Insurance Adjuster License Cost by State 2026: Compare Before You Apply

If you’re thinking of becoming an insurance adjuster in the U.S. in 2026, you’re not alone. The demand for adjusters is growing steadily, especially in areas prone to natural disasters. Whether you’re pursuing a public, independent, or staff adjuster license, every state has its own set of fees. Understanding the insurance adjuster license cost by state is essential, as these costs can vary significantly depending on where you plan to get licensed. You can also explore general insurance license cost requirements by state if you’re just starting in the industry.

That cost isn’t the same everywhere. Licensing fees vary widely from state to state, and they often include more than just one payment. You might be looking at exam fees, fingerprinting, continuing education, and renewal costs. This article helps you plan, avoid surprise fees, and make smarter decisions about where and how to get licensed. Let’s break it down, state by state.

Why Insurance Adjuster Licensing Costs Matter?

Licensing is not just a regulatory hoop to jump through. It’s your legal gateway to entering the industry. Understanding the total cost helps you:

• Budget accurately for your career switch or start.
• Choose your Designated Home State (if your state doesn’t license adjusters).
• Plan for ongoing maintenance (renewal, CE credits, etc.)

Breakdown of Key Costs to Become a Licensed Adjuster

The cost components to get an insurance adjuster license include five key fees: pre-licensing course, exam, application/license, fingerprint/background check, and renewal/continuing education.

Below is an easy, conversational breakdown, based on data from industry leaders like Adjuster Pro and 360training, so you know exactly what costs you’ll face:

1. Pre‑Licensing Course: Average Range $100–$500

Most states require a pre-licensing course before you can take the adjuster exam. These fees depend on the state, the complexity of the content, and the inclusion of exam prep tools.

2. Exam Fees: Average Range $30–$150

The basic fee to apply for the license is. Exam registration fees vary by state.

3. Application / Licensing Fee: Average Range $15–$300+

Once you pass the exam, you’ll submit a license application. Some states add vendor transaction fees or bonding amounts.

4. Fingerprinting / Background Check: Average Range $15–$70

Most states require fingerprinting.

5. Renewal & Continuing Education Fees: Average Range $50–$200

Licenses typically expire every 1–2 years and require continuing education (CE) credits.

6. Continuing Education (CE)

Some states require 12–24 hours per renewal cycle.

Note: These are typical ranges. Exact prices depend on your state, license type (e.g., public, CAT, P&C, all-lines), and whether you’re a resident or applying via reciprocity. Always cross-check with your state’s Department of Insurance. For a deeper dive into the entire process, check out our complete guide on how to become an insurance adjuster.

Insurance Adjuster License Cost by State (2026 Edition)

This comprehensive table breaks down the key expenses you’ll face in each state, helping you budget accurately and make informed decisions about where and how to get licensed.

1. Alabama

Insurance Adjuster License Cost in Alabama (For Residents)

• Exam Fees: Each exam attempt costs $75.
• Application Fees: Once you have passed the exam, the very next step is to apply for the license. The application fees cost around $110. You can apply for the license on this page: Insurance application page.
• Fingerprints cost: After submitting your license application, you must complete fingerprinting. Book an appointment to get fingerprinted. The fee is $49.20.
• Renewal: The process is straightforward: complete your continuing education (CE) requirements and submit your renewal application before your license expires. The renewal fee for an adjuster license is $80.

For Non-Resident:

• Application fees: $110
• Renewal: Make sure your home state license remains active and in compliance. Once your home state license is in good standing, you can proceed with the Alabama renewal through the NIPR platform.
• The renewal fee for a non-resident adjuster license in Alabama is $110.

2. Connecticut

Insurance Adjuster License Cost in Connecticut: For Residents

• Exam fees: Once you’ve finished the pre-licensing education course, the next step is to take and pass the Connecticut licensing exam. The exam costs $70, and a minimum score of 70% is required to pass.
• Application fees: After successfully passing the exam, the next step is to apply for your license. The application fee is approximately $130.
• Renewal: Licenses must be renewed every two years. To maintain an active license, a renewal fee of $80 is required.

For non-residents:

Connecticut does not require pre-licensing education for non-resident adjuster licenses.

• Renewal: The renewal fee for non-resident adjusters is $80.

