Key Takeaways
- New Hampshire requires NO pre-licensing education for P&C insurance (one of the few states with this policy)
- Exams are administered by Prometric with BOTH remote and in-person options available
- Combined P&C exam is 150 questions (2.5 hours) with 70% passing score required; single-line exams are 100 questions (2 hours) each
- License application fee is $210 + $5.60 NIPR fee - the HIGHEST application fee among U.S. states
- CPCU designees only need to pass the New Hampshire State Law portion of the exam
- New Hampshire auto minimums are 25/50/25 - the state is an At-Fault (tort) system state
New Hampshire Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE New Hampshire Property & Casualty Insurance exam prep guide. This comprehensive resource covers New Hampshire-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the New Hampshire P&C Exam
The New Hampshire Property & Casualty insurance examination is administered by Prometric on behalf of the New Hampshire Insurance Department (NHID). The exam tests your knowledge of:
- New Hampshire insurance law and regulations (RSA Title XXXVII)
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- New Hampshire's unique financial responsibility system
- Ethics and professional conduct
- Consumer protection requirements
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Prometric |
| Regulatory Authority | New Hampshire Insurance Department (NHID) |
| Passing Score | 70% or higher |
| Question Format | Multiple-choice |
| Test Delivery | In-person at Prometric centers OR remote proctored |
| Results | Immediate |
| Registration | prometric.com |
Important: New Hampshire is one of the few states offering BOTH remote proctored and in-person exam options through Prometric. This provides flexibility for candidates across the state.
Exam Options
You can take the New Hampshire P&C exam in different configurations:
| Exam Type | Questions | Time | Exam Fee |
|---|---|---|---|
| Combined P&C | 150 | 2.5 hours | $65 |
| Property Only | 100 | 2 hours | $50 |
| Casualty Only | 100 | 2 hours | $50 |
Recommendation: Most candidates take the Combined P&C exam to obtain a full Property & Casualty license in one sitting ($65 vs. $100 for separate exams).
Prometric Testing Options
In-Person Testing:
- Testing centers in Concord, Manchester, Nashua, and Portsmouth
- Full-service proctored environment
- Arrive 30 minutes early
Remote Proctored Testing:
- Test from home or office
- Requires webcam, microphone, and stable internet
- Private, quiet testing space required
- System check recommended 24 hours before exam
No Pre-Licensing Education Required
New Hampshire does NOT require pre-licensing education for Property & Casualty insurance.
What This Means
| Aspect | Details |
|---|---|
| Required Hours | 0 hours - no requirement |
| Approved Courses | Not required (but recommended) |
| Education Verification | Not needed to schedule exam |
| Timeline | Can schedule exam immediately |
CPCU Designee Fast Track
Chartered Property Casualty Underwriter (CPCU) designees have a streamlined path:
| Component | CPCU Requirement |
|---|---|
| General Knowledge | WAIVED (CPCU designation substitutes) |
| State Law Portion | MUST PASS (NH law questions only) |
| Study Time Needed | 15-20 hours (NH law only) |
| Exam Fee | $50 (state law portion only) |
CPCU Tip: Focus exclusively on New Hampshire state law content. You don't need to study national P&C content, but you must master NH's unique regulations and financial responsibility system.
Why Prep Courses Are Still Recommended
While not required, exam preparation is strongly recommended because:
- Exam Difficulty: The 70% passing score requires solid knowledge
- State-Specific Content: NH insurance laws differ from other states
- Pass Rate Improvement: Prep courses significantly increase first-time pass rates
- Time Efficiency: Structured study is more effective than self-study alone
This FREE study guide provides everything you need to prepare for the New Hampshire-specific content on the exam.
New Hampshire Insurance Market Context
The "Live Free or Die" Difference
New Hampshire stands unique in U.S. insurance regulation:
| Feature | New Hampshire | Most Other States |
|---|---|---|
| Auto Insurance Mandate | NOT required (unique!) | Mandatory minimum coverage |
| Financial Responsibility | Proof required after accident/violation | Insurance required upfront |
| Market Philosophy | Consumer choice emphasis | Mandatory coverage model |
| Pre-License Education | Not required | 20-40+ hours typically required |
What This Means for Producers
New Hampshire's approach creates unique insurance considerations:
-
Higher Uninsured Rate
- More drivers without insurance than most states
- UM/UIM coverage extremely important
- Consumer education is critical
-
Financial Responsibility System
- 25/50/25 proof required after accidents or violations
- Drivers can post bonds or cash deposits as alternative
- SR-22 required for certain violations (DWI, etc.)
-
When Insurance IS Required
- DWI/DUI convictions
- SR-22 situations
- After at-fault accidents without proof of financial responsibility
- Commercial vehicles
-
At-Fault (Tort) System
- At-fault driver's insurance pays for damages
- Modified comparative negligence applies
- Important for liability coverage understanding
New Hampshire Auto Insurance Requirements
When insurance IS required or voluntarily purchased:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage (per accident) | $25,000 |
Memory Tip: New Hampshire minimums are 25/50/25 - same as the financial responsibility proof amounts.
