198+ Free SC Property & Casualty Practice Questions

Pass your South Carolina Property & Casualty Insurance Exam exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

Not published Pass Rate

198+ Questions

100% Free

1 / 10

Question 1

Score: 0/0

Which state agency has primary regulatory authority over property and casualty insurance producers and insurers in South Carolina?

South Carolina Department of Consumer Affairs

South Carolina Department of Insurance (SCDOI)

South Carolina Department of Revenue

South Carolina Secretary of State

to track

2026 Statistics

Key Facts: SC Property & Casualty Exam

140 Q

Total Questions

Pearson VUE SC handbook

165 min

Exam Time

Pearson VUE SC handbook

Scaled 70

Passing Score

Pearson VUE SC handbook

100 + 30

National + SC Scored Split

Pearson VUE SC content outline

25/50/25

SC Auto Minimum Limits

S.C. Code 38-77-140

$59

Exam Fee

Pearson VUE SC fees

The South Carolina Property and Casualty exam is 140 total questions with a 165-minute limit and a scaled passing score of 70. Pearson VUE's outline shows 130 scored items split into 100 national and 30 South Carolina law items, with 10 pretest questions mixed in. South Carolina-specific content emphasizes Title 38 producer law, 25/50/25 auto minimum limits, UM/UIM rules, SCWHUA, and state unfair-practice enforcement.

Sample SC Property & Casualty Practice Questions

Try these sample questions to test your SC Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 198+ question experience with AI tutoring.

1Which state agency has primary regulatory authority over property and casualty insurance producers and insurers in South Carolina?

A.South Carolina Department of Consumer Affairs

B.South Carolina Department of Insurance (SCDOI)

C.South Carolina Department of Revenue

D.South Carolina Secretary of State

Explanation: The South Carolina Department of Insurance (SCDOI) is the primary regulator for insurance in the state. It oversees producer licensing, market conduct, and insurer compliance with South Carolina insurance law.

2Which exam code corresponds to the South Carolina Property, Casualty, Surety and Marine Insurance Producer examination?

A.InsSC-PCSM04

B.SC-PCLM-140

C.PCS-SC-59

D.SCDOI-PROD-04

Explanation: The South Carolina producer exam code is InsSC-PCSM04. Candidates use this identifier when registering for the state licensing examination.

3What are the total number of exam items and time limit for the South Carolina Property, Casualty, Surety and Marine producer exam?

A.120 items and 150 minutes

B.130 items and 180 minutes

C.140 items and 165 minutes

D.150 items and 180 minutes

Explanation: South Carolina uses a 140-item exam with a 165-minute testing window for this license type. Time management is important because both national and state content are included.

4What is the current exam fee for the South Carolina Property, Casualty, Surety and Marine producer exam?

A.$45

B.$59

C.$75

D.$99

Explanation: The exam fee is $59. If a candidate retakes the exam, that fee is generally paid again for each new attempt.

5How is passing performance reported for the South Carolina Property and Casualty producer exam?

A.As a raw percentage, with 70% required

B.As a scaled score, with 70 required

C.As pass/fail with no numeric score

D.As separate letter grades for national and state sections

Explanation: South Carolina reports a scaled passing score of 70. A scaled score is not the same as getting exactly 70% of questions correct, because forms can vary in difficulty.

6Under the South Carolina exam content outline effective September 2, 2025, how is the general section structured?

A.90 scored questions and 10 pretest questions

B.100 scored questions and 5 pretest questions

C.105 scored questions and 0 pretest questions

D.110 scored questions and 5 pretest questions

Explanation: The general section contains 100 scored items plus 5 pretest items. Pretest items are unscored but are mixed into the exam and are not identified to the candidate.

7Under the South Carolina exam content outline effective September 2, 2025, how is the state section structured?

A.25 scored questions and 5 pretest questions

B.30 scored questions and 5 pretest questions

C.35 scored questions and 0 pretest questions

D.40 scored questions and 5 pretest questions

Explanation: The state section is made up of 30 scored items and 5 pretest items. This section tests South Carolina-specific insurance law and regulation.

8How are the scored South Carolina state-law questions weighted on the current outline?

A.12 all-lines law and 18 P&C-specific law

B.15 all-lines law and 15 P&C-specific law

C.18 all-lines law and 12 P&C-specific law

D.20 all-lines law and 10 P&C-specific law

Explanation: South Carolina weights the 30 scored state-law questions as 18 all-lines law and 12 property-and-casualty-specific law. This helps candidates prioritize study time between broad licensing rules and line-specific requirements.

