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Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Missouri?

Missouri Department of Commerce

Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP)

Missouri Secretary of State's Office

Missouri Department of Consumer Affairs

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2026 Statistics

Key Facts: MO Property & Casualty Exam

150

Exam Questions

Missouri DIFP / Pearson VUE

150 min

Exam Time

Pearson VUE exam outline

70%

Passing Score

MO producer exam standard

$62

Exam Fee

Missouri DIFP

25/50/25

MO Auto Minimums

Missouri financial responsibility law

Tort

Auto System

Missouri tort liability statute

24 hrs

CE per 2 Years

MO producer CE requirement

Missouri administers its Property & Casualty producer exam through Pearson VUE with 150 questions in 150 minutes and a 70% passing standard. The exam covers national P&C concepts plus Missouri law including DIFP regulation, producer licensing and CE requirements (24 hours biennially with 3 hours ethics), Missouri's tort-based auto system with 25/50/25 liability minimums, the Missouri Property Insurance Placement Facility (FAIR Plan) for hard-to-place property risks, and workers compensation requirements.

Sample MO Property & Casualty Practice Questions

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1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Missouri?

A.Missouri Department of Commerce

B.Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP)

C.Missouri Secretary of State's Office

D.Missouri Department of Consumer Affairs

Explanation: The Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP) is the primary regulator of all insurance companies and insurance producers in Missouri. DIFP enforces Missouri insurance laws under Chapter 375 RSMo and regulates licensing, market conduct, and consumer protection.

2Under Missouri law, what is the minimum age requirement to apply for a resident property and casualty insurance producer license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Missouri law requires that all insurance producer license applicants be at least 18 years of age. This is consistent with the legal age for entering into contracts in Missouri and is a standard requirement across most states for insurance licensing.

3What is the required pre-licensing education hours for a Missouri property and casualty insurance producer license?

A.No pre-licensing education required

B.20 hours

C.40 hours (20 property + 20 casualty)

D.60 hours

Explanation: Missouri does not require pre-licensing education for property and casualty insurance producers. Applicants must only pass the state licensing examination and meet other standard requirements such as background checks. This makes Missouri's licensing process more streamlined than many other states.

4How many hours of continuing education must a Missouri property and casualty producer complete during each license renewal period?

A.8 hours every year

B.16 hours every 2 years

C.24 hours every 2 years

D.30 hours every 3 years

Explanation: Missouri requires property and casualty producers to complete 16 hours of continuing education every 2 years during their license renewal period. At least 3 of these hours must be in ethics training. This requirement ensures producers stay current with industry changes and regulatory updates.

5Which entity administers the Missouri property and casualty insurance licensing examination?

A.Missouri DIFP directly

B.Pearson VUE

C.PSI Services

D.Prometric

Explanation: PSI Services is the approved testing vendor that administers Missouri's property and casualty insurance licensing examinations. Candidates must schedule their exams through PSI and can take the exam at approved testing centers throughout Missouri or via remote proctoring where available.

6What is the length of a Missouri property and casualty producer license before it must be renewed?

A.1 year

B.2 years

C.3 years

D.4 years

Explanation: A Missouri property and casualty producer license is valid for 2 years from the date of issuance. Producers must complete their continuing education requirements and submit their renewal application before the license expires to maintain their authority to transact insurance business.

7Under Missouri law, a producer's license may be suspended or revoked for all of the following reasons EXCEPT:

A.Committing fraud in connection with insurance transactions

B.Failing to pay child support obligations

C.Failing to maintain proper records of insurance transactions

D.Being found insolvent or bankrupt

Explanation: While Missouri DIFP can suspend or revoke licenses for fraud, record-keeping violations, bankruptcy, and other misconduct, child support obligations alone are not a statutory ground for license suspension under Missouri insurance law. However, unpaid child support may affect other professional licenses in Missouri through different enforcement mechanisms.

8A Missouri producer who allows their license to lapse must complete which of the following to reinstate the license?

A.Retake and pass the state licensing examination

B.Complete all missed continuing education hours and pay a reinstatement fee

C.Wait one year before applying for a new license

D.Complete 40 hours of additional pre-licensing education

Explanation: If a Missouri producer's license has lapsed, they may reinstate it by completing all missed continuing education hours and paying the required reinstatement fee. However, if the license has been lapsed for more than 12 months, the producer may be required to retake the licensing examination.

