Minnesota License Requirements
Minnesota Insurance License Requirements (2026)
Everything you need to know to get and keep your Minnesota insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Minnesota Insurance License Requirements at a Glance
Key facts for getting and maintaining your Minnesota insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Minnesota |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | PSI Services LLC |
| Exam Fee | $45 |
| Passing Score | 70% |
| Application Fee | $50 |
| Background Check Cost | $65 |
| Fingerprinting Required | Yes |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Minnesota licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Minnesota Insurance License
Follow these five steps to go from zero to licensed in Minnesota.
Complete Prelicensing Education
Minnesota requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Minnesota Prelicensing Courses →Schedule and Pass the State Exam
The Minnesota insurance licensing exam is administered by PSI Services LLC. The exam fee is $45, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with PSI Services LLC →Complete Fingerprinting
Fingerprinting required through PSI test centers
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $50. Processing typically takes 10 business days.
Apply for Your Minnesota License →Get Appointed and Start Selling
Once your Minnesota insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Minnesota Department of Commerce. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Minnesota Fingerprinting Requirements
Fingerprinting required through PSI test centers
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Minnesota CE Renewal Requirements
To keep your Minnesota insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Minnesota licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
DOC
Regulatory Body
Minnesota Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Minnesota.
Insurance Code
Minnesota Statutes, Chapters 60A–79A – InsuranceView Statute
Prelicensing Education
Minn. Stat. § 60K.36, Subd. 4
Examination Requirements
Minn. Stat. 60K.36 Subd. 1
Age Requirements
Minn. Stat. § 60K.37, subd. 2(1)
Background Check
Minn. Stat. Sec. 60K.37 Subd. 2a
Fingerprinting
Minn. Stat. § 60K.37 Subd. 2a
License Application
Minn. Stat. § 60K.37 subd. 2
CE Requirements
Minn. Stat. 60K.56
CE Ethics
Minn. Stat. §60K.56
Administrative Code
Agency 120 - Commerce Department (Chapters 2700-2880 series)View Statute
Provider Regulation
Minnesota Statutes §§45.30 and 45.31
Minnesota Insurance License Requirements — FAQs
How long does it take to get a Minnesota insurance license?
Most candidates complete the Minnesota insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Minnesota?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Minnesota?
Fingerprinting required through PSI test centers
Can I transfer my insurance license from another state to Minnesota?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam is required.
How much does a Minnesota insurance license cost?
The total cost to get your Minnesota insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($45), the state application fee ($50), and the background check cost ($65). Individual costs vary based on the line of authority you choose.
What are the Minnesota CE requirements?
Minnesota requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Minnesota licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Do Minnesota insurance prelicensing certificates expire?
No. Unlike most states, Minnesota prelicensing certificates do not expire. Once you complete your approved prelicensing course, you can take your time scheduling the state exam without the pressure of a 6-month or 12-month certificate expiration window. This flexibility is helpful for candidates who need to manage work and family obligations while studying. Minnesota uses Pearson VUE for exam administration.
What are the prelicensing hour requirements in Minnesota?
Minnesota requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Minnesota Insurance License?
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