Florida has some of the most specific CE rules in the country. If you hold a Florida insurance license, here is everything you need to know about CE credits, approved providers, fees, and deadlines for 2026.
How many CE credits does Florida require?
Florida requires 16 hours of continuing education per 2-year renewal cycle for insurance agents. This applies to insurance agents, estheticians, nail technicians, and full specialists. The hours must come from board-approved providers.
What topics are required?
Florida breaks the 16 hours into specific categories:
- •HIV/AIDS awareness — at least 2 hours (mandatory)
- •Sanitation and chemical safety
- •Laws and rules governing Florida insurance
- •Elective topics approved by the board
The HIV/AIDS requirement is non-negotiable. Your renewal will be rejected if you do not have those 2 hours. For the full breakdown, check our Florida state requirements page.
How much does renewal cost?
The Florida insurance license renewal fee varies by license type but is typically around $45 to $65. Late renewal comes with an additional fee. CE course costs vary by provider, but many complete packages run between $20 and $50 for all 16 hours.
Florida renewal deadlines
Florida insurance licenses expire on a 2-year cycle. Your specific deadline is based on when you got your license. The state sends email reminders, but do not rely on them. Put your date in a calendar and set reminders starting 90 days out.
Where to take Florida-approved CE courses
- •The Florida DBPR website lists all approved CE providers
- •Many providers offer 16-hour packages online for $20 to $50
- •CE Broker is the official tracking system in Florida (you can also use InsureCE to track your progress)
- •Make sure your provider reports to CE Broker if your state board checks there
What happens if you miss your deadline?
If your Florida insurance license expires, you cannot practice until you renew. Florida allows late renewal with additional fees. If you go more than one year past expiration, you may need to retake part of the licensing exam. Act fast. Read our guide on what to do when your license expires for more help.
Track your Florida CE credits
InsureCE loads Florida requirements automatically. It tracks your 16 hours by category, shows a visual countdown to your renewal date, and sends push reminders. It is free for one license. Use it alongside CE Broker so you always know where you stand.