How to Get Your Oregon Insurance License in 2026
Compare 5 DFR-approved Oregon insurance pre-licensing schools. See costs, PSI exam details, and get your Oregon insurance license — Life & Health or Property & Casualty.
Course Cost
$109 – $300
Time to License
4 – 6 weeks
Avg OR Salary
$64,000/yr
Required Hours
20 hrs/line
Top 3 Oregon Insurance Pre-Licensing Schools
1. ExamFXBest Value
All OR tracks starting at $169.95. 94–99% pass rate claim. DFR-approved with pass guarantee. Video and Live Online tiers up to $299.95.
From $169.95
L&H Self-Study
2. A.D. BankerPass Guarantee
Silver $169.95 / Gold $196.90 / Platinum $296.85. Pass Guarantee on every tier. DFR-approved with 6-month access.
From $169.95
Silver Package
3. eInsuranceTrainingLocal Expert
Oregon DFR-approved provider (#23300459). Oregon-focused curriculum. At-your-pace online format.
NEEDS_REVIEW
Verify at site
Best Oregon Insurance Pre-Licensing Courses
All 6 schools are Oregon ORDFR-approved. Price: Low to High.
Quick Price Comparison (Course Only)
ExamFX
Best ValueStarting at
$169.95
- OR DFR-approved pre-licensing provider
- Starting at $169.95 -- lowest verified OR price
- 94-99% pass rate claim with pass guarantee
- Three tiers: Self-Study, Video, and Live Online
Available Packages (4)
Life & Health -- Self-Study
- OR L&H pre-licensing (20 hrs)
- Online exam simulations
- DFR-approved certificate
- Instructor support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- OR DFR-approved pre-licensing provider
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online pre-licensing (20 hrs)
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
eInsuranceTraining
Local ExpertStarting at
$NEEDS_REVIEW
- OR DFR-approved pre-licensing provider (#23300459)
- Oregon-focused curriculum and content
- Completions reported to DFR directly
- Affordable pricing for OR agents
Available Packages (2)
Life & Health Pre-Licensing
- OR L&H pre-licensing (20 hrs)
- DFR-approved content
- Completion certificate
WebCE
State-ApprovedStarting at
$109.95
- OR DFR-approved pre-licensing provider (#4060)
- Completions reported to DFR -- satisfies 20-hr requirement
- Competitive pricing starting at $109.95
- L&H and P&C tracks available
Available Packages (3)
Life & Health -- Exam Prep Complete
- OR L&H pre-licensing (20 hrs)
- DFR-approved content
- Practice exams
- Completion certificate
eInsuranceTraining.com
Starting at
$119
- State-Approved Pre-Licensing (Provider ID 10015026)
- Both L&H and P&C lines available
- Competitive pricing for OR candidates
Available Packages (3)
40-Hr L&H Pre-License
- OR-approved 40-hr Life & Health course
- Practice exams
- 180-day access
Kaplan Financial Education
Most ComprehensiveStarting at
$139
- OR DFR-approved pre-licensing provider
- Most comprehensive course library
- Multiple tiers including live instructor option
- Established industry brand since 1938
Available Packages (3)
OnDemand -- Self-Study
- OR pre-licensing (20 hrs)
- On-demand video lectures
- Practice exams
- DFR-approved certificate
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is an Oregon Insurance License?
An Oregon insurance license is a state-issued credential required by the Oregon Division of Financial Regulation (DFR) to legally sell insurance products in Oregon. Agents must complete DFR-approved pre-licensing education, pass the PSI state exam, complete fingerprinting at the PSI test center, and apply via NIPR.
Life & Health
20 hrs per line (40 combined)
Life, health, annuities, Medicare
Property & Casualty
20 hrs per line (40 combined)
Auto, homeowners, commercial lines
Personal Lines
20 hours required
Personal auto & homeowners only
How Much Do Oregon Insurance Agents Earn?
OR Average
$64,000/yr
Source: Salary.com (2026)
Top Producers
$100,000–$140,000+
Independent agents in Portland, Bend
Top Oregon Insurance Markets
Is an Oregon Insurance License Worth It?
👍 Pros
- + High Property Values: Oregon's median home price (~$420K) drives strong P&C commissions, especially in Portland and Bend.
- + Streamlined Fingerprinting: Fingerprinting is done at the PSI test center on the same day you pass — no separate appointment needed.
- + Growing State: Oregon's population growth and tech sector drive demand for commercial and personal lines coverage.
👎 Cons
- - Pre-Licensing Required: Oregon mandates 20 hours of coursework per line before the exam.
- - Certificate Expires in 1 Year: Pre-licensing certificate valid only 1 year — you must pass the exam within that window.
- - Commission-Based Income: Income can be variable, especially in the first 1–2 years.
How to Get Your Oregon Insurance License
Enroll in DFR-Approved Pre-Licensing
Select your line of authority (Life, Health, Property, Casualty, or Personal Lines — 20 hrs each) and enroll in a DFR-approved course. All schools listed above are approved.
