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435+ Free MO Property & Casualty Practice Questions

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2026 Statistics

Key Facts: MO Property & Casualty Exam

150

Exam Questions

Missouri DCI / Pearson VUE

3 hrs

Exam Time

Pearson VUE exam outline

70 scaled

Passing Standard

MO producer exam standard

$40

Exam Fee

Missouri DCI

25/50/25

MO Auto Minimums

Missouri financial responsibility law

Tort

Auto System

Missouri tort liability statute

16 hrs

CE per 2 Years

MO producer CE requirement

Missouri administers combined producer examination code 55 through Pearson VUE with a three-hour appointment and 150 total questions derived from the current detailed outline. The exam covers 50 scored Property, 50 scored Casualty, and 40 scored Missouri-specific items, plus unidentified pretest items. Missouri requires a scaled score of 70, no prelicensing course, and 16 continuing-education hours per biennium including 3 ethics hours after licensure. New reservations are test-center only, not OnVUE.

Sample MO Property & Casualty Practice Questions

Try these sample questions to test your MO Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 435+ question experience with AI tutoring.

1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Missouri?
A.Missouri Secretary of State's Office
B.Missouri Department of Commerce and Insurance (DCI)
C.Missouri Department of Consumer Affairs
D.Missouri Attorney General's Office
Explanation: The Missouri Department of Commerce and Insurance (DCI) is the primary regulator of all insurance companies and insurance producers in Missouri. DCI (renamed from the former Department of Insurance, Financial Institutions and Professional Registration in 2019) enforces Missouri insurance laws found in Chapters 374-385 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 DCI directly
B.Pearson VUE
C.PSI Services
D.Prometric
Explanation: Pearson VUE is the approved testing vendor that administers Missouri's property and casualty insurance licensing examinations. Candidates must schedule their exams through Pearson VUE and take the exam at a Pearson VUE test center in Missouri.
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 DCI 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 DCI before use
B.Rates must be filed with DCI but can be used immediately without prior approval
C.Rates do not need to be filed with DCI at all
D.Only personal lines rates require DCI approval
Explanation: Missouri operates under a 'file and use' rating system for most property and casualty insurance lines. Insurers must file their rates with DCI, but they can use the rates immediately without waiting for prior approval. DCI 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 DCI within how many days?
A.10 days
B.30 days
C.60 days
D.90 days
Explanation: Missouri insurance producers must notify DCI 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 combined Property and Casualty Insurance Producer examination (code 55) covers national property and casualty products and concepts plus Missouri-specific law. The current Pearson VUE appointment is three hours, the detailed outline supports 140 scored and 10 pretest questions, and the result uses a scaled passing score of 70 rather than a raw percentage.

Questions

150 scored questions

Time Limit

3 hours

Passing Score

Scaled score of 70 (not a raw percentage)

Exam Fee

$40 (Missouri Department of Commerce and Insurance (DCI) / Pearson VUE)

MO Property & Casualty Exam Content Outline

22 of 140 scored

Property: Types of Policies

Homeowners, dwelling, commercial property, BOP, inland marine, flood, and other property forms.

15 of 140 scored

Property: Terms and Related Concepts

Risk, hazards, valuation, proximate cause, coinsurance, liability, binders, and endorsements.

13 of 140 scored

Property: Provisions and Contract Law

Policy structure, post-loss duties, mortgagee rights, appraisal, subrogation, underwriting, and privacy.

23 of 140 scored

Casualty: Policies, Bonds, and Related Terms

CGL, personal and business auto, workers compensation, crime, bonds, professional liability, umbrella, and BOP.

15 of 140 scored

Casualty: Terms and Related Concepts

Negligence, damages, limits, valuation, representations, certificates, and risk concepts.

12 of 140 scored

Casualty: Policy Provisions

Declarations, coverage grants, exclusions, duties, claims, supplementary payments, and settlement provisions.

20 of 140 scored

Missouri Law Common to All Lines

DCI authority, producer licensing, marketing practices, fiduciary duties, commissions, and guaranty protection.

10 of 140 scored

Missouri Property Law

FAIR Plan, inland marine, homeowners, binders, and cancellation/nonrenewal.

10 of 140 scored

Missouri Casualty Law

Auto financial responsibility, residual-market auto, claims practices, workers compensation, and medical malpractice.

How to Pass the MO Property & Casualty Exam

What You Need to Know

  • Passing score: Scaled score of 70 (not a raw percentage)
  • Exam length: 150 questions
  • Time limit: 3 hours
  • Exam fee: $40

Keys to Passing

  • Work through all 435 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • 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 DCI's role as the primary insurance regulator and producer licensing authority
3Understand Missouri's continuing education requirements: 16 hours biennially with at least 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?

The detailed February 2026 combined outline supports 150 total questions: 140 scored and 10 unidentified pretest items. Its six general-domain counts total 100 scored even though the combined-general heading contains an inconsistent 50-scored label; the Missouri-specific domains add 40 scored items.

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

Pearson VUE currently allows three hours for combined examination code 55. The separate Property and separate Casualty exams each have two-hour appointments.

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?

A Missouri resident producer holding Property, Casualty, Personal Lines, or any combination generally completes 16 approved hours every two years, including at least 3 hours of ethics.

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

Focus on DCI authority and producer rules, Missouri's 25/50/25 auto liability minimums, the FAIR Plan, workers compensation, unfair practices, and claim-settlement rules. Use the February 2026 Pearson VUE outline rather than invented topic percentages.