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LICENSE LOOKUP

Insurance Agent License Lookup by State

P&C, life, health, and surplus lines agents

ALAlabamaAlabama Department of InsuranceAKAlaskaAlaska Division of InsuranceAZArizonaArizona DOI Agent SearchARArkansasArkansas Insurance DepartmentCACaliforniaCalifornia CDI Agent SearchCOColoradoColorado DOI Agent SearchCTConnecticutConnecticut Insurance DepartmentDEDelawareDelaware Department of InsuranceFLFloridaFlorida DFS Agent SearchGAGeorgiaGeorgia OCI Agent SearchHIHawaiiHawaii Insurance DivisionIDIdahoIdaho Department of InsuranceILIllinoisIllinois DOI Agent SearchINIndianaIndiana Department of InsuranceIAIowaIowa Insurance DivisionKSKansasKansas Insurance DepartmentKYKentuckyKentucky Department of InsuranceLALouisianaLouisiana Department of InsuranceMEMaineMaine Bureau of InsuranceMDMarylandMaryland Insurance AdministrationMAMassachusettsMassachusetts Division of InsuranceMIMichiganMichigan DIFS Agent SearchMNMinnesotaMinnesota Department of Commerce InsuranceMSMississippiMississippi Insurance DepartmentMOMissouriMissouri Department of InsuranceMTMontanaMontana Commissioner of Securities and InsuranceNENebraskaNebraska Department of InsuranceNVNevadaNevada DOI Agent SearchNHNew HampshireNew Hampshire Insurance DepartmentNJNew JerseyNew Jersey Department of Banking and InsuranceNMNew MexicoNew Mexico Office of Superintendent of InsuranceNYNew YorkNew York DFS Agent SearchNCNorth CarolinaNorth Carolina DOI Agent SearchNDNorth DakotaNorth Dakota Insurance DepartmentOHOhioOhio DOI Agent SearchOKOklahomaOklahoma Insurance DepartmentOROregonOregon Insurance DivisionPAPennsylvaniaPennsylvania Insurance Department SearchRIRhode IslandRhode Island Insurance DivisionSCSouth CarolinaSouth Carolina Department of InsuranceSDSouth DakotaSouth Dakota Division of InsuranceTNTennesseeTennessee Department of Commerce InsuranceTXTexasTexas TDI Agent SearchUTUtahUtah Insurance DepartmentVTVermontVermont Department of Financial RegulationVAVirginiaVirginia SCC Agent SearchWAWashingtonWashington OIC Agent SearchWVWest VirginiaWest Virginia Offices of the Insurance CommissionerWIWisconsinWisconsin Office of the Commissioner of InsuranceWYWyomingWyoming Department of Insurance
Insurance Agent licensing guide

Who needs a insurance agent license

Anyone who sells, solicits, or negotiates insurance for compensation must hold a producer license from the state insurance department. Licenses are issued by line of authority, such as life, accident and health, property, casualty, and personal lines, so an agent licensed to sell auto insurance is not automatically authorized to sell life policies. Adjusters, public adjusters, and some consultants are licensed separately.

Agents who work in more than one state usually hold a resident license in their home state and nonresident licenses elsewhere. Insurance companies also appoint agents, which is a separate step showing that a particular insurer has authorized the agent to represent it. Checking the license before buying coverage confirms that the person is authorized to sell the product you are buying and gives you a contact point at the insurance department if something goes wrong.

How to look up a insurance agent license

  1. Gather the agent's name, the agency name, and if possible their National Producer Number (NPN) or state license number.
  2. Choose the state where you are buying the policy above and open the insurance department's producer lookup. Many departments use the NAIC's State Based Systems or a similar portal.
  3. Confirm that the license is active and lists the line of authority for the product you are buying, such as life or property and casualty.
  4. Check any appointments and regulatory actions shown. If none are listed, the department's enforcement or consumer services page may publish orders separately.

What license status terms mean

Active
The producer is licensed in that state for the listed lines of authority. Confirm the line matches the coverage being sold.
Inactive
The license exists but the producer cannot transact business. Some states use this status when an agent has no current appointment or has asked to stop.
Lapsed or expired
The license was not renewed, often because continuing education or the renewal filing was not completed. The producer cannot sell until reinstated.
Suspended
The insurance department has temporarily removed the producer's authority, usually after an enforcement action. Revoked licenses are ended outright.

Renewal and continuing education

Producer licenses are renewed on a cycle set by each state, commonly every two years. Renewal generally requires continuing education credits, often including a portion on ethics, and agents who sell certain products such as annuities or long-term care insurance may need additional product-specific training. Nonresident producers often satisfy continuing education through their home state. Requirements change, so confirm with the state insurance department.

A practical verification tip

Before paying a premium, also confirm that the insurance company itself is authorized to write coverage in your state. Most insurance departments offer a company lookup next to the producer search. A licensed agent placing coverage with an unauthorized insurer is a warning sign, and premium payments should generally go to the insurer or a licensed agency rather than to a personal account. Keeping copies of both records helps if a claim dispute arises later. If an agent asks you to cancel an existing policy and replace it, take time to compare the old and new coverage in writing, because replacement can affect waiting periods, cash values, and exclusions.

Frequently Asked Questions

Common questions

What is a National Producer Number?
The NPN is a unique identifier assigned through the National Insurance Producer Registry. It follows the agent across states and makes multistate lookups easier.
Does a license mean the agent can sell any insurance company's policies?
No. The agent also needs an appointment from each insurer they represent. Some state lookups list current appointments.
Can I verify an agent licensed in another state?
Yes. Check the agent's resident state and the state where you are buying coverage. An agent selling to you usually needs a license, resident or nonresident, in your state.
Where do I report a problem with an agent?
Contact the consumer services or complaints division of the state insurance department that issued the license.