How Do I Become an Insurance Agent in Georgia?

Looking to start your insurance career in Georgia with freedom, flexibility, and zero corporate shenanigans? Getting licensed is your first step, and it’s likely easier than you think. After that, Envela gives you everything you need to build your business on your terms: instant commissions, a tech-powered platform, on-demand leads, and support that’s actually helpful. Let’s break down exactly what it takes to get licensed in the Peach State so you can get to earning.

How to Become a Licensed Insurance Agent in Georgia

Georgia has more than 10 million residents, and growing metro areas like Atlanta, Augusta, and Savannah fuel demand for life, auto, and home insurance. Georgia also has a high rate of new homeownership and small businesses, making it a smart spot for aspiring producers (like you!) who want to grow fast and offer meaningful protection to their communities.

Here’s what you’ll need to do before getting started:

Complete Pre-Licensing Education

Pass the Licensing Exam

Get Fingerprinted

Complete the Citizenship Affidavit

Apply for Your License

Stay Licensed with Continuing Education (CE)

Complete Your Pre-Licensing Education

You’ll have to complete the minimum number of pre-licensing education hours to be eligible to take the Georgia state exam. Your Pre-licensure hour requirements will depend upon the type of insurance you’d like to sell:

  • Credit Insurance: 5 hours self-study (no exam)
  • Variable Products: 8 hours
  • Personal Lines Insurance: 20 hours
  • Accident & Sickness Insurance: 20 hours
  • Life Insurance: 20 hours
  • Property & Casualty (combined): 40 hours
  • Life, Accident & Sickness (combined): 40 hours

If you plan to get multiple licenses, you’ll need to complete education hours for each line separately. Courses are available online or in person from state-approved providers.

Take and Pass the Georgia Insurance Licensing Exam

Once you complete your required education, you can register for your licensing exam through Pearson VUE. This pass-fail exam will cover both national insurance topics and regulations specific to Georgia.

You’ll need to pay an exam fee of $63, and don’t forget to bring two forms of valid ID! Once you’ve completed the exam, you’ll receive your results immediately. If you don’t pass on your first attempt, you’re welcome to reschedule and try again.

Submit to Fingerprinting and a Background Check

Applicants are required to complete a fingerprint-based background check through IdentoGO. You should schedule this immediately after passing your exam to avoid delays in your license processing. The service code you’ll need to enter is 2TGJ6B, and the approximate cost is $51.50.

Complete and Submit a Citizenship Affidavit

Before you apply, you must download, complete, and notarize the Georgia Citizenship Affidavit. Upload the form and a copy of a valid ID when submitting your license application. Don’t forget to complete this step — your approval could be delayed!

Apply for Your Georgia Insurance License

It’s almost time to be a producer! Once you’ve passed your exam and completed fingerprinting, you can submit your license application through NIPR or Sircon. Most licenses cost $120. Temporary resident licenses are $80.

Stay Licensed with Continuing Education (CE)

To keep your Georgia license active, you’ll have to complete:

  • 24 hours of Continuing Education every 2 years
  • 3 of those hours must be in ethics

Georgia allows up to 50% of CE credits to carry over to the next renewal period. Just make sure to renew by the last day of your birth month every two years, or you’ll face late fees or even a license lapse.

What License Do I Need?

Not sure which license is best for you? We’ll break down the common types of insurance licenses to help you decide.

  • Life: Life insurance, annuities
  • Accident & Sickness: Health, disability, supplemental
  • Property & Casualty (P&C): Homeowners, renters, auto, commercial
  • Personal Lines: Property and casualty for individuals only (no businesses!)
  • Personal Lines (20-44): A more limited version of the General Lines license that’s only for individual customers (not businesses)
  • Credit Insurance: Insurance on loans, credit cards
  • Variable Products: Securities-based products (must have sponsoring insurer)
  • Travel, Title, Temporary: Specialized or limited-scope licenses

If you’re unsure where to start, no worries. Most new producers choose either Life & Health, Property & Casualty, or Personal Lines. This approach can help you maximize licensure bundle options and meet client demands.

How Much Does It Cost to Become an Insurance Agent in Georgia?

In the state of Georgia, you should anticipate spending between $300 and $450 per license line, including education, exam fees, and licensure. Exact costs will depend on which licenses you want to receive.

How Much Does Pre-Licensing Education Cost?

As a rule of thumb, you can expect to spend between $150–$250 per pre-licensing education course. However, be on the lookout for bundled options that can help you save (and prepare to secure licensure in more than one line).

How Much Are Exam Fees?

You can expect to pay $63 per Georgia licensure exam, regardless of subject matter.

  • Life: $63
  • Accident & Sickness: $63
  • Life, Accident & Sickness combo: $63
  • Property & Casualty (combined): $63
  • Personal Lines: $63

Fingerprinting

  • $51.50 via IdentoGO

Application Fees

  • Resident license: $120 (including $20 processing fee)
  • Temporary license: $80
Total Cost to Become an Insurance Agent in Georgia
Item Estimated Cost
Pre-Licensing Courses $150–$250 per license
Exam Fees $63 per exam
Fingerprinting (via IdentoGO) $51.50
Application Fee $120 (resident license)
Temporary License Fee $80 (temporary license)

Insurance Agent Jobs in GA: Should You Go Captive vs. Independent?

