Insurance Agent in North Dakota
Requirements, salary data, licensing costs, and career ROI for ND
How to Become an Insurance Agent in North Dakota
To become a licensed Insurance Agent in North Dakota, individuals must meet the requirements set by the North Dakota Insurance Department. While pre-licensing education is not mandated by state law, it is highly recommended to prepare for the North Dakota Insurance Producer Licensing Exam. After passing the exam, applicants must undergo a background check including fingerprinting, and then submit an application with the associated fees. North Dakota offers reciprocity for insurance producer licenses, allowing licensed individuals from other states to potentially obtain a North Dakota license without re-examination.
Insurance Agent Requirements in North Dakota
| Detail | North Dakota |
|---|---|
| Licensing Body | North Dakota Insurance Department |
| State License Required | Yes |
| Education | North Dakota law does not require pre-licensing education, but it is recommended. |
| Exam | North Dakota Insurance Producer Licensing Exam ($64) |
| Application Fee | $100 |
| Renewal | Every 2.0 years |
| Continuing Education | 24.0 hours per cycle |
| Notes | Minimum age: 18. Requires a background check and fingerprinting. CE requirements include 3 hours of ethics. Producers licensed for only credit, surety, travel/baggage, title, bail bonds, or legal expense are not required to complete CE. A one-time 4-hour Annuity Best Interest Certification Training is required for producers selling annuity products. An initial 8-hour Long-Term Care (LTC) Certification Training is required before selling LTC products, followed by a 4-hour ongoing LTC training every 24 months. Property/Casualty and Personal lines producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies. |
Insurance Agent Salary in North Dakota
The median insurance agent salary in North Dakota is $65,850 per year, which is 9.1% above the national median of $60,370.
| Percentile | Annual Salary |
|---|---|
| 10th (entry level) | $45,970 |
| 25th | $48,250 |
| 50th (median) | $65,850 |
| 75th | $96,670 |
| 90th (experienced) | $148,320 |
North Dakota employs approximately 1,240 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 North Dakota Worth It?
Factors to consider: North Dakota's cost of living, the state licensing requirement, moderate job growth, elevated AI disruption risk, and your personal career goals.