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388+ Free CO Property & Casualty Practice Questions

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2026 Statistics

Key Facts: CO Property & Casualty Exam

75 + 81

Scored Questions (Property + Casualty)

Pearson VUE CO Insurance Licensing Candidate Handbook (Apr 2026)

120 min

Time Per Exam (240 min if both)

Pearson VUE CO handbook

70%

Passing Score (each exam)

Pearson VUE CO handbook

$41

Both Exams, Test Center ($31 each OnVUE)

Pearson VUE CO handbook fee table

25/50/15

CO Auto Minimums

Colorado financial responsibility law

24 hrs

CE Per Continuation Period

CO producer CE requirement

Colorado runs Property and Casualty as two separate Pearson VUE exams: Property has 75 scored questions and Casualty has 81 scored questions (156 scored combined), each timed at 120 minutes (240 minutes if taken back-to-back) and each requiring a 70% pass, scored independently. Colorado-specific law is heavily tested, including producer licensing, CE, 25/50/15 auto limits, 50% comparative negligence, UM/UIM offer rules, and guaranty association basics. A single test-center session covers both exams for $41; OnVUE online proctoring is $31 per exam.

Sample CO Property & Casualty Practice Questions

Try these sample questions to test your CO Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 388+ question experience with AI tutoring.

1Colorado's Division of Insurance is part of which state department?
A.Department of Revenue (DOR)
B.Department of Regulatory Agencies (DORA)
C.Department of Public Safety (DPS)
D.Department of State (DOS)
Explanation: Colorado's Division of Insurance operates within the Department of Regulatory Agencies (DORA). This structure places insurance regulation under the state's broader professional and business oversight framework. Producers should know DORA is the parent department when handling licensing and compliance issues.
2How is the Colorado Insurance Commissioner selected?
A.Elected by statewide popular vote
B.Appointed by the legislature
C.Appointed by the Governor with Senate consent
D.Chosen by insurance company executives
Explanation: In Colorado, the Insurance Commissioner is appointed by the Governor and confirmed by the Senate. That differs from states where the commissioner is elected. The appointment model is important for exam comparisons across jurisdictions.
3According to the Pearson VUE Colorado content outlines, how many total questions are on the Colorado Property Insurance examination?
A.75
B.85
C.91
D.113
Explanation: The Colorado Property Insurance examination consists of 85 total questions (75 scored plus 10 unscored pretest questions). Candidates should pace for a focused single-line exam rather than a long combined test. Knowing the exact exam format helps with pacing strategy.
4What is the time limit for each Colorado Property or Casualty insurance licensing examination?
A.90 minutes
B.2 hours
C.3 hours
D.4 hours
Explanation: Each Colorado insurance licensing examination (Property, Casualty, Life, Accident & Health) allows a 2-hour time limit. Because Property and Casualty are separate exams, a candidate testing both lines in one session should plan for two 2-hour blocks. Time management and flagging difficult items for review remain important.
5What passing score is required on Colorado's Property and Casualty insurance licensing examinations?
A.60%
B.65%
C.70%
D.75%
Explanation: A 70% passing score is required on each Colorado insurance licensing examination, including the separate Property and Casualty exams. Candidates should plan for a margin above 70% rather than aiming right at the threshold. Consistent performance across all tested domains is usually safer than over-focusing on one topic area.
6Per the Pearson VUE Colorado candidate handbook, what is the current examination fee for taking a producer licensing exam at a test center?
A.$31
B.$37
C.$41
D.$45
Explanation: The Pearson VUE Colorado candidate handbook lists the test-center licensing examination fee at $41. Candidates should verify the current fee when scheduling, because fees are non-transferable and non-refundable and must be paid at the time of reservation.
7How many hours of prelicensing education does Colorado require per line of authority for a producer candidate?
A.20 hours per line
B.40 hours per line
C.50 hours per line
D.80 hours per line
Explanation: Colorado requires 50 hours of approved prelicensing education per line of authority (Property, Casualty, Life, Accident & Health, and Personal Lines each require 50 hours). This is a fixed prerequisite before sitting for the corresponding licensing exam. Candidates should complete approved coursework and keep completion records.
8A Colorado candidate wants to be licensed for BOTH Property and Casualty. How many total prelicensing education hours must be completed?
A.50 hours total, shared across both lines
B.100 hours total (50 hours for Property plus 50 hours for Casualty)
C.75 hours total, with Casualty folded into Property
D.No prelicensing is required when seeking two lines at once
Explanation: Because Colorado imposes a 50-hour prelicensing requirement for each line of authority, a candidate seeking both Property and Casualty must complete 50 hours for Property AND 50 hours for Casualty, for 100 hours total. The two lines are examined and credentialed separately.
9What continuing education requirement applies to Colorado P&C producers each continuation period?
A.18 hours total with 3 ethics only
B.24 hours total including at least 3 ethics and 3 homeowners coverage
C.24 hours total with no topic minimums
D.30 hours total including 6 ethics
Explanation: Colorado requires 24 CE hours per continuation period, including at least 3 hours of ethics and 3 hours of homeowners coverage. These minimum topic buckets must be met within the 24-hour total. Missing either bucket can make a producer noncompliant at renewal.
10A Colorado producer completes 24 CE hours, including 3 ethics, but only 1 homeowners coverage hour. What is the likely result?
A.The CE is fully compliant because 24 total hours were completed
B.The producer is short of the homeowners-specific requirement and is not fully compliant
C.The ethics hours can be reclassified as homeowners hours
D.The missing homeowners hours are automatically waived for P&C producers
Explanation: Colorado requires at least 3 homeowners CE hours in addition to the ethics minimum. Completing 24 total hours alone is not enough if the required subcategories are missing. Producers must satisfy both the total-hour and content-specific requirements.

