---
title: "How to Get an Insurance License in Michigan (MI): 2026 Requirements, Cost & CE"
description: "Complete Michigan insurance license guide — cost ($10), pre-licensing, exam, 24 hours/2 years CE, 2 years (birth date) renewal, top carriers, and market opportunities for MI agents."
url: https://unlockedcrm.ai/blog/insurance-licensing-requirements-michigan
canonical: https://unlockedcrm.ai/blog/insurance-licensing-requirements-michigan
category: "licensing"
published: 2026-03-10
updated: 2026-07-07
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# How to Get an Insurance License in Michigan (MI): 2026 Requirements, Cost & CE

## TL;DR

Michigan insurance licensing costs $10 with 24 hours/2 years CE requirements and a 2 years (birth date) renewal cycle. The state has 85,000+ agents, median income of $59,200. Auto insurance reforms creating massive re-shopping wave — agents capturing switchers

<p class="text-lg mb-6">Everything you need to get and keep an insurance license in Michigan (MI) — cost, exam, CE requirements, top-selling products, top carriers, and where the money is in the Michigan market in 2026.</p>


<div data-ai-block="definitive-answer">
<h2>The Short Answer</h2>
<p>Michigan insurance licensing costs <strong>$10</strong>, requires <strong>24 hours/2 years</strong> of continuing education, and renews on a <strong>2 years (birth date)</strong> cycle. The state has <strong>85,000+</strong> licensed agents serving a population of <strong>10.0M</strong>. Median agent income: <strong>$59,200/year</strong>.</p>
</div>

<h2>Michigan Insurance License Requirements</h2>
<table>
<thead><tr><th>Requirement</th><th>Details</th></tr></thead>
<tbody>
<tr><td>License Fee</td><td>$10</td></tr>
<tr><td>CE Requirements</td><td>24 hours/2 years</td></tr>
<tr><td>Renewal Cycle</td><td>2 years (birth date)</td></tr>
<tr><td>Licensed Agents</td><td>85,000+</td></tr>
<tr><td>Regulatory Body</td><td>Michigan Department of Insurance and Financial Services</td></tr>
</tbody>
</table>

<h2>How to Get Licensed in Michigan</h2>
<ol>
<li><strong>Complete pre-licensing education</strong> — State-approved courses for your desired lines (Life, Health, P&C)</li>
<li><strong>Pass the state licensing exam</strong> — Prometric or PSI testing centers</li>
<li><strong>Submit your application</strong> — Through the Michigan Department of Insurance and Financial Services</li>
<li><strong>Pay the licensing fee</strong> — $10</li>
<li><strong>Get appointed with carriers</strong> — Apply for carrier appointments to start selling</li>
<li><strong>Complete background check</strong> — Fingerprinting may be required</li>
</ol>

<h2>Best-Selling Insurance Products in Michigan</h2>
<ul>
<li>Auto</li>
<li>Homeowners</li>
<li>Life</li>
<li>Commercial</li>
</ul>
<p>Auto insurance reforms creating massive re-shopping wave — agents capturing switchers</p>

<h2>Top Insurance Carriers in Michigan</h2>
<ul>
<li>Auto-Owners Insurance</li>
<li>State Farm</li>
<li>Progressive</li>
</ul>

<h2>Michigan Market Opportunity</h2>
<p><strong>Population:</strong> 10.0M<br/>
<strong>Licensed Agents:</strong> 85,000+<br/>
<strong>Median Agent Income:</strong> $59,200</p>
<p>No-fault auto insurance with recent reforms. Previously the most expensive auto market</p>

<h2>Michigan Insurance Agent Income</h2>
<p>The median insurance agent in Michigan earns <strong>$59,200/year</strong>. Top producers specializing in auto and homeowners earn significantly more. See <a href="/blog/insurance-agent-salary-by-state-2026">Insurance Agent Salary by State</a> for the full comparison.</p>

<p>Automate your Michigan license renewal tracking with <a href="/licensing">License Auto-Sync</a> — never miss a CE deadline or renewal date across any state.</p>

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## Related

- https://unlockedcrm.ai/blog/insurance-agent-salary-by-state-2026
- https://unlockedcrm.ai/blog/insurance-agent-licensing-state-by-state
- https://unlockedcrm.ai/blog/how-to-start-independent-insurance-agency-2026

---

Source: [How to Get an Insurance License in Michigan (MI): 2026 Requirements, Cost & CE](https://unlockedcrm.ai/blog/insurance-licensing-requirements-michigan) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/insurance-licensing-requirements-michigan.