Pennsylvania Property & Casualty Exam Overview
Key Takeaways
As of April 2025, Pennsylvania NO LONGER requires pre-licensing education (previously 24 hours required)
The exam has 150 questions with a 2 hour 50 minute time limit and 70% passing score
Exam administered by PSI with both in-person and remote proctoring options
Fingerprinting required AFTER passing exam and applying for license (not before)
Pennsylvania uses a limited tort vs. full tort auto insurance system
Welcome to OpenExamPrep's FREE Pennsylvania Property & Casualty Insurance exam prep guide. This comprehensive resource covers Pennsylvania-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Pennsylvania P&C Exam
The Pennsylvania Property & Casualty insurance examination is administered by PSI Services on behalf of the Pennsylvania Insurance Department. Pennsylvania is the fifth-largest state by population and has a significant insurance market.
Major Change: No Pre-Licensing Required (Effective April 2025)
As of April 29, 2025, Pennsylvania eliminated the pre-licensing education requirement. You can now schedule and take the exam without completing any pre-licensing courses.
Important: While education is no longer required, it is highly recommended due to exam difficulty.
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services |
| Regulatory Authority | Pennsylvania Insurance Department |
| Exam Code | 16-06 (Combined P&C) |
| Passing Score | 70% or higher |
| Total Questions | 150 questions |
| Time Limit | 2 hours 50 minutes |
| Test Delivery | In-person or remote proctored |
| Results | Immediate |
Exam Options
Pennsylvania offers separate or combined exams:
| Exam Type | Questions | Time |
|---|---|---|
| Property Only | 75 | ~1.5 hours |
| Casualty Only | 75 | ~1.5 hours |
| Combined P&C (16-06) | 150 | 2h 50m |
Recommendation: Most candidates take the Combined P&C exam for full licensing.
Step-by-Step Licensing Process
Step 1: Study and Prepare
Although no longer required, preparation is essential:
- Complete this FREE study guide
- Review national P&C concepts
- Take practice exams
- Consider optional prep courses
Step 2: Register for the Exam
Register with PSI Services:
- Visit psiexams.com
- Create an account
- Select Pennsylvania Insurance exam (16-06)
- Pay $55 exam fee
- Choose in-person or remote proctored
Step 3: Pass the Exam
On exam day:
- Complete 150 questions in 2 hours 50 minutes
- 70% required to pass (105 of 150)
- Receive immediate results
Step 4: Apply for License
Submit application through NIPR or Sircon:
- Application fee: $55 + online service fee (about $12.50)
- Submit immediately after passing
Step 5: Complete Fingerprinting
Important: Schedule fingerprinting AFTER applying:
| Step | Details |
|---|---|
| Provider | IdentoGO |
| Cost | Paid at the IdentoGO enrollment center |
| Timing | After passing exam and applying |
| Warning | Fingerprints without application are rejected |
Step 6: Receive License
- Pennsylvania Insurance Department review
- Background check processing
- License valid for 2 years
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Exam Fee (PSI) | $55 |
| Fingerprinting (IdentoGO) | Paid at the enrollment center |
| License Application | $55 + online service fee (about $12.50) |
Note: Pennsylvania has one of the lowest licensing costs due to no pre-licensing requirement.
Pennsylvania Auto Insurance
Pennsylvania has a unique Tort Choice system:
| Option | Description |
|---|---|
| Limited Tort | Lower premiums; can only sue for serious injuries |
| Full Tort | Higher premiums; unrestricted right to sue |
Minimum Requirements
| Coverage | Minimum |
|---|---|
| Bodily Injury Liability | 15/30 |
| Property Damage | $5,000 |
| Medical Benefits | $5,000 |
| Formula | 15/30/5 |
First Party Benefits
| Coverage | Requirement |
|---|---|
| Medical Benefits | $5,000 minimum |
| Income Loss | $5,000 minimum |
| Funeral Benefits | $2,500 |
| Accidental Death | $25,000 |
Pennsylvania FAIR Plan
The Pennsylvania FAIR Plan provides property insurance for high-risk properties:
| Feature | Details |
|---|---|
| Purpose | Insurer of last resort |
| Coverage | Basic property coverage |
| Eligibility | Properties rejected by private market |
Continuing Education
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours (included) |
| Renewal | License renewal cycle |
Contact Information
| Resource | Details |
|---|---|
| PA Insurance Dept | insurance.pa.gov |
| Phone | (717) 787-2317 |
| PSI Exams | psiexams.com |
| IdentoGO | identogo.com |
What This Guide Covers
Chapter 1: Pennsylvania Insurance Regulation
- Insurance Department structure
- Pennsylvania Insurance Law
- Licensing requirements
- Producer responsibilities
Chapter 2: Pennsylvania Property Insurance
- Homeowners requirements
- Pennsylvania FAIR Plan
- Commercial property
- PA-specific provisions
Chapter 3: Pennsylvania Casualty Insurance
- Tort choice system
- Auto minimums (15/30/5)
- Workers' compensation
- Liability insurance
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Pennsylvania Insurance Guaranty Association
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 (not required) |
| Exam questions | 150 |
| Exam time | 2h 50m |
| Passing score | 70% |
| Exam fee | $55 |
| Application fee | $55 + online service fee (about $12.50) |
| Fingerprinting | Paid at the IdentoGO enrollment center |
| BI liability | 15/30 |
| PD liability | $5,000 |
| Medical benefits | $5,000 |
| CE hours | 24 every 2 years |
Next Steps
- Complete this FREE study guide - PA-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Register with PSI - Schedule exam
- Pass exam - 70%+ score
- Apply for license - NIPR or Sircon
- Complete fingerprinting - After application
- Receive license
Let's get started with Chapter 1: Pennsylvania Insurance Regulation!
As of April 2025, how many hours of pre-licensing education does Pennsylvania require?
0 hours - no longer required
20 hours
24 hours
40 hours
What is unique about Pennsylvania's auto insurance system?
It is a pure No-Fault state
It uses a Limited Tort vs. Full Tort choice system
It has no minimum coverage requirements
It requires uninsured motorist coverage
When should you schedule fingerprinting for a Pennsylvania insurance license?
Before taking the exam
At the same time as the exam
After passing the exam AND applying for the license
After receiving the license
What is the minimum property damage liability coverage required in Pennsylvania?
$5,000
$10,000
$15,000
$25,000
How long is the Pennsylvania P&C exam?
2 hours
2 hours 30 minutes
2 hours 50 minutes
3 hours
Sections you finish are checked off in the contents.