How do I choose a property and casualty insurance pre-licensing course?

Start with your state's rules, since prelicensing hours range from zero (for example, Texas) up to 200 (Florida's general lines course), and course approval is state-specific and non-transferable. Choose a course from your state's approved-education list, and confirm the delivery format fits any classroom requirement; Illinois, for instance, requires 7.5 of its 20 hours per line in a classroom or webinar setting. Match the course to the line of authority you are pursuing, and use the exam administrator's content outline to check that its topics align with the exam.

In Alabama, you no longer choose one: since January 1, 2024, the state does not require, regulate, or approve prelicensing education courses, and only the licensing exam is required. Any prep course you take is optional and there is no state-approved list to pick from. The exam administrator, the University of Alabama, sells printed producer study guidebooks for $85 with 7 business days delivery. The combined Property & Casualty exam has 150 questions over 3 hours, and 105 correct answers pass.

Alaska has no prelicensing education requirement for a property and casualty producer license, so a course is optional exam preparation rather than a state mandate. Choose material that follows the current Alaska exam content outlines, which pair a general insurance portion with an Alaska law portion. Pearson VUE sells online practice tests for property and casualty for $19.95, and the state's candidate handbook lists study materials without endorsing any particular provider.

Arizona requires no pre-licensing education for a property and casualty license, so any course is optional exam preparation rather than a state mandate. The Department of Insurance does not evaluate or endorse any course, so compare options on format and how well they cover the published exam content outline. The Property and Casualty exam (Series 13-34) costs $59 and requires a 70% score.

When comparing property and casualty pre-licensing courses, first confirm the provider and instructors are approved by the state, since Arkansas pre-approves instructors who have at least 3 years of insurance experience in each part taught. Arkansas requires 20 hours of prelicensing education for the Property line and 20 hours for the Casualty line, delivered in a classroom or online with tracked study time. Your certificate of completion is valid for 2 years and must be presented at the exam, or you cannot sit for it.

As of January 1, 2026, the only required prelicensing course is the 12-hour course on ethics and the California Insurance Code, including 1 hour on insurance fraud, and you take it once even if you apply for several license types. Choose a provider from the state's approved-education list. Non-classroom courses must include student-identity safeguards, attendance monitoring, and time recording. The certificate of completion is valid for three years.

Colorado requires 50 hours of pre-licensing education for a Property and Casualty license, so start by confirming any course you consider covers the required content: 3 hours of ethics, 3 hours of general Colorado insurance laws and regulations, and 4 hours on laws specific to your line of business. The provider must appear on the state's approved-education list, and you must provide the school code when you reserve your Pearson VUE exam. Completion certificates are valid for one year, so time your coursework near your exam date.

Pick a course from Connecticut's approved pre-licensing education list, which Pearson VUE publishes with the state's approved providers. Property and Casualty each require 20 hours as single lines, while the combined Property & Casualty line requires 40 hours. Courses may be classroom, self-study, or online, so choose the format that fits your schedule. If you hold the AAI, ARM, CIC, or CPCU designation, you can skip pre-licensing with a current waiver letter dated within 90 days.

Delaware does not require prelicensing education, so any property and casualty course you take is exam preparation. Choose a course built around the Pearson VUE Delaware content outlines, effective January 15, 2025, which pair a general-knowledge portion with a Delaware-specific portion covering state statutes and ethics. Property and casualty are separate exams, and scheduling both on the same day costs one $90 examination fee.

DC does not require a pre-licensing course for a property and casualty license, so any course you take is optional preparation for the exam. Study options include a prep course provider, self-study, classroom, or internet study. To choose a course, compare its content against the Pearson VUE property and casualty content outlines, which list the exact topics and question counts the exam covers, and pick the format that fits your schedule.

Start with the Florida Department of Financial Services' approved prelicensing education list, searchable in its Education Database. For the 2-20 general lines license, the course must be a 200-hour property and casualty program completed within four years of your application date. Confirm the provider reports your completion to the department, since proof must reach the Bureau before your license issues.

