Insurance License Hub

The Minnesota Personal Lines license

Personal Lines

Sells the household half of property and casualty in Minnesota.

Course

20 hrs

The shortest single course route.

Ways in

7

2 of them skip the state exam.

Exam

Varies

Priced per paper. The prices are below.

A producer paper is $45. An adjuster paper is $25.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. They are listed in full because the course is only the first of them.

  1. Route 1 Take the 20-hour course

    State exam required

    • 20 hours of pre-licensing education for the Personal Lines line, approved by the Department

    The statute rather than a rule sets what is in the twenty hours: an introduction to insurance covering every major line, then the line applied for. Minn. Stat. 60K.36, subd. 4 adds the part that decides who may teach it. The course must not be sponsored by, offered by or affiliated with an insurance company or its producers, which no other state here says, and only a bona fide professional association of producers not acting for an insurer is carved out of that. It may be classroom, verifiable self-study or a mix of the two, and the organization that ran it has to send a certification of compliance in with the license application.

    Read at revisor.mn.gov on 2026-08-16

  2. Route 2 Have held this line in Minnesota before

    State exam required

    • A Minnesota license for the Personal Lines line, held at any time in the past

    Minn. Stat. 60K.36, subd. 4: "If the applicant has been previously licensed for the particular line of insurance in the state of Minnesota, the requirement of a program of studies or a study course must be waived."Must, not may, and the statute puts no clock on it at all, which is unusual: Connecticut gives one year for the same idea and its public adjuster two. It waives the course and not the examination, which subdivision 1 requires of every resident applicant unless subdivision 2 or section 60K.40 exempts them, and neither reaches this.

    Read at revisor.mn.gov on 2026-08-16

  3. Route 3 Hold a two-year Minnesota vocational school degree in insurance

    State exam required

    • A degree in insurance

    Minn. Stat. 60K.36, subd. 4a(2). The prelicensing program does not apply, and the examination still does.

    Read at revisor.mn.gov on 2026-08-16

  4. Route 4 Hold a four-year college degree in business with an insurance emphasis

    State exam required

    • A degree in business, insurance

    Minn. Stat. 60K.36, subd. 4a(3). The prelicensing program does not apply, and the examination still does.

    Read at revisor.mn.gov on 2026-08-16

  5. Route 5 Hold one of the 4 designations the statute names for this line

    State exam required

    • AAI Accredited Advisor in Insurance, from the Insurance Institute of America

    • or

      ARM Associate in Risk Management, from the Insurance Institute of America

    • or

      CIC Certified Insurance Counselor, from The National Alliance for Insurance Education and Research

    • or

      CPCU Chartered Property and Casualty Underwriter, from the Insurance Institute of America

    Minn. Stat. 60K.36, subd. 4a(6) lists these and no others for this line. The exemption is from the prelicensing program and not from the examination. The three lists are word for word the ones Wisconsin puts in s. Ins 26.04(2), including the same Registered Employee Benefits Counselor rather than Consultant, so a producer moving between the two states meets the same test twice.

    Read at revisor.mn.gov on 2026-08-16

  6. Route 6 Hold this line in another state now, or have held it in the last 90 days

    Exempt from the state exam

    • 90 days of the cancellation of another state's license for the Personal Lines line, or hold it there now, with that state certifying good standing at cancellation or the NAIC Producer Database showing it

    Minn. Stat. 60K.40, subd. 1 asks neither prelicensing education nor an examination. It has two limbs and the first is the wider one: the applicant is either currently licensed in the other state, in which case no clock runs at all, or applies within ninety days of that license being cancelled. Connecticut's equivalent carries only the ninety-day limb.

    Read at revisor.mn.gov on 2026-08-16

  7. Route 7 Move to Minnesota holding this line in your old home state

    Exempt from the state exam

    • 90 days of establishing legal residence in Minnesota, having held the Personal Lines line as a licensed producer in the previous state

    Minn. Stat. 60K.40, subd. 2. Neither prelicensing education nor an examination for a line already held, and the ninety days run from establishing residence.

    Read at revisor.mn.gov on 2026-08-16

Courses

This is the part you buy. 3 of the 4 products sold for this license satisfy the requirement above, and the rest are practice material. Each seller opens to what it holds and what each package costs.

  • A.D. Banker & Company

    Meets the requirement: take the 20-hour course.

    $169.95 to $296.85

    See 3 options ▾

    Listed as "A D BANKER CO LLC" holding course 1013769, "PRE-LICENSE INSURANCE - PERSONAL LINES + BASICS", filed under General - Distance Learning. Minnesota's categories are deliveries, so the line is in the course name and nowhere else

    • MN Personal Lines, SILVER

      Online Course read 2026-08-22

      $169.95

    • MN Personal Lines, GOLD

      Online Course · Flash Cards read 2026-08-22

      $196.90

    • MN Personal Lines, PLATINUM

      Online Course · Flash Cards · Web Class Subscription read 2026-08-22

      $296.85

    Go to A.D. Banker & Company

  • WebCE

    Meets the requirement: take the 20-hour course.

    $109.95 to $159.95

    See 2 options ▾

    Listed as "WEBCE INC" holding course 1037354, "PRE-LICENSE PERSONAL LINES + BASICS", filed under General - Distance Learning. Minnesota's categories are deliveries, so the line is in the course name and nowhere else

    • MN Personal Lines Exam Prep Complete Package

      $109.95

    • MN Personal Lines Exam Prep Plus Complete Package

      $159.95

    Go to WebCE

  • XCEL Solutions

    Meets the requirement: take the 20-hour course.

    $199.00 to $299.00

    See 2 options ▾

    Listed as "XCEL SOLUTIONS LLC" holding course 1038839, "PRE-LICENSE INSURANCE PERSONAL LINES + BASICS 20 HRS", filed under General - Distance Learning. Minnesota's categories are deliveries, so the line is in the course name and nowhere else

    • Minnesota Personal Lines Pre-licensing

      $199.00

    • Minnesota Personal Lines Pre-licensing Premier

      $299.00

    Go to XCEL Solutions

  • Kaplan Financial Education

    Searched the Minnesota Department of Commerce's approved list and this course is not among the ones it has approved, so it cannot satisfy the course requirement.

    Not confirmed

    See 1 option ▾

    • Career Launcher Package (MN - Personal Lines)

      Price not confirmed

    Go to Kaplan Financial Education