Key Takeaways
- Utah has NO pre-licensing education requirement - making it one of the most accessible states for entering insurance
- The exam is administered by Prometric with Single-line (80 questions, 2 hours) or Combined P&C (150 questions, 2.5 hours) options - 70% passing score required
- Both remote proctored AND in-person testing available through Prometric - maximum flexibility
- Fingerprinting costs $28.25 (FBI/BCI) + $6 processing and is done at the testing center AFTER passing the exam
- Utah auto insurance minimums are 25/65/15 - the $65,000 per-accident bodily injury limit is uniquely high among states
- CE requires 24 hours every 2 years including 3 ethics hours, with 12 hours required to be classroom or equivalent instruction
Utah Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Utah Property & Casualty Insurance exam prep guide. This comprehensive resource covers Utah-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Utah P&C Exam
The Utah Property & Casualty insurance examination is administered by Prometric on behalf of the Utah Insurance Department. The exam tests your knowledge of:
- Utah Insurance Code (Title 31A)
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- Utah's unique auto insurance requirements (25/65/15)
- Ethics and professional conduct
- Utah-specific consumer protections
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Prometric |
| Regulatory Authority | Utah Insurance Department |
| Passing Score | 70% or higher |
| Question Format | Multiple-choice questions |
| Test Delivery | In-person at testing centers OR remote proctored |
| Results | Immediate |
| Exam Fee | $44 |
| Registration | prometric.com |
Important: Utah offers BOTH in-person and remote proctored testing through Prometric. Remote testing provides flexibility but requires a quiet, private space with webcam monitoring. This is one of the most flexible testing arrangements in the nation.
Exam Options
You can take the Utah P&C exam in different configurations:
| Exam Type | Questions | Time | What It Covers |
|---|---|---|---|
| Property Only | 80 | 2 hours | Homeowners, fire, commercial property |
| Casualty Only | 80 | 2 hours | Auto, liability, workers' comp |
| Combined P&C | 150 | 2.5 hours | Both property and casualty |
Recommendation: Most candidates take the Combined P&C exam to obtain a full Property & Casualty license in one sitting. At $44 per exam, this is cost-effective compared to taking separate exams.
No Pre-Licensing Education Required
Utah is one of the most accessible states for entering the insurance profession because it has NO mandatory pre-licensing education requirement.
What This Means For You
| What Utah Does NOT Require | What This Means |
|---|---|
| No classroom hours | Study on your own schedule |
| No online course requirement | No mandatory course fees |
| No certificates needed | Can schedule exam immediately |
| No approved provider list | Use any study materials |
| No sponsorship required | No agency affiliation needed |
Why It's Still Important to Study
- The 70% passing score is still required
- 150 questions on combined exam require comprehensive knowledge
- Utah-specific content includes unique auto minimums (25/65/15)
- Thorough preparation saves money on retakes
- First-time pass rates are higher with proper study
Exam Tip: While no pre-licensing is required, plan to spend 50-70 hours studying. Many candidates underestimate the exam and fail on their first attempt.
Fingerprinting Process (At Testing Center)
Utah has a convenient fingerprinting process that happens at the testing center AFTER you pass the exam.
Fingerprinting Details
| Requirement | Details |
|---|---|
| When | At testing center after passing exam |
| FBI/BCI Fee | $28.25 |
| Processing Fee | $6.00 |
| Total Fingerprint Cost | $34.25 |
| Results Sent To | FBI and Utah BCI |
| Processing Time | Typically 5-10 business days |
How It Works
- Take and pass your Prometric exam
- Immediately after passing, complete fingerprinting at the testing center
- Pay $28.25 + $6 processing fee
- Results sent to FBI and Utah Bureau of Criminal Identification (BCI)
- Results forwarded to Utah Insurance Department
- Apply for license after fingerprints processed
Convenience Note: Utah's process of fingerprinting at the testing center right after your exam is one of the most convenient in the nation. No separate appointment needed!
Utah Insurance Market Context
Why Utah Is Unique
Utah's insurance market has distinctive characteristics:
-
Geographic Considerations
- Earthquake Risk: Utah sits on the Wasatch Fault
- Wildfire Risk: Increasing concern in mountain areas
- Weather: Severe winter storms, flash floods
- Growing Population: One of fastest-growing states
-
Regulatory Approach
- File-and-use rate regulation
- Commissioner appointed by Governor
- Consumer-focused enforcement
- Utah Insurance Department oversight
-
Auto Insurance Requirements
- Minimum liability: 25/65/15 (unique middle number!)
