- MI-PC (Series 16-81) has 150 scored questions plus up to 10 unscored ones, in 2 hours 30 minutes.
- You need 74% correct, or 111 of 150 scored questions, to pass.
- Property and Casualty Insurance Basics is the single largest domain at 20% of the exam.
- The exam fee is $41, and testing is only available at PSI test centers - remote proctoring ended June 2025.
Exam Snapshot: The Numbers You Must Know
Before you build a study plan, memorize the mechanics of the exam itself. The Michigan Property & Casualty Insurance Producer Exam is regulated by the Michigan Department of Insurance and Financial Services (DIFS) and administered by PSI under the official title Property and Casualty Producer/Solicitor, exam code Series 16-81. These aren't trivia - they show up in candidate confusion around registration, and getting them wrong can cost you a testing appointment.
| Detail | Fact |
|---|---|
| Regulator | Michigan DIFS |
| Exam administrator | PSI |
| Exam code / title | Series 16-81, Property and Casualty Producer/Solicitor |
| Exam fee | $41 |
| Scored questions | 150 |
| Unscored (experimental) questions | 1 to 10, added by PSI |
| Time limit | 2 hours 30 minutes |
| Passing standard | 74% (111 correct scored answers) |
| Prelicensing education (resident) | 40 hours, certificate valid 12 months |
| Testing delivery | PSI test centers only (remote proctoring ended June 2025) |
For a deeper, narrative walkthrough of how these pieces fit together, see the MI-PC Study Guide 2026: How to Pass on Your First Attempt. If you just want the official eligibility checklist, the MI-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify page walks through prelicensing hours and paperwork in detail.
Domain Breakdown: All 10 Content Areas
The MI-PC exam is built from 10 weighted content domains. Weight percentages tell you roughly how many of the 150 scored questions come from each area - treat them as your study budget, not a strict quota.
Domain 3: Property and Casualty Insurance Basics (20%)
This is the largest domain on the exam and covers foundational P&C terminology, contract structure, and policy provisions shared across product lines.
- Insurable interest, indemnity, and subrogation concepts
- Policy structure: declarations, conditions, exclusions, endorsements
Domain 5: Homeowners Policy (15%) and Domain 6: Automobile Insurance (15%)
These two domains are tied for the second-largest share of the exam, together representing nearly a third of your scored questions.
- Homeowners policy forms, coverage parts, and endorsements
- Michigan auto insurance requirements and no-fault concepts
Domain 7: Commercial Package Policy (CPP) (12%)
Commercial coverage combines property and liability concepts under one packaged contract, and it carries substantial weight on the exam.
- Building and personal property coverage forms
- Commercial general liability structure
The remaining domains - Insurance Regulation (10%), General Insurance Concepts (10.5%), Businessowners Policy (6%), Workers' Compensation Insurance (5%), Other Coverages and Options (4%), and Dwelling Policy (2.5%) - round out the blueprint. Dwelling Policy is the smallest domain, so don't let it consume study time you need for Property and Casualty Insurance Basics or the two 15% domains. A full domain-by-domain treatment, including subtopics under each, is available in the MI-PC Exam Domains 2026: Complete Guide to All 10 Content Areas guide.
Question Format and Timing
The Series 16-81 exam presents 150 scored multiple-choice questions. PSI may also mix in up to 10 additional unscored, experimental items used to evaluate future exam content - you won't be told which questions are experimental, so answer every question as if it counts. In total, you have 2 hours 30 minutes to complete the exam, which averages out to roughly one minute per question if you include the unscored items.
Because you can't identify unscored questions, pacing strategy should assume all 150-160 questions matter. Skipping ahead, flagging uncertain answers, and returning at the end is generally more efficient than getting stuck on a single tricky item. For guidance on how question difficulty typically feels in practice, review How Hard Is the MI-PC Exam? Complete Difficulty Guide 2026.
Passing Score Math
The passing standard is 74%, which translates to 111 correct answers out of the 150 scored questions. This is the single number to keep in your head throughout your prep: not "get most of it right," but a specific, fixed threshold.
