200+ Free UT Property & Casualty Practice Questions

Pass your Utah 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

200+ Questions

100% Free

1 / 10

Question 1

Score: 0/0

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

Utah Department of Financial Services

Utah Insurance Department

Utah Secretary of State's Office

Utah Attorney General's Office

to track

2026 Statistics

Key Facts: UT Property & Casualty Exam

180

Total Questions

Prometric UT03 content outline

220 min

Exam Time

Prometric UT03 content outline

70%

Passing Score

Prometric Utah Licensing Information Bulletin

$59

Exam Fee

Prometric Utah Licensing Information Bulletin

25/65/15

UT Auto Liability Minimums

Utah Insurance Department auto insurance requirements

$3,000

UT Minimum PIP

Utah Insurance Department auto insurance requirements

No prelicense

Pre-Exam Education

Utah Insurance Department producer license requirements

Prometric's current Utah UT03 outline lists 180 total questions (150 scored + 30 pretest) with a 220-minute time limit and a 70% passing score. The state section is Utah-heavy: Insurance Regulation is weighted 17% and Utah line-specific law another 13%. The Utah License Requirements page confirms no pre-licensing education requirement, and resident licensing includes fingerprint processing after exam completion.

Sample UT Property & Casualty Practice Questions

Try these sample questions to test your UT Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

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

A.Utah Department of Financial Services

B.Utah Insurance Department

C.Utah Secretary of State's Office

D.Utah Attorney General's Office

Explanation: The Utah Insurance Department is the primary regulator of insurers and producers in Utah, including property and casualty lines. It oversees licensing, market conduct, and enforcement of state insurance laws. The commissioner is appointed under Utah's executive branch structure.

2How many continuing education hours must a Utah property and casualty insurance producer complete every 2 years?

A.12 hours

B.24 hours

C.30 hours

D.40 hours

Explanation: Utah requires property and casualty insurance producers to complete 24 hours of continuing education every 2 years. This requirement helps ensure producers stay current with industry changes and regulatory updates affecting insurance practices in Utah.

3What is the minimum age requirement to apply for an insurance producer license in Utah?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Utah requires insurance producer license applicants to be at least 18 years old. This is consistent with the legal age for entering into binding contracts and aligns with most other states' requirements for insurance licensing.

4Where is the Utah Insurance Department headquarters located?

A.Provo, Utah

B.Salt Lake City, Utah

C.Ogden, Utah

D.St. George, Utah

Explanation: The Utah Insurance Department is based in Salt Lake City and serves as Utah's primary insurance regulator. For producers, this matters because licensing, discipline, and compliance guidance are handled through this agency. Knowing the regulator is essential for state-law questions on the exam.

5A Utah insurance producer wants to obtain a property and casualty license. Which examination must they pass?

A.Utah State Insurance Exam only

B.National producer exam without Utah supplement

C.Utah-specific property and casualty examination

D.No examination is required for property and casualty lines

Explanation: Utah requires candidates for a property and casualty producer license to pass the Utah-specific property and casualty examination. This exam tests both general insurance knowledge and Utah-specific insurance laws and regulations.

6What happens if a Utah insurance producer allows their license to lapse?

A.The license can be reinstated at any time with a fee

B.The producer must reapply as a new applicant within 12 months

C.The license is permanently revoked

D.The producer must wait 5 years before reapplying

Explanation: If a Utah insurance producer's license lapses, they typically have 12 months to apply for reinstatement. After that period, they must reapply as a new applicant, which includes retaking the required examinations and meeting all current licensing requirements.

7Under Utah law, how long must an insurance producer maintain records of insurance transactions?

A.1 year

B.3 years

C.5 years

D.7 years

Explanation: Utah insurance producers must maintain records of insurance transactions for at least 3 years. These records must be available for inspection by the Utah Insurance Department during regular business hours to verify compliance with state insurance laws.

8Which entity administers the Utah insurance producer licensing examinations?

A.Utah Insurance Department directly

B.Prometric or other approved testing vendor

C.University of Utah

D.National Association of Insurance Commissioners

Explanation: Utah contracts with approved testing vendors, such as Prometric, to administer insurance producer licensing examinations. This allows for standardized testing while ensuring the exams include Utah-specific content required by the Utah Insurance Department.

