State Guide
Texas Insurance CE Requirements
Everything you need to know about Texas Insurance Continuing Education: exact hours, fines, reinstatement rules, and reciprocity with other states.
Texas CE Requirements
Texas requires 24 hours of continuing education every 2-year license period.
24 Total Hours
Required every 2 years, tied to your license renewal date.
3 Hours of Ethics
Ethics and consumer protection training, part of your 24-hour total.
50% Classroom-Equivalent
At least 12 of your 24 hours must be classroom or classroom-equivalent format. The remaining 12 can be self-study.
Mosaic CE bundles are built to satisfy all three of these requirements in a single package, so you don't have to piece together courses yourself.
What Counts as Classroom-Equivalent in Texas
"Classroom equivalent" doesn't mean sitting in a physical classroom. It means an approved online course built to include the same structure as one: timed progression through material, checks for understanding, and monitored completion. It's different from a plain self-study course, which has fewer built-in checkpoints.
All Mosaic CE courses that carry the classroom-equivalent designation are TDI-approved to satisfy this half of your requirement.
When Your Texas License Renews
Your Texas license renews every 2 years, on the last day of your birth month. TDI recommends completing your CE at least 30 days before your deadline, since your provider needs time to report your hours before your renewal processes.
Mosaic CE will report your completed hours directly to TDI, and you can sign up for our Renewal Deadline Checker so we email you a reminder before your deadline — no need to track it yourself.
What Happens If You Miss Your Deadline
Texas handles missed deadlines in three tiers, and the further past your deadline you go, the more it costs and the more work it takes to get back to active.
Reinstate Through Normal Renewal
Complete your outstanding hours and pay a fine of $50 per deficient hour, up to a maximum of $500 per license. Once paid and completed, you reinstate through the standard renewal process.
Reinstate Without Retaking the Exam
You can still reinstate without retaking the licensing exam. You'll need to complete the outstanding CE, pay the CE fine, submit a new application, pay the application fee plus a late fee, and get new fingerprints.
Must Retake the Licensing Exam
You can no longer simply reinstate. You'll need to retake and pass the licensing exam again, submit a brand new application with fees, get new fingerprints, and clear up any outstanding CE fines from the prior license.
The best way to avoid all three tiers: complete your CE with Mosaic CE at least 30 days before your deadline. We'll report your hours to TDI well ahead of time, so there's no scramble.
How Your Hours Get Reported to TDI
Mosaic CE reports your completed hours to TDI on your behalf, typically through Sircon. Courses completed by 5:00 PM CST are reported the same business day. Courses completed after 5:00 PM CST are reported the next business day. If you finish after 5:00 PM CST on a Friday, it won't be reported until Monday or Tuesday. During holidays when our office is closed, expect an additional delay.
You can verify your status anytime by checking your transcript on Sircon, rather than relying on a course completion certificate alone.
Texas Reciprocity
Texas is reciprocal with nearly every state, and is one of only three states offering a designated home state (DHS) license, alongside Florida and Indiana.
29 States
Accept an actual Texas resident license or a Texas DHS license for reciprocity, satisfying their non-resident CE requirement:
Alabama, Arkansas, Connecticut, Delaware, Florida, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Montana, Nevada, New Hampshire, New Mexico, North Carolina, Oklahoma, Oregon, Rhode Island, South Carolina, Utah, Vermont, Washington, West Virginia, Wyoming.
Alaska & Arizona
Accept an actual Texas resident license, but not a Texas DHS license. You'd need to pass their state exam if using Texas as your DHS.
Recent changes: Iowa only began licensing adjusters in 2025, so its reciprocity status is still settling — confirm current status with Iowa's Insurance Division. Rhode Island only added an adjuster CE requirement starting with 2026 renewals (previously none was required).
New York, California & Hawaii
Don't offer reciprocal licenses to adjusters from any other state, regardless of your Texas license. If you need to work in one of these states:
You'll need to complete that state's own pre-licensing education, pass its state exam, and meet its CE requirements directly and separately from your Texas license. A Texas license doesn't reduce or waive any part of that process.
Designated Home State (DHS) — What It Means for Texas
If you live in a state that doesn't license adjusters at all, you can designate Texas as your home state for licensing purposes. Texas requires 24 CE hours, among the highest in the country, so reciprocal states generally don't reject a Texas DHS license for insufficient home-state CE. If you actually live in Texas, you'd simply hold a normal Texas resident license.