New Hampshire Property & Casualty Exam Overview
Key Takeaways
New Hampshire requires NO pre-licensing education for P&C insurance (one of the few states with this policy)
Exams are administered by Prometric with BOTH remote and in-person options available
Combined P&C exam is 150 questions (2.5 hours) with 70% passing score required; single-line exams are 100 questions (2 hours) each
License application fee is $210 + $5.60 NIPR fee - the HIGHEST application fee among U.S. states
CPCU designees only need to pass the New Hampshire State Law portion of the exam
New Hampshire auto minimums are 25/50/25 - the state is an At-Fault (tort) system state
Welcome to OpenExamPrep's FREE New Hampshire Property & Casualty Insurance exam prep guide. This comprehensive resource covers New Hampshire-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the New Hampshire P&C Exam
The New Hampshire Property & Casualty insurance examination is administered by Prometric on behalf of the New Hampshire Insurance Department (NHID). The exam tests your knowledge of:
- New Hampshire insurance law and regulations (RSA Title XXXVII)
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- New Hampshire's unique financial responsibility system
- Ethics and professional conduct
- Consumer protection requirements
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Prometric |
| Regulatory Authority | New Hampshire Insurance Department (NHID) |
| Passing Score | 70% or higher |
| Question Format | Multiple-choice |
| Test Delivery | In-person at Prometric centers OR remote proctored |
| Results | Immediate |
| Registration | prometric.com |
Important: New Hampshire is one of the few states offering BOTH remote proctored and in-person exam options through Prometric. This provides flexibility for candidates across the state.
Exam Options
You can take the New Hampshire P&C exam in different configurations:
| Exam Type | Questions | Time | Exam Fee |
|---|---|---|---|
| Combined P&C | 150 | 2.5 hours | $65 |
| Property Only | 100 | 2 hours | $50 |
| Casualty Only | 100 | 2 hours | $50 |
Recommendation: Most candidates take the Combined P&C exam to obtain a full Property & Casualty license in one sitting ($65 vs. $100 for separate exams).
Prometric Testing Options
In-Person Testing:
- Testing centers in Concord, Manchester, Nashua, and Portsmouth
- Full-service proctored environment
- Arrive 30 minutes early
Remote Proctored Testing:
- Test from home or office
- Requires webcam, microphone, and stable internet
- Private, quiet testing space required
- System check recommended 24 hours before exam
No Pre-Licensing Education Required
New Hampshire does NOT require pre-licensing education for Property & Casualty insurance.
What This Means
| Aspect | Details |
|---|---|
| Required Hours | 0 hours - no requirement |
| Approved Courses | Not required (but recommended) |
| Education Verification | Not needed to schedule exam |
| Timeline | Can schedule exam immediately |
CPCU Designee Fast Track
Chartered Property Casualty Underwriter (CPCU) designees have a streamlined path:
| Component | CPCU Requirement |
|---|---|
| General Knowledge | WAIVED (CPCU designation substitutes) |
| State Law Portion | MUST PASS (NH law questions only) |
| Study Time Needed | 15-20 hours (NH law only) |
| Exam Fee | $50 (state law portion only) |
CPCU Tip: Focus exclusively on New Hampshire state law content. You don't need to study national P&C content, but you must master NH's unique regulations and financial responsibility system.
Why Prep Courses Are Still Recommended
While not required, exam preparation is strongly recommended because:
- Exam Difficulty: The 70% passing score requires solid knowledge
- State-Specific Content: NH insurance laws differ from other states
- Pass Rate Improvement: Prep courses significantly increase first-time pass rates
- Time Efficiency: Structured study is more effective than self-study alone
This FREE study guide provides everything you need to prepare for the New Hampshire-specific content on the exam.
New Hampshire Insurance Market Context
The "Live Free or Die" Difference
New Hampshire stands unique in U.S. insurance regulation:
| Feature | New Hampshire | Most Other States |
|---|---|---|
| Auto Insurance Mandate | NOT required (unique!) | Mandatory minimum coverage |
| Financial Responsibility | Proof required after accident/violation | Insurance required upfront |
| Market Philosophy | Consumer choice emphasis | Mandatory coverage model |
| Pre-License Education | Not required | 20-40+ hours typically required |
What This Means for Producers
New Hampshire's approach creates unique insurance considerations:
-
Higher Uninsured Rate
- More drivers without insurance than most states
- UM/UIM coverage extremely important
- Consumer education is critical
-
Financial Responsibility System
- 25/50/25 proof required after accidents or violations
- Drivers can post bonds or cash deposits as alternative
- SR-22 required for certain violations (DWI, etc.)
-
When Insurance IS Required
- DWI/DUI convictions
- SR-22 situations
- After at-fault accidents without proof of financial responsibility
- Commercial vehicles
-
At-Fault (Tort) System
- At-fault driver's insurance pays for damages
- Modified comparative negligence applies
- Important for liability coverage understanding
New Hampshire Auto Insurance Requirements
When insurance IS required or voluntarily purchased:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage (per accident) | $25,000 |
Memory Tip: New Hampshire minimums are 25/50/25 - same as the financial responsibility proof amounts.
