How to Get Your Minnesota Insurance License in 2026
Compare 5 DOC-approved Minnesota insurance pre-licensing schools. See costs, Pearson VUE exam details, and get your Minnesota insurance license — Life & Health or Property & Casualty.
Course Cost
$109 – $300
Time to License
4 – 6 weeks
Avg MN Salary
$72,000/yr
Required Hours
20 hrs/line
Top 3 Minnesota Insurance Pre-Licensing Schools
1. ExamFXBest Value
All MN tracks starting at $169.95. 94-99% pass rate claim. DOC-approved with pass guarantee. Video and Live Online tiers up to $299.95.
From $169.95
L&H Self-Study
2. A.D. BankerPass Guarantee
Silver $169.95 / Gold $196.90 / Platinum $296.85. Pass Guarantee on every tier. DOC-approved with 6-month access.
From $169.95
Silver Package
3. WebCEState-Approved
DOC-approved (#21015056). Completions reported to DOC. Most affordable pre-licensing from $109.95.
From $109.95
L&H Complete
Best Minnesota Insurance Pre-Licensing Courses
All 5 schools are Minnesota MNDOC-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
State-ApprovedStarting at
$109.95
- MN DOC-approved pre-licensing provider (#21015056)
- Completions reported to DOC -- satisfies 20-hr requirement
- Competitive pricing starting at $109.95
- L&H and P&C tracks available
Available Packages (3)
Life & Health -- Exam Prep Complete
- MN L&H pre-licensing (20 hrs)
- DOC-approved content
- Practice exams
- Completion certificate
Kaplan Financial Education
Most ComprehensiveStarting at
$139
- MN DOC-approved pre-licensing provider
- Most comprehensive course library
- Multiple tiers including live instructor option
- Established industry brand since 1938
Available Packages (3)
OnDemand -- Self-Study
- MN pre-licensing (20 hrs)
- On-demand video lectures
- Practice exams
- DOC-approved certificate
ExamFX
Best ValueStarting at
$169.95
- MN DOC-approved pre-licensing provider
- Starting at $169.95 -- lowest verified MN price
- 94-99% pass rate claim with pass guarantee
- Three tiers: Self-Study, Video, and Live Online
Available Packages (4)
Life & Health -- Self-Study
- MN L&H pre-licensing (20 hrs)
- Online exam simulations
- DOC-approved certificate
- Instructor support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- MN DOC-approved pre-licensing provider
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online pre-licensing (20 hrs)
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- MN DOC-approved pre-licensing provider
- 3-part system: Pre-licensing + Prep Review + Exam Simulator
- Prepared to Pass Promise on Premier
- L&H and P&C tracks available
Available Packages (2)
L&H Standard
- MN L&H pre-licensing (20 hrs)
- Exam prep review
- Exam simulator
- Certificate of completion
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Minnesota Insurance License?
A Minnesota insurance license is a state-issued credential required by the Minnesota Department of Commerce (DOC) to legally sell insurance products in Minnesota. Agents must complete DOC-approved pre-licensing education, pass the Pearson VUE state exam, and apply via NIPR.
Life & Health
20 hrs per line (40 hrs combined)
Life, health, annuities, Medicare
Property & Casualty
20 hrs per line (40 hrs combined)
Auto, homeowners, commercial lines
Personal Lines
20 hours required
Personal auto & homeowners only
How Much Do Minnesota Insurance Agents Earn?
MN Average
$72,000/yr
Source: Salary.com (2026)
Top Producers
$110,000–$160,000+
Independent agents in Twin Cities
Top Minnesota Insurance Markets
How to Get Your Minnesota Insurance License
Enroll in DOC-Approved Pre-Licensing
Select your line of authority (Life, Health, Property, Casualty, or Personal Lines — 20 hrs each) and enroll in a DOC-approved course. All schools listed above are approved.
Complete Your Course and Receive Your Certificate
Complete all 20 hours and pass the provider's course exam. Your completion certificate is then issued and reported to DOC.
Apply via NIPR
Submit your license application through nipr.com. Have your completion certificate ready.
Complete Background Check / Fingerprinting
Complete any required background check steps per current MN DOC requirements at mn.gov/commerce.
Schedule and Pass the Pearson VUE Exam
Schedule your exam through Pearson VUE. The exam fee is $63. A score of 70% is required to pass.
Receive Your License and Get Appointed
Once your application is approved and background check clears, your license is issued. Get appointed by a carrier to legally sell.
Minnesota Insurance License Requirements
Eligibility
- Must be at least 18 years old
- Valid Social Security number required
- No college degree required
- Background check required
Pre-Licensing
- 20 hours per line from DOC-approved provider
- Pass provider's certification exam
- Certificate required before scheduling PSI exam
Exam (Pearson VUE)
- Pearson VUE — pearsonvue.com/mn/insurance
- 70% passing score required
- $63 exam fee per attempt
Continuing Education
- 24 CE hours per 2-year renewal cycle
- 3 hours of ethics required
- Renew via NIPR or Sircon
Minnesota Insurance License FAQ
Does Minnesota require pre-licensing education for insurance agents?
Yes. Minnesota requires 20 hours of pre-licensing education per line of authority from a Minnesota DOC-approved provider. You must complete the course and receive a certificate of completion before sitting for the Pearson VUE state exam.
How much does it cost to get a Minnesota insurance license?
Total costs range from approximately $250–$480: pre-licensing course ($100–$300), Pearson VUE exam fee ($63 per exam), and NIPR application fee (~$60 for L&H). Fingerprinting may also be required.
What exam does Minnesota use for insurance licensing?
Minnesota uses Pearson VUE. Schedule online at pearsonvue.com/mn/insurance or by phone. The exam fee is $63 per attempt and a passing score of 70% is required.
How long does it take to get a Minnesota insurance license?
Most candidates complete the process in 4–6 weeks: 2–3 weeks for the 20-hour course, a few days to schedule and pass the exam, and 1–2 weeks for application processing.
Is fingerprinting required for a Minnesota insurance license?
Minnesota may require a background check as part of the licensing process. Check the current MN DOC requirements at mn.gov/commerce. If required, electronic fingerprinting is typically arranged through a DOC-approved vendor.
What is the passing score for the Minnesota insurance exam?
A score of 70% is required to pass all Minnesota insurance licensing exams administered by Pearson VUE. Results are available immediately after the exam.
How much do insurance agents make in Minnesota?
Minnesota insurance agents earn an average of $65,000–$85,000 per year. Entry-level captive agents may start at $35,000–$50,000, while experienced independent agents in Minneapolis-St. Paul regularly earn $90,000–$140,000+.
What lines of authority can I get in Minnesota?
Minnesota offers Life, Accident & Health, Property, Casualty, and Personal Lines licenses. Many agents pursue both Life & Health and Property & Casualty to maximize their earning potential.
How do I renew my Minnesota insurance license?
Minnesota insurance licenses renew on a 2-year cycle. You must complete 24 CE hours per renewal period, including 3 hours of ethics. Renew through NIPR or Sircon.
Does Minnesota offer insurance license reciprocity?
Yes. Minnesota participates in NAIC reciprocity. Producers holding an active resident license in their home state can apply for a MN non-resident license via NIPR without retaking the state exam in most cases.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.