License Application Process
Step-by-Step Process
-
Study and Prepare (Recommended first)
- Complete this FREE study guide
- Review national P&C concepts
- Take practice quizzes
- Focus on NH-specific laws (RSA Title XXXVII)
-
Schedule and Pass the Exam
- Register at prometric.com
- Pay $65 exam fee (combined P&C) or $50 (single line)
- Choose in-person testing center OR remote proctored
- Pass with 70%+ score
-
Apply for License
- Submit application through NIPR (nipr.com)
- Pay $210 application fee + $5.60 NIPR transaction fee
- Provide all required documentation
- Complete background check authorization
-
Receive License
- NHID review includes background check
- Processing time: 2-4 weeks typical
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in New Hampshire
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Must wait 24 hours before retaking |
| Wait Period | 24 hours between attempts |
| Fee | Full exam fee per attempt ($65 or $50) |
| Attempts | Unlimited |
| Score Report | Shows performance by content area |
Note: The 24-hour wait between retakes allows time for additional study and prevents repeated test-taking without preparation.
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Exam Prep Course (Optional) | $0-300 |
| Exam Fee (Combined P&C) | $65 |
| License Application Fee | $210 |
| NIPR Transaction Fee | $5.60 |
| TOTAL (Minimum) | $280.60 |
Important: New Hampshire has the HIGHEST license application fee ($210) among U.S. states. Budget accordingly when planning your licensing costs.
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Renewal Fee | $210 |
| Late Renewal | Additional penalty fees apply |
Continuing Education Requirements
New Hampshire P&C producers must complete:
- 24 total CE hours every 2-year licensing period
- 3 hours of ethics included in the 24 hours
- Must be completed BEFORE license expiration
- CE credits from approved providers only
New Hampshire Department of Insurance Contact
| Resource | Details |
|---|---|
| Website | insurance.nh.gov |
| Consumer Hotline | 1-800-852-3416 (toll-free) |
| Main Phone | (603) 271-2261 |
| Address | 21 South Fruit Street, Suite 14, Concord, NH 03301 |
| consumerservices@ins.nh.gov | |
| Prometric Registration | prometric.com |
What This Guide Covers
This FREE study guide focuses on New Hampshire state-specific content for the P&C exam:
Chapter 1: New Hampshire Insurance Regulation & Licensing
- NH Insurance Department structure and authority
- Producer licensing requirements and procedures
- RSA Title XXXVII overview
- Continuing education requirements
Chapter 2: New Hampshire Property Insurance Laws
- Homeowners insurance requirements
- Commercial property coverage standards
- State insurance requirements and disclosures
- Claims handling requirements
Chapter 3: New Hampshire Casualty Insurance Laws
- Financial responsibility system (25/50/25)
- When auto insurance IS required in NH
- UM/UIM coverage requirements
- Workers' compensation regulations
- Liability insurance principles
Chapter 4: Ethics & Consumer Protection
- Prohibited practices (rebating, twisting, misrepresentation)
- Claims handling time requirements
- NH Insurance Guaranty Association
- 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 (not required) |
| Combined exam questions | 150 |
| Single-line exam questions | 100 |
| Combined exam time limit | 2.5 hours |
| Single-line exam time limit | 2 hours |
| Passing score | 70% |
| Exam fee (combined) | $65 |
| Exam fee (single line) | $50 |
| License application fee | $210 + $5.60 |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Auto minimums (when required) | 25/50/25 |
| Retake wait period | 24 hours |
New Hampshire-Specific Topics to Know
- Financial Responsibility System - Proof after accidents, not mandatory insurance upfront
- 25/50/25 - Financial responsibility amounts (same as auto minimums when required)
- CPCU Waiver - Designees only need state law exam
- Prometric - Testing provider with remote AND in-person options
- $210 Application Fee - Highest in the nation
- 24-Hour Retake Wait - Waiting period between exam attempts
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
- Register with Prometric - Schedule your exam
- Pass exam - With 70%+ score
- Apply for license via NIPR - Pay $210 + $5.60 fee
Remember: No pre-licensing is required in New Hampshire, but thorough preparation is essential. Use this guide and practice quizzes to ensure success on exam day!
Let's get started with Chapter 1: New Hampshire Insurance Regulation & Licensing!
As of 2026, how many hours of pre-licensing education does New Hampshire require before taking the Property & Casualty exam?
Which testing provider administers New Hampshire insurance licensing exams in 2026?
What is the license application fee for a New Hampshire P&C license?
How long must you wait between exam retake attempts in New Hampshire?
What special provision exists for CPCU designees taking the New Hampshire P&C exam?
What are the auto liability minimum limits in New Hampshire when insurance IS required?