Missouri Property & Casualty Exam Overview
Key Takeaways
Pearson VUE exam 55 is the combined Missouri Property and Casualty Insurance Producer examination
The current fee is $40 and the time limit is three hours
The February 2026 outline publishes detailed subdomain counts but contains a national-header inconsistency, so it does not support a definitive total question count
The passing standard is a scaled score of 70, not 70 percent correct
Missouri requires no producer prelicensing course; exam scores remain valid for one year
Missouri requires 25/50/25 auto liability and generally requires 25/50 uninsured-motorist bodily-injury coverage, subject to a commercial/fleet offer exception; separate UIM coverage is not generally mandated
Current Exam 55 Facts
The Missouri Property and Casualty Insurance Producer examination (code 55) is administered by Pearson VUE for the Missouri Department of Commerce and Insurance. The current Pearson VUE candidate handbook lists a $40 fee and a three-hour time limit. Missouri does not require a prelicensing course for resident producers.
| Item | Current official fact |
|---|---|
| Exam | Code 55, combined Property and Casualty |
| Provider | Pearson VUE |
| Fee | $40 |
| Time | 3 hours |
| Delivery | Current program page lists physical test centers |
| Passing standard | Scaled score 70 |
| Prelicensing | None required |
| Exam-score validity | 1 year |
A scaled 70 is not the number or percentage of questions answered correctly. Pearson VUE equates different exam forms, converts raw scores to a 0–100 scale, and reports 70 as the passing point.
February 2026 Blueprint
The effective February 1, 2026 outline publishes these detailed scored allocations:
| Component | Detailed scored allocation |
|---|---|
| Property general knowledge | Policies 22; concepts 15; provisions 13 |
| Casualty general knowledge | Policies 23; concepts 15; provisions 12 |
| Missouri-specific law | Common 20; property 10; casualty 10 |
Published-Outline Inconsistency
The combined national P&C heading says 50 scored plus 5 pretest questions, but the six printed national subsection counts total 100 scored items. The Missouri-specific heading separately says 40 scored plus 5 pretest questions. The PDF therefore does not unambiguously establish a combined total or support assigning a separate five-question pretest block to property and casualty. Study from the detailed domain allocations and confirm total-count logistics with Pearson VUE.
The old 170-question, 120-national/50-state blueprint is not the current outline. The current handbook also does not promise a 90-day partial-section retake. It states that candidates must wait one day before scheduling a reexamination.
After Passing
Apply for the producer license through NIPR after the result reaches the state system. The Missouri producer application fee is $100, and the license is biennial. Property/casualty producers complete 16 hours of continuing education every two years, including the required ethics component. Verify any third-party transaction charge at checkout rather than treating it as a fixed state fee.
Missouri Numbers and Distinctions
- Auto liability: 25/50/25—$25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
- Uninsured motorist: at least 25/50 bodily-injury protection is required for covered Missouri autos, subject to statutory rules.
- Underinsured motorist: do not assume separate UIM coverage is mandatory merely because it appears in the exam outline; Missouri law governs policies that include it, but does not impose the same general mandate as UM.
- FAIR Plan: provides a residual-market path for eligible property that cannot obtain normal-market coverage.
- Home-policy notices: scope and exceptions matter. For covered owner-occupied one- or two-family policies, nonrenewal generally requires at least 30 days' advance notice; cancellation timing differs for nonpayment and other grounds.
- Binders: a replacement policy dates coverage back to the binder; a binder cannot be used to create a rate advantage.
Study the official outline in this order: national property, national casualty, common Missouri producer law, Missouri property rules, then Missouri casualty rules.
What fee and time limit does the current handbook list for Missouri exam 55?
$40 and 3 hours
$49 and 3 hours
$40 and 2 hours
$75 and 3 hours
What does a reported passing score of 70 represent?
A scaled score
Exactly 70% correct
Exactly 98 scored answers
An average of two section percentages
What is the safest way to use the February 2026 combined P&C outline's question figures?
Use its detailed subdomain allocations and verify total-count logistics with Pearson VUE
Assume 155 questions from three separate 5-question pretest blocks
Treat all listed questions as scored
Use the retired 170-question format
What does Missouri require before a resident producer takes this examination?
No prelicensing course
Twenty hours of prelicensing
Forty hours of prelicensing
An insurer appointment
Which statement correctly distinguishes Missouri UM and separate UIM coverage?
UM 25/50 is generally required subject to a commercial/fleet offer exception; separate UIM is not generally mandated
Both are always required at 25/50
Only UIM is required
Neither appears in Missouri law
What does the current handbook say after a failed attempt?
Wait one day before scheduling reexamination
Retake only one section within 90 days
Wait six months
Scores remain permanently valid
Sections you finish are checked off in the contents.