How to Get an Insurance Agent License in Mississippi
Last updated: March 1, 2026
Quick Facts
Education
20 hrs
Total Cost
$400
Governing Body
Mississippi Insurance Department (MID)
Mississippi is one of the most affordable markets in the US with opportunities for new agents, making it an excellent place to start a career as a insurance agent. Licensing in Mississippi is overseen by the Mississippi Insurance Department (MID). The process requires 20 hours of pre-license education and costs between $250 and $550 in total. You'll need to pass the Mississippi Insurance Producer Exam (administered by PSI) with a score of at least 70% on each section.
Mississippi requires just 20 hours of pre-license education — one of the lowest requirements in the nation. This is close to the national average of 22 hours. The total cost is relatively affordable at $250 to $550, including education, application, and exam fees. Most aspiring insurance agents complete the entire process in 4-8 weeks, depending on how quickly they move through the coursework and exam preparation.
MississippiInsurance Agent License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 20 hours |
| Degree Required | No |
| Exam Required | Yes — Mississippi Insurance Producer Exam |
| Passing Score | 70% on each section |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $50 |
| Exam Fee | $42 |
| Governing Body | Mississippi Insurance Department (MID) |
| License Reciprocity | Full |
Reciprocity:Mississippi participates in NIPR reciprocity for non-resident producers.
Steps to Get Your Insurance Agent License in Mississippi
- 1
Complete 20 Hours of Pre-License Education
20 hours of pre-license education per line of authority Most providers offer online self-study options.
Time: 2-4 weeks Cost: $275 - 2
Pass the Mississippi Insurance Producer Exam
Schedule and pass the insurance licensing exam administered by PSI. You must score at least 70% on each section to pass.
Time: 1-2 weeks to schedule and take Cost: $42 - 3
Submit Your License Application
Apply through the Mississippi Insurance Department (MID) or via NIPR (National Insurance Producer Registry). You'll need to pass a background check and pay the application fee of $50.
Time: 1-4 weeks for processing Cost: $50 - 4
Get Appointed by an Insurance Carrier
To sell insurance, you must be appointed by at least one insurance carrier. Research captive and independent agent opportunities in Mississippi.
Time: 1-2 weeks - 5
Start Selling Insurance
Once licensed and appointed, you can legally sell insurance in Mississippi. Consider joining professional associations for networking and continuing education opportunities.
Time: Immediate once appointed
Recommended Courses
Kaplan
Pre-license education and exam prep across real estate, insurance, financial services, and more.
Trusted name in professional education
View Kaplan Courses →Key Things to Know
- Education requirement: 20 hours of pre-license education per line of authority. Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The Mississippi Insurance Producer Exam is administered by PSI. You'll need to score at least 70% on each section to pass. Study materials and practice exams are available from most education providers.
- Already licensed in another state? Mississippi participates in NIPR reciprocity for non-resident producers.
- Background check required: Mississippi requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Mississippi accepts online applications, which can speed up processing time.
- Ongoing requirements: Once licensed, you'll need 24 hours of continuing education every 2 years. 24 hours of continuing education every 2 years including 3 hours of ethics.
How Mississippi Compares
Mississippi requires 20 hours of pre-license education for insurance agents. This is close to the national average of 22 hours. The average total cost in Mississippi is around $400, compared to the national average of $408.
How Much Does a Insurance Agent License Cost in Mississippi?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $50 |
| Exam Fee | $42 |
| Total Estimated Cost | $250 - $550 |
License Renewal
- Renewal Period: Every 2 years
- Continuing Education:24 hours
- CE Details:24 hours of continuing education every 2 years including 3 hours of ethics
- Renewal Fee: $50
Tips for Success
- Choose your education provider carefully: Compare prices, format (online vs. in-person), and reviews. Some providers offer exam prep materials bundled with the course, which can save you money. Check the Mississippi Insurance Department (MID) website for a list of approved providers.
- Don't rush the exam: With only 20 hours required, you can complete the education portion quickly — some providers offer accelerated programs that finish in 2-3 weeks. Use practice exams to identify weak areas before scheduling your test date.
- Choose your lines of authority wisely: Most states let you specialize in Property & Casualty, Life & Health, or both. Starting with one line keeps costs lower and lets you focus your study time.
- Line up carrier appointments early: You'll need to be appointed by at least one insurance carrier to sell policies. Research captive vs. independent agent models — independent agents can offer more products but need more appointments.
- Budget approximately $550 for your Mississippi license: This includes $50 in application fees, $42 for the exam, and education costs. Once licensed, plan for $50 in renewal fees every 2 years.
Frequently Asked Questions
How long does it take to get a insurance agent license in Mississippi?
Most people complete the process in 2-4 weeks total. The pre-license education (20 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a insurance agent license in Mississippi?
The total cost ranges from $250 to $550, including pre-license education, the application fee ($50), and the exam fee ($42).
Can I get a Mississippi insurance agent license with a criminal record?
The Mississippi Insurance Department (MID) evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Mississippi Insurance Department (MID) for guidance before applying.
Do I need a college degree to become a insurance agent in Mississippi?
No. Mississippi does not require a college degree. You only need to complete the 20 hours of approved pre-license courses.
Can I take the pre-license courses online in Mississippi?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Mississippi Insurance Department (MID) website for a list of approved providers.
Sources
Professional Associations & Resources
Connect with these national organizations for career resources, networking, and continuing education.
Insurance Agent in Other States
From Our Blog
10 Easiest Professional Licenses to Get in 2026
The 10 easiest professional licenses to earn in 2026, ranked by education hours and total cost. Find quick-start careers with minimal barriers.
Best ROI Professional Licenses: Low Cost, High Salary
The best return-on-investment professional licenses ranked by salary-to-cost ratio. Find licenses that cost little but pay big.
Cheapest States for Professional Licensing (2026)
Which states have the lowest professional licensing costs? We ranked all 50 states by average licensing cost across 49 professions.