Georgia Property & Casualty Exam Overview
Key Takeaways
Georgia requires an 8-hour Property course and an 8-hour Casualty course (16 hours) for the combined Property & Casualty exam, taken within the last 12 months (Pearson VUE handbook, October 2026).
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.
Pearson VUE reports a percent score from 0% to 100%, the percentage of questions answered correctly; you need 70% to pass.
Georgia offers separate Property (12-GA-03) and Casualty (12-GA-04) exams as well as the combined Property & Casualty exam (12-GA-06), each with a $67 fee.
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 covers basic insurance product knowledge common to all states and the insurance laws, rules, regulations and practices unique to Georgia (Title 33 of the Official Code of Georgia Annotated, O.C.G.A.).
Combined or Single-Line Exams
The Pearson VUE Georgia handbook (October 2026) lists a Property Agent exam (12-GA-03, 2 hours), a Casualty Agent exam (12-GA-04, 2 hours) and a Property & Casualty Agent COMBO exam (12-GA-06, 2.5 hours), each $67. Each line needs its own 8-hour course, so the combined license takes the 8-hour Property and 8-hour Casualty courses.
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 | 70% of questions answered correctly |
| Exam fee | $67 |
| Delivery | In person at a Pearson VUE test center (the October 2026 handbook describes no online option) |
| 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 handbook reports a percent score (0%-100%): the percentage of questions answered correctly, with forms equated so each version is comparably difficult.
Step-by-Step Licensing Process
Step 1 — Pre-Licensing Education
Complete the OCI-approved 8-hour Property and 8-hour Casualty courses (16 hours) for the combined exam. 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 $67 exam fee, and book a seat at a Pearson VUE test center (the October 2026 handbook describes test-center delivery only). Bring two forms of ID (one government-issued photo ID with signature).
Step 3 — Pass the Exam
Answer 135 questions in 150 minutes and get 70% of the questions correct. 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 — Apply for the License
After passing, apply at www.sircon.com/georgia, the Georgia Producer Portal; NIPR does not take Georgia resident applications. The Georgia fees are a $100 license fee + $20 processing fee. An application left incomplete 60 days after a deficiency notice is closed and the fee is forfeited.
Step 6 — Fingerprinting
Once the Sircon application is submitted, register with IdentoGO (ga.state.identogo.com/ata) and get fingerprinted for the GBI/FBI criminal background check; the handbook requires the application before fingerprint registration.
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 (8 + 8 hrs) | Set by the provider |
| Exam fee (Pearson VUE) | $67 |
| Fingerprinting (IdentoGO) | Paid to IdentoGO |
| License application | $100 + $20 |
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 | 16 (8 Property + 8 Casualty) |
| Exam questions | 135 total / 125 scored |
| Exam time | 150 minutes |
| Passing score | 70% of questions correct |
| Exam fee | $67 |
| Application fees | $100 + $20 |
| 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 does Pearson VUE report a Georgia P&C exam score?
As a scaled score from 200 to 800, with 500 needed to pass
As pass/fail only, with no numeric score for any candidate
As separate national and state scores that are averaged to 60
As the percentage of questions answered correctly, with 70% needed to pass
How many total questions appear on the Georgia P&C exam, and how many are scored?
135 total, 125 scored (10 unscored pretest items)
125 total, 115 scored
100 total, all scored
150 total, 135 scored
Can a new Georgia resident applicant test for the Property line only?
Yes — Pearson VUE offers a Property Agent exam (12-GA-03) after the 8-hour Property course
No — Georgia issues only a combined Property & Casualty line of authority
Yes, but only after holding a Casualty license for one year
Yes, with an additional surcharge paid to Pearson VUE
What are Georgia's minimum auto liability limits, and what kind of state is Georgia?
25/50/25 in a fault (tort) state
20/40/10 in a fault state
15/30/5 in a no-fault state
30/60/25 in a no-fault state
Which professional designation waives BOTH the pre-licensing education and the examination in Georgia?
CPCU (Chartered Property Casualty Underwriter)
ARM (Associate in Risk Management)
CIC (Certified Insurance Counselor)
CLU (Chartered Life Underwriter)
Sections you finish are checked off in the contents.