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Free Kentucky P&C Exam Prep

Kentucky Property & Casualty Insurance

Prepare for the Kentucky P&C exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

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Your Study Path

Kentucky Property & Casualty Insurance: Study Roadmap

Follow this path to organize your exam preparation

1

National P&C Fundamentals

Master foundational P&C insurance concepts: property insurance basics, casualty insurance principles, policy structures, and general insurance concepts tested on the exam.

20
hours
Start this step
2

Kentucky P&C RegulationsYou are here

Study Kentucky-specific laws including DOI regulations, KRS Chapter 304, auto insurance requirements (25/50/25 minimums), and choice no-fault PIP system.

15
hours
3

Kentucky Property Insurance

Learn Kentucky FAIR Plan, homeowners coverage requirements, tornado/severe weather coverage, and Kentucky-specific property regulations.

10
hours
4

Kentucky Casualty & Ethics

Master choice no-fault auto system, PIP coverage, workers compensation, the Kentucky Insurance Guaranty Association (KIGA), and producer conduct standards.

10
hours
Estimated total study time
55 hours
That's about 6 weeks at 10 hours/week

Can You Take the Kentucky P&C Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
40 hours pre-license education (20 Property + 20 Casualty)
Background Check
Required: criminal background report from the Kentucky Administrative Office of the Courts (AOC), valid 60 days ($25)
Fingerprinting
Not required; Kentucky uses the AOC criminal background report instead of fingerprints
Additional Requirements
  • •40 hours pre-license education required (20 per line)
  • •Apply through NIPR and pay license and exam fees before scheduling; DOI may take up to 5 business days to process
  • •Schedule each exam by appointment through a Kentucky eServices account (no walk-ins)
  • •Property and Casualty are two separate 50-question exams; each needs 70% to pass
  • •Pre-license certificate valid for 1 year
  • •Kentucky is a CHOICE NO-FAULT auto state
  • •$10,000 PIP coverage required (can reject in writing)
  • •KRS Chapter 304 governs insurance

Kentucky P&C Quick Facts

Time to Get Licensed

3-5 weeks

From start to license in hand

Exam Provider

Kentucky DOI (state-administered; no testing vendor)

In-Person Only
Schedule Your Exam

Retake Policy

No same-day retake; pay the $50 retake fee and reschedule through eServices for the next business day or later; unlimited attempts within the 120-day application window

Temporary License

Temporary agent license is nonrenewable with a 180-day term ($20 per the Kentucky DOI fee schedule)

Total Cost Breakdown

Exam Fee$50 per exam; one combined $50 fee when Property and Casualty are requested at the same time
Application Fee$120 ($40 license class + $40 per line of authority for Property and Casualty)
Background Check$25 (AOC criminal background report)
Pre-License Education$200-350 (40-hour course required)
NIPR Transaction Fee$5.60
Total Estimated Cost$400-550

Exam Exemptions

Holders of these professional designations may be exempt from all or part of the exam:

CPCU

Chartered Property Casualty Underwriter - may qualify for exam exemption

CIC

Certified Insurance Counselor - may qualify for exam exemption

Why Choose Us

Free Kentucky P&C Prep Tools

424+ Practice Questions

Practice by topic with detailed answer explanations

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Independent Study Resources

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What You'll Study

23 chapters covering the exam topics in this guide

Kentucky P&C-Specific Topics Covered

Kentucky Department of Insurance (DOI) RegulationsKRS Chapter 304 Insurance CodeChoice No-Fault Auto Insurance System$10,000 PIP Coverage (Rejectable)Auto Insurance Minimums (25/50/25)Kentucky FAIR PlanKentucky Insurance Guaranty Association (KIGA, KRS 304.36)20 Hours Pre-Licensing Education Per Line (40 for Property + Casualty)DOI Administers Exams Directly (No Testing Vendor)Workers' Compensation RequirementsProducer Licensing & CE Requirements (24 hrs)Tornado/Severe Weather Coverage

Kentucky P&C Exam Details

Kentucky Property & Casualty Insurance

Administered by Kentucky Department of Insurance (DOI)

Official Source
70% on each exam (806 KAR 9:025)
Passing Score
Two
Questions
Not
Time Limit
$50 exam fee (one combined fee when Property and Casualty are requested together) + $120 license fees ($40 license class + $40 per line of authority) + $5.60 NIPR + $25 AOC background report
Exam Fee
Study time: 60-80 hours
Prerequisites: 40 hours pre-license education (20 hours per line: Property + Casualty)

Exam Content Breakdown

Based on the official Kentucky Department of Insurance (DOI) content outline

Property exam: General Insurance (Units 1-4)20%

Principles of insurance 6%, the insurance contract 6%, company organization and regulation 2%, the insurance transaction 6% (10 of 50 questions)

Property exam: Personal Lines Property (Units 5, 7-10)36%

Introduction to property insurance 8%, dwelling 4%, homeowners 10%, personal auto physical damage 6%, miscellaneous personal including flood and FAIR Plans 8% (18 questions)

Property exam: Commercial Lines (Units 11-14, 17, 19)36%

Commercial package 6%, businessowners 6%, commercial property 6%, ocean and inland marine 4%, commercial crime 6%, miscellaneous commercial 8% (18 questions)

Property exam: Kentucky Law8%

KRS Chapter 304 agent licensing, unfair practices, cancellation and nonrenewal, guaranty fund, and fraud provisions (4 questions)

Casualty exam: General Insurance (Units 1-4)26%

Principles of insurance 8%, the insurance contract 8%, company organization and regulation 2%, the insurance transaction 8% (13 of 50 questions)

Casualty exam: Liability Basics and Personal Lines (Units 6, 8-10)26%

Introduction to liability insurance 8%, homeowners Section II 4%, personal auto 10%, miscellaneous personal including umbrella 4% (13 questions)

Casualty exam: Commercial Lines (Units 11, 12, 15-19)38%

Commercial package 4%, businessowners 4%, commercial general liability 8%, commercial auto 4%, commercial crime 2%, workers' compensation 10%, miscellaneous commercial 6% (19 questions)

Casualty exam: Kentucky Law10%

KRS Chapter 304 agent licensing, unfair practices, auto plan, no-fault (KRS 304.39), cancellation and nonrenewal, guaranty fund, fraud, and KRS 342 workers' compensation (5 questions)

What's Included

23 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

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What's Next After the Kentucky P&C?

After passing the Kentucky P&C, you can pursue these career paths

Kentucky P&C Exam FAQ

Official Kentucky Department of Insurance (DOI) Resources

Verify information with these official sources

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