197+ Free GA Property & Casualty Practice Questions

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Which Georgia agency has primary authority to regulate property and casualty insurers and producers?

Georgia Department of Banking and Finance

Georgia Office of Commissioner of Insurance and Safety Fire (OCI)

Georgia Secretary of State Professional Licensing Boards

Georgia Department of Revenue

to track

2026 Statistics

Key Facts: GA Property & Casualty Exam

125 + 10

Scored + Pretest Questions

Pearson VUE GA handbook (Feb 6, 2026)

150 min

Exam Time

Pearson VUE GA handbook

70%

Passing Score

Pearson VUE GA handbook

$67

Exam Fee

Pearson VUE GA handbook

25/50/25

GA Auto Minimums

Georgia OCI consumer auto guide

24 hrs

CE Every 2 Years

Georgia OCI producer CE guidance

Georgia's February 2026 Pearson VUE handbook lists the combined P&C exam (12-GA-06) at 125 scored + 10 pretest questions in 150 minutes, with a 70% passing score and $67 fee. Georgia topics commonly tested include OCI regulation, producer licensing and CE, 25/50/25 auto minimums, UM offer/rejection rules, workers compensation basics, and FAIR Plan/flood concepts.

Sample GA Property & Casualty Practice Questions

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1Which Georgia agency has primary authority to regulate property and casualty insurers and producers?

A.Georgia Department of Banking and Finance

B.Georgia Office of Commissioner of Insurance and Safety Fire (OCI)

C.Georgia Secretary of State Professional Licensing Boards

D.Georgia Department of Revenue

Explanation: The Georgia Office of Commissioner of Insurance and Safety Fire (OCI) is the state insurance regulator. It oversees licensing, market conduct, and insurer solvency under Georgia insurance law. The other agencies do not serve as Georgia's primary insurance regulator.

2In Georgia, insurance statutes are primarily found in which legal source?

A.Title 16 of the O.C.G.A.

B.Title 25 of the O.C.G.A.

C.Title 33 of the O.C.G.A.

D.Title 50 of the O.C.G.A.

Explanation: Georgia insurance law is codified in Title 33 of the Official Code of Georgia Annotated (O.C.G.A.). Exam questions often refer to Title 33 when testing producer duties and regulatory authority. Knowing this citation helps candidates identify Georgia-specific legal questions quickly.

3What is the current fee to sit for the Georgia Property and Casualty producer exam through Pearson VUE?

A.$49

B.$67

C.$75

D.$95

Explanation: The listed Pearson VUE fee for the Georgia P&C exam is $67. Candidates should still verify current pricing at registration because vendor fees can change. For exam-prep purposes, $67 is the tested Georgia figure from the current handbook reference.

4Georgia prelicense guidance for P&C commonly presents which course pathway before testing?

A.8 hours property plus 8 hours casualty

B.12 hours property plus 12 hours casualty

C.20 hours property only

D.No prelicense education is referenced

Explanation: Georgia prelicense guidance commonly shows an 8-hour property and 8-hour casualty pathway for P&C preparation. This course structure is widely used by approved providers and referenced in licensing prep materials. Candidates should always confirm they are following the current approved pathway before scheduling an exam.

5How many continuing education hours must a Georgia resident producer complete each 2-year cycle, and how many must be ethics?

A.20 total, including 2 ethics

B.24 total, including 3 ethics

C.24 total, including 6 ethics

D.30 total, including 3 ethics

Explanation: Georgia requires 24 hours of CE each biennial cycle, including 3 hours of ethics. This applies to resident producers and is a core Georgia licensing rule. Missing the ethics component can still create a renewal compliance problem even if total hours are met.

6Georgia producer license renewal timing is generally tied to which schedule?

A.Calendar year end for all licensees

B.Every two years from first appointment date

C.A cycle tied to the producer's birth month

D.Every odd-numbered year only

Explanation: Georgia ties renewal cycles to the producer's birth month schedule. That timing drives CE completion and license renewal planning. Producers who rely on a calendar-year assumption can miss Georgia deadlines.

7A Georgia resident producer applicant must usually provide which legal-presence documentation item with the license application?

