Part of the expanding PassProfessor catalog: 9,708 questions, written to PSI’s current Minnesota content outline and independently audited. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Minnesota licenses property and casualty producers through one combined exam — the Property & Casualty Producer examination, given by PSI Services LLC for the Minnesota Department of Commerce: 130 scored questions in 3 hours, and 70% correct to pass. PassProfessor’s Minnesota program will give you 9,708 original practice questions built on PSI’s published Minnesota content outline — including 2,214 questions on Minnesota law alone — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full Minnesota program will be $29 when enrollment opens.
What’s included
A Minnesota bank, not a national bank with a Minnesota chapter. Thirty of the 130 scored questions on the real exam — 23% of your score — come from PSI’s Minnesota Specific outline: the powers of the Commissioner of Commerce, Minnesota licensing and trade-practice rules, the Minnesota Insurance Guaranty Association, the Minnesota Standard Fire Policy, the FAIR Plan, and the Minnesota No-Fault Automobile Insurance Act. Our Minnesota bank holds 9,708 questions, and 2,214 of them test Minnesota law specifically. That is the section national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 9,708 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — 50 property general-knowledge questions, 50 casualty general-knowledge questions, and 30 Minnesota Specific questions in the same proportions PSI uses, with the general sections weighted the way the official outline weights them (the two Types of Policies sections carry the most). Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single outline section — Minnesota rules common to all lines, homeowners and dwelling forms, casualty policy provisions, no-fault auto — or sit the full 130-question simulation against the 3-hour clock. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped. Minnesota is one of 50 state programs in the PassProfessor insurance library — 478,523 original questions program-wide — each built the same way: on that state’s own published outline.
Built for Minnesota’s two-step gate. Minnesota candidates face a sequence most states do not impose in this order: an approved education course first, with a paper certificate that admits you to the exam, and only then the PSI sitting itself. Those are two different tests of two different things. The course teaches the material and certifies your hours; the licensing exam measures, in 145 questions over 3 hours, whether you can apply that material under time pressure, in PSI’s wording, across an outline the course was not built to rehearse you against. This program is designed for the second step and is honest about the first: it does not replace your 40 hours, it does not issue a certificate, and it does not pretend the course’s own end-of-course quiz is a simulation of the real exam. What it does is take the knowledge the course gave you and train it into exam performance — section by section, at the real weights, with an explanation attached to every miss and every lucky guess — so that the certificate in your hand and the score on your screen say the same thing about you.
The real exam at a glance
Current as of October 2026, per the PSI Minnesota Candidate Information Bulletin (copyright 2026, 10/28/2026) and the Minnesota Department of Commerce. Full detail — eligibility, pre-licensing education, registration, fingerprints, retakes, test day — is in our Minnesota insurance exam guide.
| Minnesota Property & Casualty Producer examination | |
|---|---|
| Administered by | PSI Services LLC, for the Minnesota Department of Commerce |
| Questions you will see | 145 |
| Scored questions | 130 (100 general knowledge + 30 Minnesota Specific) |
| Unscored pretest/experimental questions mixed in | 15 (you cannot tell which they are) |
| Time limit | 3 hours (180 minutes) |
| Passing standard | 70% correct |
| Exam fee | $45, paid to PSI when you schedule |
| License application fee | $50 per line of authority — property and casualty are separate lines — paid to the State of Minnesota through Sircon after you pass (separate from the exam fee), plus a technology surcharge |
- Minnesota requires pre-licensing education for this license — and this program is not it. Before you may sit the exam, you must complete 20 hours of approved pre-licensing education per line of authority — 40 hours for property and casualty together — under Minn. Stat. § 60K.36, subd. 4, and bring the paper course completion certificate(s) with you on exam day. PassProfessor is exam preparation only and provides no education credit; you still need your hours from a Commerce-approved provider. PSI is explicit about the stakes: if you test before completing the education requirement, your results are invalid even if you pass.