9Which of the following correctly describes Missouri's 'open rating' system for property and casualty insurance?

A.All rates must be filed with and approved by DIFP before use

B.Rates must be filed with DIFP but can be used immediately without prior approval

C.Rates do not need to be filed with DIFP at all

D.Only personal lines rates require DIFP approval

Explanation: Missouri operates under a 'file and use' rating system for most property and casualty insurance lines. Insurers must file their rates with DIFP, but they can use the rates immediately without waiting for prior approval. DIFP retains the authority to disapprove rates that are excessive, inadequate, or unfairly discriminatory.

10Missouri producers must report any changes to their business address or contact information to DIFP within how many days?

A.10 days

B.30 days

C.60 days

D.90 days

Explanation: Missouri insurance producers must notify DIFP of any changes to their business address, email address, or other contact information within 30 days of the change. Failure to do so may result in penalties and could affect the producer's ability to conduct business legally in the state.

About the MO Property & Casualty Exam

Missouri's Property & Casualty producer exam combines national insurance content with Missouri-specific regulation through the Department of Insurance, Financial Institutions and Professional Registration (DIFP), producer licensing requirements, homeowners and commercial property, auto insurance (25/50/25 minimums in a tort state), workers compensation, general liability, and ethics requirements.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$62 (Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) / Pearson VUE)

MO Property & Casualty Exam Content Outline

25%

Insurance Regulation

Missouri DIFP authority, producer licensing, continuing education (24 hours/2 years with 3 hours ethics), appointment requirements, and unfair trade practices

10%

General Insurance Concepts

Risk management, contracts, agency authority, insurer classifications, and legal principles

15%

Property Insurance

Homeowners policies, dwelling fire forms, commercial property, Missouri Property Insurance Placement Facility (FAIR Plan), and loss valuation methods

20%

Casualty Insurance

Missouri auto insurance (25/50/25 limits), tort-based system, general liability, workers compensation requirements, surplus lines, and commercial auto

15%

Policy Provisions

Policy structure, conditions, exclusions, endorsements, and claims handling requirements

15%

Ethics and Consumer Protection

Producer conduct, unfair practices, privacy protection, guaranty association, and consumer rights

How to Pass the MO Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $62

Keys to Passing

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

MO Property & Casualty Study Tips from Top Performers

1Memorize Missouri's auto insurance minimums (25/50/25) and understand how the tort-based auto liability system works

2Study the Missouri DIFP's role as the primary insurance regulator and producer licensing authority

3Understand Missouri's continuing education requirements: 24 hours biennially with 3 hours of ethics

4Review workers compensation requirements — Missouri requires most employers to carry coverage

5Learn about the Missouri Property Insurance Placement Facility (FAIR Plan) and how it provides coverage for hard-to-place property risks

6Focus on comparative fault rules in Missouri and how they affect liability claims

Frequently Asked Questions

How many questions are on the Missouri Property and Casualty exam?

Missouri's Property & Casualty producer exam contains approximately 150 questions covering both national insurance content and Missouri-specific regulations. The exam is administered by Pearson VUE.

How much time do you get for the Missouri P&C exam?

The Missouri Property & Casualty producer exam time limit is 150 minutes (2.5 hours). Candidates should pace themselves to complete all questions within the allotted time.

What are Missouri's auto insurance minimum requirements?

Missouri requires minimum auto liability coverage of 25/50/25, which means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Missouri operates as a tort state, meaning the at-fault driver is responsible for damages.

What continuing education is required for Missouri producers?

Missouri producers must complete 24 hours of continuing education every 2 years, including at least 3 hours of ethics training. License renewal is biennial based on the producer's birth month.

What Missouri-specific topics should I prioritize for the exam?

Focus on DIFP regulations, Missouri's tort-based auto system with 25/50/25 liability minimums, the Missouri Property Insurance Placement Facility (FAIR Plan) for hard-to-place property risks, workers compensation requirements, unfair trade practices, and consumer protection laws.