What Does the Louisiana Insurance Exam Cost and How Do Retakes Work?
Take control of your insurance career. Get the salary guide and start leveling up!
Quick Answer
- Louisiana insurance exam fees range from $38 to $53 per attempt, depending on your line of authority, and all exams are administered in person by PSI.
- You need a 70% score to pass, there is no limit on retakes, and you can reschedule as soon as 24 hours after a failed attempt.
- Louisiana does not mandate pre-licensing education, but the state's unique civil law system and in-person-only testing make structured preparation strongly advisable.
The Louisiana Department of Insurance (LDI) oversees insurance licensing in the state, and PSI Services administers all exams at testing centers in Baton Rouge, Lafayette, Lake Charles, Metairie, Monroe, Pineville, and Shreveport. Louisiana is one of the states that does not require pre-licensing education, but that does not mean you should walk in unprepared. Here is a complete breakdown of exam fees, retake rules, and budgeting for your license.
How Much Does Each Louisiana Insurance Exam Cost?
Louisiana exam fees vary by line of authority. The most common exams and their fees are listed below.
| Exam Line | Fee per Attempt | Questions | Time Limit |
|---|---|---|---|
| Life Insurance | $38 | 100 | 2 hours |
| Accident & Health | $38 | 100 | 2 hours |
| Property & Casualty (combined) | $53 | 150 | 3 hours |
| Life, Accident & Health (combined) | $53 | 150 | 3 hours |
All fees must be paid when you register through the PSI Exams websiteTest Takers.psiexams.com or by calling (800) 733-9267. As of mid-2024, Louisiana no longer offers remote proctored exams, so all tests must be completed at a PSI testing center in person.
What Other Fees Should You Budget For?
Beyond the exam, Louisiana requires fingerprinting and a license application, both of which carry separate fees. Fingerprinting services are handled by IdentoGO for a fee of approximately $39.25, and results are forwarded to the Louisiana State Police and the FBI for a background check that typically takes seven to ten days. Your NIPRNipr.com license application carries a $75 fee plus a $5.60 transaction fee.
Since Louisiana does not require pre-licensing education, the cost of exam prep is optional but highly recommended. Candidates who invest in quality study materialsPre License How To Study Insurance Licensing Exam Resources report significantly higher first-attempt pass rates, which saves both time and money. Agents who understand the careerPre License What Does Insurance Agent Do Resources they are entering and prepare accordingly are far less likely to need costly retakes.
If you plan to pursue both Property & Casualty and Life lines, budget for two separate exams and two separate application fees. Many agents choose to start with one line and add the other after building some experience, which spreads costs over time and lets you focus your preparation on one examPre License Is Becoming A Licensed Property And Casualty Insurance Agent Worth It Resources at a time.
Choose a State and Course
Ready to take your insurance career to the next level?
If you’re eager to learn how to not only get licensed but also thrive in your insurance career, check out our Tips for Becoming a Successful Insurance Agent.
How Does the Louisiana Retake Policy Work?
Louisiana allows unlimited retakes with no maximum number of attempts. After a failed exam, you must wait at least 24 hours before scheduling a new appointment. Each retake requires the full exam fee.
After a failed attempt, your on-screen score report includes diagnostic information showing performance by content area. Use this to focus your next round of studyPre License Tips Becoming A Successful Insurance Agent Resources on the specific topics where you fell short.
Why Is Preparation Especially Important in Louisiana?
Louisiana has a legal system rooted in civil law rather than common law, which makes its state-specific insurance regulations distinct from nearly every other state. The state-specific section of the exam covers Louisiana Insurance Code provisions, LDI regulations, and unique contract law principles. If your only study resource covers national content, you will likely struggle with the state-specific questions.
Additionally, with in-person-only testing at a limited number of PSI centers, a failed attempt may mean travel costs on top of another exam fee. Passing on your first try is especially valuable in Louisiana.
What Can Slow Down the Licensing Process in Louisiana?
- Delays in fingerprint processing through IdentoGO, which can take seven to ten days
- Background check complications from undisclosed criminal history or financial issues
- Not creating a Louisiana Industry Access account, which is needed to manage your license filings
- Traveling to a PSI testing center only to be turned away for missing or mismatched identification
- Waiting too long after passing to submit your NIPR application, since your results are valid for a limited period
How Do Louisiana Exam Fees Stack Up Against Other States?
Louisiana's fees fall in the middle range nationally. The $38 fee for single-line exams is lower than South Carolina's $59 and North Carolina's $46 but comparable to Oklahoma's $38. The combined P&C exam at $53 reflects the longer test format. One advantage of Louisiana's approach is the lack of mandatory pre-licensing education, which reduces total upfront costs if you are able to prepare effectivelyPre License How To Pass The Property And Casualty Exam Resources through self-study or optional courses.
Take the First Step Toward Your Louisiana Insurance License
Do not let the absence of a pre-licensing requirement trick you into going in unprepared. Aceable Insurance offers exam prep courses built to help you master both national concepts and Louisiana-specific regulations. With flexible, mobile-friendly lessons and realistic practice exams, you can walk into your PSI appointment ready to pass the first time. Get started with Aceable Insurance's Louisiana courses today.Louisiana Pre License
Ready to take the first step?
Your future in the insurance industry starts now.