Key Takeaway
You can miss up to 39 scored questions and still pass. That margin matters most in low-weight domains like Dwelling Policy (2.5%) or Other Coverages and Options (4%), where a few missed questions won't sink your score - but missing questions across the 20% and 15% domains will.
For the full arithmetic behind this threshold, including how DIFS applies it across question banks, see MI-PC Passing Score 2026: Exactly What You Need to Pass. If you want to understand how the passing standard interacts with actual outcomes, the MI-PC Pass Rate 2026: What the Data Shows article covers DIFS-reported pass rate data for Series 16-81.
Registration, Fee, and Prelicensing Rules
The exam fee is $41 per attempt. Before you're eligible to sit for it, resident applicants generally must complete 40 hours of DIFS-approved prelicensing education. Once you finish that coursework, your completion certificate is valid for 12 months - plan your exam date within that window, or you may need to retake the education requirement.
- Prelicensing hours: 40 hours for resident applicants
- Certificate validity: 12 months from completion
- Exam fee: $41 per attempt, paid to PSI
A complete cost breakdown - education provider fees, exam fee, and any state licensing charges - is covered in the MI-PC Certification Cost 2026: Complete Pricing Breakdown article.
Test-Day Logistics
All Michigan insurance exams, including the MI-PC exam, are delivered at PSI test centers. Remote/online proctoring was discontinued in June 2025, so plan for an in-person appointment rather than a home setup. Arrive with acceptable identification, expect standard test-center security procedures, and confirm your appointment window well in advance - scheduling availability can tighten around popular dates. Details on booking windows and deadlines are outlined in MI-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Who Hires MI-PC Producers
Passing the Series 16-81 exam and obtaining your license opens the door to producer roles at independent agencies, captive insurance agencies, and carriers writing homeowners, auto, commercial package, and businessowners policies in Michigan. Because the exam blueprint covers both personal lines (homeowners, auto, dwelling) and commercial lines (CPP, BOP, workers' compensation), a licensed producer is qualified to sell across a broad range of P&C products rather than a single niche.
If you're weighing whether the licensing effort translates into career opportunity, the Is the MI-PC Certification Worth It? Complete ROI Analysis 2026 article and the MI-PC Salary Guide 2026: Complete Earnings Analysis both dig into that question in more depth.
Final Review Week, Domain by Domain
In the final stretch before your test date, structure your review sessions around domain weight rather than personal comfort. Spend the most time where the most points live, and use short, focused review blocks rather than marathon sessions.
Property and Casualty Insurance Basics (20%)
- Drill contract terminology and policy structure until recall is automatic
- Rework practice questions on indemnity, insurable interest, and subrogation
Homeowners and Automobile (15% each)
- Compare homeowners forms side by side
- Review Michigan-specific auto insurance provisions
Commercial Package Policy and Businessowners (12% + 6%)
- Map CPP coverage parts against BOP eligibility rules
- Note where commercial liability terms overlap with homeowners liability
Regulation, General Concepts, and small domains
- Review Insurance Regulation and General Insurance Concepts together, since they're closely related
- Do a light pass on Workers' Compensation, Dwelling Policy, and Other Coverages and Options
Full-length simulation
- Take a timed, 150-question practice run to rehearse the 2 hour 30 minute pace
- Review missed items by domain, not just individually
Running full-length timed simulations on the practice test platform before test day is the closest you can get to the real PSI testing experience without actually sitting in the center.
Frequently Asked Questions
There are 150 scored questions, plus PSI may add 1 to 10 unscored experimental questions that don't count toward your result. You won't know which questions are unscored, so answer all of them carefully.
You need 74% correct, which equals 111 correct answers out of the 150 scored questions.
Property and Casualty Insurance Basics carries the highest weight at 20%, followed by Homeowners Policy and Automobile Insurance at 15% each. Prioritize these three before moving to smaller domains like Dwelling Policy at 2.5%.
No. Remote proctoring for Michigan insurance exams ended in June 2025. All candidates must now test in person at a PSI test center.
Resident applicants generally must complete 40 hours of approved prelicensing education, and the resulting completion certificate is valid for 12 months, so schedule your exam within that window.