After becoming licensed, you have two distinct paths to choose from: working as a captive agent or as an independent agent. But what’s the difference? We’ll compare the two so you can choose the path that best fits your goals as an insurance producer.

What Is a Captive Agent?
  • Works for one insurance company (like Progressive or Geico)
  • Sales are restricted exclusively to that carrier’s products
  • You typically earn a salary or base pay with commission
  • Fixed schedule with corporate training
  • Don’t own your client book
What Is an Independent Insurance Agent?
  • Works with many insurance carriers via a brokerage or agency, like Envela
  • Ability to provide your clients with various options and price points
  • Greater earning potential, but you’ll work exclusively on commission
  • Full control of your schedule and your client book

Envela believes in empowering you to build your business your way as an independent producer. But independence doesn’t mean doing it alone. With our proven digital tools, step-by-step training, and on-demand support, you’ll have everything you need to succeed. You’ll gain more control over your time, boost your earnings, and deliver a better experience to your clients. You get all the benefits of going solo, without the usual drawbacks.

What You’ll Need to Start Selling Insurance in Georgia

You don’t need a downtown office or a corner suite to launch your insurance career in Georgia. But you do need the right setup to work efficiently, serve clients professionally, and stay compliant. Whether you’re striking out on your own as an independent producer or partnering with an agency, your tech and tools will shape your success from day one.

Must-Have Tools for Georgia Insurance Agents

These are your day-to-day essentials. They’ll keep you connected, organized, and ready to deliver standout service to every client.

  • Laptop or desktop computer with plenty of storage and a strong operating system. You’ll need enough processing power to run quoting tools, manage CRM data, and access carrier platforms without lag.
  • High-speed internet connection to stay efficient. A reliable connection ensures smooth quoting, quick e-signatures, and stress-free virtual meetings.
  • E-signature software to streamline application and policy signing. Clients expect secure, convenient options that don’t require printing or scanning.
  • Quoting platform and CRM access so you can deliver real-time, competitive quotes and keep track of client details, policy renewals, and follow-ups all in one place.
  • Branded email address (e.g., you@youragency.com) to build trust and reinforce your professional image with every message you send.
  • Secure cloud-based storage to protect your clients’ sensitive documents and meet compliance standards.
  • Professional phone setup — whether it’s a mobile device, landline, or internet-based phone — to ensure you’re always accessible and responsive.
  • Calendar and scheduling tools like Google Calendar or Calendly to manage meetings, callbacks, and renewals without double-booking or missing a beat.
  • Errors & Omissions (E&O) insurance will protect you in case of mistakes, missed details, or disputes. If you’re offering advice, you need coverage.
Optional Tools That Can Take Your Business to the Next Level

They’re not mandatory, but are highly recommended. These extra tools can help you grow faster and present yourself like the pro you are.

  • Business Cards for networking events, referrals, and leaving behind a professional first impression. Go digital or stick to paper, whatever works for you!
  • A simple, lead-generating website to give prospects a place to learn more about you, request a quote, or schedule a call. Even a basic landing page can boost your credibility.
  • Virtual meeting tools like Zoom or Google Meet allow you to serve clients face-to-face without leaving your desk.

Ready to Apply to Become a GA Insurance Producer with Envela?

You’ve done the work. You’ve passed the exam. You’ve got your Georgia insurance license. Now it’s time to choose how you’ll use it. You could stick with the usual corporate routine, or you could build something better: a business that works around your life, not the other way around.

At Envela, we equip independent producers with everything they need to succeed, minus the micromanagement, office politics, or income ceilings. Our flexible platform is designed for people who want to grow fast, work smart, and live fully.

Here’s what you’ll get with Envela’s “agency-in-a-box” setup:
  • Leads delivered on-demand so you can spend less time prospecting and more time selling
  • Real-time commissions that show up fast, no waiting weeks to get paid
  • All-digital quoting and enrollment tools to simplify your workflow and boost client satisfaction
  • Daily training sessions and live support so you’re never stuck figuring it out alone
  • Appointments with 20+ top-rated carriers, giving you the flexibility to match each client with the right solution

Whether you're working from your porch in Savannah, running appointments between shifts in Augusta, or going all-in in metro Atlanta, Envela gives you the freedom to build your business your way.

Want to work for yourself–but not by yourself? Apply now and start selling insurance in Georgia with Envela as a 1099 Insurance Sales Producer.

FAQs

How long does it take to become an insurance agent in Georgia?
Most people can complete the licensing process in 2–6 weeks, depending on how quickly you move through coursework, testing, fingerprinting, and paperwork.

How much does it cost to get licensed in Georgia?
Expect around $300–450, depending on your license. This includes pre-licensing education, exam fee ($63), application fee ($120), and fingerprinting ($51.50).

Can I sell insurance part-time in Georgia?
Yes! Envela’s platform was built for part-timers, career-changers, parents, and anyone looking to earn on their terms. You set your own schedule and income goals. It’s the perfect setup for becoming an independent insurance agent with a side hustle.

Can I hold multiple licenses in Georgia?
Absolutely. Many agents combine Life with Property & Casualty or add Personal Lines to round out their offerings. Just be prepared to complete the required hours and exams for each.

Do I have to work in an office?
Nope. With Envela, you can work from anywhere with Wi-Fi. Take calls from home, write quotes at your favorite coffee shop, or check in with clients between soccer practices. As an Envela insurance producer, you get a mobile, modern role built for flexibility.