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How to get an insurance license in Minnesota. P&C: 20 pre-licensing hours. L&H: 20 hours. Government fees: $277.25 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
91% of data points are verified against official sources. 2 fields based on preliminary research. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
20 hrs
P&C Education
20 hrs
L&H Education
2 years
Renewal Cycle
$277.25
Gov. Fees (Both)
Insurance Producer
Minnesota issues separate lines of authority for Life, Accident & Health, Property, Casualty, Personal Lines, and Variable Products. Producers may hold multiple lines. Each line requires 20 hours of pre-licensing education and a separate exam, though combined exams are available (e.g., Life/Accident & Health combined, Property & Casualty combined).
Other Available Lines of Authority
20 hours of approved pre-licensing education required
20 hours per license type.
Online courses: Allowed
Minnesota Property & Casualty Insurance Exam
Administered by Pearson VUE
Combined P&C: 145 questions; Property only: 85 questions; Casualty only: 85 questions
Questions
70%
Passing Score
Combined P&C: 3 hours; Individual lines: 2 hours each
Time Limit
$45
Exam Fee
Combined P&C exam has 145 questions with a 3-hour time limit. Individual Property or Casualty exams have 85 questions with a 2-hour time limit. 70% passing score required. Exams administered by PSI at test centers or online.
20 hours of approved pre-licensing education required
20 hours per license type.
Online courses: Allowed
Minnesota Life, Accident & Health Insurance Exam
Administered by Pearson VUE
Combined L&H: 145 questions; Life only: 85 questions; Accident & Health only: 85 questions
Questions
70%
Passing Score
Combined L&H: 3 hours; Individual lines: 2 hours each
Time Limit
$45
Exam Fee
Combined Life, Accident & Health exam has 145 questions with a 3-hour time limit. Individual Life or Accident & Health exams have 85 questions with a 2-hour time limit. 70% passing score required.
Minimum Age
18 years old
Education
No formal education requirement beyond pre-licensing course
Residency
Must apply as resident producer if domiciled in Minnesota. Non-residents apply through NIPR with active home state license.
Background Check
Minnesota requires fingerprint-based criminal background checks for all resident producer license applicants. Fingerprints are submitted to the Minnesota Bureau of Criminal Apprehension and the FBI. If you take the exam at a PSI test center in Minnesota, fingerprints are taken electronically at the test center after passing. Alternatively, fingerprints can be taken at a local police station.
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
| Fee | Amount |
|---|---|
Application Fee Application fee is $50 per line of authority plus a $20 technology fee. Plus $5.60 NIPR transaction fee if applicable. | $50 |
P&C Exam Fee Per exam session through PSI | $45 |
L&H Exam Fee Per exam session through PSI | $45 |
Fingerprinting Fee Fingerprint-based background check fee | $67.25 |
Total Gov. Fees (Single Line) Application ($50) + technology fee ($20) + exam ($45) + fingerprinting ($67.25) = $182.25. Add $5.60 NIPR transaction fee if applicable. | $182.25 |
Total Gov. Fees (Both Lines) Application ($100 for 2 lines) + technology fee ($20) + P&C exam ($45) + L&H exam ($45) + fingerprinting ($67.25) = $277.25. Add $5.60 NIPR transaction fee if applicable. | $277.25 |
Pre-Licensing Course Cost: $150-$400(per line)
Varies by provider. Per line. NOT a government fee. Minnesota requires 20 hours per line.
Complete 20 hours of approved pre-licensing education for Property and 20 hours for Casualty (or 40 hours combined P&C)
Pass the pre-licensing certificate exam with 70% or better (proctored)
Schedule and take the Property & Casualty exam through PSI
Pass the exam with 70% or better
Complete fingerprinting (electronically at PSI test center after passing or at a local police station)
Apply for your license through NIPR (nipr.com) or Sircon within 36 months of passing the exam
Pay the application fee ($50 per line + $20 technology fee)
Receive license approval from Minnesota Department of Commerce
Obtain appointment from at least one insurance carrier
Complete 20 hours of approved pre-licensing education for Life and 20 hours for Accident & Health (or 40 hours combined L&H)
Pass the pre-licensing certificate exam with 70% or better (proctored)
Schedule and take the Life, Accident & Health exam through PSI
Pass the exam with 70% or better
Complete fingerprinting (electronically at PSI test center after passing or at a local police station)
Apply for your license through NIPR (nipr.com) or Sircon within 36 months of passing the exam
Pay the application fee ($50 per line + $20 technology fee)
Receive license approval from Minnesota Department of Commerce
Obtain appointment from at least one insurance carrier
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Minnesota participates in NIPR and has reciprocity arrangements with most states. Non-resident producers with active home state licenses can obtain Minnesota licenses without additional exams. Non-residents are exempt from MN CE requirements if compliant in home state.
Additional requirements: Must hold active license in good standing in home state.
Renewal Cycle
2 years
Renewal Fee
$50 per line + $10 technology surcharge
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per 2-year renewal cycle. 3 hours must be in ethics. No more than 50% may be company-sponsored. Non-residents are exempt from MN CE if compliant in their home state.
Regulatory Board
Unique to Minnesota: Minnesota has an unusually long 36-month exam score validity period, compared to 12 months in most states. The state also charges a separate 'technology fee' on top of application and renewal fees. Minnesota requires fingerprinting at the PSI test center after passing the exam.
Explore requirements for other professional licenses in Minnesota.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#1 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$53,940
25th percentile
Median
$78,650
+30% vs. national avg ($60,370)Experienced
$101,320
75th percentile
Wage Distribution (Annual)
9,470 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder
You are here
Insurance Agent
$78,650
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$78,650
Adjuster licensing + claims experience
$78,060
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Minnesota Department of Commerce — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Minnesota Department of Commerce — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Minnesota Department of Commerce — Licensing Requirements
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