About the CO Property & Casualty Exam

Colorado licenses P&C producers through two separate exams — Property and Casualty — that blend national insurance concepts with Colorado statutes and rules. Tested areas include DOI licensing and compliance, homeowners and commercial property coverage, auto liability and UM/UIM requirements, workers compensation, unfair trade practices, and guaranty association protections.

Questions

156 scored questions

Time Limit

120 min per exam (240 min if both taken together)

Passing Score

70%

Exam Fee

$41 for both exams at test center ($31 each via OnVUE online) (Colorado Division of Insurance (DOI), within DORA / Pearson VUE)

CO Property & Casualty Exam Content Outline

Property exam

Property Insurance (75 scored)

A general/national insurance-knowledge section plus a Colorado state-law section: homeowners, dwelling, and commercial property concepts, FAIR Plan, hail/percentage deductibles, and ACV/RCV roof valuation

Casualty exam

Casualty Insurance (81 scored)

A general/national insurance-knowledge section plus a Colorado state-law section: general liability, auto liability, 25/50/15 limits, UM/UIM, workers compensation, and Colorado casualty law

How to Pass the CO Property & Casualty Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 156 questions
  • Time limit: 120 min per exam (240 min if both taken together)
  • Exam fee: $41 for both exams at test center ($31 each via OnVUE online)

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

CO Property & Casualty Study Tips from Top Performers

1Memorize Colorado exam logistics first: separate Property (75 scored) and Casualty (81 scored) exams, 120 minutes each, 70% to pass each
2Prioritize Colorado law topics: DOI authority, licensing rules, CE requirements, unfair practices, and guaranty association limits
3Master Colorado auto rules: 25/50/15 minimums, UM/UIM offer/rejection, and comparative negligence
4Practice mixed scenario questions that combine national policy concepts with Colorado statutes
5Review property-specific Colorado topics such as FAIR Plan purpose and homeowners/wildfire-related disclosures

Frequently Asked Questions

How many questions are on the Colorado Property & Casualty exam?

Colorado uses two separate exams. The Pearson VUE candidate handbook lists the Property exam as 75 scored questions (plus unscored pretest items) and the Casualty exam as 81 scored questions, each timed at 120 minutes with a 70% passing score scored independently.

What is the exam fee for Colorado's P&C producer exam?

Pearson VUE charges a single $41 fee to take both the Property and Casualty exams in one test-center session; OnVUE online proctoring is $31 per exam with no multi-exam discount. Application and fingerprint costs are separate from the exam reservation fee.

What Colorado-specific auto law topics are most tested?

Commonly tested points include Colorado's 25/50/15 minimum liability limits, modified comparative negligence with a 50% bar, and the requirement that UM/UIM coverage be offered and generally matched to BI limits unless rejected in writing.

What continuing education is required after licensure in Colorado?

Colorado resident producers complete 24 CE hours per continuation period, including at least 3 hours in ethics and 3 hours in homeowners coverage. CE compliance is required to keep the producer license active.

What 2026 Colorado update should candidates know?

Colorado enacted policy language transparency updates effective January 1, 2026, including plain-language policy summaries and Spanish summaries when translated forms are available. Candidates should also note that DORA updated its initial and renewal licensing fee schedule effective March 1, 2026; confirm current dollar amounts on the DORA/DOI site.