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Licensed Insurance Agents: How to Transfer Your License When Moving to Another State

Moving to a new residence always brings up challenges, especially when you’re changing states. There’s plenty of documents to transfer over and paperwork to fill out, in addition to moving all your stuff. If you’re a licensed insurance agent, you also need to get your insurance license transferred over to your new state of residence.

filling out the paperwork

Reciprocity Programs

Most states will recognize your current license and the hard work you’ve put into obtaining and maintaining it. Each state has their own reciprocity system that you’ll need to work through when transferring insurance licenses. These processes are very similar from state to state, but there are some differences in protocol. Contact the state’s insurance department for specific details on this process.

You need to send an application to your new state’s insurance department for a transfer. Most of the time it’s not necessary to re-take all the coursework and exams for a new license. Many states want to see that you’ve had your license for some predetermined amount of time before you send this application.

Ensure you work through the reciprocity process in a timely fashion. Most states give you 90 days to cancel your previous license and get it transferred over. If you wait too long to complete the process, or the state you’re moving to doesn’t have a reciprocity system, then you’re out of luck; you’ll need to retake the exam and any other required coursework.

 

Certificate of Good Standing

Your next step to take in transferring your license is to obtain a certificate of good standing from your current state’s insurance department. Send the certificate with any other documents and materials needed for a license in your new state. Most states only require an application and a fee, but providing a certificate of good standing will make the process smoother.

insurance agent consults with clients

Your New State May Require a Clearance Letter

Some states will also want to see a letter of clearance and certification. Sending in the request for a clearance letter to your previous state will cancel your license there. So, make sure you have all your documents in order and meet all other requirements before getting a clearance letter.

You can contact the state’s insurance department to find out exactly which form to fill out and send in for clearance. There is a fee included with this request for most states—usually around $30. Most clearance letter requests take around two weeks to process.

States will often give you the option to simultaneously transfer your resident license to the new state as well. You’ll have around 30 days to contact the insurance department with your new address. If you wait too long, you may have to submit a new application and pay licensing fees for your new resident license.

Keeping your insurance license is straightforward once you obtain it and stay active with it. Most states will let you transfer it over hassle-free as long as you fill out any paperwork they request. Get in touch with your new state’s department of insurance as soon as possible for the details of this process.

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Jamie Arnold
Jamie Arnold
10 months ago

Hi, My question is – what happens to your current clients while you are in the process? Do you lose them or will they stay with you once all the transfer paperwork is done? I would hate to make the move with the DOI and then find out I can’t service my clients or need to AOR them. Thanks.

America's Professor - DCM
Admin
Reply to  Jamie Arnold

Hi Jamie, I think you want to contact the Department of Insurance and ask about the specifics. We know you’re not the first person to complete this transition so there should be a process they can provide for you. The particulars are a bit out of the “Test World” realm we live in so I’d prefer you touch bases with the DOI. Good luck!

Ruby
Ruby
1 month ago
Reply to  Jamie Arnold

did you loose your clients ?? I’m in the process of moving as well and I’m just curious about that …..

Sassan Babai
Sassan Babai
2 years ago

Where can I find of list of states with reciprocity with Ohio for property and casualty licensing? Thank you

America's Professor - DCM
Admin
Reply to  Sassan Babai

Hi Susan, We don’t really have a list for reciprocal states as most of the time it is recommended that you call each state’s insurance licensing department you are interested in getting a non-resident license for. You could call the Ohio licensing division (614-644-2665) and see if they have an up-to-date list. Good luck! 🙂

Rashad Roberts
Rashad Roberts
2 years ago

I have an Accident & Health insurance license in Pennsylvania. I know I would need to keep a non-resident producer license in PA. I’m thinking of moving to New Jersey. What’s the first step I should take?

America's Professor - DCM
Admin
Reply to  Rashad Roberts

Hi Rashad, We always recommend calling the Department of Insurance of the state you are moving to first (NJ). They generally require a cancellation letter from the state’s Department of Insurance you are moving out of (PA). They (NJ) will usually give you “x” amount of days to transfer your license over without having to take the insurance license exam. You would then apply for a non-resident in PA. It’s always good to speak with both state’s Department of Insurance to make sure there aren’t any special exceptions. Good luck!

