Mississippi License Cost
How Much Does It Cost to Get a Mississippi Insurance License?
The estimated total cost to get your Mississippi insurance license is $350-500 estimated total cost. Here's the full breakdown — prelicensing, exam, application, and fingerprint fees — plus how JustInsurance's $199 all-in prelicensing keeps you on the low end.
Mississippi Insurance License Cost Breakdown
Every fee you'll pay between today and your active Mississippi insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical MS Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $550.00 | $199 |
State exam fee (Pearson VUE) Paid directly to Pearson VUE; not refundable on a fail. | $52 | $52 |
License application fee (MID) Paid to the Mississippi Insurance Department via NIPR or sircon at submission. | $100 | $100 |
Fingerprinting / background check Mississippi does not require fingerprinting for resident insurance license applicants. | Not required | Not required |
| Estimated Total (low–high) | $702 | $351 |
Estimates based on current published fees from the Mississippi Insurance Department, Pearson VUE, and the JustInsurance prelicensing catalog. Last verified March 2026. Individual costs may vary by line of authority, fingerprint provider, and county. Total cost range reported by the MID: $350-500 estimated total cost.
Why JustInsurance Costs Less in Mississippi
Most Mississippi prelicensing providers charge separately for practice exams, retake protection, and pass guarantees. We bundle all three into the $199 base price.
JustInsurance — All-Inclusive
$199 prelicensing
- ✓State-approved Mississippi prelicensing course
- ✓Unlimited practice exam access
- ✓Pass guarantee — refund or rebook if you fail (terms apply)
- ✓Affirm financing (3, 6, or 12 months)
- ✓93% pass rate among compliant students
Typical Mississippi Provider Stack
$300+ à la carte
- ·Base prelicensing course ($199–$299)
- ·Practice exams sold separately ($49–$99)
- ·Pass guarantee usually a paid upgrade
- ·Limited course-access window (often 30 days)
- ·No published pass rate
Estimated savings vs typical MS provider stack
$351
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Mississippi Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Mississippi insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Mississippi insurance agent earning $67,170 per year and entry-level agents starting at $29,520, most new licensees earn back their full licensing cost within their first month of selling. The MID reports 2,200 licensed agents currently active in Mississippi, with concentrations in Jackson and Gulfport. Career advancement is also fast: experienced agents in Mississippi earn between $47,550 and $66,930, and top producers pull in $113,730+ annually.
On the maintenance side, your Mississippi license renews every 2 years (24 CE hours, 3 ethics) — that's another $39 every 2 years for a JustInsurance CE package, or roughly $10/course à la carte. Renewal deadline: Last day of birth month (every 2 years).
Hidden Costs to Watch in Mississippi
- Exam retakes. The Pearson VUE Mississippi exam fee ($52) is charged for every attempt. Retake rules: a 24-hour waiting period at a test center (14 days if testing online, and only 1 online attempt is allowed). Failing twice can add $104+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Appointment fees. Once your Mississippi license is issued, each insurance carrier you represent submits an appointment to the MID. Carriers typically cover the appointment fee, but a few pass it through to new producers — confirm before signing.
- Course-access expiration. JustInsurance gives you 30-day access to your prelicensing course; many competitors expire access after 30 days, forcing repurchase if your test-day slips. Certificate of completion validity in Mississippi: 2 years.
- CE non-compliance. Letting your Mississippi CE lapse triggers reinstatement fees and (if the lapse runs long) re-examination — a multi-hundred-dollar mistake. Renew on time: Last day of birth month (every 2 years).
Mississippi Insurance License Cost — FAQs
What is the total cost to get an insurance license in Mississippi?
Plan for $702 all-in to get your Mississippi insurance license. That covers prelicensing course, the $52 Pearson VUE exam fee, the $100 MID application fee, and the No separate fee background-check cost. Fingerprinting is not required in Mississippi JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Mississippi insurance exam?
If you fail the Mississippi state exam, you'll pay the $52 exam fee again for each retake — and depending on your prelicensing provider, you may need to repurchase course access. Retake rules: a 24-hour waiting period at a test center (14 days if testing online, and only 1 online attempt is allowed). JustInsurance includes a pass guarantee and unlimited practice exams to keep retake costs at zero.
How much does it cost to renew my Mississippi insurance license?
Mississippi requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Mississippi CE package for $39, with same-day reporting to the MID. Single courses start at $10.
Does JustInsurance offer payment plans for Mississippi prelicensing?
Yes — JustInsurance offers Mississippi prelicensing through Affirm, with monthly payment plans starting at $199 paid over 3, 6, or 12 months (subject to credit approval). You can also pay in full upfront. State exam fees, application fees, and fingerprinting are paid directly to the testing vendor, MID, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Mississippi courses?
JustInsurance offers a satisfaction-based refund policy on Mississippi prelicensing courses — see our terms for full details. State-collected fees (exam fee, $100 application fee, No separate fee background check) are non-refundable once paid to the MID or the testing vendor. Always confirm requirements before paying state fees.
Explore More Mississippi Resources
Dive deeper into Mississippi licensing, exam prep, and CE renewal.
Requirements
Mississippi License Requirements
Step-by-step legal and documentation requirements from the Mississippi Department of Insurance.
Practice
Mississippi Practice Exam
Free practice questions modeled on the Mississippi state licensing exam.
Prelicensing
Mississippi Prelicensing Courses
All state-approved prelicensing course options for Mississippi.
Life
Mississippi Life Insurance Prelicensing
Prelicensing course for the Life-only license in Mississippi.
Health
Mississippi Health Insurance Prelicensing
Prelicensing course for the Health-only license in Mississippi.
L&H
Mississippi Life & Health Prelicensing
Combined Life & Health prelicensing course for Mississippi.
CE
Mississippi Continuing Education
CE course catalog for Mississippi license renewal.
CE Life
Mississippi Life CE Renewal
CE hours for Mississippi Life license renewal.
CE Health
Mississippi Health CE Renewal
CE hours for Mississippi Health license renewal.
CE L&H
Mississippi Life & Health CE Renewal
Combined Life & Health CE for Mississippi license renewal.
Start Your Mississippi Insurance License for $199
All-inclusive prelicensing — practice exams, pass guarantee, and Affirm financing built in. Most students recoup the cost in their first month selling.
Start Now for $199