Georgia Property & Casualty Insurance License Exam Overview
The Georgia Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Georgia Office of Insurance and Safety Fire Commissioner. Georgia is the eighth-largest state by population, with Atlanta serving as a major insurance hub in the Southeast.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Georgia—a state with over 10 million residents and strong demand for both personal and commercial lines.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 125 multiple-choice |
| Scored Questions | 125 |
| Time Limit | 2 hours |
| Passing Score | 70% (88 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $59 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Georgia?
- Major Southeast market — Over 10 million potential clients
- Atlanta insurance hub — Corporate headquarters and agency opportunities
- Growing population — Rapid expansion creates new insurance needs
- Hurricane exposure — Coastal property coverage in demand
- Competitive compensation — Average P&C agent salary over $60,000
📚 Start Your FREE Georgia P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Georgia P&C exam prep covers everything you need to pass.
→ Start FREE Georgia P&C Exam Prep
Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Georgia-Specific Property Topics:
- Georgia FAIR Plan (residual market)
- Hurricane and windstorm coverage
- Ordinance or law coverage
- Flood insurance requirements
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Georgia Workers' Compensation:
- Coverage requirements (3+ employees)
- Exempt employment categories
- Monopolistic vs. competitive state
3. Auto Insurance (25%)
Georgia Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Georgia financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Georgia Insurance Code and Regulations (10%)
O.C.G.A. Title 33 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check required
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Property insurance fundamentals | 10-12 |
| Week 2-3 | Liability insurance | 10-12 |
| Week 3-4 | Auto insurance and Georgia requirements | 10-12 |
| Week 4-5 | Georgia regulations (O.C.G.A. Title 33) | 6-8 |
| Week 5 | Practice exams and review | 10-12 |
Total recommended study time: 50-60 hours
🎯 Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Georgia P&C exam.
→ Access FREE GA P&C Practice Questions
Georgia-Specific Exam Tips
1. Know Georgia Auto Minimums
Georgia requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Understand the FAIR Plan
Georgia FAIR Plan provides property insurance for:
- High-risk properties unable to get private coverage
- Basic fire and extended coverage
- Essential property protection
3. Master Workers' Compensation
Georgia workers' comp requirements:
- Required for employers with 3+ employees
- Exempt: farm laborers, domestic servants, railroad employees
- Competitive state (private market)
4. Key Numbers to Remember
| Topic | Georgia Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 3+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — Georgia is 25/50/25, not 25/50/20
- Forgetting uninsured motorist — Required in Georgia
- Skipping workers' comp — 3+ employee threshold is tested
- Ignoring hurricane coverage — Important for coastal Georgia
- Not practicing timed exams — 2 hours for 125 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Georgia OCI online portal
- Complete background check — Required for all applicants
- Pay license fee — $15 for resident P&C license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Georgia Updates
For 2026, be aware of:
- Auto insurance rate changes
- Hurricane coverage updates
- Updated producer appointment rules
- Enhanced consumer protection regulations
Start Your Georgia P&C Insurance Career Today
The Georgia P&C license opens doors to one of the Southeast's largest insurance markets. With proper preparation, you can pass the exam on your first attempt.
→ Begin FREE Georgia P&C Exam Prep Now
Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Georgia-specific regulations (O.C.G.A. Title 33)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.