- Plan your fingerprinting for exam day. Every producer applicant must submit fingerprints for a state and national criminal-history check. PSI strongly recommends electronic fingerprinting at a Minnesota PSI site on the day of your examination; the bulletin lists that fee as $66.75, paid at the test site.
- The exam is offered at PSI test centers in Minnesota — including Blaine, Brainerd, Duluth, Eagan, Mankato, Rochester, St. Paul, Willmar, and Woodbury — and by remote online proctoring. The two formats are not interchangeable in feel: remote examinations allow no breaks and no scratch paper, and you must start within 15 minutes of your booked time or forfeit your fee, so choose the format you can actually perform in, not just the one that is closest.
- There is no published Minnesota pass rate to hide behind. Neither PSI’s Minnesota bulletin nor the Department of Commerce publishes a pass rate for this exam, so this page quotes none. What the published outline does tell you is where the questions live — and 23% of them live in Minnesota law that a national bank cannot rehearse you for.
- You apply for the license after passing, electronically through Sircon, and Minnesota gives you 36 months from passing to get that completed application in.
How the practice maps to the real exam
Every question in the Minnesota bank is tagged to a section of PSI’s published Minnesota content outline — the same outline the real exam is built from. Counts below are the bank itself, counted question by question. One honesty note on the Minnesota Specific rows: PSI publishes scored totals for the three Minnesota sections (20 / 5 / 5) but does not publish a scored count for each individual Minnesota topic inside them, so the table groups our Minnesota-law questions by those three published sections rather than inventing per-topic exam weights.
| Official outline section (scored questions on the real exam) | Practice questions |
|---|---|
| General knowledge — Property (50) | |
| I. Types of Policies (22) | 1,649 |
| II. Insurance Terms and Related Concepts (15) | 1,125 |
| III. Policy Provisions and Contract Law (13) | 974 |
| General knowledge — Casualty (50) | |
| I. Types of Policies, Bonds, and Related Terms (23) | 1,724 |
| II. Insurance Terms and Related Concepts (15) | 1,124 |
| III. Policy Provisions (12) | 898 |
| Minnesota Specific (30) | |
| Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance (20) | 1,218 |
| Minnesota Laws, Rules, and Regulations Pertinent to Property Insurance Only (5) | 521 |
| Minnesota Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (5) | 475 |
| Total (130 scored) | 9,708 |
Inside the Minnesota-law rows, the deepest single topics are Powers and Duties of the Commissioner (487 questions), Licensing and Appointments (263), Trade Practices (219), the Guaranty Association (153), the Minnesota Standard Fire Policy (147), Workers’ Compensation (130), the FAIR Plan (127), the Definition of Adjusters (112), Minnesota homeowners rules (107), and the Minnesota No-Fault Automobile Insurance Act (97) — with further drills on Minnesota definitions, automobile insurance, renewal/nonrenewal/cancellation, the Minnesota Automobile Insurance Plan, binders, surcharge disclosure, auto stacking, and comparative negligence.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Minnesota questions across all three parts of the outline, with full explanations — enough to see how the program teaches and where you stand.
- Finish your required pre-licensing hours first, then use this alongside them. Your 40 approved hours teach the material and unlock the exam room; this program turns that material into exam-day performance. Do not schedule the PSI exam until your course completion certificate is in hand — you must present the paper copy to test.
- Drill the Minnesota-law sections early. They are 30 of 130 scored questions and the most concrete material on the exam — deadlines, dollar figures, day counts, named Minnesota institutions. Most candidates leave them for last; the score report is where that shows.
- Drill by outline section. Work your weakest general-knowledge sections (the two Types of Policies sections together carry 45 of the 100 general questions) until the misses stop repeating.
- Sit full generated exams against the clock. 130 scored questions in 3 hours, with 15 pretest items mixed in, is a pacing exercise as much as a knowledge test. Practice the pace, not just the material.
- Book the real exam through PSI when your practice scores sit comfortably above 70% on full simulations — then get fingerprinted, ideally at the test site on exam day, and apply through Sircon within 36 months of passing.
