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Free Colorado P&C Exam Prep

Colorado Property & Casualty Insurance

Pass your Colorado P&C exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

Colorado Property & Casualty Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

National P&C Fundamentals

Master foundational P&C insurance concepts: property insurance basics, casualty insurance principles, policy structures, and general insurance concepts tested on the exam.

20
hours
Start this step
2

Colorado P&C RegulationsYou are here

Study Colorado-specific laws including DORA DOI regulations, CO FAIR Plan, hail disclosure requirements, auto insurance minimums (25/50/15), and Pinnacol workers compensation.

15
hours
3

Colorado Property Insurance

Learn CO FAIR Plan for hard-to-place property risks, hail disclosure requirements, percentage deductibles, homeowners coverage, and Colorado-specific property regulations.

10
hours
4

Colorado Casualty & Ethics

Master auto insurance minimums, 50% comparative fault bar, Pinnacol workers comp, CPCIGA guaranty association, and producer conduct standards.

10
hours
Estimated total study time
55 hours
That's about 6 weeks at 10 hours/week

Can You Take the Colorado P&C Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
50 hours pre-license education from approved provider
Background Check
Required via Colorado Bureau of Investigation (CBI)
Fingerprinting
Required - electronic fingerprinting through IdentoGO
Additional Requirements
  • 50 hours pre-license education required (12hr Property + 12hr Casualty + 10hr Principles/Ethics)
  • Must pass BOTH Property (90q) AND Casualty (96q) exams separately
  • Pearson VUE administers exams - online and test center options
  • $41 for both exams when scheduled together at test center
  • Pre-license certificate valid for 1 year from completion
  • Must apply for license within 12 months of passing exam
  • Fee changes effective March 1, 2026

Colorado P&C Quick Facts

Time to Get Licensed

4-6 weeks

From start to license in hand

Exam Provider

Pearson VUE

Remote Testing Available
Schedule Your Exam

Retake Policy

24-hour wait between attempts; no limit on retakes; certificate valid 1 year

Temporary License

Not available in Colorado

Total Cost Breakdown

Exam Fee$41 (both exams at test center)
Application Fee$47
Fingerprint Fee~$50 (IdentoGO)
Pre-License Education$250-450 (50-hour course required)
NIPR Transaction Fee$5.60
Total Estimated Cost$393-593

Exam Exemptions

Holders of these professional designations may be exempt from all or part of the exam:

CPCU

Chartered Property Casualty Underwriter - may qualify for exam exemption

CIC

Certified Insurance Counselor - may qualify for exam exemption

Why Choose Us

Free Colorado P&C Prep That Actually Works

The official pass rate is ~68% (varies by attempt). Our students do better.

500+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

5 chapters covering everything you need to pass

Colorado P&C-Specific Topics Covered

Colorado Division of Insurance (DORA DOI) RegulationsCO FAIR Plan (Property Residual Market)Auto Insurance Minimums (25/50/15)50% Comparative Fault Bar (Modified)Pinnacol Assurance (Workers Compensation)Colorado Property & Casualty Insurance Guaranty Association (CPCIGA)50 Hours Pre-Licensing Education RequiredSeparate Property and Casualty ExamsHail Disclosure RequirementsPercentage DeductiblesPearson VUE Remote Proctoring AvailableProducer Licensing & CE Requirements (24 hrs/3 ethics)Exam Fee Changes March 1, 2026
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Colorado P&C Exam Details

Colorado Property & Casualty Insurance

Administered by Colorado Division of Insurance (DORA)

Official Source
70%
Passing Score
Separate
Questions
2
Hours
$41 for both exams at test center + $47 application fee + $5.60 NIPR
Exam Fee
Study time: 60-80 hours
Prerequisites: 50 hours pre-license education

Exam Content Breakdown

Based on the official Colorado Division of Insurance (DORA) content outline

Colorado P&C Regulation15%

DORA DOI structure, 50-hour pre-license requirement, licensing

Property Insurance Laws25%

CO FAIR Plan, hail disclosure, percentage deductibles, homeowners

Casualty Insurance Laws35%

At-fault auto, 25/50/15 minimums, 50% bar, Pinnacol workers comp

Ethics & Prohibited Practices25%

Claims handling, CPCIGA guaranty fund, producer conduct

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the Colorado P&C?

After passing the Colorado P&C, you can pursue these career paths

Colorado P&C Exam FAQ

Official Colorado Division of Insurance (DORA) Resources

Verify information with these official sources

More Free Resources

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