Key Takeaways
- Massachusetts has NO mandatory pre-licensing education requirement for Property & Casualty insurance
- Massachusetts requires TWO separate exams: Property (100 questions) and Casualty (100 questions), each with 120 minutes
- Both exams require a 70% passing score and are administered by Prometric
- Combined exam fee is only $49 (or $39 per individual exam) - one of the lowest in the nation
- License fees are high: $225 application fee PLUS $75 lead paint surcharge = $300 total
- Massachusetts requires 60 hours CE initially, then 45 hours every 3 years for renewal
Massachusetts Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Massachusetts Property & Casualty Insurance exam prep guide. This comprehensive resource covers Massachusetts-specific regulations, licensing requirements, no-fault auto insurance, and state insurance laws you need to know to pass your exam in 2026.
About the Massachusetts P&C Exam
The Massachusetts Property & Casualty insurance examination is administered by Prometric on behalf of the Massachusetts Division of Insurance. The exam tests your knowledge of:
- Massachusetts Insurance Code and regulations
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- Massachusetts no-fault auto insurance system
- FAIR Plan and coastal insurance
- Ethics and professional conduct
- Massachusetts consumer protection laws
Exam Structure - Two Separate Exams Required
IMPORTANT: Massachusetts requires passing TWO separate exams to obtain a combined P&C license:
| Exam Component | Property Exam | Casualty Exam |
|---|---|---|
| Questions | 100 multiple-choice | 100 multiple-choice |
| Time Limit | 120 minutes (2 hours) | 120 minutes (2 hours) |
| Passing Score | 70% | 70% |
| Testing Provider | Prometric | Prometric |
| Results | Immediate | Immediate |
Important: Scores are NOT averaged between exams. You must achieve 70% on EACH exam independently to pass.
Exam Fee Structure
| Exam Option | Fee |
|---|---|
| Combined P&C (Both Exams) | $49 |
| Property Exam Only | $39 |
| Casualty Exam Only | $39 |
Cost Advantage: Massachusetts has one of the lowest exam fees in the nation at just $49 for both exams combined!
Testing Options
- In-Person: Prometric testing centers throughout Massachusetts
- Online: Remote proctored option available through Prometric
- Scheduling: Available 24/7 through prometric.com
Pre-Licensing Education Requirements
No Education Required!
Massachusetts has NO mandatory pre-licensing education requirement:
| Requirement | Massachusetts | Typical State |
|---|---|---|
| Pre-License Hours | 0 hours | 20-40 hours |
| Classroom Time | None required | Often required |
| Online Courses | Not mandated | Usually required |
| Certificate | Not needed | Usually required |
What This Means for You
- Start studying immediately - No waiting for course completion
- Self-study permitted - Use this FREE guide and practice exams
- Cost savings - No mandatory pre-license course fees
- Flexible timeline - Schedule exams when you're ready
Study Tip: Even without required pre-licensing, successful candidates typically spend 60-80 hours studying due to the dual exam format. Don't underestimate the challenge of passing two separate 100-question exams.
Massachusetts Insurance Market Context
Why Massachusetts Is Unique
Massachusetts has one of the most distinctive insurance markets in the nation:
-
No-Fault Auto Insurance
- Massachusetts is a no-fault state for auto insurance
- Personal Injury Protection (PIP) is mandatory
- Tort threshold for lawsuits applies
- Safe Driver Insurance Plan (SDIP) affects rates
-
High-Risk Pools
- Massachusetts FAIR Plan for property
- Commonwealth Automobile Reinsurers (CAR) for auto
- Residual market mechanisms for high-risk drivers
-
Regulatory Approach
- Prior approval rate regulation
- Division of Insurance oversight
- Strong consumer protection laws
- Lead paint liability considerations
-
Unique Market Factors
- Coastal storm exposure (hurricanes, nor'easters)
- Historic buildings with unique coverage needs
- High insurance costs compared to national average
- Dense urban markets in Greater Boston
Massachusetts Auto Insurance Requirements
All Massachusetts drivers must maintain specific coverages:
| Coverage Type | Minimum Limit | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Compulsory |
| Bodily Injury (per accident) | $40,000 | Compulsory |
| Property Damage | $5,000 | Compulsory |
| Personal Injury Protection (PIP) | $8,000 | No-fault coverage |
| Uninsured Motorist | $20,000/$40,000 | Compulsory |
Exam Tip: Massachusetts auto minimums (20/40/5) are different from most states. Also memorize the $8,000 PIP requirement and the mandatory uninsured motorist coverage.
Safe Driver Insurance Plan (SDIP)
Massachusetts uses SDIP to adjust premiums based on driving record:
- Clean record: Premium discounts
- At-fault accidents: Surcharge points
- Traffic violations: Surcharge points
- Points affect rates: For 6 years
License Application Process
Step-by-Step Process
-
Study and Prepare (No pre-license course required)
- Complete this FREE study guide
- Review national P&C concepts
- Focus on Massachusetts no-fault auto system
- Take practice quizzes for both exams
-
Schedule and Pass BOTH Exams
- Register with Prometric online at prometric.com
- Pay $49 for combined P&C exams
- Schedule Property and Casualty exams (same day or separately)
- Pass EACH exam with 70%+ score
- Receive immediate results
-
Complete Fingerprinting
- Required for all license applicants
- Schedule through approved vendor
- Background check processed by state and FBI
- Cost included in processing
-
Apply for License
- Submit application to Massachusetts Division of Insurance
- Pay $225 license application fee
- Pay $75 lead paint surcharge (required for all P&C producers)
- Total licensing fee: $300
- Provide all required documentation
-
Receive License
- DOI review takes 2-4 weeks
- License issued upon approval
- Valid until your birthdate
- Begin selling P&C insurance in Massachusetts
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Wait 24 hours before retaking |
| Retake Fee | Pay exam fee for failed portion |
| Passed One Exam | Only need to retake failed exam |
| No Limit | Massachusetts has no limit on retake attempts |
Strategy: If you pass one exam but fail the other, you only need to retake the failed exam. Your passing score on the other exam remains valid.
