Utah Property & Casualty Insurance License Exam Overview
The Utah Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Utah Insurance Department. Utah is one of the fastest-growing states in the nation, with Salt Lake City serving as a major tech and business hub, and unique geological and weather risks creating specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Utah—a state with over 3.4 million residents, significant earthquake exposure, and a booming economy that creates strong P&C insurance demand.
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 | Prometric |
| Exam Fee | $44 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in Utah?
- Fastest-growing state — Top population growth in the US
- Tech hub growth — Silicon Slopes attracting major companies
- Unique risks — Earthquake and wildfire exposure
- Young population — High demand for auto and homeowners insurance
- Strong compensation — Average P&C agent salary over $58,000
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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
Utah-Specific Property Topics:
- Utah FAIR Plan (residual market)
- Earthquake coverage (major UT exposure)
- Wildfire coverage (mountain communities)
- Snow and ice damage
- Sinkhole and subsidence coverage
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
Utah Workers' Compensation:
- Required for all employers with employees
- Workers' Compensation Fund of Utah available
- Competitive state (private market)
- Self-insurance options for qualified employers
3. Auto Insurance (25%)
Utah Auto Insurance Requirements (Updated January 2025):
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $65,000 |
| Property Damage | $25,000 |
| PIP (Personal Injury Protection) | $3,000 |
Note: Utah increased its auto liability minimums from 25/65/15 to 30/65/25 effective January 1, 2025.
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Utah no-fault insurance system
- Personal Injury Protection (PIP) requirements
- Uninsured motorist coverage
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Utah Insurance Code and Regulations (10%)
Title 31A 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 UT requirements | 10-12 |
| Week 4-5 | Utah regulations (Title 31A) | 8-10 |
| Week 5-6 | 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 Utah P&C exam.
Utah-Specific Exam Tips
1. Know Utah Auto Minimums
Utah requires 30/65/25 liability coverage plus PIP (updated January 2025):
- $30,000 per person bodily injury
- $65,000 per accident bodily injury
- $25,000 property damage
- $3,000 PIP (Personal Injury Protection)
2. Master No-Fault Insurance
Utah is a no-fault state:
- PIP required — $3,000 minimum coverage
- Medical expense coverage — Regardless of fault
- Lost wages — Covered under PIP
- Threshold for lawsuits — Must exceed certain limits
3. Understand Earthquake Coverage
Utah has significant earthquake exposure:
- Wasatch Fault runs through populated areas
- Earthquake not covered by standard homeowners
- Separate earthquake policy or endorsement required
- Higher deductibles common (10-20% of dwelling coverage)
4. Key Numbers to Remember
| Topic | Utah Requirement |
|---|---|
| Auto minimums | 30/65/25 + $3,000 PIP |
| WC threshold | All employers |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Forgetting PIP requirement — Utah is a no-fault state requiring PIP
- Wrong auto minimums — Utah has unique 25/65/15 limits
- Skipping earthquake coverage — Major UT exposure along Wasatch Fault
- Ignoring wildfire risks — Mountain communities at risk
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Utah Insurance Department portal
- Complete background check — Required for all applicants
- Pay license fee — $50 for 2-year resident 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 Utah Updates
For 2026, be aware of:
- Earthquake coverage updates and rate changes
- Wildfire mitigation requirements
- Auto insurance rate adjustments
- PIP coverage limit discussions
- Enhanced consumer protection regulations
Start Your Utah P&C Insurance Career Today
The Utah P&C license opens doors to one of the nation's fastest-growing insurance markets. With tech industry growth and a young, expanding population, Utah offers excellent opportunities for insurance professionals. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Utah-specific regulations (Title 31A)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.