9A candidate says, 'I only need 70% raw correct to pass because South Carolina requires 70.' What is the best response?

A.Correct, South Carolina uses only a raw percentage cutoff

B.Incorrect, South Carolina uses a scaled score of 70

C.Correct, but only for the state section

D.Incorrect, South Carolina requires a scaled score of 75

Explanation: South Carolina reports the passing standard as a scaled score of 70, not a raw-percent threshold. A scaled system accounts for differences in question difficulty across exam forms, so raw percent and scaled results are not always identical.

10What is South Carolina's continuing education requirement for most resident producers each renewal cycle?

A.20 hours every 2 years with 2 ethics

B.24 hours every 2 years with 3 ethics

C.24 hours every year with 3 ethics

D.30 hours every 2 years with 6 ethics

Explanation: South Carolina requires 24 hours of CE every 2 years for most producers, including 3 hours of ethics. These hours must be completed through approved courses before renewal.

About the SC Property & Casualty Exam

South Carolina's combined Property and Casualty producer exam tests national P&C fundamentals plus South Carolina law. High-priority state topics include producer licensing and appointments, unfair trade and claims practices, auto financial responsibility, UM/UIM requirements, workers compensation, the South Carolina Wind and Hail Underwriting Association (SCWHUA), and valued policy law.

Questions

140 scored questions

Time Limit

2 hours 45 minutes (165 minutes)

Passing Score

Scaled score of 70

Exam Fee

$59 (South Carolina Department of Insurance (SCDOI) / Pearson VUE)

SC Property & Casualty Exam Content Outline

77%

National Property and Casualty Knowledge

General insurance concepts, insurance regulation, property fundamentals, property policies, casualty fundamentals, and casualty policy provisions from the national section

14%

South Carolina Common Insurance Law

SCDOI authority, producer licensing and appointments, continuing education, unfair trade practices, claims settlement standards, and fraud provisions tested in the common state-law section

South Carolina P&C-Specific Law

State-specific property and casualty statutes including auto financial responsibility, UM/UIM rules, workers compensation, SCWHUA residual property market, and valued policy law concepts

How to Pass the SC Property & Casualty Exam

What You Need to Know

Passing score: Scaled score of 70
Exam length: 140 questions
Time limit: 2 hours 45 minutes (165 minutes)
Exam fee: $59

Keys to Passing

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

SC Property & Casualty Study Tips from Top Performers

1Memorize exam logistics first: 140 total questions, 165 minutes, scaled passing score of 70, and $59 exam fee

2Prioritize South Carolina law early, especially producer appointment timing, CE rules, unfair practices, and anti-fraud provisions

3Drill South Carolina auto topics: at-fault framework, 25/50/25 limits, and UM/UIM requirements

4Practice scenario questions on SCWHUA eligibility and valued policy law total-loss outcomes

5Treat all 140 questions as scored because pretest questions are mixed in and not identified

Frequently Asked Questions

How many questions are on the South Carolina Property and Casualty exam?

The South Carolina combined Property and Casualty producer exam has 140 total questions with a 165-minute time limit. Pearson VUE identifies 130 scored items plus 10 pretest questions. You need a scaled score of 70 to pass.

What does the South Carolina exam cost and who administers it?

The South Carolina producer exam fee is $59 per attempt through Pearson VUE. The South Carolina Department of Insurance (SCDOI) regulates producer licensing, while Pearson VUE handles exam scheduling and delivery.

How is the South Carolina P&C exam weighted?

The scored blueprint is split between 100 national questions and 30 South Carolina state-law questions. The state-law section is further divided into common insurance law (18 scored items) and South Carolina property/casualty-specific law (12 scored items).

What South Carolina-specific auto topics are most tested?

South Carolina is an at-fault state and requires minimum liability limits of 25/50/25. The exam also tests uninsured and underinsured motorist requirements, proof of financial responsibility, cancellation/nonrenewal concepts, and related producer compliance duties under Title 38.

What continuing education rules apply after licensure in South Carolina?

Most resident producers complete 24 continuing-education hours every 2 years, including 3 ethics hours. South Carolina provides an exemption for producers age 65 or older who have been licensed for at least 25 years. CE compliance is handled through SCDOI-approved providers and reporting.