How to get a Kentucky adjuster license
Requirements, exam, fees and the order to do things in — from the Kentucky Department of Insurance and the exam handbook.
Step by step
- Study for the exam — Kentucky doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Kentucky DOI ($50). Read the candidate handbook.
- Get fingerprinted if required — No fingerprints; KY AOC criminal background report (~$20-25) required.
- Apply for the license through NIPR or the Kentucky Department of Insurance ($50 + $50 per line).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
- ExamFX — pre-licensing and exam prep with a pass guarantee
- XCEL Solutions — low-cost online pre-licensing and exam prep
- AdjusterPro — Texas and Florida adjuster courses that waive the state exam
Pick a course approved in Kentucky. Some links may be affiliate links.
Kentucky Adjuster requirements
| Adjuster | |
|---|---|
| Pre-licensing education | None required |
| Exam vendor | Kentucky DOI |
| Exam fee | $50 |
| Questions / time | — |
| License application fee | $50 + $50 per line |
| Fingerprints | No fingerprints; KY AOC criminal background report (~$20-25) required verify |
| Continuing education | 24 hours · 2 years |
Adjuster: Independent, Staff and Public adjuster licenses (one at a time); lines P&C, Crop, WC; adjuster prelicensing
Minimum age 18. Sources: NIPR Kentucky resident licensing · XCEL Solutions KY requirements (secondary). Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Adjuster license rules across the US
Other Kentucky licenses
Life & Health license · Property & Casualty license · All Kentucky insurance licenses
Questions
How long does it take to get a independent insurance adjuster license in Kentucky?
Kentucky has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Kentucky Adjuster license cost?
State fees (exam + application) come to about $100, plus fingerprints and a course if you take one.
Who runs the Kentucky insurance exam?
Kentucky DOI. Book the exam on the vendor's site after reading the candidate handbook.