Missouri Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Missouri Property & Casualty Insurance exam prep guide. This comprehensive resource covers Missouri-specific regulations, licensing requirements, DCI rules, and state insurance laws you need to know to pass your exam in 2026.

About the Missouri P&C Exam

The Missouri Property & Casualty insurance examination is administered by Pearson VUE on behalf of the Missouri Department of Commerce and Insurance (DCI). The exam tests your knowledge of:

• Missouri Insurance Code (RSMo Chapters 375-379)
• Property insurance principles (homeowners, fire, commercial property)
• Casualty insurance principles (auto, liability, workers' compensation)
• Missouri FAIR Plan
• Severe weather and tornado coverage
• Ethics and professional conduct

Exam Structure

Critical: As of 2025, Missouri insurance exams can ONLY be taken at physical Pearson VUE testing centers. Online/remote proctored exams are no longer available.

Unique Missouri Scoring System

Missouri uses a split scoring system that's different from most states:

Key Points:

• Scores are NOT averaged - you must pass EACH section at 70%
• Pretest questions (20 national, 10 state) do NOT count toward your score
• If you pass one section but fail the other, you can retake only the failed section
• Partial retake must be completed within 90 days of original exam

Exam Tip: This partial retake policy is a significant advantage! If you pass the national section but fail state, you only need to retake the state portion. Focus heavily on your weaker area.

Exam Fee Options

Major Advantage: No Pre-Licensing Education Required

Missouri has NO pre-licensing education requirement for Property & Casualty insurance.

What This Means for You

The Reality

While Missouri doesn't mandate education hours, the exam is comprehensive:

• 170 questions covering national AND state content
• Must pass BOTH sections at 70%
• State section tests Missouri-specific laws
• Most successful candidates study 40-80 hours

Exam Tip: Don't let the lack of requirement fool you. The Missouri exam is challenging, especially with the dual passing requirement. Invest in thorough preparation using this FREE guide and practice questions.

Missouri Insurance Market Context

Why Missouri Is Unique

Missouri has a distinctive insurance market shaped by its geography and economy:

1. Severe Weather Capital

   • Tornado Alley: Missouri experiences significant tornado activity
   • Severe Thunderstorms: Large hail and damaging winds common
   • Flash Flooding: Missouri and Mississippi River basins
   • Ice Storms: Major winter weather risk
   • Wind and hail deductibles common in homeowners policies

2. Agricultural Economy

   • Substantial farm and crop insurance needs
   • Livestock and agricultural equipment coverage
   • Rural property exposures
   • Farm liability and commercial agriculture

3. Regulatory Approach

   • Missouri Department of Commerce and Insurance oversight
   • Director of Insurance (appointed position)
   • File-and-use rate regulation
   • Strong consumer protection laws

4. Auto Insurance Requirements

   • Minimum liability: 25/50/25
   • Mandatory UM coverage: 25/50
   • Mandatory UIM coverage: 25/50
   • Financial responsibility law
   • MAIVS (Missouri Automobile Insurance Verification System)

Missouri Auto Insurance Requirements

Memory Tip: Missouri minimums are 25/50/25 - easy to remember because all numbers are multiples of 25! Plus mandatory UM/UIM at 25/50.

License Application Process

Step-by-Step Process

1. Study and Prepare (Recommended first)

   • Complete this FREE study guide
   • Review national P&C concepts
   • Focus on Missouri-specific laws (RSMo 375-379)
   • Take practice quizzes until scoring 80%+
   • No pre-licensing course required

2. Schedule and Pass the Exam

   • Register with Pearson VUE at pearsonvue.com/mo/insurance
   • Pay $49 exam fee for combined P&C
   • Choose a Pearson VUE testing center (in-person only)
   • Pass with 70%+ on BOTH sections

3. Apply for License

   • Submit application through NIPR within 12 months of passing
   • Pay $100 license fee + $5.60 transaction fee
   • Provide all required documentation
   • Complete background check/fingerprinting

4. Receive License

   • DCI reviews application and background check
   • License issued upon approval
   • Valid for 2 years (renews on your birth date)
   • Begin selling P&C insurance in Missouri

Pearson VUE Testing Locations in Missouri

Exam Day Requirements

What to Bring:

• Valid government-issued photo ID (driver's license or passport)
• Second form of ID
• Pearson VUE confirmation number

What NOT to Bring:

• Cell phones or electronic devices
• Study materials or notes
• Watches or smart devices
• Food, drinks, or gum (lockers provided)

Exam Retake Policy

Strategic Tip: If you're strong in national content, you can focus more study time on Missouri-specific material, knowing that even if you fail state, you won't need to retake the national section.

Total Costs Summary

Note: Missouri has one of the lower total licensing costs due to no pre-licensing requirement and reasonable exam fees.

License Maintenance

Continuing Education Requirements

Missouri P&C producers must complete:

• 16 total CE hours every 2-year licensing period
• 3 hours of ethics included in the 16 hours
• CE must be completed through DCI-approved providers
• License renews on your birth date every 2 years

Missouri FAIR Plan

Missouri operates a FAIR Plan for property owners who cannot obtain coverage in the standard market:

Missouri Department of Commerce and Insurance Contact

What This Guide Covers

This FREE study guide focuses on Missouri state-specific content for the P&C exam:

Chapter 1: Missouri Insurance Regulation & Licensing

• Missouri Department of Commerce and Insurance structure
• Director of Insurance powers (appointed position)
• Producer licensing requirements and CE
• RSMo Chapters 375-379

Chapter 2: Missouri Property Insurance Laws

• Homeowners insurance requirements
• Missouri FAIR Plan
• Severe weather and tornado coverage
• Wind/hail deductibles
• Flood insurance considerations

Chapter 3: Missouri Casualty Insurance Laws

• Auto insurance minimums (25/50/25)
• Mandatory UM/UIM coverage requirements
• MAIVS (Insurance Verification System)
• Workers' compensation requirements
• Liability insurance regulations

Chapter 4: Ethics & Consumer Protection

• Unfair trade practices (RSMo 375.930-375.948)
• Claims handling requirements
• Missouri Insurance Guaranty Association (MIGA)
• Producer conduct standards

national Property & Casualty exam prepFree exam prep with practice questions & AI tutor

Study Tips for Success

Key Numbers to Memorize

Missouri-Specific Laws to Know

1. 25/50/25 Auto Minimums - Plus mandatory UM/UIM at 25/50
2. Missouri FAIR Plan - For hard-to-insure properties
3. MAIVS - Insurance verification system
4. RSMo 375-379 - Core insurance statutes
5. Split Scoring - Separate passing scores for national/state
6. Partial Retake - Can retake only failed section within 90 days

Next Steps

Ready to begin? Here's your action plan:

1. Study this FREE guide - Read all 4 chapters
2. Study national P&C concepts - See our Property & Casualty exam prep
3. Take chapter quizzes - Test your knowledge
4. Master Missouri content - Focus on state-specific material
5. Register with Pearson VUE - Schedule your exam
6. Pass both sections - With 70%+ scores each
7. Apply for license - Pay $100 + $5.60 fee

Remember: No pre-licensing is required in Missouri, but thorough preparation is essential. The dual passing requirement (70% on both sections) makes this exam challenging. Use this guide and practice quizzes to ensure success!

Let's get started with Chapter 1: Missouri Insurance Regulation & Licensing!