How to get a Michigan adjuster license
Requirements, exam, fees and the order to do things in — from the Michigan Department of Insurance and Financial Services and the exam handbook.
Step by step
- Study for the exam — Michigan doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with PSI ($41). Read the candidate handbook.
- Get fingerprinted if required — Not required.
- Apply for the license through NIPR or the Michigan Department of Insurance and Financial Services ($10).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: Perpetual).
Pre-licensing & exam prep courses
- ExamFX — pre-licensing and exam prep with a pass guarantee
- XCEL Solutions — low-cost online pre-licensing and exam prep
- AdjusterPro — Texas and Florida adjuster courses that waive the state exam
Pick a course approved in Michigan. Some links may be affiliate links.
Michigan Adjuster requirements
| Independent Adjuster (16-71 without WC / 16-72 with WC) | |
|---|---|
| Pre-licensing education | None required |
| Exam vendor | PSI |
| Exam fee | $41 |
| Questions / time | 100 · 120 min |
| License application fee | $10 verify |
| Fingerprints | Not required verify |
| Continuing education | 24 hours · Perpetual |
Independent Adjuster (16-71 without WC / 16-72 with WC): No pre-licensing required; pass 70%.
Minimum age 18. Sources: PSI Michigan DIFS Candidate Information Bulletin · PSI Michigan exam time/items/cut score table · PSI Michigan test listing (fees). Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Adjuster license rules across the US
Other Michigan licenses
Life & Health license · Property & Casualty license · All Michigan insurance licenses
Questions
How long does it take to get a independent insurance adjuster license in Michigan?
Michigan has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Michigan Adjuster license cost?
State fees (exam + application) come to about $51, plus fingerprints and a course if you take one.
Who runs the Michigan insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.