9A producer licensed in another state wants to become licensed in Utah. What process applies?

A.They must start over as a new applicant with full examination requirements

B.They may qualify for license reciprocity with reduced requirements

C.They cannot become licensed in Utah if licensed elsewhere

D.They must wait one year before applying

Explanation: Utah offers reciprocity for producers licensed in other states. If the home state has comparable licensing requirements, the producer may be able to obtain a Utah license through a simplified application process, potentially with reduced examination requirements.

10What is the primary purpose of Utah's continuing education requirement for insurance producers?

A.Generate revenue for the state

B.Ensure producers maintain current knowledge of insurance practices

C.Limit competition in the insurance market

D.Reduce the number of licensed producers

Explanation: Utah's continuing education requirement is designed to ensure insurance producers maintain current knowledge of insurance products, practices, laws, and regulations. This protects consumers by helping ensure producers provide accurate and up-to-date information.

About the UT Property & Casualty Exam

Utah's UT03 Property & Casualty producer exam combines national P&C content with Utah law. Heavily tested areas include Utah producer licensing/compliance, unfair trade practices, property and casualty fundamentals, homeowners and commercial package coverage, and Utah auto requirements including 25/65/15 liability limits with no-fault PIP.

Questions

180 scored questions

Time Limit

3 hours 40 minutes (220 minutes)

Passing Score

70%

Exam Fee

$59 (Utah Insurance Department / Prometric)

UT Property & Casualty Exam Content Outline

17%

Utah Insurance Regulation

Utah producer licensing, appointments, conduct standards, unfair trade practices, and Insurance Department authority

13%

Utah Line-Specific Law

Utah auto and casualty statutes, no-fault/PIP framework, and line-specific state compliance rules

General Insurance Concepts

Risk, indemnity, contract law, legal interpretations, and insurer types

13%

Property and Casualty Basics

Policy structure, underwriting, valuation, deductibles, and conditions

Dwelling Policy

DP forms, covered perils, exclusions, and endorsements

13%

Homeowners Policy

HO forms, Sections I and II, loss settlement, and liability features

Auto Insurance

Personal auto policy fundamentals and Utah-required minimums including PIP

13%

Commercial Package Policy

Commercial property, CGL, inland marine, and package construction

Workers Compensation

Statutory employer obligations, covered employees, and benefit basics

Other Coverages

BOP, umbrella/excess, and specialty coverages tested under the UT03 outline

How to Pass the UT Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 180 questions
Time limit: 3 hours 40 minutes (220 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

UT Property & Casualty Study Tips from Top Performers

1Build your study plan from the official UT03 weighting: 30% Utah law/regulation and 70% national P&C content.

2Memorize Utah's core auto requirements early: 25/65/15 liability minimums plus at least $3,000 PIP.

3Use timed mixed sets to practice 220-minute endurance and identify weak domains before exam day.

4Treat Utah producer law as high-yield: licensing, fiduciary duties, unfair practices, and disciplinary triggers.

5Complete post-exam licensing tasks promptly, including fingerprint processing and application workflow steps.

Frequently Asked Questions

How many questions are on Utah's UT03 Property & Casualty exam?

Prometric's UT03 outline lists 180 total questions: 150 scored items and 30 pretest items. Pretest items are mixed into the exam and are not identified, so candidates should treat all questions as scored while pacing.

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

The UT03 time limit is 220 minutes (3 hours 40 minutes). This is longer than many state P&C exams, but Utah still requires disciplined pacing because of the larger total question count.

What is Utah's current P&C exam fee and passing score?

Prometric's Utah Licensing Information Bulletin lists a $59 exam fee for UT03 and a 70% passing score. Separate licensing costs can still apply after exam completion.

Does Utah require pre-licensing education before taking the exam?

Utah's producer licensing requirements state that there is no mandatory pre-licensing education requirement. Candidates can self-study, sit for the exam, and then complete post-exam licensing steps if they pass.

What Utah-specific law topics should I prioritize?

Prioritize Utah Insurance Regulation (17%), Utah line-specific law (13%), and Utah auto requirements including 25/65/15 liability limits and at least $3,000 in PIP. Also drill producer conduct, unfair trade practices, and claims-related compliance concepts.