Your state‑approved roadmap to obtaining a Florida 2‑20 or 20‑44 license. We cover costs, exam, reciprocity, pre‑licensing courses, and salary outlook — all updated for 2026.
Start your licensing journeyIf you’re aiming to sell, solicit, or negotiate property and casualty insurance in the Sunshine State, you need a property and casualty license florida. Whether it’s the general lines 2‑20 or the personal lines 20‑44, this 2026 guide gives you the exact steps, costs, and insider tips to get licensed fast.
Issued by the Florida Department of Financial Services, this credential allows you to transact insurance covering property (homes, cars, businesses) and casualty (liability, workers’ comp). The most common is the 2‑20 license (general lines agent). For those focusing on personal auto/fire, the 20‑44 personal lines license is also available. Both require pre‑licensing education, a state exam, and background check.
| License class | Scope | Pre‑licensing hours | Exam |
|---|---|---|---|
| 2‑20 (General lines) | Property, casualty, surety, marine, etc. | 200 hours (classroom/online) | State 2‑20 exam (150 Q) |
| 20‑44 (Personal lines) | Private passenger auto, homeowners, umbrella | 60 hours (classroom/online) | State 20‑44 exam (100 Q) |
| Non‑resident | Same as home state if reciprocal | Waived with valid home license | No exam (fee only) |
Many online providers now offer property and casualty license florida online course bundles that include exam prep. Check if your provider offers a pass guarantee.
| Expense | Estimated amount |
|---|---|
| Pre‑licensing course (2‑20) | $300 – $500 |
| Pre‑licensing course (20‑44) | $200 – $350 |
| Fingerprinting + background | $57.25 |
| State exam fee | $35 – $45 |
| License application & appointment | $55.75 |
| Total approximate (2‑20) | $450 – $650 |
Florida has reciprocity with most states. If you hold a resident P&C license in a reciprocal state (e.g., Georgia, Texas, New York), you can apply for a Florida non‑resident license without exam. Use the Non‑resident application via NIPR. Fee: $60 (plus state fee).
Not sure about your state? Check our Florida property tax elimination page for more local property insights.
The property and casualty license florida exam includes topics like insurance basics, policies, contracts, Florida law, and ethics. Use practice exams — many online courses offer simulated tests. In 2026, first‑time pass rates hover around 60% for 2‑20.
According to the U.S. Bureau of Labor (Florida data), licensed P&C agents earn a median salary of $58,000; top performers exceed $95,000. Commissions can significantly boost income.
After licensing, consumers and employers can verify your license via the Florida DFS Licensee Search portal. You can also check your own status, renewals (biennial), and continuing education requirements (24 hours every 2 years, including 3 hours ethics).
The 2‑20 license (general lines) allows you to sell property, casualty, surety, and marine insurance. The 20‑44 personal lines is limited to personal auto, residential property, and umbrella policies. 2‑20 requires 200 pre‑licensing hours, while 20‑44 requires 60 hours.
Total costs range from $450 to $650 for a 2‑20 license, including course, fingerprinting, exam, and application fees. Online courses can save money; check for bundled packages.
Yes. The Florida Department of Financial Services approves many property and casualty license florida online course providers. You can complete all pre‑licensing education remotely, then take the exam in person at a Pearson VUE test center.
The 2‑20 exam has about a 60% pass rate. With proper study (practice tests, flashcards) it’s very manageable. Many students pass on the first try after a quality pre‑licensing course.
Florida has reciprocity with most states. If you hold a resident license in a reciprocal state, you can obtain a Florida non‑resident property and casualty license without retaking the exam.
It must be renewed every two years. You need 24 continuing education credits, including 3 hours of ethics. Renewal fee is around $55.