Key Takeaways
- Ohio requires 40 hours of pre-licensing education (20 hours per line: Property and Casualty)
- The combined exam has 150 questions with a 2.5-hour time limit and 70% passing score
- Education certificates valid for only 180 days - must pass exam within this window
- Exam administered by PSI with both in-person and remote proctoring options
- Ohio requires fingerprinting with results valid for 1 year
Ohio Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Ohio Property & Casualty Insurance exam prep guide. This comprehensive resource covers Ohio-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Ohio P&C Exam
The Ohio Property & Casualty insurance examination is administered by PSI Services on behalf of the Ohio Department of Insurance (ODI). Ohio is the seventh-largest state with a diverse insurance market.
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services |
| Regulatory Authority | Ohio Department of Insurance (ODI) |
| Exam Series | 11-36 (Combined P&C) |
| Passing Score | 70% or higher |
| Total Questions | 150 questions |
| Time Limit | 2 hours 30 minutes |
| Test Delivery | In-person or remote (PSI Bridge) |
| Results | Immediate |
Pre-Licensing Education Requirements
Ohio requires separate education for each line:
| Line | Hours Required |
|---|---|
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| TOTAL for P&C | 40 hours |
Important: 180-Day Certificate Validity
| Requirement | Details |
|---|---|
| Certificate Validity | 180 calendar days |
| Starting Point | Date of issuance |
| If Expired | Must retake pre-licensing course |
Warning: You must pass your exam within 180 days of completing pre-licensing education, or you'll need to retake the course.
Step-by-Step Licensing Process
Step 1: Complete Pre-Licensing Education
Complete 40 hours of ODI-approved education:
- 20 hours for Property Insurance
- 20 hours for Casualty Insurance
- Certificate valid for 180 days only
Step 2: Register for the Exam
Register with PSI Services:
- Visit psiexams.com
- Create an account
- Select Ohio P&C exam (Series 11-36)
- Pay $42 exam fee
- Choose in-person or remote proctored
Step 3: Pass the Exam
On exam day:
- Complete 150 questions in 2.5 hours
- 70% required to pass
- Receive immediate results
Step 4: Complete Fingerprinting
Required for all applicants per Ohio Revised Code 3905.051:
| Step | Details |
|---|---|
| Provider | Ohio BCI & FBI |
| Portal | Ohio Attorney General Webcheck |
| Cost | $72.25 |
| Validity | Results valid for 1 year |
Step 5: Apply for License
Apply through NIPR:
- Application fee: $20 + $5.60 transaction fee
- Submit within 12 months of passing exam
- Provide fingerprint results
Step 6: Receive License
- ODI review process
- License valid for 2 years
- Begin selling P&C insurance in Ohio
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education (40 hrs) | $139-300 |
| Exam Fee (PSI) | $42 |
| Fingerprinting (BCI/FBI) | $72.25 |
| License Application | $20 + $5.60 |
| TOTAL | ~$279-440 |
Ohio Auto Insurance
Ohio 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: Ohio is a fault-based (tort) state, not No-Fault.
Exam Content
The Ohio P&C exam covers 10 sections:
| Section | Content |
|---|---|
| 1 | Insurance regulations |
| 2 | General insurance concepts |
| 3 | Property & Casualty basics |
| 4 | Homeowners policies |
| 5 | Dwelling policies |
| 6 | Auto insurance |
| 7 | Commercial property |
| 8 | Commercial liability |
| 9 | Workers' compensation |
| 10 | Other coverages |
Fingerprinting Details
Ohio Revised Code 3905.051 requires:
- Fingerprints for resident license applicants
- BCI (Bureau of Criminal Investigation) check
- FBI federal background check
- Results valid for 1 year
- Can use same results for multiple license types
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours (included) |
| Provider | ODI-approved |
Contact Information
| Resource | Details |
|---|---|
| ODI Website | insurance.ohio.gov |
| ODI Phone | (614) 644-2658 |
| PSI Exams | psiexams.com |
| Webcheck Portal | ohioattorneygeneral.gov |
What This Guide Covers
Chapter 1: Ohio Insurance Regulation
- ODI structure and authority
- Ohio Insurance Code
- Licensing requirements
- Producer responsibilities
Chapter 2: Ohio Property Insurance
- Homeowners requirements
- Ohio FAIR Plan
- Commercial property
- State-specific provisions
Chapter 3: Ohio Casualty Insurance
- Auto minimums (25/50/25)
- Workers' compensation
- Liability insurance
- Commercial lines
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Ohio Insurance Guaranty Association
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 40 hours |
| Property hours | 20 hours |
| Casualty hours | 20 hours |
| Certificate validity | 180 days |
| Exam questions | 150 |
| Exam time | 2.5 hours |
| Passing score | 70% |
| Exam fee | $42 |
| Application fee | $20 + $5.60 |
| Fingerprinting | $72.25 |
| Fingerprint validity | 1 year |
| BI liability | 25/50 |
| PD liability | $25,000 |
| CE hours | 24 every 2 years |
Next Steps
- Enroll in 40-hour course - ODI-approved provider
- Complete this FREE study guide - OH-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Schedule exam - Within 180 days!
- Pass exam - 70%+ score
- Complete fingerprinting - BCI & FBI
- Apply for license - NIPR
Let's get started with Chapter 1: Ohio Insurance Regulation!
How many hours of pre-licensing education does Ohio require for a P&C license?
How long is your Ohio pre-licensing education certificate valid?
How long are Ohio fingerprint/background check results valid?
What are the minimum auto liability limits in Ohio?
What is the exam fee for the Ohio P&C exam through PSI?