How do I prepare for the property and casualty insurance license exam?

Plan on roughly 40 hours of study, and build it around your state's exam content outline, which shows how many questions each section carries. Focus on the heavily weighted sections and your state's insurance laws, since state-specific rules account for a large share of the questions. Take practice tests under timed conditions, including at least one full simulated exam, and use the diagnostic report after any failed attempt to target weak areas.

Alabama has not required a prelicensing course since January 1, 2024, so preparation is up to you. The combined Property and Casualty exam has 150 multiple-choice questions, allows 3 hours, and requires 105 correct answers to pass. The University of Alabama, the state's exam administrator, sells a printed producer study guidebook for $85, and private exam-prep courses are also available. Register at least 7 days before your test date.

Alaska does not require prelicensing coursework, so preparation centers on the exam content outline Pearson VUE publishes (effective March 3, 2025). The Property and Casualty exams each have a general portion of 50 scored questions plus an Alaska-specific portion covering state law. Pearson VUE also sells online practice tests for property and casualty at $19.95 each.

Arizona requires no pre-licensing education, so exam preparation is up to you. Start with the PSI Arizona candidate information bulletin, which explains the exam process and points to the content outlines for each line of authority. Study insurance fundamentals and Arizona insurance law over a period of weeks rather than cramming, since the exam covers both national and state-specific content. You need 70% correct to pass.

Complete 20 hours of prelicensing education for the Property line and 20 hours for the Casualty line; the combined Property/Casualty exam lasts 3.5 hours and costs $50. Your certificate of completion is valid for 2 years and must be presented at check-in for every exam attempt. You must score 70% to pass, within 90 days of the original approval-to-test date, with up to 3 attempts in that window. PSI also sells practice exams online for a fee.

To prepare, study CDI's Property and Casualty License Examination Objectives, which list the material tested on the exam. You must also complete the 12-hour ethics and California Insurance Code course, including 1 hour on insurance fraud, before the license can be issued. The combined Property and Casualty exam has 150 questions with 195 minutes allowed, and requires a 60% score to pass.

Start with 50 hours of prelicensing education for Property and another 50 hours for Casualty. Each course must include 3 hours of ethics, 3 hours of general Colorado insurance law, and 4 hours of law specific to your line. You must pass the Pearson VUE exam within one year of completing the course or retrain. Pearson offers online practice tests for Property and Casualty, and the exams have 75 and 81 scored questions respectively.

Start with Connecticut's required pre-licensing education: 40 hours for the combined Property & Casualty line, or 20 hours for either single line, taken as classroom, self-study, or online through an approved provider. Study the Pearson VUE candidate handbook's content outlines, which are the blueprints for the exam and cover general insurance knowledge plus Connecticut insurance law. The combined exam is multiple choice, runs 2.5 hours, costs $105, and requires a 70% passing score; unscored pretest questions are mixed in.

Delaware requires no prelicensing education, so preparation is up to you. The Pearson VUE candidate handbook includes free content outlines for the Delaware Property and Casualty producer exams, and each exam pairs a general-knowledge portion with a Delaware statutes, regulations, and ethics portion. Pearson VUE also sells online Property and Casualty practice tests that reflect the format of the real exam.

DC does not require a pre-licensing course, so preparation is up to you. Pearson VUE publishes content outlines showing what each exam tests; the Property exam has 75 scored questions (50 general knowledge plus 25 DC-specific) and the Casualty exam has 80 (50 general plus 30 DC-specific). Pearson VUE also sells online practice tests for $19.95, and most candidates study for several weeks before testing.

Prepare by completing Florida's 200-hour property and casualty prelicensing course, and use the required state study manual for the line. Pearson VUE, the state's exam vendor, publishes a free candidate handbook and content outline, and sells an online practice test for $19.95. The general lines (2-20) exam has 175 total questions (160 scored plus 15 unscored pretest) with a 3-hour time limit, and a 70% passing score is required.

Start with the required prelicensing courses: an 8-hour Property course, an 8-hour Casualty course, and an 8-hour Personal Lines course, each taken within the last 12 months. The combined exam (exam 12-GA-06) allows 2.5 hours and requires a 70% score to pass. Pearson offers online practice tests for Property and Casualty at pearsonvue.com, and the exam content outline is available there as well. It is better to answer every question than to leave one blank, since there is no penalty for incorrect answers.

Idaho does not require pre-licensing education, so how you prepare is up to you. The Idaho Department of Insurance publishes a content outline for each line of authority, including Property and Casualty, and lists approved study-material providers on its testing page. The Property exam has 68 scored questions in 105 minutes, and the Casualty exam has 70 scored questions in 105 minutes, per the Pearson VUE candidate handbook.