Complete Your Course and Receive Your Certificate
Complete all 20 required hours and pass the provider's course exam. Your certificate of completion is valid for 1 year — you must pass the PSI exam within that window.
Submit Your License Application via NIPR
Apply through nipr.com. Application fee is approximately $50–$75 plus the NIPR transaction fee.
Schedule and Pass the PSI Exam
Schedule your exam through PSI at test-takers.psiexams.com or call (855) 340-3901. Exam fee is $53–$75 per attempt. Online remote proctoring is available. A score of 70% is required to pass.
Complete Fingerprinting at the PSI Test Center
Oregon requires electronic fingerprinting at the PSI testing center on the same day you pass your exam. This is done on-site at no separate scheduling — bring the required fee.
Receive Your License and Get Appointed
Once your application is approved and background check clears, your license is issued. Get appointed by a carrier or agency to legally sell insurance in Oregon.
Oregon Insurance License Requirements
Eligibility
- Must be at least 18 years old
- Valid Social Security number required
- No college degree required
- Background check (fingerprinting at PSI)
Pre-Licensing
- 20 hours per line from DFR-approved provider
- Pass provider's certification exam
- Certificate valid for 1 year
Exam (PSI)
- PSI Services — test-takers.psiexams.com
- 70% passing score required
- $53–$75 exam fee per attempt
- Online remote proctoring available
Continuing Education
- 24 CE hours per 2-year renewal cycle
- 3 ethics hours required
- Renew via NIPR or Sircon
Oregon Insurance License Cost Breakdown
| Item | Cost | Notes |
|---|---|---|
| Pre-Licensing Course (20 hrs/line) | $109 – $300 | DFR-approved provider |
| PSI Exam Fee | $53 – $75 per exam | Varies by line of authority |
| NIPR Application Fee | $50 – $75 | Plus NIPR transaction fee |
| Fingerprinting (at PSI test center) | Included / verify at PSI | Done same day as exam |
| Estimated Total | $300 – $550 | Varies by number of lines |
Oregon Insurance License FAQ
Does Oregon require pre-licensing education before the insurance exam?
Yes. Oregon requires 20 hours of pre-licensing education per line of authority from an Oregon DFR-approved provider. You must complete the course and receive a certificate of completion before sitting for the PSI state exam. Certificates are valid for 1 year.
How much does it cost to get an Oregon insurance license?
Budget approximately $300–$550: pre-licensing course ($100–$300), PSI exam fee ($53–$75 per exam, varies by line), fingerprinting (done at PSI test center), and NIPR application fee (~$50–$75). Oregon's fingerprinting is done on the same day you pass the exam at the PSI test center.
What exam provider does Oregon use for insurance licensing?
Oregon uses PSI Services. You can take the exam at a PSI test center or via online remote proctoring. Schedule online at test-takers.psiexams.com or call (855) 340-3901. A score of 70% is required to pass.
How does fingerprinting work for the Oregon insurance license?
Oregon requires electronic fingerprinting which must take place at the PSI testing center on the same day you pass your examination. This streamlines the process — you don't need to schedule a separate fingerprinting appointment beforehand.
How long does it take to get an Oregon insurance license?
Most candidates complete the process in 4–6 weeks: 2–3 weeks for the 20-hour pre-licensing course, a few days to schedule and take the PSI exam, and 1–2 weeks for application processing after passing.
What is eInsuranceTraining and is it approved in Oregon?
eInsuranceTraining.com (DFR Provider #23300459) is an Oregon-approved pre-licensing provider. They offer Oregon-focused insurance pre-licensing courses online with at-your-own-pace learning. Their content is tailored specifically for the Oregon DFR requirements.
How much do insurance agents make in Oregon?
Oregon insurance agents earn an average of $58,000–$79,000 per year. Entry-level agents may start at $35,000–$50,000. Experienced independent agents in Portland and Salem regularly earn $90,000–$130,000+, driven by Oregon's above-average property values and growing population.
What lines of authority can I get in Oregon?
Oregon offers Life, Health, Property, Casualty, and Personal Lines licenses. Many agents pursue Life & Health (40 hours combined) and Property & Casualty (40 hours combined) to maximize earning potential across all insurance lines.
How do I renew my Oregon insurance license?
Oregon insurance licenses renew on a 2-year cycle. You must complete 24 CE hours per renewal period, including 3 ethics hours. Renew via NIPR or Sircon before your expiration date to avoid reinstatement fees.
Does Oregon offer insurance license reciprocity?
Yes. Oregon participates in NAIC non-resident reciprocity. Producers holding an active resident license in their home state can apply for an Oregon non-resident license via NIPR without retaking the Oregon exam. Submit a letter of certification from your home state (not more than 90 days old) if not on the NAIC Producer Database.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.