Key Takeaways
- Virginia does NOT require pre-licensing education (study is recommended)
- Property and Casualty is ONE combined line of authority in Virginia
- Exam administered by Prometric with 70% passing score required
- After 3 failed attempts, must wait 30 calendar days before retaking
- License application must be submitted within 183 days of passing exam
Virginia Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Virginia Property & Casualty Insurance exam prep guide. This comprehensive resource covers Virginia-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Virginia P&C Exam
The Virginia Property & Casualty insurance examination is administered by Prometric on behalf of the Virginia State Corporation Commission (SCC) Bureau of Insurance. Virginia is the 12th-largest state with a significant insurance market.
Key Advantage: No Pre-Licensing Education Required
Virginia does NOT require pre-licensing education. You can schedule and take the exam immediately. However, study is highly recommended due to exam difficulty.
Combined Line of Authority
Unlike many states, Virginia treats Property and Casualty as ONE combined line:
- Single exam covers both Property and Casualty
- One application for P&C license
- Application fee of $30 ($15 per line)
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Prometric |
| Regulatory Authority | Virginia SCC Bureau of Insurance |
| Passing Score | 70% or higher |
| Question Format | Four-option multiple-choice |
| Test Delivery | In-person at Prometric centers |
| Results | Immediate |
| Exam Fee | $35 |
Retake Policy
Virginia has specific retake rules:
| Attempt | Wait Time |
|---|---|
| 1st-3rd failure | 24 hours before rescheduling |
| After 3rd failure | 30 calendar days |
Step-by-Step Licensing Process
Step 1: Study and Prepare
Although no pre-licensing is required, preparation is essential:
- Complete this FREE study guide
- Review national P&C concepts
- Take practice exams
- Highly recommended due to exam difficulty
Step 2: Register for the Exam
Register with Prometric:
- Call 1-866-891-6396 or visit prometric.com
- Create an account
- Select Virginia P&C exam
- Pay $35 exam fee
- Choose testing center
Step 3: Pass the Exam
On exam day:
- Four-option multiple-choice format
- 70% required to pass
- Receive immediate results
Step 4: Complete Fingerprinting
Schedule through Fieldprint Virginia:
| Step | Details |
|---|---|
| Provider | Fieldprint Virginia |
| Cost | $35.72 |
| Purpose | Criminal background check |
Step 5: Apply for License
Apply through NIPR or Sircon:
- Application fee: $30 ($15 per line for P&C)
- Transaction fee: $5.60
- Must submit within 183 days of passing exam
Step 6: Receive License
- SCC reviews application
- Background check completed
- License valid for 2 years
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0-139 (optional but recommended) |
| Exam Fee (Prometric) | $35 |
| Fingerprinting (Fieldprint) | $35.72 |
| License Application | $30 + $5.60 |
| TOTAL | ~$106-245 |
Note: Virginia has one of the lowest licensing costs because no pre-licensing education is required.
Virginia Auto Insurance
Virginia has unique auto insurance requirements:
| Coverage | Requirement |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $20,000 |
| Formula | 30/60/20 |
| Alternative | $500 Uninsured Motor Vehicle Fee |
Uninsured Motor Vehicle Fee
Virginia is one of the few states allowing drivers to pay an Uninsured Motor Vehicle (UMV) fee instead of purchasing insurance:
- Fee: $500 annually
- Does NOT provide any coverage
- Driver is personally liable for all damages
- Not recommended, but legal in Virginia
Important Deadlines
| Deadline | Timeframe |
|---|---|
| Application after exam | 183 calendar days |
| Retake after 3 failures | 30 calendar days |
| Retake after 1-2 failures | 24 hours |
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours (included) |
| Renewal | By license expiration date |
Contact Information
| Resource | Details |
|---|---|
| Virginia SCC | scc.virginia.gov |
| Phone | (804) 371-9631 or (800) 552-7945 (in VA) |
| Address | 1300 E Main St, Richmond, VA 23219 |
| Prometric | 1-866-891-6396 |
What This Guide Covers
Chapter 1: Virginia Insurance Regulation
- SCC Bureau of Insurance structure
- Virginia Insurance Code
- Licensing requirements
- Producer responsibilities
Chapter 2: Virginia Property Insurance
- Homeowners requirements
- Virginia Property Insurance Association
- Commercial property
- State-specific provisions
Chapter 3: Virginia Casualty Insurance
- Auto requirements (30/60/20)
- UMV fee alternative
- Workers' compensation
- Liability insurance
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Virginia Life, Accident & Sickness Insurance Guaranty Association
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 (not required) |
| Passing score | 70% |
| Exam fee | $35 |
| Fingerprinting | $35.72 |
| Application fee | $30 + $5.60 |
| Application deadline | 183 days |
| Retake wait (after 3) | 30 days |
| BI liability | 30/60 |
| PD liability | $20,000 |
| UMV fee | $500 |
| CE hours | 24 every 2 years |
Next Steps
- Complete this FREE study guide - VA-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Take practice quizzes - Test your knowledge
- Register with Prometric - Schedule exam
- Pass exam - 70%+ score
- Complete fingerprinting - Fieldprint Virginia
- Apply for license - Within 183 days!
Let's get started with Chapter 1: Virginia Insurance Regulation!
Does Virginia require pre-licensing education for the P&C exam?
How long do you have to apply for your Virginia license after passing the exam?
What is unique about Virginia's auto insurance requirements?
What are the minimum auto liability limits in Virginia?
After failing the Virginia exam 3 times, how long must you wait to retake it?