Pricing
$29 — the full Minnesota program, when enrollment opens. All 9,708 questions, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349. In Minnesota you will need one of those approved courses anyway for your 40 required hours — this program is the practice layer on top of it, priced below every comparable practice product, and it does the one job a course does not: it rehearses you, section by section, against the actual PSI outline.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Minnesota property and casualty exam?
You will see 145 questions in 3 hours. Of those, 130 are scored — 100 on general insurance knowledge (50 property, 50 casualty) and 30 on Minnesota law — and 15 are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Minnesota P&C exam?
70% correct. PSI states the standard directly in its Minnesota bulletin: you need 70% correct to pass. Your score is displayed on screen when you finish, and a score report is emailed to you; if you do not pass, that report includes diagnostic information showing your strengths and weaknesses by examination type.
Does Minnesota require pre-licensing education?
Yes. Minnesota requires 20 hours of approved pre-licensing education per line of authority before the exam — 40 hours for property and casualty together — under Minn. Stat. § 60K.36, subd. 4. You must bring the paper course completion certificate(s) to the test center (or present them to the remote proctor); electronic copies are not accepted, and testing before you complete the requirement invalidates your results even if you pass. Limited exemptions exist — for example, a two-year Minnesota vocational-school degree in insurance, a four-year business degree with an insurance emphasis, or, for property/casualty applicants, the AAI, ARM, CIC, or CPCU designation.
How much does it cost to get a Minnesota P&C license?
The exam fee is $45, paid to PSI when you schedule. Electronic fingerprinting at a PSI Minnesota site on exam day is listed in PSI’s bulletin at $66.75, paid at the test site. After you pass, the license application is $50 per line of authority — property and casualty are separate lines — paid through Sircon, plus a technology surcharge. Your approved pre-licensing course carries its own tuition, set by the provider. This program is $29.
Who administers the Minnesota insurance exam?
PSI Services LLC administers the exam for the Minnesota Department of Commerce. You schedule at PSI’s Minnesota insurance portal (test-takers.psiexams.com/mnins) or by calling (866) 395-1006, and you can test at a PSI test center or by remote online proctoring.
What do I do after I pass?
Apply for the license electronically through Sircon (www.sircon.com/minnesota). Minnesota requires a completed application within 36 months after you pass. Your fingerprints must also be on file — the background-check consent you sign expires one year after signing, so if more than a year passes between fingerprinting and applying, you will be fingerprinted again. A license lets you hold the authority; an appointment by an insurance company, filed electronically by the company, is what lets you transact that company’s business.
What happens if I fail?
You schedule again and test again. PSI will not let you book a new appointment on the same day you tested — results have to process first — but its bulletin gives the example of a candidate who tests unsuccessfully on a Wednesday calling Thursday and retesting as soon as Friday, space permitting. The $45 exam fee applies to each attempt, and your emailed score report’s diagnostics show where the attempt was lost, which is exactly what your practice data here is organized to rebuild.
How long is my passing score good for?
Thirty-six months. Minnesota’s rule, as PSI states it, is that a producer candidate must have submitted a completed license application within 36 months after passing the examination.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to PSI’s published Minnesota content outline and Minnesota insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
No — and in Minnesota that distinction matters. This program is exam preparation only; it provides no education credit in any state and does not satisfy any part of Minnesota’s 20-hours-per-line requirement. You still need your approved pre-licensing course, and its completion certificate, before PSI will let your exam result count. What this program does is prepare you for the exam itself.
Why does the Minnesota-law part get its own drills?
Because it is 30 of the 130 scored questions — nearly a quarter of the exam — and it is the part national study materials cover thinnest. Minnesota tests its own institutions and its own statutes: the FAIR Plan, the Guaranty Association, the Standard Fire Policy, the No-Fault Act, the Automobile Insurance Plan. Our bank holds 2,214 Minnesota-law questions so that section can be drilled on its own until it is the easiest part of your exam.
When can I enroll in the Minnesota program?
The question bank is complete, and enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Minnesota Department of Commerce, PSI Services LLC, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.