Insurance CE Requirements in All 50 States

Every licensed insurance producer has a continuing education number they need to hit, and it is not the same number everywhere. Most states follow one common framework, a handful break from it entirely, and a few have changed their rules recently enough that even experienced agents are working from outdated information.

This guide covers the baseline CE requirement for resident producers in every state: total hours, ethics hours, and renewal cycle. Find your state in the list, note the exceptions, and check the reporting rules at the end, because your real deadline is earlier than the date printed on your license.

The standard most states follow

The most common framework in the country is 24 hours of CE, including 3 hours of ethics, completed every two years. That works out to 21 general hours plus 3 ethics hours per renewal cycle, and it is the default in the large majority of states.

If you hold licenses in multiple states, do not assume they all match. The outliers are easy to misjudge, and getting one wrong can mean a lapsed license, late fees, or lost selling time while you reinstate.

Here is the full line baseline for resident producers in every state: total CE hours, ethics hours, and how often you renew. States that break from the standard framework are covered in more detail below the list.

• Alabama: 24 hours, including 3 ethics hours, renewing every two years
• Alaska: 24 hours, including 3 ethics hours, renewing every two years
• Arizona: 48 hours, including 6 ethics hours, renewing every four years
• Arkansas: 24 hours, including 3 ethics hours, renewing every two years
• California: 24 hours, including 3 ethics hours, renewing every two years
• Colorado: 24 hours, including 3 ethics hours, renewing every two years
• Connecticut: 24 hours, including 3 ethics hours, renewing every two years
• Delaware: 24 hours, including 3 ethics hours, renewing every two years
• District of Columbia: 24 hours, including 3 ethics hours, renewing every two years
• Florida: 24 hours, including 4 ethics hours, renewing every two years (drops to 20 hours once licensed six or more years)
• Georgia: 24 hours, including 3 ethics hours, renewing every two years
• Hawaii: 24 hours, including 3 ethics hours, renewing every two years
• Idaho: 24 hours, including 3 ethics hours, renewing every two years
• Illinois: 24 hours, including 3 ethics hours, renewing every two years
• Indiana: 24 hours, including 3 ethics hours, renewing every two years
• Iowa: 36 hours, including 3 ethics hours, renewing every three years
• Kansas: 24 hours, including 3 ethics hours, renewing every two years
• Kentucky: 24 hours, including 3 ethics hours, renewing every two years
• Louisiana: 24 hours, including 3 ethics hours, renewing every two years
• Maine: 24 hours, including 3 ethics hours, renewing every two years
• Maryland: 24 hours, including 3 ethics hours, renewing every two years
• Massachusetts: 24 hours, including 3 ethics hours, renewing every two years
• Michigan: 24 hours, including 3 ethics hours, renewing every two years
• Minnesota: 24 hours, including 3 ethics hours, renewing every two years
• Mississippi: 24 hours, including 3 ethics hours, renewing every two years
• Missouri: 16 hours, including 3 ethics hours, renewing every two years
• Montana: 24 hours, including 3 ethics hours, renewing every two years
• Nebraska: 24 hours, including 3 ethics hours, renewing every two years
• Nevada: 24 hours, including 3 ethics hours, renewing every three years
• New Hampshire: 24 hours, including 3 ethics hours, renewing every two years
• New Jersey: 24 hours, including 3 ethics hours, renewing every two years
• New Mexico: 24 hours, including 3 ethics hours, renewing every two years
• New York: 15 hours, including 3 ethics hours, renewing every two years
• North Carolina: 24 hours, including 3 ethics hours, renewing every two years
• North Dakota: 24 hours, including 3 ethics hours, renewing every two years
• Ohio: 24 hours, including 3 ethics hours, renewing every two years
• Oklahoma: 24 hours, including 3 ethics hours, renewing every two years
• Oregon: 24 hours, including 3 ethics hours, renewing every two years
• Pennsylvania: 24 hours, including 3 ethics hours, renewing every two years
• Rhode Island: 24 hours, including 3 ethics hours, renewing every two years
• South Carolina: 24 hours, including 3 ethics hours, renewing every two years
• South Dakota: 24 hours, including 3 ethics hours, renewing every two years
• Tennessee: 24 hours, including 3 ethics hours, renewing every two years
• Texas: 24 hours, including 3 ethics hours, renewing every two years
• Utah: 24 hours, including 3 ethics hours, renewing every two years
• Vermont: 24 hours, including 3 ethics hours, renewing every two years
• Virginia: 24 hours, including 3 ethics hours, renewing every two years
• Washington: 24 hours, including 3 ethics hours, renewing every two years
• West Virginia: 24 hours, including 3 ethics hours, renewing every two years
• Wisconsin: 24 hours, including 3 ethics hours, renewing every two years
• Wyoming: 24 hours, including 3 ethics hours, renewing every two years

Figures reflect the full line baseline for resident producers and are compiled from state Department of Insurance and accredited provider sources. Requirements change, so confirm your exact obligation with your state Department of Insurance before renewal.

States that break the mold

A few states are worth calling out because they sit well outside the standard framework.

New York

New York requires just 15 hours per renewal, the lowest full line requirement in the country. Do not let the low number lull you. New York is strict about approved coursework, so verify your provider is authorized before you enroll.

Arizona

Arizona looks heavy at 48 hours with 6 hours of ethics, but licenses there renew on a four-year term. Spread across the cycle, the annual pace is comparable to the national standard. The risk is procrastination: four years is a long runway to forget about.

Iowa

Iowa requires 36 hours on a three year cycle. Agents moving in from a two year state often miscount here, so recalibrate your pacing when you pick up an Iowa license.

Missouri

Missouri sets the lowest hourly floor among standard cycle states at 16 hours every two years, still including 3 hours of ethics.

Nevada

Nevada follows the common 24 and 3 structure but runs it on a three-year cycle rather than two.

Florida

Florida requires 24 hours per cycle with an elevated ethics component, and the requirement drops to 20 hours once you have held your license for six or more years. Newer agents carry the higher load.

California

California follows the standard 24 and 3 framework for most producers, but agents holding the Limited Lines Auto license have a reduced requirement of 20 hours.

Recent changes agents are missing

Three shifts have caught agents off guard.

• California dropped its education requirement for new licensees. Under AB 943, candidates no longer complete traditional licensing education before the exam. Only a Code and Ethics course totaling 12 hours is required to get licensed. This changes the on ramp for new agents, not the CE obligation for existing licensees.
• Georgia rewards tenure. Licensees with 20 or more years of service now receive an automatic reduction of 4 CE hours, bringing their requirement down to 20 hours per renewal.
• Pennsylvania tightened ethics. Renewal now requires 3 hours of state approved ethics CE. Older ethics courses may no longer count, so confirm your ethics hours come from an approved provider before you sit for them.