Georgia requires a 16-hour Property and Casualty prelicensing course made up of 8 hours of Property and 8 hours of Casualty, so confirm any course you consider covers both components. Georgia accepts both classroom and online delivery, so pick the format that fits your schedule. Course completions upload electronically from the education provider to the licensing system, and the course is valid for one year, so enroll close to your target exam date.

Idaho does not require a pre-licensing course for property and casualty, so any course you choose is optional preparation. The state publishes free exam content outlines for the Property and Casualty lines on its testing page. What the state requires is passing both exams, at $65 each, plus fingerprinting and an $80 application.

Start with the state's approved-education list, searchable through the State Based Systems (SBS) website at statebasedsystems.com. Illinois requires 20 hours of pre-licensing education per line of authority, 7.5 of them in a classroom or webinar, and property and casualty count as two separate lines.

Indiana requires 40 hours of approved pre-licensing education for the Property & Casualty line. The Indiana Department of Insurance (IDOI) publishes an approved-education list, and state-approved self-study courses may be used to fulfill the classroom requirement. IDOI also publishes approved providers' pass ratios, which you can review before choosing a course.

Iowa's licensing steps, as listed in the Pearson VUE candidate handbook, are the exam reservation, the exam, and the license application; no course appears among them. Neither the Iowa Insurance Division nor Pearson VUE endorses or provides any particular study materials, so any prep course is optional. You may sit directly for the Property (12-IA-03) and Casualty (12-IA-04) exams, each 2 hours and $44, and the official content outlines list every tested topic.

Kansas does not require pre-licensing education for any line of authority, so you can sit for the Property and Casualty exam without taking a course at all. Study materials are optional, and neither the Kansas Department of Insurance nor Pearson VUE endorses any particular school or study product. Pearson VUE, the state's exam vendor, sells official online practice tests for $19.95, and the combined Property and Casualty exam costs $64.

Choose a course approved by the Kentucky commissioner, because proof of completion (Form CPL-01 or electronic reporting) must be on file before you can schedule the exam. The combined property and casualty track requires 40 hours of study, or 20 hours per single line, and course completion is valid for one year, so enroll close to your application date. Classroom, self-study, and online formats are all accepted.

You do not need one. Louisiana requires no prelicensing education for the Property and Casualty exam, so any prep course is optional and the state sets no required hours. To prepare, PSI, the state's exam vendor, publishes content outlines showing what the Series 106 exam covers. The exam has 150 questions, a 70% passing score, and 160 minutes.

Match any course to the line you plan to test for. Maine requires a certificate showing at least 16 credit hours of prelicensing education for each line of authority you request, completed within the two years before the exam, or a certificate showing 6 months of relevant full-time experience as an insurer or producer employee. Compare course content against the Pearson VUE content outline for your exam, which lists the general and Maine-specific topics tested.

Maryland does not require a prelicensing course for property and casualty producer applicants. Since October 1, 2024, the state has repealed its prelicensing education and experience requirements, and the Maryland Insurance Administration no longer publishes a list of approved courses or providers. To prepare, use Prometric's free exam content outline for the Property and Casualty Producer Combo exam, which has 120 scored questions plus 10 unscored and a 2.5-hour time limit; you may buy study materials from any prep provider, but no course is mandatory.

Massachusetts requires no prelicensing education, so choosing a course is optional. Because the Property and Casualty lines require two separate exams, each with 50 general knowledge and 30 Massachusetts law questions, pick material that tracks the Pearson VUE content outlines effective July 22, 2026. Make sure the course covers Massachusetts-specific law, since it makes up 30 of the 80 scored questions on each exam.

Start with the state's approved-education list: Michigan requires pre-licensing coursework from a DIFS-approved provider. Property and Casualty requires 40 hours (20 hours for a single line), taken as a classroom course or self-study. Confirm the provider reports completions electronically, because your course completion and exam score are matched in the state database.

Pick a course from the Department of Commerce's approved-education list, viewable through Sircon; only pre-approved providers count toward the required 20 hours of education per line of authority. The course may be classroom, verifiable self-study, or a combination, and it must not be sponsored by an insurance company or its producers. Your provider must electronically certify your completion, and you must present a paper completion certificate at the test center.

