Key Takeaways
- Minnesota requires 40 hours of pre-license education: 20 hours for Property and 20 hours for Casualty
- The Minnesota P&C exam has 145 questions with a 3-hour time limit and requires 70% to pass
- PSI Services administers Minnesota insurance exams at testing centers statewide
- All applicants must complete fingerprint-based background check ($65 fee)
- License application fee is $60 plus $50 per line of authority ($160 total for Property & Casualty)
Minnesota P&C Producer Licensing Requirements
To become a licensed Property & Casualty insurance producer in Minnesota, you must meet specific education, examination, and application requirements.
Step-by-Step Licensing Process
Step 1: Complete Pre-License Education
Education Requirements:
- 40 hours total of Minnesota-approved pre-license education
- 20 hours for Property Line
- 20 hours for Casualty Line
- Available in classroom or online formats
- Must be completed before taking the exam
Note: If you only want one line (Property OR Casualty), you only need to complete 20 hours for that specific line.
Step 2: Pass the Licensing Exam
Exam Details:
| Detail | Information |
|---|---|
| Questions | 145 scored questions |
| Time Limit | 3 hours (180 minutes) |
| Passing Score | 70% |
| Testing Provider | PSI Services |
| Exam Options | Property only, Casualty only, or Combined P&C |
| Results Validity | 3 years |
Scheduling Your Exam:
- Register at PSI Exams website
- Can take at testing center or via remote proctoring
- Bring government-issued photo ID
Retake Policy:
- No waiting period between attempts
- Can retake exam immediately if you fail
Step 3: Complete Background Check
After passing the exam, you must complete a fingerprint-based criminal background check:
- Required for all license applicants
- Cost: $65
- Processed through authorized fingerprinting service
- Results sent directly to Minnesota Department of Commerce
Step 4: Submit License Application
Application Process:
- Apply online through Sircon
- Must apply within 3 years of passing exam
License Fees:
- Application fee: $60
- Per line of authority: $50 each
- Total for Property & Casualty: $160
Age Requirement
Applicants must be at least 18 years old to obtain a Minnesota insurance producer license.
Resident vs. Non-Resident Licenses
Resident License
- For individuals who reside in Minnesota
- Must complete Minnesota pre-license education
- Must pass Minnesota state exam
Non-Resident License
- For individuals licensed in another state
- If your home state has reciprocity with Minnesota, you may not need to take the Minnesota exam
- Must hold an active resident license in your home state
License Duration and Renewal
License Term:
- Valid for 2 years
- Expires on the last day of the licensee's birth month
Continuing Education (CE):
- 24 hours of CE required every 2 years
- Must include 3 hours of ethics
- Must be completed before license expiration
Appointment Requirements
After receiving your license, you must be appointed by an insurance company to sell their products:
- Insurance companies submit appointment on your behalf
- Appointment fee: $50 per company
- Must be renewed every 2 years with license
Producer License Lines of Authority
Minnesota offers these P&C lines of authority:
| Line of Authority | What You Can Sell |
|---|---|
| Property | Homeowners, dwelling, commercial property, inland marine |
| Casualty | Auto, general liability, workers' compensation, umbrella |
| Personal Lines | Subset of Property & Casualty for personal insurance only |
| Surplus Lines | Non-admitted insurance (requires additional qualifications) |
Exam Tip: Most producers obtain both Property AND Casualty lines to sell the full range of P&C insurance products.
How many hours of pre-license education does Minnesota require for a combined Property & Casualty license?
What is the application fee for a Minnesota P&C producer license covering both Property and Casualty lines?
How many hours of continuing education (CE) does Minnesota require for P&C license renewal?