- MI-PC is the Michigan Property and Casualty Producer/Solicitor exam (PSI Series 16-81), regulated by DIFS.
- The exam costs $41, has 150 scored questions plus up to 10 unscored items, in a 2 hour 30 minute window.
- Passing requires 74%, or 111 correct scored answers, out of 150.
- Property and Casualty Insurance Basics is the largest domain at 20% of the exam.
What Is MI-PC, Exactly?
MI-PC stands for the Michigan Property and Casualty Insurance Producer Exam, officially cataloged by testing vendor PSI as Series 16-81, Property and Casualty Producer/Solicitor. It is the state licensing exam that anyone who wants to sell, solicit, or negotiate property and casualty insurance in Michigan must pass before the Department of Insurance and Financial Services (DIFS) will issue an active producer license.
Unlike a voluntary professional designation, MI-PC is a regulatory gatekeeper. You don't earn it for a resume line - you pass it because Michigan law requires it before you can legally write homeowners, auto, commercial, or workers' compensation policies for clients. If you're still mapping out what the acronym covers before you commit to a study plan, our companion piece on MI-PC Meaning breaks down the terminology in more depth, and What Does MI-PC Stand For? covers the naming convention PSI and DIFS use across Michigan's insurance license exams.
Who Administers the MI-PC Exam
Two organizations control the MI-PC process. The Michigan Department of Insurance and Financial Services (DIFS) sets the licensing rules, education requirements, and content outline. PSI is the third-party testing company that actually builds, schedules, and delivers the exam under the internal code Series 16-81.
Historically, some Michigan insurance exams could be taken with remote proctoring from home. That option ended in June 2025, so today candidates sit for MI-PC exclusively at a physical PSI test center. This matters for scheduling: you'll need to plan travel time to an approved site and bring the required identification, rather than assuming a webcam setup will work. Our MI-PC Exam Dates 2026 guide walks through how to find open testing windows and book a seat at a center near you.
Exam Format, Fees, and Time Limit
The MI-PC exam has a fixed, predictable structure - there's no adaptive scoring or surprise question counts. Here's exactly what you're walking into:
| Exam Detail | Specification |
|---|---|
| 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 of 150 correct) |
| Delivery method | PSI test center only (remote option ended June 2025) |
Notice that the unscored questions are mixed in without being labeled - you won't know which of the 150-160 total items count toward your score. That's normal PSI test design and shouldn't change your approach: answer every question as if it's scored, manage your 2.5-hour clock deliberately, and don't waste time trying to guess which items are experimental.
Key Takeaway
Budget roughly one minute per question across the full session so you have buffer time to review flagged items before the 2 hour 30 minute limit expires.
For a full breakdown of what that $41 fee does and doesn't include - plus prelicensing course costs - see MI-PC Certification Cost 2026: Complete Pricing Breakdown.
The 10 MI-PC Exam Domains
MI-PC content is organized into ten domains, each weighted differently on the exam. Understanding these weights is the single most important step in building an efficient study plan, because it tells you exactly where your study hours produce the most return.
Domain 3: Property and Casualty Insurance Basics (20%)
This is the largest domain by a wide margin and covers foundational P&C concepts that show up again inside almost every other domain.
- Insurable interest, indemnity, and subrogation principles
- Policy structure: declarations, insuring agreements, conditions, exclusions
- Underwriting basics and risk classification
Domain 5: Homeowners Policy (15%) & Domain 6: Automobile Insurance (15%)
Together these two domains account for nearly a third of the exam and reflect the coverages most Michigan producers sell day-to-day.
- HO policy forms, coverage parts, and endorsements
- Michigan-specific auto insurance rules and required coverages
- Liability limits, exclusions, and claims scenarios
Domain 7: Commercial Package Policy (CPP) (12%) & Domain 8: Businessowners Policy (6%)
Commercial lines make up a meaningful chunk of the exam even though many candidates focus their initial study on personal lines.
- CPP structure and how monoline coverages combine
- BOP eligibility and what it bundles versus a standalone CPP
The remaining domains round out the outline: Insurance Regulation (10%) covers DIFS rules and producer conduct, General Insurance Concepts (10.5%) covers contract law and risk management theory, Dwelling Policy (2.5%) is a small but testable niche, Workers' Compensation Insurance (5%) covers Michigan employer obligations, and Other Coverages and Options (4%) catches endorsements and specialty add-ons that don't fit elsewhere.
For a deeper walkthrough of every domain with sample question styles, read MI-PC Exam Domains 2026: Complete Guide to All 10 Content Areas. If you want a condensed reference to keep open during final review, the MI-PC Cheat Sheet 2026 distills the highest-yield facts from each domain onto one page.
