Idaho insurance adjuster license
Idaho requires an adjuster license for anyone who adjusts claims for an insurer as an independent contractor, or as an employee of one, for compensation (Idaho Code 41-1102, 41-1103). Salaried employees of insurers or MGAs, licensed attorneys and licensed agents adjusting for their own insurers are excluded. Public adjusters are licensed separately under the Public Adjuster Licensing Act (Title 41, Ch. 58).
Some details on this page could not be confirmed on the regulator's own website. Check with the Idaho Department of Insurance before you apply, and tell us if anything has changed.
How to get licensed in Idaho, step by step
- Confirm the license type. Idaho issues the Independent Adjuster license (Adjusting losses under insurance contracts on behalf of insurers (Idaho Code 41-1106)).
- Pass the state exam (InsID-IndAdj0007). It is given by Pearson VUE: 60 questions in 75 minutes, fee $65. Practice first with our Idaho Independent Adjuster practice test.
- Submit fingerprints for the criminal background check if your application type requires them (see fees below).
- Apply for the license with the Idaho Department of Insurance and pay the $80 license fee.
- Keep it active. Complete 24 hours of continuing education, including 3 hours of ethics, every 2 years and renew on time (license term: 2 years).
Idaho adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Independent Adjuster | Adjusting losses under insurance contracts on behalf of insurers (Idaho Code 41-1106) | Required | Not required |
The Idaho adjuster exam
| Vendor | Pearson VUE |
|---|---|
| Exam | ID Independent Adjuster (InsID-IndAdj0007) |
| Questions | 60 |
| Time limit | 75 minutes |
| Exam fee | $65 |
| Candidate handbook | Official handbook (PDF) |
License fees
- Resident license: $80
- Nonresident license: $80
- Fingerprinting: about $65
$80 state license fee (NIPR), resident or nonresident; NIPR transaction fees are extra. All resident individual applicants must complete fingerprinting and a background check. The Pearson VUE handbook lists Idaho electronic and hard-card fingerprint services at $65. The exam fee is $65.
License term: 2 years. CE must be completed every two years on or before the license renewal date (IDAPA 18.06.04). Secondary sources say licenses expire on the last day of the birth month; this was not verified on an official page.
Continuing education
Idaho adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years.
IDAPA 18.06.04 applies to producers, adjusters and public adjusters: 24 credits including at least 3 ethics, every two years. No more than 4 hours of adjuster/PA-approved CE can count toward a producer license.
Nonresident adjusters, reciprocity and DHS
Nonresidents apply through NIPR (Independent Adjuster or Public Adjuster, $80). NIPR's nonresident page lists no exam requirement. The ADHS (designated home state) chosen must be an active nonresident adjuster license on the PDB, and the applicant may not hold an active resident adjuster license in any state. Public adjusters cannot designate a home state. Canadian residents need a resident or home-state adjuster license in another state (41-1103).
Designated home state license: Unclear. Idaho Code 41-1103 says a Canadian resident may designate Idaho as home state only after passing the adjuster exam. Whether US residents of non-licensing states can designate Idaho was not verified; NIPR's resident application requires an Idaho business or residence address.
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
Idaho Code 41-1107: no license is required for an adjuster sent into Idaho by an authorized insurer or adjusting firm to investigate or adjust a particular loss, to temporarily substitute for an incapacitated licensed adjuster, or to adjust a series of losses from a common catastrophe.
Public adjusters in Idaho
Yes, licensed separately under the Public Adjuster Licensing Act (Idaho Code Title 41, Ch. 58). It requires the Pearson VUE ID Public Adjuster exam (InsID-PubAdj0007, 75 minutes, $65) and a $20,000 bond or irrevocable letter of credit; the fee is $80. Public adjusters cannot use a designated home state.
Insurance adjuster salary in Idaho
| Claims adjusters, examiners and investigators | Idaho | United States |
|---|---|---|
| Mean annual wage | $81,140 | $80,470 |
| Median annual wage | $77,340 | $78,000 |
| 10th to 90th percentile | $49,940 to $117,100 | $48,850 to $117,040 |
| Employment | 1,320 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Idaho?
Idaho requires an adjuster license for anyone who adjusts claims for an insurer as an independent contractor, or as an employee of one, for compensation (Idaho Code 41-1102, 41-1103). Salaried employees of insurers or MGAs, licensed attorneys and licensed agents adjusting for their own insurers are excluded. Public adjusters are licensed separately under the Public Adjuster Licensing Act (Title 41, Ch. 58).
How much does an adjuster license cost in Idaho?
In Idaho, the exam fee is $65, the resident license fee is $80, fingerprinting costs about $65. Fees change, so confirm current amounts with the Idaho Department of Insurance.
Can a nonresident get an adjuster license in Idaho?
Nonresidents apply through NIPR (Independent Adjuster or Public Adjuster, $80). NIPR's nonresident page lists no exam requirement. The ADHS (designated home state) chosen must be an active nonresident adjuster license on the PDB, and the applicant may not hold an active resident adjuster license in any state. Public adjusters cannot designate a home state. Canadian residents need a resident or home-state adjuster license in another state (41-1103).
How many continuing education hours do Idaho adjusters need?
24 hours, including 3 hours of ethics, every 2 years. IDAPA 18.06.04 applies to producers, adjusters and public adjusters: 24 credits including at least 3 ethics, every two years. No more than 4 hours of adjuster/PA-approved CE can count toward a producer license.
How much do insurance adjusters make in Idaho?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Idaho earned a mean of $81,140 a year in May 2025, with a median of $77,340. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Idaho resources
Regulator: Idaho Department of Insurance
Sources
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121300.pdf
- pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121301.pdf
- pearsonvue.com/us/en/id/insurance.html
- nipr.com/licensing-center/state-requirements/idaho-resident-licensing-individual
- nipr.com/licensing-center/state-requirements/idaho-non-resident-adjuster-licensing-individ
- files.dfm.idaho.gov/dfm-admin-website/rules/current/18/180604.pdf
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1102.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1103.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1104.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1106.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1107.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1108.html
- codes.findlaw.com/id/title-41-insurance/id-st-sect-41-1013.html
Adjuster license requirements in other states
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