3. Alaska

Insurance Adjuster License Cost in Alaska: For Residents.

• Exam Fee: The Alaska adjuster licensing exam costs $89. A minimum score of 70% is required to pass.
• Application Fee: After passing the exam, you’ll need to apply for your license. The application fee is approximately $75. You can apply for the license at the NIPR Alaska Insurance Application Page here.
• Fingerprinting Fee: As part of the background check, you’ll need to submit your fingerprints. This service typically costs $47.
• Renewal fees: The license expires every two years. You have to complete 24 hrs. of CE (continuing education) and pay the renewal fee of $75.

For Non-Resident:

• Application Fee: The nonresident license application costs approximately $75. Apply for the non-resident here. 
• Renewal: Renewing a non-resident license also costs $75 and requires completion of Continuing Education (CE) requirements.

4. Arizona

Insurance Adjuster License Cost in Arizona: For Residents 

• Exam fees: Once you finish your pre-license course, the next step is to take the Arizona Adjuster Exam. You’ll need to register for the exam on the Prometric website, and the exam fees cost $49. To pass, you’ll want to score at least 70%.
• Application fees: After passing the exam, the next step is to apply for the license. The application fee to submit is $120. Submit your application for a license through the NIPR Arizona Insurance Application portal.
• Fingerprint fees: After you send in your license application, the next thing you need to do is get your fingerprints done for the background check. The fingerprint fee is $31.
• Renewal Fees: The adjuster license lasts for four years. When it’s time to renew, the fee is $210.

For non-residents:

• Application fees: To get a new license, the application fee is $120. 
• Renewal fees: When it’s time to renew, there’s no continuing education requirement, and the renewal fee is also $120.

5. Arkansas

Insurance Adjuster License Cost in Arkansas: For Residents

• Exam fees: After finishing your adjuster pre-license education course, the next step is to pass the Arkansas Adjuster Exam. The exam fee is $40. You’ll need to score at least 70% to pass.
• Application fees: After passing the exam, it’s time to apply for your adjuster license. The application fee is $55. Submit your license application through the NIPR Arkansas Insurance Application page.
• Fingerprint fees: After you’ve sent in your license application, the final step is to get your criminal background check done. It’ll cost you about $24 for fingerprinting.
• Renewal fees: In Arkansas, your adjuster license needs to be renewed every two years. To stay current, you’ll need to finish 24 hours of continuing education and pay a $120 renewal fee.

For Non-residents:

If you’re applying as a non-resident adjuster in Arkansas, here’s what to expect:

• New License fees: The application fee is $120.
• Renewal fees: No separate Arkansas CE requirement – just keep up with the CE rules in your home state. The renewal fee is also $120.

6. California

Insurance Adjuster License Cost in California: For Residents   

• Exam fees: After finishing your adjuster pre-licensing course, the next step is to take the California Adjuster Exam. Each attempt costs $122, which breaks down into a $79 California Department of Insurance fee and a $43 PSI service fee. You’ll need to score at least 70% to pass.
• Application fees: Once you pass the exam (you’ll need at least 70% to do that), the next step is getting your license.
  • You’ll apply through the NIPR California Insurance Application page, and the application fee is $311 per qualified manager.
  • You’ll also need to upload a 2×2 passport-style photo with your application. These can be taken at most pharmacies or post offices and usually cost around $20.
  • On top of that, you’re required to submit a $2,000 surety bond, called the Bond of Insurance Adjuster. Prices for the bond vary depending on where you purchase it.
• Fingerprint fees: Once your license application is in, the final step is getting your fingerprints done for the background check.
  • Choose a fingerprinting location. The total cost depends on where you go:
    • PSI locations (at PSI exam sites) charge around $68.95.
    • CDI-approved sites (like Accurate Biometrics) charge about $59.
    • California DOJ charges $49, plus an extra “rolling fee” set by the fingerprinting provider.
• Renewal fees: License Renewal and Continuing Education. The California Adjuster License expires every two years. To keep your license active, you must:
  • Complete 24 hours of continuing education (CE) coursework.
  • Pay the renewal fee of $311 per qualified manager.

