193+ Free CO Property & Casualty Practice Questions

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Question 1

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Colorado's Division of Insurance is part of which state department?

Department of Revenue (DOR)

Department of Regulatory Agencies (DORA)

Department of Public Safety (DPS)

Department of State (DOS)

to track

2026 Statistics

Key Facts: CO Property & Casualty Exam

186 Q

Combined Exam Questions

Pearson VUE CO handbook (06-08)

240 min

Exam Time

Pearson VUE CO handbook

70%

Passing Score

Pearson VUE CO handbook

$41

Test Center Exam Fee

Pearson VUE fee table (effective Mar 1, 2026)

25/50/15

CO Auto Minimums

Colorado financial responsibility law

24 hrs

CE Per Continuation Period

CO producer CE requirement

Colorado's combined Property and Casualty producer exam (06-08) is 186 questions with a 240-minute limit and a 70% passing score. 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. Pearson VUE updated the Colorado fee table with a $41 test-center exam fee effective March 1, 2026.

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 193+ 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 handbook (updated February 2026), how many questions are on the Combined Property & Casualty producer exam (06-08)?

A.150

B.170

C.186

D.200

Explanation: The Colorado Combined Property & Casualty producer exam (06-08) contains 186 questions. Candidates should prepare for a long, mixed-content exam rather than a short line-specific test. Knowing the exact exam format helps with pacing strategy.

4What is the time limit for Colorado's Combined Property & Casualty producer exam (06-08)?

A.180 minutes

B.210 minutes

C.240 minutes

D.300 minutes

Explanation: Colorado allows 240 minutes for the Combined Property & Casualty producer exam. Time management is critical because the exam covers both national concepts and Colorado-specific rules. A good strategy is to keep a steady pace and flag difficult items for review.

5What passing score is required for Colorado's Combined Property & Casualty producer exam (06-08)?

A.60%

B.65%

C.70%

D.75%

Explanation: The required passing score is 70% on Colorado's Combined Property & Casualty producer exam. Candidates should plan for a margin above 70% rather than aiming right at the threshold. Consistent performance across all domains is usually safer than over-focusing on one topic area.

6What is the Colorado test-center exam fee effective March 1, 2026, for the Combined Property & Casualty producer exam?

A.$37

B.$39

C.$41

D.$45

Explanation: The Colorado test-center fee is $41 effective March 1, 2026. Candidates should verify payment details when scheduling because fees can change by effective date. Using outdated fee information can delay registration.

7How many prelicensing hours are required in Colorado for a Property & Casualty producer candidate?

A.40 hours

B.45 hours

C.50 hours

D.60 hours

Explanation: Colorado requires 50 hours of prelicensing education for Property & Casualty candidates. This requirement is a fixed prerequisite before sitting for the licensing exam. Candidates should complete approved coursework and keep completion records.

8Which prelicensing hour breakdown matches Colorado's Property & Casualty requirement?

A.5 ethics + 45 line-specific

B.10 ethics + 40 line-specific

C.15 ethics + 35 line-specific

D.20 ethics + 30 line-specific

Explanation: Colorado's required prelicensing split is 10 hours of ethics and 40 hours of line-specific instruction. The ethics component is not optional and must be included in the total 50 hours. This structure emphasizes both technical coverage knowledge and professional conduct.

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 a combined Property and Casualty exam that blends 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

186 scored questions

Time Limit

4 hours

Passing Score

70%

Exam Fee

$41 at test center (Colorado Division of Insurance (DORA) / Pearson VUE)

CO Property & Casualty Exam Content Outline

44%

General Insurance Knowledge

Insurance terms, policy provisions, contract law, and foundational property/casualty concepts

22%

Property Insurance

Homeowners, dwelling, and commercial property concepts plus Colorado property law topics

34%

Casualty Insurance

General liability, auto, workers compensation, and Colorado casualty law

How to Pass the CO Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 186 questions
Time limit: 4 hours
Exam fee: $41 at test center

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: 186 questions, 240 minutes, and 70% passing

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?

The Colorado combined Property and Casualty producer exam (06-08) is 186 total questions. Pearson VUE lists it as a 240-minute exam with a 70% passing score requirement.

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

Pearson VUE's Colorado insurance fee table lists the test-center fee as $41 for the exam, with that fee update effective March 1, 2026. 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 the March 1, 2026 Pearson VUE fee update.