How to Get Your Michigan Insurance License in 2026
Michigan requires state-approved pre-licensing education before you can sit for the producer exam. Plan for a 5-8 week timeline.
Michigan insurance license — quick facts
| State regulator | Michigan Department of Insurance and Financial Services (DIFS) |
| Exam vendor | Prometric |
| Pre-licensing education | Required — hours TBD |
| Exam fee (resident) | ~$57 per attempt |
| License application fee | ~$30-$60 per line |
| Fingerprinting | May be required |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete pre-licensing education
Michigan requires state-approved pre-licensing education for resident producers. {/* TODO: verify DIFS' current PLE hours per line */} The course must be from a DIFS-approved provider.
- 2
Schedule your Prometric exam
Michigan contracts with Prometric for insurance license exams. Register at prometric.com/michigan-insurance, pick a testing center, and pay the current exam fee (~$57 per attempt). {/* TODO: verify */}
- 3
Pass the exam
Michigan uses a 70% passing standard for resident producer exams. Prometric sends your score directly to DIFS within 24-48 hours.
- 4
Submit your DIFS license application
Apply through NIPR or Sircon. Michigan license fees run ~$30-$60 per line. {/* TODO: verify */}
- 5
Background check
Michigan may require fingerprinting for new resident producers. {/* TODO: verify */}
- 6
Get appointed by a carrier
A producer license alone doesn't authorize you to sell — you need at least one carrier appointment.
What's on the Michigan P&C exam
Standard NAIC P&C framework plus Michigan-specific statutes (MCL 500.1200 et seq.).
- Michigan insurance regulation — ~15-20%
- General insurance principles — ~10-15%
- Property — ~20-25%
- Casualty — ~25-30%
- Commercial Package, BOP, WC, Surety — ~15-20%
CE requirements after licensing
Michigan producer licenses renew every 2 years with 24 hours of DIFS-approved CE including 3 hours ethics.
Cost breakdown
- State-approved PLE: $200-$400
- Prometric exam fee: ~$57 per attempt
- License application: ~$30-$60 per line
- Biennial CE: $30-$200
Michigan course — coming soon
Pre-licensing is required in Michigan — we're working with DIFS to get our course approved. Sign up below to be notified when our Michigan exam-prep + PLE bundle launches.
Notify me when Michigan launches →Frequently asked questions
Does Michigan require pre-licensing education?
Yes. The Michigan Department of Insurance and Financial Services (DIFS) requires state-approved pre-licensing for resident producer licenses.
What's the passing score on the Michigan insurance exam?
70% — Prometric administers and sends results to DIFS.
Is Elite Training Academy approved in Michigan?
Not yet. We're working to file our course with DIFS as an approved provider. Sign up to be notified when our Michigan course launches.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
- Michigan DIFS
- Prometric Michigan Insurance Candidate Bulletin
- NIPR — National Insurance Producer Registry
- MCL 500.1200 et seq. — Insurance producer licensing
This guide is based on DIFS and Prometric published procedures current as of 2026. Always verify current requirements at michigan.gov/difs before relying on any specific number.