For non-residents:  

If you’re a non-resident applying for a California adjuster license, here’s what you need to know:

• New License Application: The fee is $120, and you can apply through the NIPR portal.
• Renewal: California accepts the CE requirements of your home state; no additional hours needed here. When it’s time to renew, you’ll pay another $120 through NIPR’s renewal portal.

Just follow your home state’s CE rules and keep up with the renewal deadline to stay licensed in California.

7. Delaware

Insurance Adjuster License Cost in California: For Residents. 

• Exam fees: After finishing your pre-license education, the next step is to pass the Delaware Adjuster Exam. It cost $90. You’ll need to score at least 70% to pass.
• Application Fees: After you pass your exam, the next step is to apply for your license. The application fee is $100 for property, casualty, and motor vehicle adjuster licenses. If you’re going for a crop or apprentice license, the fee is $50. You can apply for the license at the NIPR Delaware Insurance Application Page.
• Fingerprint fees: After submitting your application, the last step is fingerprinting for the background check. There are multiple spots around Delaware where you can go for this. Fees are:

1. 1. State of Delaware Criminal History: $72
   2. State of Delaware & Federal Criminal History: $85

• Renewal costs: Delaware adjuster licenses for property, casualty, workers’ comp, crop, and motor vehicle last for two years. To renew and keep your license active, you’ll need to:

1. 1. Pay a $100 renewal fee
   2. Complete 12 hours of continuing education (CE) coursework

For non-residents:

If you’re a non-resident applying for a new license

• Application fees: The application fee is $100, which can be submitted via the NIPR Application Portal.
• Renewals: For renewals, you’ll need to complete continuing education (CE) requirements based on your home state regulations. The renewal fee is also $100.

8. Florida

Insurance Adjuster License Cost in Florida: For Residents.

Application fees: After passing the exam, it’s time to get the license application. The fee to apply is $55. 

Work Authorization and Fingerprint fees: After you’ve sent in your license application, the final step is to get your fingerprints taken.

• Work Authorization: If you’re not a U.S. citizen, you’ll need to show that you’re legally allowed to work in the country. Just email your proof of status to the Florida Department of Financial Services.
• Fingerprints: You’ll also need to submit your fingerprints. The cost is $50.75, paid directly by the fingerprinting service.

License Appointment: To officially activate your Florida adjuster license, there’s one final step: getting your license appointed.

• If you’re planning to work as an independent adjuster, you’ll just appoint yourself by entering your name in the appointment section.
• If you’re going to be a staff adjuster, your employer will either give you the info you need or take care of the appointment for you. The fee for setting up a license appointment is $60.

For Non-Residents (License Type: 7-20)

If you’re a non-resident looking to get licensed in Florida as a 7-20 adjuster, the application process is pretty straightforward. You’ll submit your application, and the fee for that is $55.

Renewal cost: You don’t have to complete Florida-specific CE hours. Instead, you’ll just need to stay compliant with the CE requirements of your home state. When it’s time to renew, the cost is $60 per appointment.

9. Georgia

Insurance Adjuster License Cost in Florida: For Residents

Exam fees: After completing the pre-license education course, the next step is to pass the exam. The price to attempt the Georgia adjuster exam is $63.

Application fees: Once you have passed the exam. The next step is to apply for your license. The application fees are $100 and $20 for the processing fee. Apply for your license through the NIPR Georgia application form.

Fingerprint fees: After you’ve applied for your license, the final step is to handle a couple of formalities proving your citizenship and getting your fingerprints done. The fingerprinting fee is $53.

Renewal fees: The Georgia Adjuster License needs to be renewed every two years. The renewal fee is $100.

For non-residents:

Application fees: The application fee for a new license is $100. Apply through the NIPR Non-resident Adjuster Licensing Form.

Renewal fees: When it’s time to renew, you’ll follow the continuing education requirements of your home state and pay a $100 renewal fee.

10. Hawaii

Insurance Adjuster License Cost in Hawaii: For Residents. 

Exam fees: After finishing your pre-license education for adjusters, the next step is to pass the Hawaii Adjuster Exam. Each exam attempt costs $75, and you need to score at least 70% to pass.

Application fees: After you pass the exam, the next step is to apply for your license. The application fee is $165. Submit your license application through the NIPR Hawaii Insurance Application page.

