Wyoming Property & Casualty Insurance License Exam Overview
The Wyoming Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Wyoming Department of Insurance (DOI). Wyoming's economy—centered on energy, agriculture, and tourism—creates unique insurance needs in the least populated state in the nation.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Wyoming—a state with approximately 580,000 residents, significant ranch and agricultural exposure, and an energy sector that creates substantial commercial 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 | Pearson VUE |
| Exam Fee | $113 |
| Pre-licensing Education | Not required (recommended) |
Why Get P&C Licensed in Wyoming?
- Energy sector — Oil, gas, and coal industries need coverage
- Ranch and farm — Vast agricultural operations
- No pre-licensing — Fast path to licensing
- Low competition — Fewer agents, more opportunity
- No state income tax — Keep more of your earnings
Start Your FREE Wyoming P&C Exam Prep
Ready to begin studying? Our comprehensive, completely free Wyoming 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
Wyoming-Specific Property Topics:
- Wyoming FAIR Plan (residual market)
- Wind and hail coverage (major exposure)
- Wildfire coverage (growing concern)
- Ranch and farm property coverage
- Severe winter storm 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
Wyoming Workers' Compensation:
- State-run program (Wyoming Workers' Compensation Division)
- Required for most employers
- Exclusive state fund (monopolistic)
- Self-insurance limited
3. Auto Insurance (25%)
Wyoming Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $20,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Wyoming financial responsibility law
- Uninsured motorist coverage (optional)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Wyoming Insurance Code and Regulations (10%)
Title 26 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: Not required
- 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 | 12-14 |
| Week 2-3 | Liability insurance | 12-14 |
| Week 3-4 | Auto insurance and WY requirements | 12-14 |
| Week 4 | Wyoming regulations (Title 26) | 8-10 |
| Week 5 | Practice exams and review | 12-14 |
Total recommended study time: 55-65 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Wyoming P&C exam.
Wyoming-Specific Exam Tips
1. Know Wyoming Auto Minimums
Wyoming requires 25/50/20 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $20,000 property damage
2. Master Ranch and Farm Coverage
Wyoming's agricultural sector requires specialized knowledge:
- Farm and ranch policies — Combination property/liability
- Livestock coverage — Cattle, horses, sheep
- Crop insurance — Hay and grain exposures
- Equipment coverage — Tractors, combines, ranch vehicles
3. Understand Energy Sector Coverage
Wyoming's energy industry creates unique exposures:
- Oil and gas operations coverage
- Environmental liability
- Contractor and subcontractor coverage
- Equipment breakdown for energy operations
4. Key Numbers to Remember
| Topic | Wyoming Requirement |
|---|---|
| Auto minimums | 25/50/20 |
| WC program | State fund |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Skipping study — No pre-licensing doesn't mean easy exam
- Ignoring ranch coverage — Critical for Wyoming agents
- Not knowing auto minimums — Wyoming is 25/50/20
- Forgetting state WC fund — Wyoming is monopolistic
- 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 Wyoming DOI online portal
- Complete background check — Required for all applicants
- Pay license fee — $50 for initial 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 Wyoming Updates
For 2026, be aware of:
- Energy sector coverage changes
- Ranch and farm rate adjustments
- Enhanced consumer protection regulations
- Updated claims settlement requirements
Start Your Wyoming P&C Insurance Career Today
The Wyoming P&C license opens doors to a specialized Western market with unique opportunities in ranching and energy. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Wyoming-specific regulations (Title 26)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.