Question 1

Is there a national Property & Casualty insurance license?

Accepted Answer

No. Every US state and the District of Columbia licenses P&C producers separately, and you must be licensed in each state where you conduct business. Reciprocity lets a licensed resident producer obtain a nonresident license elsewhere without retaking that state's exam, but you still apply and pay a fee in each state.

Question 2

How many hours of pre-licensing education does a P&C license require?

Accepted Answer

It ranges from none to 90 hours, with most states falling between 20 and 40. Virginia requires no pre-licensing education. Texas requires 40 hours, Florida 60 (a 40-hour course plus a 20-hour state supplement), and New York 90 hours covering all lines.

Question 3

What score do I need to pass the P&C exam?

Accepted Answer

Most states require 70%, though a small number set the bar as low as 60%. The exam is computer-based multiple choice at a Prometric or PSI center, typically 100 to 150 scored questions plus unscored pretest items, with 2 to 2.5 hours to complete it. You see your result on screen immediately.

Question 4

What happens if I fail the P&C exam?

Accepted Answer

Most states let you retake after a short wait — commonly the next business day — though some impose a 14 to 30 day waiting period. A retake fee of roughly $40 to $100 applies each attempt. Pre-licensing hours generally do not need to be repeated.

Question 5

Do I need continuing education to keep a P&C license?

Accepted Answer

Yes, in every state. CE cycles run one to two years and require roughly 12 to 30 hours per cycle, usually including 2 to 3 hours of ethics. Missing the deadline lapses the license, and reinstating it can mean retaking the exam.

P&C insurance license requirements, by state

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