Complete 20 hours of approved pre-licensing education for each line you plan to sell, including 7.5 classroom hours per line, and pass the course certification exam with 70% or higher. Study the Pearson VUE candidate handbook and content outlines, which list question counts and time limits for each exam, such as 50 scored questions in 75 minutes for the Property General exam. Pearson VUE sells online practice tests for $19.95, and most candidates spend several weeks preparing.

You must first complete a 40-hour Indiana Property and Casualty pre-licensing course, because Pearson VUE requires proof of course completion at the test center. Then study the Pearson VUE content outlines, which split the exam into 100 scored general-knowledge questions and 35 scored Indiana state questions. Pearson VUE also sells practice tests for $19.95 that show the look and feel of the real exam.

Iowa requires no prelicensing education, so you can prepare however you choose, though many candidates use a commercial prep course. Property and casualty are separate lines of authority, so you must pass two exams: Property (12-IA-03) and Casualty (12-IA-04), each 2 hours and $44. Each exam has a general section on insurance basics and an Iowa-specific section on state law. Register with Pearson VUE at least 24 hours in advance; the exam vendor also offers official online practice tests for property and casualty.

Kansas requires no pre-licensing course, so preparation is up to you. As of July 2026, the combined Property & Casualty and Allied Lines Producer exam costs $64, allows 150 minutes, and requires a 70% passing score set by the Kansas Department of Insurance. You can download the Kansas content outlines from the Pearson website, and Pearson offers online practice tests built from concepts in the general portion of the licensure exam.

Kentucky administers the property exam and the casualty exam as separate tests, each requiring a 70% passing score. The Department of Insurance publishes study outlines showing content and weights: the property exam's Kentucky Law section is worth 8% of questions, and the casualty exam's Kentucky Law section is worth 10%, covering no-fault and workers' compensation statutes. Review the outlines alongside your prelicensing course, and bring your completion certificate and government-issued photo ID to the test site.

Louisiana requires no prelicensing education for the Property and Casualty exam, so preparation is up to you. PSI publishes an official exam content outline listing the tested topics, which is the place to start. The Series 106 Property and Casualty exam has 150 questions, a 160-minute time limit, and a 70% passing score, and there is no limit on retakes within the one-year period after a failed attempt.

Study the content outlines in the Pearson VUE Maine candidate handbook, which cover general property knowledge, general casualty knowledge, and Maine laws, and use Pearson VUE's online property and casualty practice tests. The combined Property & Casualty exam has 140 scoreable questions in 3 hours 30 minutes, so plan study time across all three sections.

Since October 1, 2024, Maryland requires no prelicensing course, so you prepare on your own. The Property and Casualty Producer combo exam has 120 scored questions plus 10 unscored and a 2.5-hour time limit, with Insurance Regulation as the largest content area at 30%. Prometric publishes the exam content outline in English and Spanish, and passing scores are valid for 12 months.

Massachusetts requires no prelicensing education, so you can prepare on your own or with a course. Study the Pearson VUE content outlines: the Property and Casualty producer exams each have 80 scored questions, 50 on general knowledge and 30 on Massachusetts law, plus unscored pretest questions, and you need a scaled score of 70. Property and Casualty are two separate exams; the Property & Casualty Adviser exam does not count. Pearson also sells online practice tests for the general portion at $19.95.

To prepare for the Michigan Property and Casualty exam, complete 40 hours of pre-licensing education in property and casualty coursework from a Michigan-approved provider, either in a classroom or as self-study. You must pass the exam within 12 months of the course completion date. The combined exam (Series 16-81) has 150 items in 2.5 hours with a 74% cut score, so study the PSI examination content outline for the subject areas and number of items tested.

Complete 20 hours of Minnesota Department of Commerce-approved prelicensing education per line of authority, and bring a paper course completion certificate to the test center, since electronic copies are not accepted. The course must cover insurance fundamentals, property, casualty, and Minnesota laws and rules. The combined Property & Casualty exam allows 3 hours, and you need 70% correct to pass. If you hold a two-year insurance degree or a qualifying designation such as CPCU or CIC, you may be exempt from the education requirement.

Start with the required prelicensing education: 20 hours per line for Property and for Casualty, taken in a classroom or by self-study from a state-approved provider. The combined Property & Casualty Producer exam has 90 scored questions plus 10 unscored pretest questions, 150 minutes of seat time, and a 70% passing score. Pearson VUE sells online practice tests for $19.95, and its candidate handbook and content outlines are free downloads.

Missouri does not require prelicensing education, so you prepare on your own or with an optional prep course. The combined Property and Casualty exam (code 55) has a 3-hour time limit and a scaled passing score of 70, and covers general insurance knowledge plus a Missouri-specific section on state statutes and rules. Pearson VUE sells online practice tests for $19.95.

