Georgia Property & Casualty Exam Overview
Key Takeaways
- Georgia requires 40 hours of approved pre-licensing education for the combined Property & Casualty line (20 hours Property + 20 hours Casualty); you have 12 months from course completion to pass the exam.
- The exam contains 135 questions total — 125 scored plus 10 unscored pretest items — with a 150-minute (2.5-hour) limit, delivered by Pearson VUE for the Georgia OCI.
- Passing is a scaled score of 70 on EACH part (national and state), not an averaged total; failing one part fails the whole exam.
- Georgia issues a combined P&C license only — you cannot license Property or Casualty separately as one line.
- Holding the CPCU designation waives both the pre-licensing education and the examination; attach proof of CPCU to the application.
- Georgia auto financial-responsibility minimums are 25/50/25, and the state is a fault (tort) state, not no-fault.
Welcome to OpenExamPrep's FREE Georgia Property & Casualty (P&C) Insurance exam prep guide. This guide covers the Georgia-specific statutes, licensing logistics, and insurance fundamentals you must master to pass on the first attempt in 2026.
About the Georgia P&C Exam
The Georgia Property & Casualty examination is delivered by Pearson VUE under contract to the Georgia Office of the Commissioner of Insurance and Safety Fire (OCI) — the agency headed by the elected Commissioner of Insurance. Every exam is divided into two distinct parts: a national (general) part covering insurance principles common to all states, and a state-law part covering the Georgia Insurance Code (Title 33 of the Official Code of Georgia Annotated, O.C.G.A.).
Combined License Only
Georgia does NOT issue Property-only or Casualty-only producer licenses to new resident applicants — P&C is treated as one combined line of authority. You complete one combined course, sit one combined exam, and receive one combined P&C license. This is a frequent trap: candidates assume they can sit Property first and add Casualty later.
Exam Structure
| Component | Detail |
|---|---|
| Testing vendor | Pearson VUE |
| Regulator | Georgia OCI |
| Total questions | 135 (125 scored + 10 unscored pretest) |
| Time limit | 150 minutes (2.5 hours) |
| Passing standard | Scaled score of 70 on EACH part |
| Scoring | Parts are NOT averaged — fail one, fail all |
| Delivery | In-person at a Pearson VUE test center only (remote OnVUE state exams discontinued 5/2024) |
| Results | Score report issued immediately on completion |
The 10 unscored pretest questions are scattered throughout and look identical to scored items, so answer every question — you cannot tell which ones count. The scaled 70 is not a raw percentage; Pearson VUE equates forms so a 70 reflects a consistent difficulty level across exam versions.
Step-by-Step Licensing Process
Step 1 — Pre-Licensing Education
Complete 40 hours of OCI-approved education (20 Property + 20 Casualty). The provider issues a certificate carrying a unique provider code OCI uses to authenticate completion. Critical deadline: you must pass the exam within 12 months of finishing the course, or the education expires and must be retaken.
Step 2 — Register and Schedule
Create an account at pearsonvue.com, select the Georgia P&C exam, pay the $63 uniform exam fee, and book a seat at a Pearson VUE test center — Georgia state insurance exams must be taken in person (remote OnVUE proctoring was discontinued in May 2024). Bring two forms of ID (one government-issued photo ID with signature).
Step 3 — Pass the Exam
Answer 135 questions in 150 minutes and earn a 70 on both the national and the state parts. A passing print-out (an admission-to-licensure notice) is your proof; a failing report shows diagnostic percentages by content area to guide retakes.
Step 4 — Citizenship Affidavit
Georgia law (the Illegal Immigration Reform and Enforcement Act) requires every resident applicant to file a Secure and Verifiable Identity affidavit, Form GID-276-EN, attesting to lawful U.S. presence, with a copy of a secure identity document attached.
Step 5 — Fingerprinting
Schedule electronic fingerprinting through Fieldprint (the OCI-designated vendor) for the GBI/FBI criminal background check. Budget roughly $50 for the fingerprint capture and processing.
Step 6 — Apply for the License
Submit the application through NIPR or Sircon. The Georgia fees are a $100 filing fee + $20 processing fee, plus a small $5.60 vendor transaction fee — about $125.60 total, not the larger figures some outdated guides list. OCI typically processes complete applications in about 14 business days.
Step 7 — Receive and Maintain the License
The license renews every two years. For renewal you must complete 24 hours of continuing education (CE) per biennium, including at least 3 hours of ethics, from OCI-approved providers.
Total Cost Snapshot
| Item | Cost |
|---|---|
| Pre-license education (40 hrs) | $150–$350 |
| Exam fee (Pearson VUE) | $63 |
| Fingerprinting (Fieldprint) | ~$50 |
| License application | $100 + $20 + $5.60 |
| Approximate total | ~$390–$590 |
Georgia Auto Liability Minimums
Georgia is a fault (tort) state, so the at-fault driver's liability insurer pays the injured party. The compulsory minimums are written 25/50/25:
| Coverage | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per accident | $50,000 |
| Property damage | $25,000 |
Waivers and Reciprocity
- CPCU (Chartered Property Casualty Underwriter): waives BOTH the pre-licensing course AND the exam — attach a copy of the designation to your application.
- Nonresident reciprocity: a producer licensed and in good standing in their home state may obtain a Georgia nonresident license without the Georgia exam, provided the home state offers reciprocity.
High-Yield Numbers to Memorize
| Topic | Value |
|---|---|
| Pre-license hours | 40 (20 + 20) |
| Exam questions | 135 total / 125 scored |
| Exam time | 150 minutes |
| Passing score | 70 on EACH part |
| Exam fee | $63 |
| Application fees | $100 + $20 + $5.60 |
| CE per biennium | 24 hrs (3 ethics) |
| Exam deadline after course | 12 months |
| Auto minimums | 25/50/25 |
With these logistics locked in, Chapter 1 dives into the Georgia Insurance Code and OCI's regulatory authority.
How are the two parts of the Georgia P&C exam scored?
How many total questions appear on the Georgia P&C exam, and how many are scored?
Can a new Georgia resident applicant obtain a Property-only license?
What are Georgia's minimum auto liability limits, and what kind of state is Georgia?
Which professional designation waives BOTH the pre-licensing education and the examination in Georgia?