A.A corporate surety bond only

B.A citizenship affidavit with secure and verifiable documents

C.A county business license only

D.A social media identity verification form

Explanation: Georgia resident licensing requires an affidavit and secure, verifiable documentation for lawful presence verification. This requirement is a recurring state-specific testing point. Failing this documentation step can delay or block issuance even after passing the exam.

8Which statement best describes nonresident producer licensing in Georgia?

A.Nonresident applicants must complete Georgia prelicense classroom hours

B.Nonresident applicants must hold an active home-state license and apply for Georgia nonresident authority

C.Nonresident applicants are exempt from all background checks

D.Nonresident applicants can transact insurance in Georgia without any Georgia license

Explanation: Georgia generally uses reciprocity principles for nonresident licensing. An applicant with active home-state authority can apply for a Georgia nonresident license rather than complete Georgia resident prelicensing. However, they still must be properly licensed in Georgia before transacting business in the state.

9Which action is most likely to trigger Georgia administrative discipline against a producer?

A.Advertising only one insurer

B.Completing CE early

C.Transacting insurance with a lapsed license

D.Specializing in commercial lines only

Explanation: Transacting insurance without an active license is a serious compliance violation in Georgia. The OCI can impose administrative penalties, including suspension or revocation. License status must be active before solicitation, negotiation, or sale.

10Who selects the Georgia Commissioner of Insurance and Safety Fire?

A.The Governor of Georgia

B.Georgia voters in a statewide election

C.The Georgia Supreme Court

D.The NAIC Executive Committee

Explanation: Georgia's Insurance and Safety Fire Commissioner is elected statewide by voters. This differs from states where the insurance commissioner is appointed. The elected structure is commonly tested in Georgia-specific regulation questions.

About the GA Property & Casualty Exam

The Georgia Property & Casualty producer exam combines national P&C fundamentals with Georgia law and regulation. Current Pearson VUE materials list exam code 12-GA-06 with 125 scored questions plus 10 pretest questions, a 150-minute time limit, and a 70% passing score.

Questions

135 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$67 (Georgia Office of Commissioner of Insurance (OCI) / Pearson VUE)

GA Property & Casualty Exam Content Outline

30%

Policy Types, Terms, and Core Concepts

Property and casualty policy types, core terminology, indemnity concepts, and foundational P&C principles

25%

Policy Provisions and Contract Law

Common clauses, riders, conditions, cancellation/nonrenewal, and contract-interpretation rules

25%

Georgia Regulation and Producer Compliance

OCI authority, licensing steps, citizenship affidavit and documentation, CE and renewal obligations, unfair practices

20%

Georgia Auto, Workers Comp, Flood, and FAIR Plan

25/50/25 financial responsibility, UM requirements, workers compensation framework, and residual market/flood mechanisms

How to Pass the GA Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 135 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $67

Keys to Passing

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

GA Property & Casualty Study Tips from Top Performers

1Memorize the official exam format first: 125 scored + 10 pretest, 150 minutes, 70% passing score

2Drill Georgia producer compliance topics: licensing documentation, CE, renewal timing, and prohibited practices

3Be fluent in Georgia auto law basics: 25/50/25 minimum limits and UM offer/rejection rules

4Practice scenario-based contract questions on conditions, exclusions, duties after loss, and cancellation timelines

5Review Georgia residual market and flood placement concepts (FAIR Plan and NFIP flow) before mixed sets

Frequently Asked Questions

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

Pearson VUE's February 2026 Georgia handbook lists exam 12-GA-06 as 125 scored questions plus 10 pretest questions (135 total delivered). You get 150 minutes and need a 70% score to pass.

What does the Georgia P&C exam cost?

The Georgia candidate handbook published by Pearson VUE in February 2026 lists the exam fee as $67 for the combined Property & Casualty producer exam.

What Georgia-specific topics are most tested?

High-value state topics include OCI licensing and compliance rules, Georgia auto financial responsibility minimums (25/50/25), uninsured motorist offer/rejection requirements, workers compensation coverage triggers, and Georgia FAIR Plan/flood placement concepts.

What continuing education is required after licensing in Georgia?

Georgia resident producers generally complete 24 hours of CE every 2 years, including ethics requirements, and renew on a birth-month cycle. Always verify current CE details with OCI before renewal.