Montana requires no prelicensing course for the Property or Casualty exams, so you prepare using the exam vendor's published materials. Pearson VUE posts the Candidate Handbook and content outlines, which list the 82 scoreable Property questions and 87 scoreable Casualty questions. Pearson VUE also sells online Property and Casualty practice tests for $19.95. You need a score of 75 or better to pass each exam.

Nebraska requires no pre-licensing education, so preparation is up to you. The Nebraska Department of Insurance publishes exam outlines showing each line's topics and the percentage of questions each topic carries, and PSI offers practice exams for the Property and Casualty and Life and Health exams. Private providers also sell prep courses, but the department does not review, approve, or recommend any of them, so compare options and costs on your own.

Nevada requires no prelicensing education hours for producer applicants, so preparation centers on the exam content itself. Download the Pearson VUE content outlines and study both the general knowledge and Nevada-specific sections, because failing produces a single score and requires retaking the entire exam. The Property exam has 82 scored questions and the Casualty exam has 89. Pearson VUE also sells official online practice tests for $19.95.

New Hampshire does not require a prelicensing course, and the insurance department publishes no official study manual, so you may prepare with materials of your own choosing. The Property and Casualty exam (PSI series 12-64) covers property and casualty concepts along with New Hampshire insurance law. Many candidates use an optional prep course or a practice exam before scheduling the test, but a course alone does not guarantee a passing score.

Start with the required prelicensing education: 20 hours for Property plus 20 hours for Casualty, or a combined 40-hour course. New Jersey permits classroom, self-study, and interactive online formats, and every course must cover state insurance regulation, ethics, and fraud prevention; the Property course also includes flood insurance and the National Flood Insurance Program. On exam day, remember that the passing score is 70% and score reports are valid for one year.

New Mexico does not require prelicensing education, and the Office of Superintendent of Insurance specifies no official study manual, so you can prepare with materials of your own choosing, whether self-study or a commercial prep course. You must get 70% of the questions correct to pass. If you fail, you have up to four attempts for that line of authority, and after the fourth failed attempt you must wait six months before retaking the exam.

To prepare for the New York P&C exam, complete a Department-approved prelicensing course of at least 90 hours. The exam (17-56) contains 150 questions with a 2.5-hour time limit, and you must answer 70% correctly to pass. The exam fee is $40, and you schedule through PSI Services, which administers all New York insurance exams. Candidates holding the Chartered Property Casualty Underwriter (CPCU) designation may waive the education requirement and take only the P&C Laws and Regulations exam.

Since October 1, 2025, North Carolina does not require prelicensing education before the exam, so you can prepare on your own, though the Department of Insurance still lists approved prelicensing providers for anyone who wants a course voluntarily. The Property and Casualty exams are separate tests of 55 scoreable questions plus 5 pretest questions each, with 1 hour and 15 minutes per exam. Pearson VUE publishes a free Candidate Guide with the content outlines that all exam questions come from. A scaled score of 70 is required to pass.

North Dakota does not require any prelicensing education, so you can prepare by self-study or a classroom course, and you do not submit proof of study to the state or the testing center. The state does not approve or regulate exam-prep providers. The Property and Casualty exams each cost $64, allow 150 minutes, and require 70% to pass, so study the topics listed in the PSI Candidate Information Bulletin.

To prepare, complete 20 hours of Ohio-approved pre-licensing education for each line, taken by classroom, distance learning, or self-study. Your course completion certificates are valid for 180 calendar days, so you must pass the exam within that window. Aim for the required 70% passing score: the combined Property & Casualty exam (Series 11-36) has 150 questions in 2.5 hours, while each single-line exam has 100 questions in 2 hours.

Oklahoma requires no prelicensing education, so preparation is up to you. The Oklahoma Insurance Department partners with Kaplan Financial Education to publish exam study manuals, which cost $35 in print, $20 as a PDF, or $30 as an eBook, and the producer and adjuster exams are based on the latest Kaplan study guides. The PSI Candidate Information Bulletin's Examination Content Outline also lists what each exam covers, and practice exams are available online for a fee. The state does not recommend any one prep provider.

Complete 20 hours of prelicense education for property and 20 hours for casualty, where one training hour means at least 50 minutes of instruction. Your school issues a Certificate of Completion that is valid for one year, and you must pass the exam and apply for licensure before it expires. The combined Property and Casualty exam (Series 12-04) costs $55 and requires a 70% score to pass.

