Missouri Property & Casualty Insurance License Exam Overview
The Missouri Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Missouri Department of Commerce and Insurance (DCI). Missouri's central location and diverse weather patterns—from tornadoes to ice storms—create unique insurance challenges that agents must understand.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Missouri—a state with over 6 million residents, two major metropolitan areas (St. Louis and Kansas City), and significant severe weather exposure.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Pearson VUE |
| Exam Fee | $49 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in Missouri?
- Large population — Over 6 million residents across diverse markets
- Two major metros — St. Louis and Kansas City offer urban opportunities
- Tornado Alley exposure — Significant severe weather creates coverage needs
- Lower pre-licensing — Only 24 hours required (easier entry)
- Central location — Gateway to Midwest business opportunities
Start Your FREE Missouri P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Missouri P&C exam prep covers everything you need to pass.
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
Missouri-Specific Property Topics:
- Missouri FAIR Plan (residual market)
- Tornado and windstorm coverage (critical for MO)
- Hail damage coverage
- Flood insurance (Mississippi and Missouri River areas)
- Ice storm damage coverage
- Earthquake coverage (New Madrid Seismic Zone)
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
Missouri Workers' Compensation:
- Required for employers with 5 or more employees (non-construction)
- Construction: Required with 1 or more employees
- Missouri Employers Mutual Insurance Company
- Second Injury Fund considerations
3. Auto Insurance (25%)
Missouri Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
| Uninsured Motorist | $25,000/$50,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Missouri financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Missouri Insurance Code and Regulations (10%)
Missouri Revised Statutes Chapter 375 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 24 hours (lower than many states)
- Continuing education: 16 hours every 2 years
- Ethics requirement: 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 | Property insurance fundamentals | 10-12 |
| Week 2 | Liability insurance | 10-12 |
| Week 3 | Auto insurance and MO requirements | 10-12 |
| Week 4 | Missouri regulations (Chapter 375) | 8-10 |
| 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 Missouri P&C exam.
Missouri-Specific Exam Tips
1. Know Missouri Auto Minimums
Missouri requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Tornado and Severe Weather Coverage
Missouri sits in Tornado Alley with significant exposure:
- Tornado coverage — Usually included in windstorm
- Hail damage — Major claim type in MO
- Wind deductibles — May be separate percentage
- Storm shelter credits — Available on some policies
- Additional living expense — Critical after severe storms
3. Understand Earthquake Risk
Missouri has unique earthquake exposure:
- New Madrid Seismic Zone — Major fault line in southeast MO
- Earthquake coverage — Separate policy or endorsement
- Not included in HO — Standard homeowners excludes earthquake
- Missouri Earthquake Authority — Available for hard-to-insure risks
4. Key Numbers to Remember
| Topic | Missouri Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 5+ employees (non-construction) |
| Pre-licensing | 24 hours |
| CE requirement | 16 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Underestimating tornado coverage — Major MO property risk
- Forgetting earthquake exposure — New Madrid Zone is significant
- Not knowing auto minimums — 25/50/25 in Missouri
- Skipping flood coverage — River areas at high risk
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam
- Apply for license through Missouri Department of Commerce and Insurance
- Complete background check — Required for all applicants
- Pay license fee — $50 for resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 16 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Missouri Updates
For 2026, be aware of:
- Severe weather coverage rate adjustments
- Earthquake coverage updates
- Auto insurance rate changes
- Enhanced consumer protection regulations
Start Your Missouri P&C Insurance Career Today
The Missouri P&C license opens doors to a large, diverse insurance market with significant weather-related coverage needs. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Missouri-specific regulations (Chapter 375)
- Tornado and earthquake coverage review
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.