Minnesota insurancelicense requirements
Minnesota insurance license at a glance
- Prelicensing course
- 20 hours per line
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $45 per producer exam
- License fee
- $50 + $50 per line, $10 tech fee
- Fingerprints
- Required, through PSI
- Continuing education
- 24 hours per licensing period
How to become an insurance agent in Minnesota
Below, you'll find the steps to a Minnesota insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Minnesota insurance producers
Contact the Minnesota insurance department
How much do insurance agents make in Minnesota?
Minnesota average insurance agent salary (all lines): $100,270
That is the mean annual wage for insurance sales agents in Minnesota in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $87,136
- Health insurance agent: $54,015
- Property and casualty insurance agent: $46,785
Please note that salaries will vary based on experience level and local demand.
Does Minnesota require prelicensing education?
Minnesota requires producer licensing candidates to take and complete a state-approved prelicensing course (20 hours per line of authority). You will also need to apply to your license with the state insurance department and register for the state licensing exam. Make sure to register for all 3 (prelicensing course, license application, state exam) using the personally identifiable information exactly as it appears on your government-issued ID. Discrepancies will delay the licensing process.
How do I get my insurance license in Minnesota?
Becoming an insurance producer in Minnesota requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Enroll in a Department of Insurance-approved prelicensing course. Once you complete the course and pass the Certificate Exam, Achievable will process and issue your Certificate of Completion within 2 business days, though validation might delay this. Download and print the certificate from your Achievable account to bring to your state exam. The certificate remains valid indefinitely. Ensure you finish the prelicensing course and obtain your certificate before sitting for the state exam, or your results will be invalidated, requiring a retake.
- Step 2: Book your exam with PSI Services LLC through their https://test-takers.psiexams.com/mnins or by calling (866) 395-1006. You can choose between an in-person PSI center or a remote online proctored exam. Payment is required at the time of booking. Cancel or reschedule by notifying PSI at least 48 hours in advance to avoid losing your fee. Minnesota requires fingerprints, which are taken at the PSI test site on exam day for $66.75, paid at the test site. See the candidate bulletin at https://test-takers.psiexams.com/api/content/bulletin/10983 for details.
- Step 3: On the day of your exam, bring one government-issued ID that has your photo and signature and matches the name you scheduled with. Also, present your certificate of completion. Security measures are in place, so check the candidate bulletin for details. Score reports are available immediately for in-person exams or via your PSI account for online exams.
- Step 4: After you pass the exam and submit your fingerprints, apply for your license. Minnesota residents should use NIPR at https://nipr.com or Sircon at https://www.sircon.com/resource/layout.jsp?page=minnesotaLps&type=minnesota.
If you need assistance with any of these steps or have questions about specific requirements, contact the Minnesota insurance department for the most current information.
Minnesota insurance exam information
Minnesota Life Insurance
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (75 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 57.3% (1,238 of 2,159 first-time test takers, 2025) |
Minnesota Accident and Health Insurance
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (75 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 58.8% (446 of 759 first-time test takers, 2025) |
Minnesota Life, Accident and Health Insurance
| Detail | Value |
|---|---|
| Questions | 145 Total Questions (130 scored, 15 pretest) |
| Time limit | 3 Hours |
| Passing score | 70% |
| Pass rate | 63.3% (1,369 of 2,162 first-time test takers, 2025) |
Minnesota Property Insurance
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (75 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 49.1% (28 of 57 first-time test takers, 2025) |
Minnesota Casualty Insurance
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (75 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 65.3% (32 of 49 first-time test takers, 2025) |
Minnesota Property and Casualty Insurance
| Detail | Value |
|---|---|
| Questions | 145 Total Questions (130 scored, 15 pretest) |
| Time limit | 3 Hours |
| Passing score | 70% |
| Pass rate | 59.4% (862 of 1,451 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Minnesota insurance licensing fees
- Initial license fees: Resident Insurance Producer $50 per LOA; Resident Surplus Lines $500; Nonresident Insurance Producer $50 per LOA; Nonresident Surplus Lines $500
- Renewal fees: Resident Producer $50; Resident Surplus Lines $500; Nonresident Producer $50; Nonresident Surplus Lines $500
- Resident license renewal date: Last day of birth month every 2 years
- Nonresident license renewal date: Last day of birth month every 2 years
How can I apply for a non-resident insurance license in Minnesota?
- 1. Must be at least 18 years old. Must answer background questions.
- 2. Reciprocity generally applies. Home state license must be active and in good standing.
- 3. Business or residence addresses must not a P.O. Box.
- 4. Variable requires Life authority.
- 5. Apply via NIPR ($100)
Minnesota carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Initial appointment deadlines: Within 15 days of contract execution or first business submission
- Initial appointment deadline rule: MN ST § 60A.14 (must be submitted within 15 days of contract or first insurance contract)
- Can be processed via NIPR: Yes
- Fees for appointing resident or nonresident: $30
- Appoint agencies: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes (not future, less than 30 days old)
- State requires appointment renewal: Yes - via Minnesota portal
- Appointment renewal fee: None
Minnesota insurance license termination details
- Terminations processed via NIPR: Yes
- Termination fee: None
- Termination reason: Cancelled by general agent
- Carrier may specify termination date: Yes (not future, less than 30 days old)
- Allows carriers to terminate if license expired: No
- Not-for-cause notices must be mailed
Minnesota insurance license renewals
Resident renewal period begins 90 days before expiration ; Nonresident renewal period begins 90 days before expiration ; Late renewal/reinstatement: Up to 1 year ; Agency renewals: 90 days prior to expiration until October 31
Minnesota insurance license continuing education (CE) requirements
- CE total hours: 24 every 2 years
- CE due before renewal: Yes
- CE due date: Last day of birth month
- Ethics: 3 hours
- Flood (NFIP): 3 hours
- LTC: 8-hour initial + 5 hours per renewal cycle (MN-specific)
- Annuity: one-time 4-hour course
- Adjusters CE: 24 hours including 3 ethics
- CE rollover: 12 general hours
- CE instructors get credit: Yes
- MNsure staff must complete MNsure-specific training
Minnesota insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 20 hours per line. Allow time for your fingerprint appointment too. After you pass, you have 36 months to apply.
Yes. Minnesota candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $45 per producer exam for the exam and $50 + $50 per line, $10 tech fee for the license. Fingerprinting and any exam prep are extra.
Yes. Minnesota sets this requirement: 20 hours per line.
The passing score is 70%. In 2025, 63.3% of first-time test takers passed the Minnesota life and health exam, according to the NAIC.
Yes. Resident applicants in Minnesota are fingerprinted through PSI.
Apply through Sircon or NIPR after you pass your exam.
Minnesota requires 24 hours per licensing period to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam provider, exam fee, fingerprints, passing score, online exams, where to apply and time to apply after passing: test-takers.psiexams.com
- License fee: nipr.com
- Continuing education: revisor.mn.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Minnesota and exam provider sources as of . Licensing rules and fees change, so confirm them with the Minnesota insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Minnesota, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
