Get Your Colorado Insurance License Online

Getting your Colorado insurance license involves four steps. First, complete a state-approved prelicensing course (100 hours for the combined Life & Health line). Second, pass the Colorado state licensing exam administered by Pearson VUE — you need a score of at least 70% to pass. Third, complete a background check. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Colorado Division of Insurance application fee of $47. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Colorado that get you to exam day confident and prepared.

The total cost to get your Colorado insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the Pearson VUE exam fee is $48, the Colorado Division of Insurance application fee is $47. If you need a prelicensing course, JustInsurance's Colorado combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Colorado insurance licensing process in 2-4 weeks. That timeframe covers finishing your prelicensing course (you get 30 days of access; most students finish in 5–10 days), scheduling and passing the Pearson VUE state exam, clearing your background check, and waiting for the Colorado Division of Insurance to process your application. The Pearson VUE exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Colorado exam is administered by Pearson VUE and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after a 24-hour waiting period. There is no limit on the number of times you can retake the exam at a test center. Your pre-licensing education certificate is valid for 12 months, so you must pass within that window or retake your coursework. See our full pass rate methodology at /pass-rates.

Insurance agents in Colorado earn an average of $75,980 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $38,000 in their first year while building a client base, and top producers in Colorado can earn $130,740 or more annually. Demand for new insurance producers remains steady in Colorado. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

No. Colorado does not offer a combined Life & Health insurance exam. You must pass separate exams for Life and for Accident & Health/Sickness with Pearson VUE. Each exam requires its own 50-hour prelicensing course, and you pay a separate exam fee for each. If you want both licenses, plan for two complete course and exam cycles.