Virginia Property & Casualty Insurance License Exam Overview
The Virginia Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Virginia State Corporation Commission Bureau of Insurance. Virginia is the twelfth-largest state by population, with Northern Virginia's proximity to Washington DC creating unique commercial insurance opportunities.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Virginia—a state with over 8.6 million residents and strong demand from federal contractors, military personnel, and growing technology companies.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $58 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Virginia?
- DC metro access — Northern Virginia federal contractor market
- Military market — Large military and veteran population
- Growing tech sector — Amazon HQ2 and tech companies
- High income levels — Strong demand for coverage
- Competitive compensation — Average P&C agent salary over $65,000
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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
Virginia-Specific Property Topics:
- Virginia Property Insurance Association (VPIA)
- Hurricane coverage (coastal Virginia)
- Flood insurance requirements (Tidewater area)
- Ordinance or law 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
Virginia Workers' Compensation:
- Required for employers with 3+ employees
- Virginia Workers' Compensation Commission
- Competitive state (private market)
- Self-insurance options
3. Auto Insurance (25%)
Virginia Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $20,000 |
Virginia Uninsured Motorist Fee:
- Virginia allows drivers to pay $500 fee to DMV
- Legally drive without insurance
- Not recommended—no protection if in accident
- Creates unique exam questions
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Virginia financial responsibility law
- Uninsured motorist coverage (required if insured)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Virginia Insurance Code and Regulations (10%)
Title 38.2 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: 2 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 Virginia requirements | 10-12 |
| Week 4-5 | Virginia regulations (Title 38.2) | 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 Virginia P&C exam.
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Virginia-Specific Exam Tips
1. Know Virginia Auto Minimums
Virginia requires 30/60/20 liability coverage:
- $30,000 per person bodily injury
- $60,000 per accident bodily injury
- $20,000 property damage
2. Understand the Uninsured Motorist Fee
Virginia's unique option allows:
- Payment of $500 fee to DMV
- Legal driving without insurance
- No coverage if at fault in accident
- Often tested on exam
3. Understand VPIA
Virginia Property Insurance Association provides:
- Essential property coverage for high-risk properties
- Residual market access
- Basic fire and extended coverage
4. Key Numbers to Remember
| Topic | Virginia Requirement |
|---|---|
| Auto minimums | 30/60/20 |
| UM fee | $500 |
| WC threshold | 3+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — Virginia is 30/60/20
- Forgetting UM fee — Unique Virginia concept, heavily tested
- Skipping workers' comp — 3+ employee threshold is tested
- Ignoring coastal coverage — Hurricane coverage for Tidewater
- Not practicing timed exams — 2.5 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Virginia SCC Bureau of Insurance 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 Virginia Updates
For 2026, be aware of:
- Auto insurance rate changes
- Hurricane coverage updates
- Enhanced consumer protection regulations
- Modified CE requirements
Start Your Virginia P&C Insurance Career Today
The Virginia P&C license opens doors to one of the nation's most affluent insurance markets. With proper preparation, you can pass the exam on your first attempt.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Virginia-specific regulations (Title 38.2)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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