Free Michigan P&C Exam Prep
Michigan Property & Casualty Insurance
Pass your Michigan P&C exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.
Quick Facts
Michigan Property & Casualty Insurance License: Complete Roadmap
Follow this path to maximize your chances of passing on the first try
Michigan 40-Hour Pre-License Course
Complete the required 40-hour DIFS-approved course (20 hours Property + 20 hours Casualty) before registering for the exam.
National P&C Fundamentals
Master foundational P&C insurance concepts: property insurance basics, casualty insurance principles, policy structures, and general concepts.
Michigan P&C RegulationsYou are here
Study Michigan-specific laws including DIFS regulations, reformed no-fault PIP (2019), auto insurance requirements (50/100/10), and workers' compensation.
Michigan Property Insurance
Learn MBPIA (Michigan Basic Property Insurance Association), homeowners policies, and Michigan-specific property regulations.
Can You Take the Michigan P&C Exam?
Check if you meet the basic eligibility requirements
- •Course completion certificates valid for 12 months
- •Property exam requires 75% to pass (highest in US)
- •Casualty exam requires 74% to pass
- •2025 UPDATE: Remote state exams no longer offered effective 6/10/2025
- •Application valid for 6 months from submission to NIPR
- •Processing takes up to 14 business days
Michigan P&C Quick Facts
Time to Get Licensed
3-5 weeks
From start to license in hand
Retake Policy
24-hour wait between attempts; no limit on retakes; certificate valid 12 months
Temporary License
180-day temporary license available via NIPR
Total Cost Breakdown
Exam Exemptions
Holders of these professional designations may be exempt from all or part of the exam:
Chartered Property Casualty Underwriter - may qualify for pre-license waiver
Certified Insurance Counselor - may qualify for pre-license waiver
Free Michigan P&C Prep That Actually Works
The official pass rate is ~60-65% (varies - higher passing score requirement). Our students do better.
500+ Practice Questions
More free questions than most paid courses
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Content reflects latest exam changes
$0 Forever
No credit card, no trial, no upsells
What You'll Study
5 chapters covering everything you need to pass
Introduction: Michigan Property & Casualty Insurance Exam Overview
1 sections
Chapter 1: Michigan P&C Insurance Regulation & Licensing
3 sections
Chapter 2: Michigan Property Insurance Laws
3 sections
Chapter 3: Michigan Casualty Insurance Laws
3 sections
Chapter 4: Michigan P&C Insurance Ethics & Prohibited Practices
3 sections
Michigan P&C-Specific Topics Covered
10 free AI interactions per day
Michigan P&C Exam Details
Michigan Property & Casualty Insurance
Administered by Michigan Department of Insurance and Financial Services (DIFS)
Exam Content Breakdown
Based on the official Michigan Department of Insurance and Financial Services (DIFS) content outline
DIFS structure, 40-hour pre-license, licensing requirements
MBPIA, homeowners, cancellation rules
Reformed no-fault PIP 2019, 50/100/10, workers compensation
Claims handling, MPCIGA guaranty, unfair practices, producer conduct
What's Included
5 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the Michigan P&C?
After passing the Michigan P&C, you can pursue these career paths
Michigan P&C Exam FAQ
Official Michigan Department of Insurance and Financial Services (DIFS) Resources
Verify information with these official sources
More Free Resources
Ready to Start Your Free Michigan P&C Prep?
Join thousands of candidates who passed their exams using our free study materials.