John
John
2 years ago

So if I’m moving to another state. Can I take the exam in my current state for the state I’m moving to?

America's Professor - DCM
Admin
Reply to  John

Hi John, Often you can if the testing company is the same in both states (Pearson VUE, PSI Exams, etc.). Each testing facility has different capabilities so first make sure your new state’s exam provider has a location in your current state and second, call the local testing company and make sure they can load the new state’s exam. Good luck!

Krista
Krista
1 year ago

Hi my name is Krista and I am moving from Las Vegas Nevada to Colorado Springs Colorado. I am a licensed producer in Las Vegas and would like to keep my license as well as get licensed in Colorado. My question for you is how do I do both as easily as possible. I’ve got a lot going on with the move and would like to be prepared if with all my paperwork ahead of time. Please let me know your thoughts on the subject. Thank you

America's Professor - DCM
Admin
Reply to  Krista

Hello Krista, You will want to make sure with the Colorado Insurance Department that they will accept license (which they usually will) but they will request that you get a clearance letter from Nevada’s Insurance Department and then apply for your license in Colorado within a certain time frame. After you move, you then apply for a non-resident license in Nevada (check NIPR for information on that). I’m sure once you speak to the Colorado Insurance Department they will get you squared away. Good luck to you!

Magdalena Halper
Magdalena Halper
1 year ago

Hi I’m planning on moving to eirher Texas or Florida from NYS, where I currently reside and work as licensed insurance broker. What do I do after I settle down in FL or Texas to get licensed in the new state where I will be residing? I keep applying for jobs as a broker in FL and TX and traveling for interviews, so I want to make sure I have all my ducks in a row by the time I get the offer and move to either state, and join a new brokerage. I appreciate your taking the time to… Read more »

America's Professor - DCM
Admin

Hello Magdalena, You will want to look at the National Insurance Producer Registry website to see the requirements of each state you plan to work in. Good luck!

Magda
Magda
8 months ago

Thank you

Nancy
Nancy
1 year ago

Held my Georgia license, and recently moved to New Mexico. What are the requirements if I move back to Georgia? Can my license in New Mexico now be transferred back to Georgia?

America's Professor - DCM
Admin
Reply to  Nancy

Hello Nancy, More than likely you would request a clearance letter from New Mexico and then have so many days to apply for your Georgia license. As previously mentioned, it’s always best to contact the Department of Insurance in the state you are moving to (Georgia DOI: 800-656-2298). Good luck!

Patricia Diaz
Patricia Diaz
1 year ago

I’m currently living in Kansas but will be moving to Colorado soon, I’ve only had my p&c and life license for 3 months. When I move to Colorado do I have to retake test or can it transfer over?

America's Professor - DCM
Admin
Reply to  Patricia Diaz

Hello Patricia, You will want to call the Department of Insurance in Colorado (1-800-930-3745). Often you can get a clearance letter from the state you are moving from (Kansas) and be given an amount of days to apply for your license in the new state (Colorado) without having to retest. Good luck!

Joe Knight
Joe Knight
1 year ago

Hi, just moved from Indiana to Colorado. I’ve filled out the service request form to cancel my IN license.
1 – where do I mail/email/fax it to? – site was unclear
2 – how much is the transfer fee? If I remember from licensing, it was $30 and How can I pay it?
3 – What else do I need to do?

America's Professor - DCM
Admin
Reply to  Joe Knight

Hi Joe, These are all questions best answered by your Departments of Insurance. Usually your old state (Colorado) would be able to provide a Letter of Clearance (“LOC” – info) for you to be able reapply for your license in your new state. It’s always best to call the licensing divisions (CO: 1-800-930-3745, IN: 1-317-232-2389) just to make sure you are covering your bases. Good luck!

Anja Carter
Anja Carter
1 year ago

Hello,
I’ve just gotten my P and C license and will be testing for L and H next week in Colorado. I’m moving to Washington in 4 weeks and am concerned by how long it might take to get my reciprocal license as I do have a position when I get there. Any idea how much of the application I can get done before I move out?

America's Professor - DCM
Admin
Reply to  Anja Carter

Hi Anja, That is a great question. You would definitely want to call the licensing department for both Washington (360-725-7144) and Colorado (303-894-7499) to see if there are any time-saving options. Hopefully that won’t be busy and can expedite your request! Good luck!