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Combined Exam Fee (Both) | $49 |
| License Application Fee | $225 |
| Lead Paint Surcharge | $75 |
| Fingerprinting | ~$35 |
| TOTAL (Estimated) | $384 |
Note: While exam fees are low, Massachusetts has one of the highest total licensing costs due to the $300 combined license fee ($225 + $75 lead paint surcharge).
Lead Paint Surcharge Explained
Massachusetts requires all P&C producers to pay a $75 lead paint surcharge because:
- P&C producers may sell property insurance
- Massachusetts has strict lead paint liability laws
- The surcharge funds lead paint awareness and remediation programs
- This is unique to Massachusetts
License Maintenance
| Requirement | Details |
|---|---|
| License Term | Until birthdate (varies) |
| Initial CE | 60 hours in first licensing period |
| Renewal CE | 45 hours every 3 years |
| Ethics Hours | Included in total hours |
| Renewal Fee | Varies |
Continuing Education Details
Initial License Period:
- 60 hours of continuing education required
- Must be completed before first renewal
- From Massachusetts-approved CE providers
Subsequent Renewal Periods:
- 45 hours every 3 years
- Reduced from initial 60-hour requirement
- Must maintain active CE compliance
CE Note: Massachusetts has higher CE requirements than most states. Budget time for ongoing education throughout your career.
Massachusetts Division of Insurance Contact
| Resource | Details |
|---|---|
| Website | mass.gov/doi |
| Address | 1000 Washington Street, Suite 810<br/>Boston, MA 02118-6200 |
| Consumer Hotline | (877) 563-4467 |
| Producer Licensing | (617) 521-7794 |
| doilicensing@mass.gov | |
| Prometric Registration | prometric.com |
What This Guide Covers
This FREE study guide focuses on Massachusetts state-specific content for the P&C exam:
Chapter 1: Massachusetts Insurance Regulation & Licensing
- Division of Insurance structure and authority
- Commissioner powers (appointed position)
- Producer licensing requirements and CE
- Prohibited practices and penalties
Chapter 2: Massachusetts Property Insurance Laws
- Homeowners insurance requirements
- Massachusetts FAIR Plan
- Coastal storm and nor'easter coverage
- Lead paint liability considerations
Chapter 3: Massachusetts Casualty Insurance Laws
- No-fault auto insurance system
- Auto insurance minimums (20/40/5)
- Personal Injury Protection (PIP)
- Safe Driver Insurance Plan (SDIP)
- Commonwealth Automobile Reinsurers (CAR)
- Workers' compensation requirements
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling requirements
- Massachusetts Insurers Insolvency Fund
- Producer conduct standards
national Property & Casualty exam prepFree exam prep with practice questions & AI tutor
Study Tips for Success
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 hours (none required) |
| Property exam questions | 100 |
| Casualty exam questions | 100 |
| Exam time limit (each) | 120 minutes (2 hours) |
| Passing score | 70% (each exam) |
| Combined exam fee | $49 |
| License application fee | $225 |
| Lead paint surcharge | $75 |
| Total license fee | $300 |
| Initial CE hours | 60 |
| Renewal CE hours | 45 (every 3 years) |
| Auto minimum liability | 20/40/5 |
| PIP minimum | $8,000 |
Massachusetts-Specific Topics to Master
- No-Fault Auto Insurance System
- Safe Driver Insurance Plan (SDIP)
- 20/40/5 Auto Liability + $8,000 PIP
- Massachusetts FAIR Plan
- Lead Paint Liability and Surcharge
- Commonwealth Automobile Reinsurers (CAR)
- Dual Exam Format (Property + Casualty)
Next Steps
Ready to begin? Here's your action plan:
- Complete this FREE study guide - Read all 4 chapters
- Study national P&C concepts - See our Property & Casualty exam prep
- Take chapter quizzes - Test your knowledge
- Take practice exams - For BOTH Property and Casualty
- Register with Prometric - Pay $49 for combined exams
- Pass Property exam - With 70%+ score
- Pass Casualty exam - With 70%+ score
- Complete fingerprinting - For background check
- Apply for license - Pay $300 total fees
Remember: Massachusetts requires passing TWO separate exams. Plan your study time accordingly and consider taking them on the same day to maintain momentum.
Let's get started with Chapter 1: Massachusetts Insurance Regulation & Licensing!
How many separate exams must you pass to obtain a Massachusetts P&C license?
What is the combined exam fee for both Massachusetts P&C exams?
What is the total license application fee including the lead paint surcharge in Massachusetts?
What are Massachusetts' minimum auto liability insurance limits?
How many hours of continuing education does Massachusetts require for the initial licensing period?
What type of auto insurance system does Massachusetts use?