Prelicensing Education and Licensing Path
Before you can even schedule MI-PC, Michigan generally requires resident applicants to complete 40 hours of approved prelicensing education. Once you finish that coursework, you receive a completion certificate - and that certificate is only valid for 12 months. If your exam date slips past that window, you may need to retake the prelicensing course before DIFS will let you sit for the exam again.
The exact eligibility conditions, background requirements, and paperwork sequence are covered in full at MI-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. If you're unclear on how the exam, the license, and the underlying credential relate to one another, MI-PC Certification explains how passing Series 16-81 fits into the broader Michigan licensing process.
Passing Standard and Pass Rate Data
DIFS sets the bar at 74%, or 111 correct scored answers out of 150. That's a fixed cut score - there's no curve, no percentile ranking against other test-takers, and no rounding in your favor. Every scored question is worth the same amount, so there's no advantage to skipping harder domains hoping easier ones will compensate.
DIFS reported a 45.46% first-time pass rate and a 34.31% overall pass rate for Series 16-81 in 2025. Those numbers indicate that fewer than half of first-time candidates pass on their initial attempt, which is a strong argument for treating your first sitting as the one attempt you actually prepare for, rather than a "diagnostic" run.
Key Takeaway
With less than half of first-time candidates passing, front-loading study time on the 20%-weighted Property and Casualty Insurance Basics domain and the two 15%-weighted policy domains gives you the best odds on exam day.
For a full statistical breakdown, including how the first-time and overall figures diverge, see MI-PC Pass Rate 2026: What the Data Shows. If you want to understand why the exam trips up so many candidates in the first place, How Hard Is the MI-PC Exam? Complete Difficulty Guide 2026 unpacks the difficulty factors domain by domain, and MI-PC Passing Score 2026: Exactly What You Need to Pass details exactly how the 111-question threshold is calculated.
Who Needs to Pass MI-PC
MI-PC is required for anyone seeking to work as a property and casualty producer or solicitor in Michigan. In practice, that includes candidates joining independent agencies, captive carrier teams, and brokerages that sell homeowners, dwelling, auto, commercial package, businessowners, and workers' compensation coverage. Because the license is state-issued through DIFS, employers across Michigan's insurance industry treat the passed exam as a non-negotiable prerequisite for hiring or activating a producer role.
If you're weighing whether this career path is worth the licensing effort, or evaluating job openings that list MI-PC as a requirement, MI-PC Jobs outlines the kinds of roles that hinge on this license, and Is the MI-PC Certification Worth It? Complete ROI Analysis 2026 examines the tradeoffs of pursuing it. For earnings context tied to producer roles that require this license, MI-PC Salary Guide 2026: Complete Earnings Analysis is a useful companion read.
How to Approach Preparation
Because MI-PC's content outline is published with exact domain weights, the most efficient study plan mirrors those percentages rather than treating every domain equally. Spend proportionally more time on Property and Casualty Insurance Basics, Homeowners, and Automobile Insurance - together these three domains represent half the exam - before moving to smaller domains like Dwelling Policy or Workers' Compensation.
Foundation Domains
- Property and Casualty Insurance Basics (20%)
- General Insurance Concepts (10.5%)
- Insurance Regulation (10%)
High-Weight Policy Domains
- Homeowners Policy (15%)
- Automobile Insurance (15%)
- Dwelling Policy (2.5%)
Commercial and Specialty Lines
- Commercial Package Policy (12%)
- Businessowners Policy (6%)
- Workers' Compensation Insurance (5%)
- Other Coverages and Options (4%)
Once you've cycled through all ten domains once, spend the remaining time on timed practice sessions that simulate the real 2 hour 30 minute, 150-question format. Reviewing missed questions by domain - rather than just noting a raw score - tells you exactly where to circle back before test day. A full walkthrough of this domain-weighted approach, including how to build flashcards and practice sets around the outline above, is available in the MI-PC Study Guide 2026: How to Pass on Your First Attempt. You can also run realistic timed sets on the practice test platform to get comfortable with the pacing before you ever step into a PSI test center.
Frequently Asked Questions
MI-PC refers to the Michigan Property and Casualty Insurance Producer Exam, run by PSI as Series 16-81 on behalf of the Michigan Department of Insurance and Financial Services (DIFS).
There are 150 scored questions, plus PSI may include 1 to 10 additional unscored experimental questions. You have 2 hours 30 minutes to complete the exam.
You need 74%, which equals 111 correct answers out of the 150 scored questions. Unscored experimental questions don't count toward this total.
No. Remote proctoring for Michigan insurance exams ended in June 2025, so MI-PC must now be taken in person at a PSI test center.
Start with Property and Casualty Insurance Basics, since it's the largest domain at 20% of the exam and underpins concepts used throughout the other nine domains.