Fazlur Rahman
The property and casualty (P&C) insurance exam is the state licensing test required to sell home, auto, and commercial insurance to US consumers and businesses. Candidates complete 20–40 hours of pre-licensing education before sitting a 100–150 question state exam with a 70% pass mark. Total first-year cost ranges $200–$700; license valid 2 years with 16–30 hours of continuing education (NAIC, 2026).
Data last verified September 2026 from the National Association of Insurance Commissioners (NAIC) Producer Licensing Model Act and state Departments of Insurance.
Lines of authority and pre-licensing hours
| Line of authority | Pre-licensing hours | Typical state exam fee | License cycle |
|---|---|---|---|
| Personal lines P&C | 20 hours | $50–$100 | 2 years |
| Commercial lines P&C | 20–40 hours | $50–$150 | 2 years |
| Property and Casualty (combined) | 40 hours | $75–$150 | 2 years |
| Surplus lines | 2 years P&C experience + state exam | $75–$200 | 2 years |
Source: National Association of Insurance Commissioners (2026).
