How to Get a Mississippi Adjuster License

Author: Ethan Peyton

To get your Mississippi Adjuster license, you’ll need to follow a few steps. These steps include taking a Mississippi adjuster course, passing the state adjuster exam, filing your application, and paying licensing fees.

We’ve put together this step-by-step guide to ensure your licensing journey is as simple and inexpensive as possible. This guide also covers adjuster requirements and prerequisites along with steps to take after getting your license. 

Be sure to bookmark this page so you can reference the steps as you need them.

Quick Tip

We recommend AdjusterPro adjuster courses to prepare for your exam. Mississippi courses start at $199.

Mississippi Adjuster License Requirements

Before you begin the steps to getting your Mississippi adjuster license there’s a few requirements you’ll need to ensure you qualify.

  • You must be 18 years of age or older
  • You must be a resident of Mississippi (non-residents will need to apply for a different license)

Along with these requirements, you’ll also need to choose which lines of insurance you’d like to work within.

  • Property and Casualty With Workers’ Compensation Adjuster 
  • Workers’ Compensation Adjuster (WC)

Most folks choose the license that offers them the most selection of insurance claims – generally referred to as an “all-lines” license. This gives you the most flexibility and looks best on an application for work.

Mississippi Adjuster License Course

Before you apply for the license or take the exam, you’ll need to take a Mississippi Adjuster License course.

This course will do a few things:

  1. Fill your required pre-license education hours
  2. Prepare you to pass the exam

Some courses offer not only test prep and pre-license credits, but instruction on the day-to-day operations and duties of an adjuster. If you don’t have any experience handling claims, it would be wise to consider these higher-level courses.


We recommend AdjusterPro as our adjuster course of choice. Courses start at $199.

How to Get a Mississippi Adjuster License

To get a Mississippi Adjuster license, you’ll complete your adjuster course, pass the exam, and file your application and fees.

A common question we receive is: How much is the Mississippi adjuster license? Prices will vary depending on the type of license, but the most common license will cost as little as $360. 

Another common question is: How long does it take to get the Mississippi adjuster license? If you take the proper time to study and pass the exam on your first attempt, the process should take around 3-4 weeks.

Step 1: Mississippi Adjuster License Course

The Mississippi Insurance Department (MID) requires adjuster applicants to complete 20 pre-license education credit hours before applying or sitting for the exam.

To complete these hours, you’ll need to take an adjuster license course through an approved provider.

As mentioned above, we recommend AdjusterPro’s courses.

The prices of these courses range depending on the provider and level of coursework, but generally start around $199.

Once you complete the course, the provider will give you a Certificate of Completion. Keep this document as you will need it in order to register for the exam in the next step.

Step 2: Mississippi Adjuster Exam

Once you’ve completed your adjuster pre-license education course, the next step is to pass the Mississippi Adjuster Exam.

To register to take the exam, use the Mississippi Pearson VUE website. Be sure to have your Certificate of Completion when registering.

The price for each attempt of the exam is $52

The Mississippi Adjuster Exam passing score is 70%.

Depending on the type of license you’re working toward, the number of questions and time allotted for the exam differ. See the table below for details.

Adjuster License TypeCostQuestionsTime AllottedExam Outline
Property and Casualty (P&C) with Workers’ Compensation Adjuster$52602 hoursExam Outline
Workers’ Compensation Adjuster$52602 hoursExam Outline

Is the Mississippi Adjuster Exam Hard?

A common question we receive is: Is the adjuster exam hard?

Difficulty is a subjective matter, but we answer this question with: Yes. The exam is intentionally tough.

Don’t let this discourage you. Keep in mind that most folks who take this exam haven’t taken any formal tests since high school or college. The state intentionally makes these tests difficult in the hopes of protecting the average citizen from working with adjusters who don’t understand the laws and guidelines surrounding insurance.

The key to passing the exam is to take your exam-prep course seriously and allow yourself time for in-depth study. 

Check out our Adjuster Exam Study Guide for tips and strategies to pass your exam on the first attempt.

