Colorado Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
CO Division of Insurance
Colorado runs a 24-hour, two-year cycle with 3 hours of ethics inside it - but it is more prescriptive than most states about how those 24 hours are split. You are not free to fill the whole total with any approved course; a specific share has to be in your own line of authority.
The Colorado Division of Insurance (part of the Department of Regulatory Agencies) oversees producer licensing. Your deadline is the last day of your birth month, every two years - and Colorado's carryover rule has a tight timing condition most producers do not expect.
The base requirement: 24 hours, split three ways
The Division requires 24 hours of approved continuing education per two-year term, structured as 18 hours in your licensed line of authority, 3 hours of ethics, and 3 hours in a category of your choice. The ethics hours count within the 24. Producers holding a personal lines or property line of authority must include at least 3 hours in homeowners insurance within that total.
The carryover timing rule and new-licensee grace
- Up to 12 excess hours can carry over - but only if those courses were completed within the 120 days before renewal, a condition that is easy to miss.
- Newly licensed producers have until their second renewal cycle to comply with the full CE requirement.
- The 18-hour line-of-authority share means you cannot satisfy the total with unrelated electives alone.
- Several limited lines (such as travel, bail, title, and crop hail) are exempt from the CE requirement.
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Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeWhen is your deadline?
Your license term ends on the last day of your birth month, every two years. Because the carryover allowance only applies to hours earned in the final 120 days, and because the 24 hours have to be split across specific categories, planning the mix early - rather than grabbing whatever courses are convenient at the end - is what keeps a Colorado renewal clean.
How CredTally keeps this on autopilot
- Track 24 hours with separate buckets for the 18 line-of-authority hours, 3 ethics hours, and 3 elective hours - so the required split is visible, not guesswork.
- Multi-state producers: every license gets its own card, deadline, and reminders, so Colorado's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so Division reviews and carryover claims are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before your birth-month deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Colorado insurance producers need?
Twenty-four hours every two-year term, including 3 hours of ethics. The 24 are split as 18 hours in your licensed line of authority, 3 ethics, and 3 in a category of your choice.
Can I carry over extra CE hours in Colorado?
Yes - up to 12 excess hours can carry forward, but only if those courses were completed within the 120 days before your renewal.
Do new Colorado producers need CE at first renewal?
Newly licensed producers have until their second renewal cycle to comply with the full continuing education requirement.
When is Colorado insurance CE due?
By the last day of your birth month, every two years. Personal lines and property producers must also include at least 3 hours in homeowners insurance.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
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