Karla
Karla
1 year ago

IS Arizona Property and Casualty reciprocal to FLorida? Meaning can I just apply for FLorida non-resident property and casualty without taking the exam? I can only find info on life but nothing specifically on P&C.

America's Professor - DCM
Admin
Reply to  Karla

Hi Karla, There shouldn’t be any issue with you applying for a non-resident FL license. You can always call the Florida Department of Insurance at (850) 413-3137 to verify though (not a bad idea). Good luck!

Sabe
Sabe
11 months ago

Hello, I moved from IL to MD. I has P&C license in IL and it expired last year. Can I renew that license and get MD license based on that so I don’t have to take license exam again.

America's Professor - DCM
Admin
Reply to  Sabe

Hello Sabe, I don’t think they are going to allow you to do that since you let the license go and you no longer are a resident of IL. You can always call the licensing department to see if they will work with you but I’m guessing that they will make you take the license exam again in MD. Good luck!

Julio Salazar
Julio Salazar
11 months ago

Hi, I recently relocated to MN and have active licenses in TX both P&C & LAH. I have been given different information on going about to transfer my licenses and a bit confused. I would like to keep my licenses in TX if possible. Would you be able to guide me in the right direction?

America's Professor - DCM
Admin
Reply to  Julio Salazar

Hello Julio, You will need to transfer your resident license to MN first. This process usually needs to be done within a couple of months. Once you have transferred your licenses you then would apply for non-resident licenses in Texas. You can’t technically keep your resident licenses in Texas as you no longer live there. You are ALWAYS best off to call the licensing department in both states and tell them what you are doing to verify the process. Usually your new state (MN) will allow you to apply for a license and bypass the testing process as long as… Read more »

Jennifer M. Curcija
Jennifer M. Curcija
11 months ago

I currently have my Accident and Health Insurance Resident license with the state of Pennsylvania. I have non resident licenses in South Carolina, Virginia, District of Columbia and Maryland. Can my Pennsylvania Resident license be transferred to the state of Florida? Or, will I have to take the exam again to become licensed in the state of Florida?

America's Professor - DCM
Admin

Hi Jennifer, You are best off to call the Department of Insurance in Florida (850-413-3140) and ask for the Licensing Department. I believe if you’ve had your license in Pennsylvania for over a year you can transfer it. Good luck!

Joy
Joy
10 months ago

Hi I have an active California P&C license and we moved last year from California to Ohio. I took a break from work, now I am looking for a job. Can I transfer my active CA P&C license to Ohio?

America's Professor - DCM
Admin
Reply to  Joy

Hi Joy, Usually if your license is in good standing you can transfer it. You are always best off to contact the Department on Insurance (Licensing Division) in your new state to find out their specific steps as they are going to be responsible for issuing that new license. Good luck!

Chris
Chris
9 months ago

Can I transfer a 440 license from Florida to PA as a P & C license?

Thanks!

America's Professor - DCM
Admin
Reply to  Chris

Hi Chris, I’m not 100% sure on that one but I don’t think they would convert your Customer Representative license to a Producer license. You should contact the Licensing Department in PA and ask them if they have any special paths for you to follow. Good luck!

Adam Thibeault
Adam Thibeault
8 months ago

So I have an NY Health, Accident and Life license.
I would like to travel back and forth been Massachusetts and New York and stay with my company, but be able to sell in both states. what are the steps in accomplishing this? Thanks so much-Adam

America's Professor - DCM
Admin
Reply to  Adam Thibeault

Hi Adam, It sounds like you want to pick up your non-resident license. Jump over to NIPR.com and see the requirements. Good luck!

TIFFANY RUDBART
TIFFANY RUDBART
8 months ago

HELLO, THIS IS A LITTLE OVERWHELMING LOL. I HAVE EMAILED AND TRIED CALLING FOR INFORMATION HOW TO TRANSFER MY NY AUTO/HOME INSURANCE LICENSE OVER TO PA. I AM MOVING THERE IN 34 DAYS. PLEASE HELP ME .

America's Professor - DCM
Admin

Hi Tiffany, Who have you tried calling and emailing? I’d recommend that you contact the licensing division at the PA Insurance Department and ask them about transferring your license. As mentioned above in this article, usually you can get a clearance letter from your old state (NY) and then transfer to your new state within a certain time frame. These processes are sometimes completed via Sircon.com or NIPR.com (more info.) but we always recommend you try and talk to someone at each department of insurance just to make sure everything goes smoothly. Good luck!

