If you want to sell auto insurance, homeowners insurance, business property coverage, liability insurance, and other property and casualty products in Michigan, you will need the right license before you can legally transact business.

The main license path for this career is the Michigan Property and Casualty Producer/Solicitor license. This license is regulated by the Michigan Department of Insurance and Financial Services, known as DIFS, and the licensing exam is administered by PSI.

Michigan also has a required prelicensing education step. That means you cannot simply schedule the exam cold. You must complete the required Michigan P&C prelicensing course first, then prepare for the PSI exam itself.

For the required prelicensing education course, we recommend Achievable.me. TESTivity does not provide the required Michigan prelicensing course. Instead, TESTivity helps you after that requirement is complete, with Michigan-specific P&C exam prep tools built to help you pass the PSI exam.

This page focuses specifically on the Michigan P&C licensing process. For broader licensing information, see Insurance Licensing in Michigan: Complete Guide to License Types and Requirements. For life and health licensing, see How to Get a Life and Health Insurance License in Michigan. For exam strategy, see How to Pass the Michigan Insurance Licensing Exam.

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Michigan Property and Casualty Insurance License Quick Facts

Topic	Michigan P&C Requirement
License type	Property and Casualty Producer/Solicitor
State regulator	Michigan Department of Insurance and Financial Services, DIFS
Testing vendor	PSI
Required prelicensing education	40 hours
Application method	NIPR electronic resident licensing application
Exam title	Property and Casualty Producer/Solicitor
Exam time limit	2.5 hours
Number of exam items	150
Cut score	74%
Exam fee	$41
Resident producer application fee	$10 plus transaction fee
Application validity	180 days from entry into the DIFS database
PE certificate validity	12 months from course completion
Remote testing	Discontinued for new registrations effective June 10, 2025

DIFS lists 40 hours of required prelicensing education for Michigan Property and Casualty candidates. The Michigan exam cut score document lists the Property and Casualty Producer/Solicitor exam at 150 items with a 74% cut score, and the current Michigan PSI bulletin lists the same exam as 2.5 hours with 150 items and a 74% cut score.

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5 Steps to Get a Michigan Property and Casualty Insurance License

Step 1: Make Sure P&C Is the Right License for You

A Michigan property and casualty insurance license is designed for candidates who want to sell insurance products that protect people and businesses from financial loss involving property damage, liability, auto accidents, theft, fire, weather events, business losses, and related risks.

Common P&C products include:

• Personal auto insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Personal umbrella insurance
• Commercial property insurance
• General liability insurance
• Businessowners policies
• Commercial auto insurance
• Workers’ compensation-related products
• Inland marine and other specialty property coverages

If you plan to sell life insurance, health insurance, disability income, Medicare-related products, or annuities, review How to Get a Life and Health Insurance License in Michigan instead.

If you are still deciding which license you need, start with Insurance Licensing in Michigan: Complete Guide to License Types and Requirements.

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Step 2: Complete Michigan P&C Prelicensing Education

Michigan requires resident Property and Casualty candidates to complete 40 hours of prelicensing education before taking the licensing exam. DIFS states that prelicensing coursework must be completed before the initial exam attempt, and that the candidate must receive an official certificate of completion from the education provider.

The current PSI Candidate Information Bulletin also states that certain Michigan exams require completion of prelicensing education before testing. If a candidate has not successfully completed the required prelicensing program before taking the exam, the examination results may be invalidated.

Because TESTivity does not offer the required Michigan prelicensing course, we recommend Achievable.me for that portion of the process.

Think of the required course as your ticket into the stadium. It gets you eligible to test. But the exam itself is still waiting on the field, wearing shoulder pads and asking tricky liability questions.

That is where TESTivity comes in. Once your required prelicensing course is complete, TESTivity’s Michigan P&C tools help you prepare for the actual PSI exam.

Step 3: Apply for Your Michigan P&C License Through NIPR

Michigan resident producer applicants submit their license application electronically through the National Insurance Producer Registry, or NIPR.

DIFS states that resident producer candidates must file an Electronic Resident Licensing application through NIPR. The Michigan license application fee is $10, plus a transaction fee, and the application is valid for 180 days from entry into the DIFS database.

Michigan application timing matters

Your prelicensing education, NIPR application, and PSI exam registration should all line up. Use your legal name consistently, and make sure your license type matches your intended exam.

A small mismatch between your prelicensing record, NIPR application, and PSI registration can slow down the process. Nobody wants a clerical hiccup goblin sitting between them and a license.

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Step 4: Schedule the Michigan PSI P&C Exam

Michigan insurance licensing exams are administered by PSI. The current Michigan PSI Candidate Information Bulletin says PSI conducts the insurance examination program for DIFS and provides exams through computer examination centers in Michigan and other locations throughout the United States.

