Insurance Agent in Hawaii
Requirements, salary data, licensing costs, and career ROI for HI
How to Become an Insurance Agent in Hawaii
To become a licensed Insurance Agent in Hawaii, individuals must be at least 18 years old and pass the Hawaii Insurance Producer Licensing Exam. While there is no formal pre-licensing education requirement, completing an exam preparation course is highly recommended. Applicants must also undergo a fingerprint and background check and pay the application fee to the Hawaii Insurance Division. Licenses are renewed every two years, requiring 24 hours of continuing education, including 3 hours of ethics or Hawaii law.
Insurance Agent Requirements in Hawaii
| Detail | Hawaii |
|---|---|
| Licensing Body | Hawaii Insurance Division |
| State License Required | Yes |
| Education | Hawaii does not have a formal pre-licensing education requirement, though it is highly recommended to complete an exam prep course. |
| Exam | Hawaii Insurance Producer Licensing Exam ($75) |
| Application Fee | $150 |
| Renewal | Every 2.0 years |
| Continuing Education | 24.0 hours per cycle |
| Notes | Minimum age is 18. Requires a fingerprint and background check. CE requirements include 3 hours of ethics or Hawaii law. Multi-line producers have specific CE hour distribution requirements (e.g., 10 hours in Life/Health and 11 hours in Property/Casualty for dual licenses). A one-time 4-hour Annuity Best Interest course is required for producers selling annuity products. A one-time 3-hour Flood Insurance course is required for Property/Casualty producers selling flood insurance. |
Source: Hawaii Insurance Division
Insurance Agent Salary in Hawaii
The median insurance agent salary in Hawaii is $63,950 per year, which is 5.9% above the national median of $60,370.
| Percentile | Annual Salary |
|---|---|
| 10th (entry level) | $36,110 |
| 25th | $46,740 |
| 50th (median) | $63,950 |
| 75th | $76,550 |
| 90th (experienced) | $131,540 |
Hawaii employs approximately 960 insurance agents.
Insurance Agent Job Outlook
AI Impact on Insurance Agents
High AI Exposure (Score: 1.34/1.00)
Many tasks in this career are susceptible to AI automation. Long-term career planning should account for potential disruption.
Is Becoming an Insurance Agent in Hawaii Worth It?
Factors to consider: Hawaii's cost of living, the state licensing requirement, moderate job growth, elevated AI disruption risk, and your personal career goals.