Anne Pauline Quilantang
Anne Pauline Quilantang
6 months ago

I moved to AZ from CA with the CA P&C License. What should I do to use my license here in AZ?

America's Professor - DCM
Admin

Hi Anne, I would recommend calling the Department of Insurance (DOI) in Arizona (Licensing: 602-364-4457) and inquire about transferring your resident license to your new home state of Arizona. There are sometimes non-standard procedures you may have to deal with when either coming or going from California so it’s best to talk to the AZ DOI. Good luck!

Linda
Linda
6 months ago

I am in the process of moving from Mississippi to Texas. Currently we are between locations and are still official residents of Mississippi. I need to transfer my license to Texas but the problem is that it is due for renewal the end of this month which is only a few days away. Should I pay the renewal in Mississippi and then work on transferring it to Texas? Or will that complicate matters?

America's Professor - DCM
Admin
Reply to  Linda

Hi Linda, I think you are going to want to work on the renewal so that your license is in good standings, then work on the transfer. Good luck!

unknown
unknown
5 months ago

i am currently studying california property and casualty exam but i am moving to texas in April. Should i continue with my current course or wait until i am in texas??

America's Professor - DCM
Admin
Reply to  unknown

Hi there! You should call the DOI in Texas and ask them about the transfer process but off hand I think it would be better for you to wait until you move. But if you need to be licensed now, then you should obviously get your license and see if they are going to have you re-test in Texas. Good luck!

Kari Smith
Kari Smith
4 months ago

Can I transfer a FL non resident license to a residence license if I move there?

America's Professor - DCM
Admin
Reply to  Kari Smith

Hi Kari, I believe you can if you have had your existing resident license for longer than a year. You are really transferring your resident license there, non resident licenses are just extensions of your resident license that you pick up in states you aren’t a primary resident of. It usually requires that you get a letter of clearance from your existing state and apply for your new resident license within a certain period. You’re best off to call the Florida Department of Insurance (850-413-3137) and ask the Bureau of Licensing your question. Good luck!

Amnerys Ibsnez
Amnerys Ibsnez
2 months ago

Hi, my question is: What do I have to do to transfer my Georgia P&C agent license to Florida?

America's Professor - DCM
Admin
Reply to  Amnerys Ibsnez

Hi Amnerys, You will want to check with the Department of Insurance in Florida as mentioned above, you may need a clearance letter. Usually Florida requires that you have your Georgia resident license for at least a year before you can transfer it. If not, you will have to take another pre-licensing course in Florida. Good luck!

Bridget Biermann
Bridget Biermann
24 days ago

We moved from MN to AZ and both my husband and I had MN life lice. and my hubby had non-resident AZ and trying to change both of us to AZ resident lice- any help and is AZ and MN reciprocity states

America's Professor - DCM
Admin

Hi Bridget, When it comes to compliance related questions we always recommend that you reach out to your local department of insurance – licensing division. Everyone’s situation is a little different so it’s best to get the information straight from them (licensing@azinsurance.gov or 602-364-4457). Good luck!

Joshua Shaw
Joshua Shaw
16 days ago

I am licensed in casualty, property and life in illinois, but plan on moving to Florida next year. Any idea if i will have to retake test(s) or will my license transfer some how?

America's Professor - DCM
Admin
Reply to  Joshua Shaw

Hi Joshua, If you have had your license for over a year, Florida will more than likely allow you to transfer it with a clearance letter. To be safe, you are best off to give their DOI a call and inquire. Good luck!

Toni Quaresima
Toni Quaresima
9 days ago

What if you want to keep your current license (32 yrs) and get a license in the new state moving to?

America's Professor - DCM
Admin
Reply to  Toni Quaresima

Hi Toni, As mentioned above, check with the state’s department of insurance you are moving to. Usually they will allow you to get a clearance letter from your current state and move your license to the new state within a certain time frame. Good luck!



We make every effort to ensure that the content on our site is accurate but it’s always recommended to you contact your state’s Insurance Licensing Department or Test Provider for information. Thank you. – The AP Team

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