The Michigan Property and Casualty Producer/Solicitor exam details are:

Michigan P&C Exam Detail	Information
Exam title	Property and Casualty Producer/Solicitor
PSI exam series	16-81
Time limit	2.5 hours
Number of items	150
Cut score	74%
Exam fee	$41

The PSI bulletin lists the Michigan examination fee as $41 and states that examination fees are nonrefundable and nontransferable.

Michigan P&C exams are in person

Michigan has discontinued remote proctored insurance exams for new registrations. DIFS states that effective June 10, 2025, new registrations for remote insurance examinations are no longer accepted, and exams are available only at authorized PSI testing centers. (michigan.gov)

The PSI bulletin says candidates should arrive 30 minutes before the scheduled exam time and bring valid, non-expired, signature-bearing photo identification.

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Step 5: Prepare With Michigan-Specific P&C Exam Prep

After completing your required prelicensing education, your next goal is not just to “study more.” Your goal is to prepare for the Michigan PSI P&C exam.

That distinction matters.

A Michigan P&C exam is not the same thing as a generic national property and casualty quiz. You need to know national insurance concepts, but you also need Michigan law, Michigan-specific rules, and PSI-style question wording.

Over the last 20+ years, TESTivity has learned that the testing provider matters. Prometric exams, Pearson VUE exams, and PSI exams do not always feel the same. The pacing, wording, answer traps, recurring formats, and screen experience can differ.

The worst thing you can do is study with material that does not represent what you are actually going to see on the screen in the testing center.

TESTivity’s Michigan P&C study tools are built from the ground up with Michigan in mind. They are not the same old generic material other providers sell with “Michigan” sprinkled across the top like powdered sugar.

TESTivity helps Michigan P&C candidates prepare with:

• Michigan-specific P&C study manual review
• PSI-style P&C exam simulator questions
• Flashcards for policy terms, exclusions, conditions, and definitions
• Audio review for repetition
• Expert video instruction
• Mind maps for policy structure and coverage relationships
• Learning games for memory reinforcement
• AI tutor support for weak areas
• Final test-day cheat sheet
• Readiness scoring through simulated final exams

For the full strategy, see How to Pass the Michigan Insurance Licensing Exam.

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Michigan P&C Exam Details

The Michigan Property and Casualty Producer/Solicitor exam is a combined exam. It tests both property insurance and casualty insurance concepts, along with Michigan insurance law.

What the Michigan P&C exam covers

A Michigan P&C candidate should be ready for topics such as:

General Insurance Concepts

This includes risk, hazards, perils, indemnity, insurable interest, contracts, declarations, conditions, exclusions, endorsements, deductibles, limits of liability, and the role of producers.

Property Insurance Basics

This includes direct and indirect loss, property valuation, replacement cost, actual cash value, coinsurance, vacancy, cancellation, mortgagee rights, and common property policy provisions.

Dwelling and Homeowners Policies

This includes coverage forms, covered property, excluded property, additional coverages, liability coverage, medical payments, conditions, endorsements, and common personal residential coverage issues.

Auto Insurance

Michigan P&C candidates should be especially careful with auto insurance concepts because Michigan has state-specific auto insurance rules and no-fault insurance features. Auto questions can become a thornbush if you only study generic national material.

Commercial Property and Liability

This includes commercial property coverage, businessowners policies, commercial general liability, commercial auto, crime, inland marine, equipment breakdown, and related business coverage forms.

Workers’ Compensation

Candidates should understand the purpose of workers’ compensation coverage, employer obligations, covered injuries, benefits, and how workers’ compensation fits into the broader casualty insurance universe.

Michigan Insurance Laws and Rules

Michigan law questions may test producer licensing, unfair trade practices, appointment rules, fiduciary responsibility, marketing practices, policy cancellation and nonrenewal rules, and state-specific regulatory requirements.

The PSI bulletin advises candidates to review the current Michigan Insurance Examination Content Outline before testing because cut scores and outlines are subject to change.

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Michigan P&C Exam Fees

Fee Type	Amount
Michigan PSI P&C exam fee	$41
Michigan resident producer application fee	$10
NIPR transaction fee	Additional transaction fee
Required prelicensing education	Varies by provider
Optional exam prep tools	Varies by package

The PSI bulletin lists the Michigan exam fee as $41, nonrefundable and nontransferable. DIFS lists the resident producer license application fee as $10 plus a transaction fee.

If you do not pass the exam within the application validity window, you may need to submit a new application and pay a new application fee. DIFS states that an application is valid for 180 days from entry into the DIFS database.

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Fingerprinting and Background Check Information for Michigan P&C Candidates

Michigan’s official resident producer licensing process emphasizes prelicensing education, the NIPR application, and passing the required examination. DIFS also directs applicants to review background-question guidance before applying.

At the time of this writing, the official DIFS resident producer process reviewed for this page does not list routine fingerprinting as a standard resident producer step.

