Key Takeaways
- As of April 2025, Pennsylvania NO LONGER requires pre-licensing education (previously 24 hours required)
- The exam has 150 questions with a 2 hour 50 minute time limit and 70% passing score
- Exam administered by PSI with both in-person and remote proctoring options
- Fingerprinting required AFTER passing exam and applying for license (not before)
- Pennsylvania uses a limited tort vs. full tort auto insurance system
Pennsylvania Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Pennsylvania Property & Casualty Insurance exam prep guide. This comprehensive resource covers Pennsylvania-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Pennsylvania P&C Exam
The Pennsylvania Property & Casualty insurance examination is administered by PSI Services on behalf of the Pennsylvania Insurance Department. Pennsylvania is the fifth-largest state by population and has a significant insurance market.
Major Change: No Pre-Licensing Required (Effective April 2025)
As of April 29, 2025, Pennsylvania eliminated the pre-licensing education requirement. You can now schedule and take the exam without completing any pre-licensing courses.
Important: While education is no longer required, it is highly recommended due to exam difficulty.
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services |
| Regulatory Authority | Pennsylvania Insurance Department |
| Exam Code | 16-06 (Combined P&C) |
| Passing Score | 70% or higher |
| Total Questions | 150 questions |
| Time Limit | 2 hours 50 minutes |
| Test Delivery | In-person or remote proctored |
| Results | Immediate |
Exam Options
Pennsylvania offers separate or combined exams:
| Exam Type | Questions | Time |
|---|---|---|
| Property Only | 75 | ~1.5 hours |
| Casualty Only | 75 | ~1.5 hours |
| Combined P&C (16-06) | 150 | 2h 50m |
Recommendation: Most candidates take the Combined P&C exam for full licensing.
Step-by-Step Licensing Process
Step 1: Study and Prepare
Although no longer required, preparation is essential:
- Complete this FREE study guide
- Review national P&C concepts
- Take practice exams
- Consider optional prep courses
Step 2: Register for the Exam
Register with PSI Services:
- Visit psiexams.com
- Create an account
- Select Pennsylvania Insurance exam (16-06)
- Pay $53 exam fee
- Choose in-person or remote proctored
Step 3: Pass the Exam
On exam day:
- Complete 150 questions in 2 hours 50 minutes
- 70% required to pass (105 of 150)
- Receive immediate results
Step 4: Apply for License
Submit application through NIPR or Sircon:
- Application fee: $55 + $5.60 transaction fee
- Submit immediately after passing
Step 5: Complete Fingerprinting
Important: Schedule fingerprinting AFTER applying:
| Step | Details |
|---|---|
| Provider | IdentoGO |
| Cost | $23.85 |
| Timing | After passing exam and applying |
| Warning | Fingerprints without application are rejected |
Step 6: Receive License
- Pennsylvania Insurance Department review
- Background check processing
- License valid for 2 years
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Exam Fee (PSI) | $53 |
| Fingerprinting (IdentoGO) | $23.85 |
| License Application | $55 + $5.60 |
| TOTAL | ~$137.45 |
Note: Pennsylvania has one of the lowest licensing costs due to no pre-licensing requirement.
Pennsylvania Auto Insurance
Pennsylvania has a unique Tort Choice system:
| Option | Description |
|---|---|
| Limited Tort | Lower premiums; can only sue for serious injuries |
| Full Tort | Higher premiums; unrestricted right to sue |
Minimum Requirements
| Coverage | Minimum |
|---|---|
| Bodily Injury Liability | 15/30 |
| Property Damage | $5,000 |
| Medical Benefits | $5,000 |
| Formula | 15/30/5 |
First Party Benefits
| Coverage | Requirement |
|---|---|
| Medical Benefits | $5,000 minimum |
| Income Loss | $5,000 minimum |
| Funeral Benefits | $2,500 |
| Accidental Death | $25,000 |
Pennsylvania FAIR Plan
The Pennsylvania FAIR Plan provides property insurance for high-risk properties:
| Feature | Details |
|---|---|
| Purpose | Insurer of last resort |
| Coverage | Basic property coverage |
| Eligibility | Properties rejected by private market |
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours (included) |
| Renewal | License renewal cycle |
Contact Information
| Resource | Details |
|---|---|
| PA Insurance Dept | insurance.pa.gov |
| Phone | (717) 787-2317 |
| PSI Exams | psiexams.com |
| IdentoGO | identogo.com |
What This Guide Covers
Chapter 1: Pennsylvania Insurance Regulation
- Insurance Department structure
- Pennsylvania Insurance Law
- Licensing requirements
- Producer responsibilities
Chapter 2: Pennsylvania Property Insurance
- Homeowners requirements
- Pennsylvania FAIR Plan
- Commercial property
- PA-specific provisions
Chapter 3: Pennsylvania Casualty Insurance
- Tort choice system
- Auto minimums (15/30/5)
- Workers' compensation
- Liability insurance
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Pennsylvania Insurance Guaranty Association
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 (not required) |
| Exam questions | 150 |
| Exam time | 2h 50m |
| Passing score | 70% |
| Exam fee | $53 |
| Application fee | $55 + $5.60 |
| Fingerprinting | $23.85 |
| BI liability | 15/30 |
| PD liability | $5,000 |
| Medical benefits | $5,000 |
| CE hours | 24 every 2 years |
Next Steps
- Complete this FREE study guide - PA-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Register with PSI - Schedule exam
- Pass exam - 70%+ score
- Apply for license - NIPR or Sircon
- Complete fingerprinting - After application
- Receive license
Let's get started with Chapter 1: Pennsylvania Insurance Regulation!
As of April 2025, how many hours of pre-licensing education does Pennsylvania require?
What is unique about Pennsylvania's auto insurance system?
When should you schedule fingerprinting for a Pennsylvania insurance license?
What is the minimum property damage liability coverage required in Pennsylvania?
How long is the Pennsylvania P&C exam?