Fingerprint fees: After you’ve sent in your license application, the final step is to get your fingerprints done for the background check. The cost for fingerprinting is $58.95.

Renewal fees: Hawaii adjuster licenses need to be renewed every two years. To stay current, you’ll need to pay a $90 renewal fee.

For non-residents:

If you’re a non-resident looking to get an adjuster license in Hawaii, keep in mind that Hawaii doesn’t have reciprocity with other states. So, non-residents go through the same licensing steps as residents.

11. Idaho

Insurance Adjuster License Cost in Idaho: For Residents: 

Exam fees: After finishing your adjuster pre-license course, the next step is to pass the Idaho Adjuster Exam. Each exam attempt costs $65, but if you’re a military veteran, you might qualify for a refund. You’ll need to score at least 70% to pass.

Application fees: After passing your exam, the next step is to apply for your license. The application fee is $80. Submit your application through the NIPR Idaho Insurance Application page.

Fingerprint fees: After submitting your license application, the final step is to send in your fingerprints for the background check. It costs a $61.25 fee online.

Renewal fees: In Idaho, your adjuster license needs to be renewed every two years. The renewal fee is $60.

For non-residents:

If you’re a non-resident applying for an adjuster license

• The application fee is $800. Apply NIPR Application.
• The renewal fee is $60.

12. Illinois

Resident: Illinois doesn’t issue its adjuster licenses. So, if you live in Illinois and want to work as an adjuster, you’ll need to get a Designated Home State (DHS) license from another state.

Non-resident: If you’re a non-resident, you don’t need a separate adjuster license to handle claims in Illinois.

13. Indiana

Insurance Adjuster License Cost in Idaho: For Residents 

Exam Fees: Once you’ve completed your adjuster pre-license education course, the next step is to pass the Indiana Adjuster Exam. The price for each attempt at the exam is $69. You must score at least 70% on the exam to pass.

Application fees: After passing the exam with a score of at least 70%, the next step is to apply for your license. The application fee is $40, plus a small additional charge for electronic processing. Submit your license application online via the Sircon website or by mail using the NAIC paper application.

Renewal fees: In Indiana, your adjuster license is valid for two years. When it’s time to renew, there’s a $40 renewal fee to keep your license active.

For non-residents:

For non-residents applying for an adjuster license in Indiana, the application and renewal fees are based on a retaliatory fee system, meaning the cost depends on what your home state charges Indiana residents for the same license.

You’ll also need to follow your home state’s continuing education (CE) requirements.

14. Lowa

For residents:

Iowa doesn’t issue its adjuster licenses. If you’re an Iowa resident and need a license, you’ll have to get one from your designated home state.

For non-residents:

If you’re not a resident of Iowa, you don’t need an adjuster license to handle claims there.

15. Kansas

Kansas doesn’t require an adjuster license for residents. If you’re in Kansas and need a license, you’ll have to get one from your Designated Home State.

Non-resident:

If you’re not a resident of Kansas, you don’t need an adjuster license to handle claims there.

16. Kentucky

Insurance Adjuster License Cost in Idaho: For Residents

Application fees: Before you can book your exam in Kentucky, you’ll need to apply for your adjuster’s license first. The application costs $50, and you can take care of it online through the NIPR Kentucky Insurance Application portal. Complete your license application on the NIPR Kentucky Insurance Application page.

Exam fees: After finishing your adjuster pre-license course and getting your application approved, your next step is to take the Kentucky Adjuster Exam. You’ll need to score at least 70% to pass, and each attempt costs $50.

Background check fees: After you’ve sent in your license application, the final step is getting your background check done. The fee for the criminal background check is $27.

Renewal fees: In Kentucky, your adjuster license is good for two years. To keep it active, you’ll need to finish 24 hours of continuing education and pay a $50 renewal fee.

For non-residents:

If you’re a non-resident applying for an adjuster’s license in Kentucky,

• Application fees: The application fee is $50. Submit your non-resident license application on the NIPR.
• Renewal fees: When it’s time to renew, you’ll also pay $50, and you just need to meet the CE requirements of your home state.

17. Louisiana

Insurance Adjuster License Cost in Louisiana: For Residents: 

Exam fees: After finishing your adjuster course, your next move is to take the Louisiana Adjuster Exam. You’ll need to score at least 70% to pass. The exam fee is $15.