However, background disclosures still matter. If you have a prior criminal history, administrative action, unpaid obligation, or other disclosure issue, answer application questions carefully and review DIFS guidance before submitting your application.

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Michigan P&C License Application Process

Here is the simplified Michigan P&C license application sequence.

1. Complete your required P&C prelicensing education

Michigan requires 40 hours of prelicensing education for Property and Casualty. Complete this requirement through Achievable.me or another approved Michigan provider.

2. Submit your resident producer application through NIPR

File the Electronic Resident Licensing application through NIPR. DIFS lists the license application fee as $10 plus a transaction fee, and the application is valid for 180 days.

3. Schedule your PSI exam

Use PSI to schedule the Michigan Property and Casualty Producer/Solicitor exam. You must test in person at a PSI testing location because remote exam registrations have been discontinued.

4. Pass the Michigan P&C exam

The combined Michigan P&C exam has 150 items, a 2.5-hour time limit, and a 74% cut score.

5. Watch for license approval

After you pass and all required data is matched to your application, DIFS reviews the application. Make sure all personal information is consistent across your course provider, NIPR, and PSI records.

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Michigan Property and Casualty License Renewal and Continuing Education

After you earn your Michigan P&C license, you must keep it active by meeting Michigan continuing education requirements.

Michigan resident producers must complete 24 hours of continuing education every two years, including at least 3 hours of ethics. DIFS also allows up to 12 additional credits to carry forward to the next CE review period after the minimum requirement is satisfied. (michigan.gov)

If you miss your CE deadline, your license may be suspended for education. During an education suspension, you may be able to service existing business, but you may not transact new insurance business.

That is not where you want to be. It is the regulatory version of having your keys but not being allowed to start the car.

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Michigan-Specific P&C Licensing Quirks

Michigan has several details that P&C candidates should keep in mind.

Michigan requires 40 hours of P&C prelicensing education

You must complete the required coursework before taking the exam. If you take the exam without completing the required prelicensing education, your exam results may be invalidated.

The combined Michigan P&C exam has a 74% cut score

Do not assume that every insurance exam uses a flat 70% passing score. Michigan’s combined Property and Casualty Producer/Solicitor exam uses a 74% cut score.

Remote testing is no longer available for new registrations

Michigan discontinued new remote proctored insurance exam registrations effective June 10, 2025. Candidates should plan for an in-person PSI exam. (michigan.gov)

The PSI format matters

The Michigan P&C exam is delivered by PSI, and the style of the test matters. You want practice questions that feel like the Michigan PSI exam, not generic questions built for a different state, different outline, or different testing vendor.

Michigan auto insurance deserves extra attention

Property and casualty candidates should be especially careful with Michigan auto insurance, no-fault concepts, coverages, exclusions, limits, and state-law rules. This is one of those areas where generic P&C study material can leave a candidate underprepared.

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TESTivity Michigan P&C Exam Prep

Michigan requires prelicensing education, but the required course is only the first part of the journey.

The real test is the PSI exam.

TESTivity’s Michigan P&C study tools are designed to help you move from “I completed the course” to “I am ready to sit for the exam.” That means repetition, realistic practice, weak-area review, and state-specific reinforcement.

The TESTivity Michigan P&C approach includes:

Michigan-Specific Study Manual

Use the study manual to review core P&C topics in plain English, including policy structure, property coverage, liability coverage, auto insurance, business policies, exclusions, endorsements, and Michigan law.

PSI-Style Exam Simulator

Practice with questions designed to reflect the way Michigan candidates are likely to encounter P&C concepts on a PSI exam. The simulator helps train timing, question recognition, and decision-making under pressure.

Flashcards

Use flashcards to drill definitions, policy parts, exclusions, producer duties, unfair trade practices, and tricky vocabulary.

Audio Course

Listen while driving, walking, or doing chores. P&C content is dense, and repetition is the little engine room below the deck.

Video Instruction

Use video lessons to clarify concepts that do not stick through reading alone.

Mind Maps

See how policies, coverages, exclusions, and conditions connect. P&C is full of branching logic, and mind maps help turn the maze into a map.

Learning Games

Use crosswords, matching exercises, and other learning games to reinforce terms and concepts through active recall.

AI Tutor

Ask questions, review weak areas, and get explanations when a topic feels foggy.

Test Day Cheat Sheet

Use the cheat sheet for final review before exam day, especially for concepts that are easy to confuse under pressure.

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FAQ: Michigan Property and Casualty Insurance License

About This Michigan P&C Insurance License Guide

This guide was created by the TESTivity insurance exam prep team to help Michigan candidates understand the property and casualty licensing process and prepare for the Michigan PSI exam.

TESTivity has spent more than 20 years helping insurance licensing candidates study for content-heavy, multiple-choice certification exams. Requirements can change, so always confirm current rules with the Michigan Department of Insurance and Financial Services, PSI, and NIPR before applying, scheduling, or testing.