Key Takeaways
- Colorado requires 50 hours of pre-licensing education (includes ethics and CO law requirements)
- Property and Casualty are two separate exams; 70% passing score required on each
- Exam administered by Pearson VUE with online (OnVUE) option available at $31
- Back-to-back exams available for $41 total (same fee for two exams)
- Effective March 1, 2026, Colorado will update licensing fee structure
Colorado Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Colorado Property & Casualty Insurance exam prep guide. This comprehensive resource covers Colorado-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Colorado P&C Exams
The Colorado Property & Casualty insurance examinations are administered by Pearson VUE on behalf of the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA).
Two Separate Exams Required
Colorado treats Property and Casualty as separate lines of authority:
| Exam | Details |
|---|---|
| Property Insurance | Separate exam required |
| Casualty Insurance | Separate exam required |
| Passing Score | 70% on each |
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Regulatory Authority | Colorado DOI (DORA) |
| Passing Score | 70% or higher |
| Test Delivery | In-person ($41) or OnVUE online ($31) |
| Back-to-Back | Two exams for $41 at test center |
| Results | Immediate |
Cost Savings: Take both Property and Casualty exams in one session at the test center for just $41 total. Online exams are $31 each with no multi-exam discount.
Pre-Licensing Education Requirements
| Requirement | Hours |
|---|---|
| Line-Specific Content | 40 hours |
| Colorado Laws (General) | 3 hours |
| Ethics | 3 hours |
| CO Laws (Line-Specific) | 4 hours |
| TOTAL | 50 hours |
Note: If applying for multiple lines, you only need to complete the 3 hours of ethics once.
2026 Fee Changes
Effective March 1, 2026, Colorado will update initial and renewal licensing fees:
- Electronic applications will not be processed from February 27-28, 2026
- Processing resumes March 1, 2026 with new fee structure
- Check DORA website for updated fee amounts
Step-by-Step Licensing Process
Step 1: Complete Pre-Licensing Education
Complete 50 hours of DOI-approved education:
- 40 hours of line-specific content
- 3 hours of general Colorado insurance laws
- 3 hours of ethics
- 4 hours of line-specific Colorado laws
Step 2: Register for Both Exams
Register with Pearson VUE:
- Visit pearsonvue.com
- Create an account
- Schedule Property exam
- Schedule Casualty exam (back-to-back saves money!)
- Pay $41 (test center) or $31 per exam (online)
Step 3: Pass Both Exams
On exam day:
- 70% required on each exam
- Receive immediate results
- Both exams must be passed
Step 4: Apply for License
Apply through NIPR or Sircon:
- Application fee: $47
- Transaction fee: $5.60 (NIPR only)
- Submit within 12 months of passing
Step 5: Receive License
- DORA DOI review: 3-5 business days
- License valid for 2 years
- Begin selling P&C insurance in Colorado
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education (50 hrs) | $150-350 |
| Both Exams (test center) | $41 |
| License Application | $47 + $5.60 |
| TOTAL | ~$244-444 |
Colorado Auto Insurance
Colorado requires the following minimums:
| Coverage | Minimum |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
| Formula | 25/50/15 |
Note: Colorado is a fault-based (tort) state.
NFIP Flood Insurance Requirement
| Requirement | Details |
|---|---|
| Course | 3-hour NFIP course |
| When | By end of first renewal period |
| Applies To | If selling flood insurance |
| CE Credit | Counts toward 24-hour requirement |
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours (included) |
| Renewal | By last day of birth month |
Contact Information
| Resource | Details |
|---|---|
| Colorado DOI | doi.colorado.gov |
| Phone | (303) 894-7499 |
| Pearson VUE | pearsonvue.com |
| NIPR | nipr.com |
What This Guide Covers
Chapter 1: Colorado Insurance Regulation
- DORA/DOI structure and authority
- Colorado Insurance Code
- Licensing requirements
- Producer responsibilities
Chapter 2: Colorado Property Insurance
- Homeowners requirements
- Colorado FAIR Plan
- Wildfire coverage issues
- Mountain/ski area considerations
Chapter 3: Colorado Casualty Insurance
- Auto minimums (25/50/15)
- Workers' compensation
- Liability insurance
- Commercial lines
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Colorado Insurance Guaranty Association
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 50 hours |
| Ethics hours | 3 hours |
| CO law hours | 7 hours (3+4) |
| Passing score | 70% |
| Test center fee (both) | $41 |
| Online fee (each) | $31 |
| Application fee | $47 + $5.60 |
| Application deadline | 12 months |
| DORA review | 3-5 days |
| BI liability | 25/50 |
| PD liability | $15,000 |
| CE hours | 24 every 2 years |
Next Steps
- Enroll in 50-hour course - DOI-approved provider
- Complete this FREE study guide - CO-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Schedule both exams - Pearson VUE (back-to-back!)
- Pass both exams - 70%+ on each
- Apply for license - NIPR or Sircon
- Start your career - Within 3-5 days!
Let's get started with Chapter 1: Colorado Insurance Regulation!
How many hours of pre-licensing education does Colorado require?
How much does it cost to take both Property and Casualty exams at a Pearson VUE test center?
How long does DORA typically take to review a license application?
What are the minimum auto liability limits in Colorado?
When will Colorado update its licensing fee structure in 2026?