Choose from the state's approved-education list, searchable at sircon.com/mississippi; the Mississippi Insurance Department requires providers to submit completions through Sircon. Property and Casualty prelicensing is 20 hours per line, deliverable by classroom or self-study. Every prelicensing course ends with a course exam, and the provider enters your completion into the department's system within 5 business days of receiving the affidavit.

Missouri requires no pre-licensing course for property and casualty producers, so any course you take is optional exam prep. Free official materials come from the exam vendor: Pearson VUE publishes content outlines (effective February 1, 2026) that split each exam into a general knowledge section and a Missouri-specific section, and it sells an online practice test for $19.95. A course that tracks the current outlines for both sections matches what the exam tests.

Montana requires no prelicensing course for a property and casualty license, so any course you take is optional exam preparation. The State Auditor's Office publishes no study materials, and neither it nor Pearson VUE endorses any manual or course. Prep course prices vary by provider, and Pearson VUE sells online practice tests for Property and Casualty at $19.95.

Nebraska requires no pre-licensing education, so a course is optional, and the Department of Insurance does not review, approve, or recommend any provider. The department publishes Exam Outlines for each line of authority showing the percentage of questions per topic, which lets you match a course's content to the actual exam. PSI, the state's exam vendor, also offers practice exams for property/casualty and life/health.

Nevada requires no prelicensing education for producer applicants, so a course is optional exam preparation rather than a state mandate. When comparing courses, check that the material matches the current Pearson VUE content outlines for the exams you plan to take. The Property/Casualty combo exam, for example, has 100 general questions plus 41 Nevada-specific questions.

New Hampshire does not require a prelicensing course for property and casualty licensing, so a course is an optional study aid rather than a requirement. The New Hampshire Insurance Department does not evaluate or recommend study-material providers and publishes no official study manual; candidates may prepare with materials of their own choosing. Taking a course does not guarantee passing the Property and Casualty exam (series 12-64, $72).

New Jersey requires 20 hours of prelicensing education per line, and Property and Casualty are separate lines, so you need 40 hours to earn both. Choose a course from the state's approved-education list; self-study and interactive online formats are both permitted, and course prices vary by provider. Every approved course must cover New Jersey regulation content, and the Property course must include flood insurance and the National Flood Insurance Program.

Start with the Department's approved-education list: New York requires the prelicensing course to be approved by the Department of Financial Services, and approved providers and courses can be searched on the DFS portal. For property and casualty the course must total at least 90 hours of instruction. Keep your School Certificate after finishing; it does not expire and must be submitted with your license application.

Since October 1, 2025, North Carolina does not require prelicensing education, so a Property or Casualty course is a voluntary study aid. The Department of Insurance publishes a list of approved prelicensing providers, including classroom and correspondence/internet options, on its website. Any provider on that approved list satisfies the state's voluntary prelicensing standard.

North Dakota does not require prelicensing courses, so there is no state-approved course list to compare. The state insurance department does not regulate prelicensing providers or verify study hours, which means you can use any study program or prepare entirely by self-study. What matters is passing the exam, which requires a 70% score.

Choose a course from a provider on the Ohio Department of Insurance's approved list, since Ohio requires 20 hours of pre-licensing education for each line of authority, taken separately for Property and for Casualty. Classroom, distance learning, and self-study formats are all acceptable. Your course completion certificate is valid for 180 calendar days, and you must pass the corresponding exam within that period.

Oklahoma does not require or regulate pre-licensing education, and the Oklahoma Insurance Department will not recommend a provider, so there is no state-approved course list to compare. The licensing exams draw on the Kaplan study manuals the department sells, at $35 for a print copy, $20 for a PDF, or $30 for an eBook. You can also prepare on your own with the content outline in the PSI Candidate Information Bulletin.

Oregon requires 20 hours of prelicensing education for the property line and 20 hours for the casualty line, covering basic insurance principles, producer duties, and Oregon insurance law. You can verify approved courses and providers through the State Based Systems (SBS) Look Up for Oregon, and you should not choose a course listed with an unregistered provider. Course prices vary by school, and you must hold a valid Certificate of Completion from the school before scheduling the exam.

