Key Takeaways
- Georgia requires 40 hours of pre-licensing education (20 hours Property + 20 hours Casualty)
- The exam has 125 scored questions with a 150-minute time limit and 70% passing score
- Georgia does NOT license Property or Casualty separately - must take combined exam
- Exam administered by Pearson VUE; citizenship affidavit (GID-276-EN) required
- CPCU designation holders can waive education and examination requirements
Georgia Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Georgia Property & Casualty Insurance exam prep guide. This comprehensive resource covers Georgia-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Georgia P&C Exam
The Georgia Property & Casualty insurance examination is administered by Pearson VUE on behalf of the Georgia Office of the Commissioner of Insurance and Safety Fire (OCI). Georgia is the eighth-largest state with a growing insurance market.
Important: Combined License Only
Georgia does NOT license Property or Casualty separately. You must:
- Take both Property and Casualty together
- Pass a single combined examination
- Receive a combined P&C license
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Regulatory Authority | Georgia OCI |
| Passing Score | 70% or higher |
| Scored Questions | 125 questions |
| Time Limit | 150 minutes (2.5 hours) |
| Test Delivery | In-person or remote |
| Results | Immediate |
| Sections | 10 parts |
Pre-Licensing Education Requirements
| Line | Hours Required |
|---|---|
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| TOTAL | 40 hours |
Note: Some sources indicate 16 hours (8 per line), but the standard requirement is 40 hours. Verify with an OCI-approved provider.
Step-by-Step Licensing Process
Step 1: Complete Pre-Licensing Education
Complete 40 hours of OCI-approved education:
- 20 hours for Property Insurance
- 20 hours for Casualty Insurance
- Obtain certificate of completion
Step 2: Register for the Exam
Register with Pearson VUE:
- Create an account at pearsonvue.com
- Select Georgia P&C exam
- Pay $63 exam fee
- Choose testing center or remote proctoring
Step 3: Pass the Exam
On exam day:
- Complete 125 questions in 150 minutes
- 70% required to pass
- Receive immediate results
Step 4: Complete Citizenship Affidavit
Georgia requires citizenship verification:
| Document | Details |
|---|---|
| Form | GID-276-EN |
| Purpose | Citizenship affidavit |
| Requirement | All resident applicants |
Step 5: Complete Fingerprinting
Schedule fingerprinting through Fieldprint:
| Step | Details |
|---|---|
| Provider | Fieldprint |
| Cost | $51.50 |
| Processing | Background check |
Step 6: Apply for License
Apply through NIPR or Sircon:
- Application fee: $200
- Processing fee: $20
- Transaction fee: $5.60
- Total: ~$225.60
Step 7: Receive License
- OCI reviews application
- Background check completed
- License valid for 2 years
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education (40 hrs) | $150-350 |
| Exam Fee (Pearson VUE) | $63 |
| Fingerprinting (Fieldprint) | $51.50 |
| License Application | $200 + $20 + $5.60 |
| TOTAL | ~$490-690 |
Georgia Auto Insurance
Georgia requires the following minimums:
| Coverage | Minimum |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
| Formula | 25/50/25 |
Note: Georgia is a fault-based (tort) state.
Exam Content (10 Sections)
| Section | Content |
|---|---|
| 1-2 | Policy types |
| 3-4 | Insurance terms and concepts |
| 5-6 | Policy provisions |
| 7-8 | Contract law |
| 9-10 | Rules and regulations |
Exam Waivers
CPCU Designation
Candidates holding the CPCU designation can waive:
- Pre-licensing education requirement
- Examination requirement
Reciprocity Waiver
Waivers available if:
- Licensed for same lines in previous home state
- Previous license was active when you moved
- Apply within 90 days of moving to Georgia
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | Included in total |
| Provider | OCI-approved |
Contact Information
| Resource | Details |
|---|---|
| Georgia OCI | oci.georgia.gov |
| Phone | (404) 656-2101 |
| Address | 2 Martin Luther King Jr Dr, Suite 704, Atlanta, GA 30334 |
| Agents@oci.ga.gov | |
| Pearson VUE | pearsonvue.com |
What This Guide Covers
Chapter 1: Georgia Insurance Regulation
- OCI structure and authority
- Georgia Insurance Code
- Licensing requirements
- Producer responsibilities
Chapter 2: Georgia Property Insurance
- Homeowners requirements
- Georgia FAIR Access Plan
- Commercial property
- State-specific provisions
Chapter 3: Georgia Casualty Insurance
- Auto minimums (25/50/25)
- Workers' compensation
- Liability insurance
- Commercial lines
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Georgia Insurers Insolvency Pool
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 40 hours |
| Property hours | 20 hours |
| Casualty hours | 20 hours |
| Exam questions | 125 scored |
| Exam time | 150 minutes |
| Passing score | 70% |
| Exam fee | $63 |
| Application fee | $200 + $20 + $5.60 |
| Fingerprinting | $51.50 |
| BI liability | 25/50 |
| PD liability | $25,000 |
| CE hours | 24 every 2 years |
Next Steps
- Enroll in 40-hour course - OCI-approved provider
- Complete this FREE study guide - GA-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Schedule exam - Pearson VUE
- Pass exam - 70%+ score
- Complete citizenship affidavit - Form GID-276-EN
- Complete fingerprinting - Fieldprint
- Apply for license - NIPR or Sircon
Let's get started with Chapter 1: Georgia Insurance Regulation!
Can you get a Property-only or Casualty-only license in Georgia?
What special document does Georgia require for all resident license applicants?
How many scored questions are on the Georgia P&C exam?
What are the minimum auto liability limits in Georgia?
Which designation can waive both education AND examination in Georgia?