Fingerprint fees: Once you’ve passed the exam, your next step is to get your fingerprints done. The fingerprinting will cost you $60.75.

Application fees: After you’ve sent in your fingerprints, the next step is applying for your license. The application fee is $55. Submit your license application through the NIPR Louisiana Insurance Application page.

Renewal fees: In Louisiana, your adjuster license is good for two years. To keep it current, you’ll need to finish 24 hours of continuing education and pay a $50 renewal fee.

For Non-Residents

If you’re applying for a new adjuster license in Louisiana as a non-resident.

• Application fees: The application fee is $55. Submit the non-resident license application through the NIPR Page.
• Renewal fees: When it comes time to renew, the renewal fee is $50.

18. Maine

Insurance Adjuster License Cost in Maine: For Residents

Exam fees: After you finish your adjuster pre-license course, your next move is to take and pass the Maine Adjuster Exam. Each exam attempts cost $55.

Application fees: After you pass the exam, your next move is to apply for your license. The application will cost you $45. Submit your license application through the NIPR Maine Insurance Application page.

Renewal fees: In Maine, your adjuster license needs to be renewed every year. To keep it active, just make sure to pay the $30 renewal fee annually.

For Non-residents:

If you’re a non-resident applying for a new adjuster license in Maine

• Application fee: It costs around $75, and you’ll need to apply through NIPR.
• Renewal fees: When it’s time to renew, there’s no continuing education (CE) requirement, and the renewal fee is $60.

19. Maryland

Maryland is a non-licensing state.

20. Massachusetts

Massachusetts doesn’t require a license to work as an insurance adjuster.

21. Michigan

Insurance Adjuster License Cost in Michigan: For Residents

Exam fees: After finishing your pre-license education course, the next step is to pass the Michigan Adjuster Exam. Each exam costs $41, and you need to score at least 70% to pass.

Application fees: After you pass the exam, the next step is to apply for your license. The application fee is $15. You can apply for your license through the NIPR Michigan Insurance Application page.

Renewal fees: The Michigan Adjuster License needs to be renewed every two years. To maintain your license, you just must pay a $5 renewal fee.

Non-residents:

For non-residents,

• The application fee for a new license is $15. You can apply it through NIPR.
• There’s no continuing education requirement for renewal, and the renewal fee is $5.

22. Minnesota

Insurance Adjuster License Cost in Minnesota:  For Residents

Exam fees: After finishing your pre-license education, the next step is to pass the Minnesota Adjuster Exam. Each exam costs $25, and you’ll need to score at least 70% to pass.

Application fees: After passing your exam, the next step is to apply for your license. The application fee is $50. You can complete your application through the NIPR Minnesota Insurance Application page.

Fingerprint fees: After you’ve sent in your license application, the final step is to get your fingerprints done. Electronic fingerprints cost $65, whereas manual fingerprints cost $33.25.

Renewal fees: The Minnesota Adjuster License needs to be renewed every two years. To stay current, you’ll have to finish 24 hours of continuing education and pay a $50 renewal fee for each license type you hold.

For non-residents:

For non-residents,

• The application fee for a new license is $60. You can apply for the application through NIPR.
• When it’s time to renew, you’ll pay $60 and follow the continuing education requirements of your home state.

23. Mississippi

Insurance Adjuster License Cost in Minnesota:  For Residents: 

Exam fees: After finishing your pre-license course, your next move is to take and pass the Mississippi Adjuster Exam. Each exam attempts costs $52, and you’ll need at least a 70% score to pass.

Application Fees: After passing your exam, the next step is to apply for your license. The application fee is $100. Mississippi advises applicants to submit their license applications online via either the NIPR or Sircon website.

Renewal fees: The Mississippi adjuster license is valid for two years. To keep it active, you’ll need to pay a $100 renewal fee and finish the required continuing education.

For non-residents:

For non-residents, getting a new adjuster license in Mississippi costs $100. When it’s time to renew, you’ll also pay $100 and need to meet your home state’s continuing education requirements.