Pennsylvania does not require a pre-licensing course for the property and casualty license, so choosing one is optional. Effective April 29, 2025, Act 142 of 2024 removed the pre-licensing education requirement, and candidates go straight to the PSI Property and Casualty exam (16-06), which requires a 70% score to pass. If you choose a course anyway, pick one aligned with the PSI content outline; PSI publishes outlines for exams effective March 1, 2026.

Rhode Island requires no prelicensing education hours for a property and casualty producer license, so no course is mandatory before testing. You must pass the Property Producer and Casualty Producer exams administered by Pearson VUE, and first-time property and casualty candidates must register for both. Each exam costs $80, and back-to-back exam sessions in one day are buy-one-get-one-free.

South Carolina does not require a prelicensing course for the property and casualty exam, so your choice is about preparation, not compliance. Pearson VUE publishes free content outlines showing exactly what the combined Property, Casualty, Surety and Marine exam covers, and offers online practice tests for $19.95. Prep courses come in classroom, live-online, self-study, and online formats.

South Dakota requires no pre-licensing education, and the Division of Insurance does not endorse any study material, so you can choose any course that fits how you learn. The Division's exam page publishes testing outlines for each line of authority, which show what the licensing exam covers and let you compare course content.

Tennessee requires 20 hours of pre-licensing education for each line of authority you want, taken through a provider the Commissioner of Commerce and Insurance approves. Before enrolling, confirm the provider appears on the state's approved-education list, which is searchable through State Based Systems. Course costs vary by provider, so compare formats and pricing once you have confirmed approval.

Texas does not require prelicensing education for property and casualty agents, so a prep course is optional and you can choose based on format and price, which vary by provider. If you want a course to waive the adjuster exam instead, it must be a Texas Department of Insurance-approved adjusting course completed within 12 months of applying. For continuing education, only TDI-certified courses from registered providers count toward your hours.

Utah has no pre-licensing course requirement for the Property and Casualty exam, so a course is optional. The Utah Insurance Department does not review or approve study materials, though it publishes a list of vendors. Prometric offers free practice exams for the Property and Casualty producer exams, and commercial study courses vary in cost by provider.

Vermont requires no pre-licensing course for a Property and Casualty producer license; the state has no pre-licensing education provision, so a course is optional exam preparation. The actual requirement is passing the Prometric Series 14-31 exam, which has 150 scored questions and a 2.5-hour time limit. The application then carries $60 in state fees.

Virginia does not require prelicensing education for a property and casualty license, so any course you take serves only as exam preparation. Choose a course built around the Prometric Series 11-03 outline: the exam has 135 scored questions plus 10 unscored pretest questions in a 2.5-hour sitting, covering homeowners, auto, commercial, and workers compensation topics. Only the Title license requires a state-approved course (16 hours).

Washington stopped requiring pre-licensing education on July 23, 2023, so no course is needed to sit for the property and casualty exam. If you still want exam prep, the state regulator publishes a list of approved education providers, and the PSI candidate bulletin contains the exam content outlines you can use to check that a course covers the tested material. The combined property and casualty exam costs $55 and requires a 70% score to pass.

Start with the state's approved-education list, searchable through Sircon, because only approved courses count toward the requirement. West Virginia requires 20 hours of education per line of authority, and Property and Casualty are separate lines, so a combined license means completing both lines' requirements. Courses may be taken in a classroom, by self-study, or online, and the final exam must be proctored by a disinterested third party.

Choose a provider from Wisconsin's approved-education list. The course must supply 20 hours for each line: 8 hours of principles of insurance, general Wisconsin insurance law, and ethics, plus 12 hours of line-specific policies, terms, concepts, and law. Confirm the format works for your schedule (synchronous or asynchronous), and note that your completion certificate is valid for one year and must be brought to the exam testing center.

Wyoming requires no prelicensing education hours for a property and casualty license, so a course is optional preparation rather than a requirement. The Wyoming Department of Insurance publishes a list of providers known to have study materials but does not endorse any of them. When you apply, request all the lines of authority you intend to hold on the original application to avoid amendment fees.