How to Get Your Minnesota Insurance License in 2026
A complete step-by-step guide to becoming a licensed insurance producer in Minnesota. Minnesota requires 20 hours of pre-licensing education per line before the exam.
Minnesota insurance license — quick facts
| State regulator | Minnesota Department of Commerce |
| Exam vendor | PSI |
| Pre-licensing education | Required — 20 hours per line |
| Exam fee (resident) | ~$45 per attempt |
| License application fee | ~$50 per line + tech surcharge |
| Fingerprinting | Required (~$63.75) |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete pre-licensing education
Minnesota requires state-approved pre-licensing education for first-time producer applicants — 20 hours per line of authority (Life, Accident & Health, Property, Casualty, Personal Lines) under Minn. Stat. 60K.36. You must present a paper course-completion certificate at the exam center.
- 2
Schedule your PSI exam
Minnesota contracts with PSI for insurance license exams. Register at psiexams.com, pick a testing center, and pay the current exam fee (~$45 per attempt).
- 3
Pass the exam
Minnesota uses a flat 70% passing standard for resident producer exams. PSI sends your score directly to the Department of Commerce. Exam results are valid for 3 years.
- 4
Submit your license application
Apply through Sircon (sircon.com/minnesota), the state's application portal. The Minnesota resident producer fee is about $50 per line of authority plus the current technology surcharge.
- 5
Complete fingerprinting
Minnesota requires all resident producer applicants to submit fingerprints for a state (BCA) and federal (FBI) background check. Electronic fingerprinting at a PSI test center runs about $63.75 and can be done the same day you pass your exam.
- 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 Minnesota P&C exam
Standard NAIC P&C framework plus Minnesota-specific statutes (Minn. Stat. ch. 60K).
- Minnesota 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
Minnesota producer licenses renew every 2 years with 24 hours of Department-approved CE including 3 hours ethics. At least 12 of the 24 hours must be non-company-sponsored, and no more than 8 hours can be credited per day.
Cost breakdown
- State-approved PLE (20 hrs per line): $150-$300
- PSI exam fee: ~$45 per attempt
- Fingerprinting (BCA/FBI via PSI): ~$63.75
- License application: ~$50 per line + tech surcharge
- Biennial CE: $30-$200
Test your readiness for free
Minnesota requires a 20-hour pre-licensing course per line from a state-approved provider before the exam. Once you've completed your coursework, run through our free practice exam to see where you stand before test day — no signup required.
Try the free practice exam →Frequently asked questions
Does Minnesota require pre-licensing education?
Yes. First-time producer applicants must complete 20 hours of state-approved pre-licensing education per line of authority (Minn. Stat. 60K.36) before sitting for the exam.
What's the passing score on the Minnesota insurance exam?
70% — PSI administers and sends results to the Department of Commerce.
How long does it take to get a Minnesota insurance license?
Typically 4-7 weeks.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
- Minnesota Department of Commerce
- PSI Exams — Minnesota
- Sircon Minnesota — license application portal
- Minn. Stat. ch. 60K — Insurance Producers
This guide is based on Minnesota Department of Commerce and PSI published procedures current as of 2026. Always verify current requirements at mn.gov/commerce before relying on any specific number.