Step 3: Mississippi Adjuster Application – MID

Once you’ve passed your exam, the next step is to apply for your license.

The fee to submit an application is $100. 

The state of Mississippi recommends applicants apply for your license online using either the NIPR or Sircon website.

However, you can also submit a Mississippi Independent Adjuster License Application by mail along with a check for a $100 Privilege Tax payable to the Mississippi Insurance Department to the following address: 

Mississippi Insurance Department
Post Office Box 79
Jackson, Mississippi 39205

Checking Your Application Status

If everything goes smoothly, you’ll receive a message from the licensing department within a week or so containing your license number and any other pertinent information. You can check the status of your license online on either NIPR or Sircon, depending on where you submitted your application. 

You can also conduct a license search on the Mississippi Insurance Department website

Congratulations! You are now a licensed insurance adjuster in Mississippi!

After Getting Your License

Now that you’re licensed, you can get to work! Most folks take one of two paths at this point. They choose to become an independent adjuster or a staff adjuster.

The main difference is that staff adjusters are employed by one firm, usually an insurance company, whereas independent adjusters operate as contractors, normally being “rostered” to multiple Independent Adjusting (IA) firms.

If you’re interested in becoming a staff adjuster, check out the current job openings on StateRequirement Jobs

If the independent adjuster role is more alluring (we think it is), check out AdjusterPro’s IA Directory

Adjuster Certifications

To be considered a great candidate for IA firms or insurance companies, you’ll need to prove that you know how to actually work an insurance claim. Certifications show that you know your stuff and will give you a strong advantage over other candidates. 

While there are several adjuster certifications available, focus on Xactimate and Insurance Company certs first.

Xactimate Certifications

Xactimate is the industry standard software used by adjusters and insurance companies. There are three levels of certification offered by Xactimate

You should strongly consider levels one and two now, and look into level three after you’ve spent some time in the field.

Insurance Company Adjuster Certifications

Large insurance companies like State Farm, Allstate, Liberty Mutual, and others require that adjusters (staff or independent) get their specific certifications. 

To get these certs, you’ll need to be on the roster of an IA firm that works with that company. They offer courses to their adjusters throughout the year. Staff adjusters that work for the insurance company will be provided training and certification through their employer.

It’s widely accepted that State Farm’s adjuster certification is the most valuable insurance company cert. They are the largest insurer in the US, and therefore have more claims than other insurers.

Out-of-State and Reciprocal Licensing

Most claims, especially catastrophe (CAT) claims come from weather events. And since you can’t control the weather, you should get licenses in states outside your home state. These are called Non-Resident Adjuster Licenses.

IA firms are much more likely to both roster you and select you for work if you are licensed in states where they operate. If you’re already on a roster or two, talk with your contact there to see if they recommend a state to get licensed in.

The best states to start with are generally those that neighbor your home state. For Mississippi, this includes:

  • Louisiana
  • Arkansas
  • Tennessee (no license required)
  • Alabama

All these states (except Tennessee) offer what’s called reciprocation with Mississippi. This means that you don’t need to take a pre-licensing course or pass an exam in order to get their license. All you need to do is apply, pay the fee, and you’ll be licensed quickly.

License Renewal and Continuing Education

The Mississippi Adjuster License expires every two years. To keep your license active, you will have to pay a $100 renewal fee and complete continuing education (CE) coursework. 

The amount of continuing education hours required is dependent on the length of time you have had your insurance adjuster license:

  • Complete 12 hours of continuing education (CE) coursework if you have had your license for 18 months or less 
  • Complete 24 hours of continuing education (CE) coursework if you have had your license for 19 to 24 months 

Any additional non-resident licenses you hold will also expire. Most state licenses expire every two years and require a renewal fee. Note that unless the state specifically requires it, you will not be required to take CE courses for each state – just your home state.

Find detailed instructions on our Mississippi Adjuster License Renewal guide.

References and Links

Mississippi Insurance Department

PO Box 79
Jackson, Mississippi 39205