License Application Process
Step-by-Step Process
-
Study and Prepare (Recommended first)
- Complete this FREE study guide
- Review national P&C concepts
- Take practice quizzes
- Focus on NH-specific laws (RSA Title XXXVII)
-
Schedule and Pass the Exam
- Register at prometric.com
- Pay $65 exam fee (combined P&C) or $50 (single line)
- Choose in-person testing center OR remote proctored
- Pass with 70%+ score
-
Apply for License
- Submit application through NIPR (nipr.com)
- Pay $210 application fee + $5.60 NIPR transaction fee
- Provide all required documentation
- Complete background check authorization
-
Receive License
- NHID review includes background check
- Processing time: 2-4 weeks typical
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in New Hampshire
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Must wait 24 hours before retaking |
| Wait Period | 24 hours between attempts |
| Fee | Full exam fee per attempt ($65 or $50) |
| Attempts | Unlimited |
| Score Report | Shows performance by content area |
Note: The 24-hour wait between retakes allows time for additional study and prevents repeated test-taking without preparation.
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Exam Prep Course (Optional) | $0-300 |
| Exam Fee (Combined P&C) | $65 |
| License Application Fee | $210 |
| NIPR Transaction Fee | $5.60 |
| TOTAL (Minimum) | $280.60 |
Important: New Hampshire has the HIGHEST license application fee ($210) among U.S. states. Budget accordingly when planning your licensing costs.
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Renewal Fee | $210 |
| Late Renewal | Additional penalty fees apply |
Continuing Education Requirements
New Hampshire P&C producers must complete:
- 24 total CE hours every 2-year licensing period
- 3 hours of ethics included in the 24 hours
- Must be completed BEFORE license expiration
- CE credits from approved providers only
New Hampshire Department of Insurance Contact
| Resource | Details |
|---|---|
| Website | insurance.nh.gov |
| Consumer Hotline | 1-800-852-3416 (toll-free) |
| Main Phone | (603) 271-2261 |
| Address | 21 South Fruit Street, Suite 14, Concord, NH 03301 |
| consumerservices@ins.nh.gov | |
| Prometric Registration | prometric.com |
What This Guide Covers
This FREE study guide focuses on New Hampshire state-specific content for the P&C exam:
Chapter 1: New Hampshire Insurance Regulation & Licensing
- NH Insurance Department structure and authority
- Producer licensing requirements and procedures
- RSA Title XXXVII overview
- Continuing education requirements
Chapter 2: New Hampshire Property Insurance Laws
- Homeowners insurance requirements
- Commercial property coverage standards
- State insurance requirements and disclosures
- Claims handling requirements
Chapter 3: New Hampshire Casualty Insurance Laws
- Financial responsibility system (25/50/25)
- When auto insurance IS required in NH
- UM/UIM coverage requirements
- Workers' compensation regulations
- Liability insurance principles
Chapter 4: Ethics & Consumer Protection
- Prohibited practices (rebating, twisting, misrepresentation)
- Claims handling time requirements
- NH Insurance Guaranty Association
- Producer conduct standards
Note: This guide covers ONLY New Hampshire state law. Complete the national Property & Casualty exam prep first for foundational insurance knowledge.
Study Tips for Success
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 (not required) |
| Combined exam questions | 150 |
| Single-line exam questions | 100 |
| Combined exam time limit | 2.5 hours |
| Single-line exam time limit | 2 hours |
| Passing score | 70% |
| Exam fee (combined) | $65 |
| Exam fee (single line) | $50 |
| License application fee | $210 + $5.60 |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Auto minimums (when required) | 25/50/25 |
| Retake wait period | 24 hours |
New Hampshire-Specific Topics to Know
- Financial Responsibility System - Proof after accidents, not mandatory insurance upfront
- 25/50/25 - Financial responsibility amounts (same as auto minimums when required)
- CPCU Waiver - Designees only need state law exam
- Prometric - Testing provider with remote AND in-person options
- $210 Application Fee - Highest in the nation
- 24-Hour Retake Wait - Waiting period between exam attempts
Next Steps
Ready to begin? Here's your action plan:
- Complete this FREE study guide - Read all 4 chapters
- Study national P&C concepts - See our Property & Casualty exam prep
- Take chapter quizzes - Test your knowledge
- Register with Prometric - Schedule your exam
- Pass exam - With 70%+ score
- Apply for license via NIPR - Pay $210 + $5.60 fee
Remember: No pre-licensing is required in New Hampshire, but thorough preparation is essential. Use this guide and practice quizzes to ensure success on exam day!
Let's get started with Chapter 1: New Hampshire Insurance Regulation & Licensing!
As of 2026, how many hours of pre-licensing education does New Hampshire require before taking the Property & Casualty exam?
0 hours - no requirement
20 hours
40 hours
60 hours
Which testing provider administers New Hampshire insurance licensing exams in 2026?
PSI Services
Pearson VUE
Prometric
NHID directly
What is the license application fee for a New Hampshire P&C license?
$65 + $5.60
$100 + $5.60
$150 + $5.60
$210 + $5.60
How long must you wait between exam retake attempts in New Hampshire?
No waiting period - immediate retake allowed
24 hours
48 hours
7 days
What special provision exists for CPCU designees taking the New Hampshire P&C exam?
They are exempt from all exams
They only need to pass the New Hampshire State Law portion
They receive a 50% discount on exam fees
They can skip the background check
What are the auto liability minimum limits in New Hampshire when insurance IS required?
15/30/5
20/40/15
25/50/25
30/60/25
Sections you finish are checked off in the contents.