Pennsylvania does not require a prelicensing course for the property and casualty exam, because Act 142 of 2024 removed the education requirement effective April 29, 2025. Most candidates still study on their own, and many take an optional exam-prep course; typical study plans run several weeks. The exam itself (16-06 Property and Casualty, or the separate 16-04 and 16-05 single-line exams) requires a minimum score of 70% to pass.

Rhode Island requires no prelicensing course hours, so preparation centers on the exam content itself. Pearson VUE's Rhode Island candidate handbook contains the content outlines, which cover a general (national) section and a state section; neither the Department of Business Regulation nor Pearson VUE publishes study materials. First-time property and casualty candidates must register for both the Property Producer and Casualty Producer exams, and scheduling two exams back-to-back in one session makes the second one free. Pearson VUE also sells practice tests for $19.95.

South Carolina does not require prelicensing education, so preparation is up to you; most candidates take a study course or work from the Pearson VUE content outlines. Pearson VUE offers online practice tests for $19.95. Passing requires a score of 70 on a 0-100 scaled score range, not a percentage of correct answers. You may take each exam up to six times in a one-year period, and you can retake it 24 hours after a failed attempt.

South Dakota requires no pre-licensing education, and the Division of Insurance does not specify an official study material, so candidates may prepare using materials of their choice. Testing outlines and exam information are available on the Division's exam page. The written exam itself tests the lines of authority applied for, the duties of an insurance producer, and South Dakota insurance law.

Complete 20 hours of pre-licensing education for the line through a provider approved by the Tennessee Department of Commerce and Insurance. Holders of professional designations such as Chartered Property Casualty Underwriter (CPCU) are exempt from the education requirement, but not the exam. The Property and Casualty exams each require a 70% minimum passing score, and you must pass within 6 months of your first attempt or repeat the pre-licensing education. Pearson VUE's candidate handbook and content outlines detail what each exam covers.

Texas does not require prelicensing education before the exam, though many candidates take a prep course to build product knowledge and Texas law basics. The General Lines P&C exam has 130 scoreable questions (100 general plus 30 on Texas law) plus unscored pretest questions, with 150 minutes allowed. You must reach a scaled score of 70 on a 0-100 scale, and if you fail you can reschedule a new exam within one day, with no limit on attempts.

Utah requires no pre-licensing education before the property and casualty exam, so preparation is up to the candidate. Prometric offers free practice exams for the property and casualty producer tests on its website. The Utah Insurance Department lists study-material vendors but does not review or approve their materials, so a commercial course is optional rather than required.

Vermont requires no prelicensing education hours, so preparation centers on the exam outline for Series 14-31, the Producer's Property and Casualty exam. The test has 150 scored questions plus 5 unscored items in a 2.5-hour limit, and Auto Insurance is the heaviest section at 21%, followed by Homeowners at 17%. Prometric offers free practice exams, and the outline cites the Vermont statutes to review.

Start with the Prometric Series 11-03 content outline, which weights every tested topic. The exam has 135 scored questions plus 10 unscored pretest questions and a 2.5-hour time limit. The heaviest sections are Insurance Regulation at 15%, Auto Insurance at 16%, Homeowners at 13%, P&C Insurance Basics at 13%, and Commercial Package Policy at 12%. Virginia does not require a prelicensing course for this exam, so study on your own schedule and use Prometric's free practice exams before scheduling.

Washington has not required pre-licensing education for producer exams since July 23, 2023, so you can prepare however you choose. Optional exam-prep courses are available on the state's approved-education list, and PSI's candidate bulletin lists the exam content outlines, fees, and testing rules. The combined Property and Casualty exam has 150 questions in 195 minutes, and each single-line Property or Casualty exam has 100 questions in 150 minutes. You need at least 70% to pass.

West Virginia requires 20 hours of pre-licensing education per line for a Property and Casualty license, completed through an approved provider, and your completion certificate is valid for 6 months. The combined exam has 150 questions in 210 minutes with a passing score of 70. Pearson VUE publishes exam content outlines (effective June 16, 2026) and sells official online practice tests for the property and casualty exams at $19.95.

To prepare, complete at least 20 hours of prelicensing education per line of authority: 8 hours covering insurance principles, general Wisconsin insurance laws, and ethics, plus 12 line-specific hours. The Wisconsin Office of the Commissioner of Insurance (OCI) publishes the Intermediary's Guide to Wisconsin Insurance Law as the study guide for the state law portion of the exam. The passing score is 70%, and candidates who fail may retake the exam as often as necessary, with no limit on retakes.

Wyoming does not require any prelicensing education hours, so you can prepare for the property and casualty exam on your own schedule. The state Department of Insurance does not endorse study providers, but it publishes a list of companies known to have prelicensing study materials. You schedule the exam through the testing vendor Pearson VUE.