Insurance Agent (Insurance Producer) License in Michigan
Quick Answer
To become an insurance agent in Michigan, you must complete pre-licensing education, pass the state exam, and pay approximately $200 in total fees — one of the lowest costs nationally with just a $10 application fee. Michigan's unique no-fault auto insurance system creates distinct opportunities in the auto insurance market.
- Education Required
- 40 hours
- Exam
- Michigan Insurance Producer Exam (Prometric)
- Total Cost
- $200 (est.)
- Timeline
- 4-8 weeks
- Background Check
- Required
- Renewal
- Every 1 year
Requirements
Insurance Agent (Insurance Producer) license in Michigan
Estimated Costs Est.
- Application Fee
- $10
- Exam Fee
- $55
- Renewal Fee
- $10
- Total Estimated Cost
- $200
Cost Breakdown
Estimated costs for getting your Insurance Agent (Insurance Producer) license in Michigan. Values marked "Est." are extracted from official descriptions.
Enter the cost of your pre-licensing education program
Fees marked "Est." are extracted from official descriptions and may not reflect current pricing. Verify with the Michigan licensing board.
Insurance Agent (Insurance Producer) Salary in Michigan
Entry Level
$36,510
Median
$58,910
Experienced
$125,780
Source: Bureau of Labor Statistics. Salary data is for informational purposes only.
How to Get Licensed
Step-by-step roadmap to becoming a licensed Insurance Agent (Insurance Producer) in Michigan.
- 1
Complete Education Requirements
Specific course required
- 2
Submit Background Check
Felony convictions prohibited
- 3
Pass the Required Exam
State exam required — Michigan Insurance Producer Exam (Prometric)
- 4
Submit Your Application
File your application with the licensing agency. Application fee: ~$10.
- 5
Receive Your License
Processing typically takes 4-8 weeks.
Insurance Agent (Insurance Producer) Licensing in Michigan: What to Know
Michigan licenses insurance professionals as Insurance Producers through the Michigan Department of Insurance and Financial Services (DIFS). Michigan is notable for having one of the lowest application fees in the nation at approximately $10. Michigan's insurance market is unique due to its no-fault auto insurance system, which historically resulted in some of the highest auto insurance premiums in the country until reforms passed in 2019. Detroit's auto insurance rates have been a persistent public policy issue. Michigan requires pre-licensing education of approximately 40 hours per major line of authority, with courses approved by DIFS. The state's economy, centered on the automotive industry, manufacturing, agriculture, and tourism, creates demand across multiple insurance lines. Michigan requires criminal background checks. The state has an annual license renewal cycle, which is shorter than most states. Continuing education is 24 hours biennially, including 3 hours of ethics. Michigan participates in NIPR for non-resident licensing. Grand Rapids, Detroit, and Lansing are the primary insurance market centers.
Frequently Asked Questions
- How much does a Insurance Agent (Insurance Producer) license cost in Michigan?
- The estimated total cost is $200, including application fees, exam fees ($55), and education costs.
- How long does it take to get a Insurance Agent (Insurance Producer) license in Michigan?
- The process typically takes 4-8 weeks, depending on education completion and exam scheduling.
- What exam do I need for a Insurance Agent (Insurance Producer) license in Michigan?
- You need to pass the Michigan Insurance Producer Exam (Prometric). State exam required
Considering another state?
Compare Insurance Agent (Insurance Producer) requirements across states.
View all states →Data from CareerOneStop (DOLETA/DEED). Last updated: February 14, 2026.