registration is valid — unlike Oklahoma or Arizona, where the background check happens at the license-application stage instead. Budget roughly $40–$50 for this, payable directly to IdentoGO.
The exam fee (paid to Pearson VUE)
Texas exams are administered by Pearson VUE. Fees vary by license line:
- General Lines – Property & Casualty: ~$49 per attempt.
- General Lines – Life, Accident & Health / Life Agent: ~$39 per attempt.
- Limited Lines: ~$29 per attempt.
Confirm the current fee on Pearson VUE's Texas insurance exam page before registering.
The license application fee (paid through NIPR or TDI)
Texas charges roughly $50 for the license application, submitted through NIPR or directly with TDI once you've passed and completed your fingerprinting.
Putting it all together
| Item | Typical cost |
|---|---|
| Fingerprint background check (IdentoGO) | ~$40–$50 |
| Pearson VUE exam fee (P&C, per attempt) | ~$49 |
| License application fee | ~$50 |
| Pre-licensing course | Varies by provider |
That puts the fixed state/vendor total at roughly $140–$150 for Property & Casualty, a bit less for Life, Accident & Health given its lower exam fee. Add your pre-licensing course on top — our Texas courses are a flat rate per license line with unlimited timed practice exams and a Pass Guarantee.
Schedule your fingerprinting early: since it has to clear before your exam counts, leaving it until the last minute is the most common way Texas candidates delay their own timeline.
Related reading
Frequently asked questions
Why does Texas require fingerprinting before the exam?+
Texas ties the background check to your exam eligibility rather than to the license application stage, so it has to be completed and cleared before your exam registration is valid.
Does the exam fee vary by license line?+
Yes — General Lines Property & Casualty runs about $49 per attempt, Life, Accident & Health or Life Agent about $39, and Limited Lines about $29.
What happens if I fail — do I pay for fingerprinting again?+
No — the fingerprint background check is a one-time requirement, not a per-attempt fee. You'll only pay the exam fee again for a retake.
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This article is for general informational purposes and reflects our understanding of Texas's licensing process at the time of writing. Requirements and procedures change — always verify current details with the Texas Department of Insurance or your exam administrator before relying on anything here.