- At-Fault state (tort system)
- No mandatory PIP
- Financial responsibility laws
-
Continuing Education
- 24 hours every 2 years
- 3 ethics hours required
- 12 hours must be classroom or equivalent
- NFIP flood course required for first renewal
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 Utah's unique 25/65/15 auto minimums
-
Schedule and Pass the Exam
- Register with Prometric online at prometric.com
- Pay $44 exam fee
- Choose in-person testing center OR remote proctored
- Pass with 70%+ score
- Receive immediate results
-
Complete Fingerprinting (At Testing Center)
- Done immediately after passing exam
- At the Prometric testing center
- Pay $28.25 FBI/BCI + $6 processing = $34.25
- Results sent to FBI and Utah BCI
- Processing takes 5-10 business days
-
Apply for License
- Submit application through NIPR or Sircon
- Pay $75 license fee + $5.60 transaction fee = $80.60
- Provide all required documentation
- Wait for background check to clear
-
Receive License
- Utah Insurance Department reviews application
- Background check processed
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in Utah
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Can retake after waiting period |
| Wait Period | Typically 24-48 hours |
| Fee | $44 per attempt |
| Attempts | Unlimited |
Total Costs Summary
| Item | Cost |
|---|---|
| Exam Prep Course (Optional) | $0-300 |
| Exam Fee (Prometric) | $44 |
| Fingerprinting (FBI/BCI + Processing) | $34.25 |
| License Application Fee | $75 + $5.60 |
| TOTAL (Minimum) | ~$160 |
| TOTAL (With optional study materials) | ~$347.85+ |
Note: Utah has one of the lowest total licensing costs in the nation due to no pre-licensing requirement and the convenient fingerprinting process at the testing center.
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Classroom Requirement | 12 hours must be classroom or equivalent |
| NFIP Flood Course | Required for first renewal |
| Renewal Fee | Varies (check Utah Insurance Dept) |
| Late Renewal | Additional penalty fees apply |
Special CE Requirements
Utah has unique continuing education requirements:
1. Classroom/Equivalent Requirement
- 12 of the 24 CE hours must be classroom or equivalent instruction
- Online courses count if they meet equivalency standards
- Self-study alone is NOT sufficient for all 24 hours
2. NFIP Flood Course (First Renewal)
- Required for your first license renewal
- Covers National Flood Insurance Program
- Important due to Utah's flash flood risks
- Must be completed before first renewal
Utah Auto Insurance Requirements
Minimum Liability Limits
Utah requires the following minimum auto liability coverage:
| Coverage | Minimum |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $65,000 |
| Property Damage (per accident) | $15,000 |
Memory Tip: Utah minimums are 25/65/15 - the $65,000 per-accident bodily injury limit is UNIQUE among states. Most states use $50,000. Remember "Utah = Uniquely 65!"
Why Utah's 65 Is Important
- Most states have $50,000 per-accident bodily injury
- Utah's $65,000 provides more protection
- This is a frequently tested topic on the Utah exam
- Know the specific numbers: 25/65/15
Key Utah Auto Insurance Laws
1. At-Fault (Tort) State
- Utah follows the traditional tort system
- The at-fault driver's insurance pays for damages
- Injured parties can sue at-fault drivers
- No personal injury protection (PIP) requirement
2. Financial Responsibility Law
- All drivers must maintain minimum liability coverage
- Proof of insurance required for vehicle registration
- Failure to maintain coverage results in penalties
- SR-22 may be required after certain violations
3. Uninsured/Underinsured Motorist Coverage
- UM/UIM coverage is available
- Not mandatory but recommended
- Protects against uninsured and underinsured drivers
Utah Insurance Department Contact
| Resource | Details |
|---|---|
| Website | insurance.utah.gov |
| Phone | (801) 538-3800 |
| Address | 4315 South 2700 West, Suite 2300, Taylorsville, UT 84129 |
| Producer Licensing | Sircon or NIPR |
| Prometric | prometric.com |
What This Guide Covers
This FREE study guide focuses on Utah state-specific content for the P&C exam:
Chapter 1: Utah Insurance Regulation & Licensing
- Utah Insurance Department structure
- Commissioner (appointed by Governor)
- Producer licensing requirements and CE
- Utah Code Title 31A overview
- File-and-use rate regulation
Chapter 2: Utah Property Insurance Laws
- Homeowners insurance requirements
- Earthquake risk and coverage
- Wildfire considerations
- Commercial property regulations
- Claims handling requirements
Chapter 3: Utah Casualty Insurance Laws
- Auto insurance minimums (25/65/15)
- At-Fault state rules
- Workers' compensation requirements
- Liability insurance regulations
- Financial responsibility laws
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling requirements
- Utah 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) |
| Exam questions (combined) | 150 |
| Exam time limit (combined) | 2.5 hours |
| Passing score | 70% |
| Exam fee | $44 |
| Fingerprint fee | $34.25 ($28.25 + $6) |
| License application fee | $75 + $5.60 |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Classroom CE required | 12 hours |
| Auto minimum liability | 25/65/15 |
Utah-Specific Topics to Master
- Unique Auto Minimums - 25/65/15 (65 is unique!)
- No Pre-Licensing - Schedule exam immediately
- Fingerprinting at Testing Center - Done after passing
- Remote Proctoring Available - Prometric offers both options
- NFIP Course Required - For first renewal
- 12 Hours Classroom CE - Not all CE can be self-study
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 ($44)
- Choose testing format - In-person or remote proctored
- Pass exam - With 70%+ score
- Complete fingerprinting - At testing center ($34.25)
- Apply for license - Via NIPR or Sircon ($80.60)
Remember: Utah's 25/65/15 auto minimum is unique - the $65,000 per-accident bodily injury is higher than most states. This will definitely be on your exam!
Let's get started with Chapter 1: Utah Insurance Regulation & Licensing!
How many hours of pre-licensing education does Utah require for a Property & Casualty license?
What is Utah's minimum auto liability insurance requirement?
When and where does fingerprinting occur in the Utah licensing process?
What testing options does Utah offer through Prometric?
What special course is required for Utah P&C producers at their first license renewal?
How many of Utah's 24 CE hours must be classroom or equivalent instruction?