How to get a Michigan property & casualty 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
- Complete pre-licensing education — 40 from a Michigan-approved provider.
- 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
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Michigan. Some links may be affiliate links.
Michigan Property & Casualty requirements
| Property & Casualty Producer/Solicitor (16-81 combined) | |
|---|---|
| Pre-licensing education | 40 verify |
| Exam vendor | PSI |
| Exam fee | $41 |
| Questions / time | 150 · 150 min |
| License application fee | $10 verify |
| Fingerprints | Not required verify |
| Continuing education | 24 hours · Perpetual |
Property & Casualty Producer/Solicitor (16-81 combined): Separate Property/Casualty exams 100 Q, 120 min.
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.
Get a free Michigan Property & Casualty study plan
A week-by-week exam plan, the exam outline and reminders to book fingerprints and apply. Free; launching soon, join the list.
Property & Casualty license rules across the US
Other Michigan licenses
Life & Health license · Adjuster license · All Michigan insurance licenses
Questions
How long does it take to get a property and casualty insurance license in Michigan?
The 40 of pre-licensing take most people 1–3 weeks. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Michigan Property & Casualty 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.