24. Montana

Insurance Adjuster License Cost in Montana:  For Residents: 

Exam Fees: After finishing your adjuster pre-licensing course, your next move is to take and pass the Montana Adjuster Exam. Each attempt costs $59. You’ll need a score of at least 75% to pass.

Application Fees: After passing the exam, you’ll need to submit your license application, which comes with a $50 fee. Start your licensing journey by applying via the NIPR Montana Insurance Page.

Fingerprint fees: After you’ve submitted your license application, the final step is providing your fingerprints. The fee for fingerprinting is $30.

Renewal Fees: Montana adjuster licenses need to be renewed every two years. To stay licensed, you must finish 24 hours of continuing education and pay a $50 renewal fee.

For non-residents:

• Non-Resident New License Application: $50
• Renewal: Complete continuing education as required by your home state. You have to pay a renewal fee of $100. Visit the NIPR site to complete your Montana non-resident insurance license application.

25. Nebraska

Insurance Adjuster License Cost in Montana:  For Residents: 

• Nebraska does not require an adjuster license.
• If a Nebraska resident needs an adjuster license, they must obtain a Designated Home State license.

Non-Resident:

• Non-residents are not required to have an adjuster license to handle claims in Nebraska.

26. Nevada

Insurance Adjuster License Cost in Nevada:  For Residents

Exam Fees:

After finishing your pre-license education course, the next step is to pass the Nevada Adjuster Exam. Each exam attempt cost $39. A score of 80% or higher is required to pass.

Application fees:

After passing your exam, the next step is to submit your license application. The application fee is $185. To pass the Nevada Adjuster Exam, you need a score of at least 80%. Start your Nevada insurance licensing process via the Sircon application page.

Renewal Fees:

The Nevada Adjuster License needs to be renewed every three years. To maintain an active license, you must:

• Complete 24 hours of continuing education (CE)
• Submit the $185 renewal fee.

Non-residents:

• New License Application: The new application fees cost $185. Apply for the non-residents application through NIPR.
• Renewal: The non-resident license application costs $185. To renew, follow your home state’s continuing education requirements.

27. New Hampshire

Insurance Adjuster License Cost in New Hampshire:  For Residents: 

Exam fees:

After finishing your pre-license education course, the next step is to pass the New Hampshire Adjuster Exam. The exam fees costs $65. You need a score of 70% or higher to pass.

Application fees:

After passing your exam, the next step is to submit your license application. The application fee is $75. Submit your licensing application through the NIPR portal for New Hampshire Insurance.

License Renewal Fees:

The New Hampshire Adjuster License must be renewed every two years. To maintain an active license, you need to:

• Finish 24 hours of continuing education (CE)
• Submit the $75 renewal fee

For Non-residents:

For a non-resident new license application, the fee is $75. Renewal requires continuing education according to your home state’s rules.

28. New Mexico

Insurance Adjuster License Cost in Mexico:  For Residents

Exam fees:

Once your adjuster pre-license education course is complete, you’ll need to pass the New Mexico Adjuster Exam to move forward. Each exam attempts costs $75. You need a score of 70% or higher to pass the exam.

Application fees:

After successfully passing your exam, the following step is to submit your license application. The application fee is $30. Use the NIPR website to apply for your New Mexico insurance license.

Fingerprint fees: After submitting your license application, the final step is to provide your fingerprints for a background screening. The cost for fingerprint processing is $59.

Renewal fees:

The New Mexico Adjuster License must be renewed every two years. To maintain an active license, you need to:

• Finish 24 hours of continuing education (CE)
• Submit a renewal payment of $60

For non-residents:

For non-residents, the new license application fee is $30 through NIPR. Renewals require following your home state’s continuing education requirements.

29. New York

Insurance Adjuster License Cost in New York: For Residents

Exam fees:

After finishing your pre-license education for adjusters, the next step is to successfully pass the New York Adjuster Exam. Each exam attempt costs $50. A minimum score of 70% is required to pass the New York Adjuster Exam.

Application fees:

After successfully passing your exam, the next step is to request your license. The application fee is $110. Submit your license application through the New York Department of Financial Services (NYDFS) Insurance Application portal online.

Renewal Fees:

The New York Adjuster License must be renewed every two years. To maintain an active license, you are required to pay a $50 renewal fee.

For non-residents:

Non-New York residents follow a similar license procedure to residents.

30. North Carolina

Insurance Adjuster License Cost in North Carolina:  For Residents

For non-residents:

For non-residents, the new license application fee ranges from $114 to $169. Renewal applications go through the NIPR. Continuing education requirements follow your home state’s rules.

The adjuster license renewal costs $109, while hail adjuster renewal is $54.

31. North Dakota

North Dakota is a non-licensing state and does not require an adjuster license for its residents.

32. Ohio

Ohio does not require an adjuster license. However, Ohio residents seeking an adjuster license must obtain a Designated Home State (DHS) license. 

33. South Carolina

Insurance Adjuster License Cost in Newyork:  For Residents

Exam fees: After finishing your pre-license education for adjusters, your next task is to pass the South Carolina Adjuster Exam successfully.

• Each exam attempt costs $59.
• A minimum score of 70% is required to pass the South Carolina Adjuster Exam.

Application fees: After completing your exam, the next step is to submit your license application.

• The application submission requires a fee of $80. Start the process by accessing the South Carolina Insurance Application on the NIPR website.

Background check fees:

You must complete a background check either when you submit your license application or shortly thereafter. The fee for the criminal background check is $25.

Renewal fees:

The South Carolina Adjuster License is valid for two years. To maintain an active status, you need to submit a renewal application and pay the $80 renewal fee.

For non-residents:

For non-residents applying for a new license, a retaliatory fee applies, which varies by state. You can find the fee schedule on the NIPR application site.

There is no continuing education requirement for renewal; however, the renewal fee is also a variable fee that varies by state. The retaliatory fee schedule is available on the NIPR renewal site.

34. Texas

Insurance Adjuster License Cost in Texas: For Residents

First Application Step:

• After finishing your adjuster training, the next move is to file your initial application.
• This application notifies the Texas Department of Insurance (TDI) that a formal application is forthcoming. It also gives you a service code needed to schedule your fingerprinting appointment.
• Fill out this initial form on the TDI website and make sure to note the fingerprint service code. You will receive an email containing this code as well.

Submit fingerprint:

• After submitting your license application, the next step is to provide your fingerprints.
• The confirmation email sent after your application includes details on how to book your fingerprint appointment. The cost varies by location; the average fingerprinting fee was $41.50.

Application fees:

After finishing your fingerprinting, proceed to apply for your license. The application fee is $50. Complete your application online via the Texas Sircon platform.

Renewal Fees:

The Texas Adjuster License needs renewal every two years. To maintain an active license, you are required to:

• Finish 24 hours of continuing education (CE) at least 30 days before the license expiration
• Submit the $50 renewal payment

For non-residents:

The non-resident new license application fee is $50. For renewal, you need to complete 24 hours of continuing education and pay a $50 renewal fee.

Smart Ways to Save on Your Adjuster License Costs

1. Bundle Your Training

Choose all-in-one packages from providers like Adjuster Pro or 360training. These include pre-licensing, exam prep, and state-specific support often cheaper than buying separately.

2. Use a Designated Home State (DHS)

Some states let you work with an out-of-state license; this is called reciprocity. Texas, Florida, and Indiana are top choices for a Designated Home State (DHS) license if you live in a non-licensing state.

3. Go Digital with Fingerprints

Vendors like IdentoGO streamline fingerprinting and cost less than manual methods. Schedule early to avoid delays.

4. Stay on Top of Renewals & CE

Missed deadlines = late fees or license suspension. Add renewal dates and CE deadlines to your calendar to avoid penalties.

5. Watch for Hidden Costs

States like Illinois and Georgia require surety bonds (up to $50,000 for public adjusters). Some also charge processing or online fees.

Final Thoughts: Know Before You Go

Getting licensed is your first real investment in this career, so treat it like a business decision. Don’t just look at the cheapest state. Look at where you plan to work, where you can get reciprocity, and how easy it is to renew and maintain that license. You’ll also want to think long-term, some adjuster roles and specialties are among the highest-paying insurance careers, which can make certain licenses more valuable than others.

Whether you’re starting fresh or adding more states to your license portfolio, use this guide to make informed, strategic decisions. Every dollar counts when you’re launching a career, and a smart start begins with knowing exactly what you’re paying for