Tennessee Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Tennessee Property & Casualty (P&C) Insurance exam prep guide. This resource covers the exam logistics, licensing path, and the Tennessee-specific law that the Tennessee Department of Commerce & Insurance (TDCI) tests, current for 2026.

About the Tennessee P&C Exams

Property and Casualty are two separate licensing examinations in Tennessee, each delivered by Pearson VUE under contract with TDCI. There is no single combined-score test: you sit Property and Casualty as distinct exams and must pass each on its own. You may schedule both for the same day (the OnVUE "Property and Casualty" combination), but each is still graded separately.

Exam Structure (Per Line)

Approximately 26% of each exam (18 of 68) is Tennessee-specific, so mastering TDCI statutes is the highest-leverage use of study time. Pretest questions are unidentified and do not affect your score, but you cannot skip them — budget your 105 minutes as if all questions count.

Fees and Scoring

The examination fee is $59 per exam at a Pearson VUE test center, or $49 per exam online through OnVUE remote proctoring, paid by credit/debit card or voucher at reservation. Fees are nonrefundable and nontransferable. Tennessee offers back-to-back testing: schedule both the Property and Casualty lines on the same order and Pearson VUE applies a $30 discount off the combined total. Verify current pricing at reservation, as Pearson VUE periodically updates fees.

Scoring is pass/fail only. Tennessee sets the passing standard at 70 for reporting purposes; the score report simply reads "pass," and passers receive no numeric score. Pearson VUE transmits results to TDCI electronically. A common trap: candidates assume they will see a percentage — they will not, so do not expect a number to plan a retake around.

Reservation rule: Book online at least 24 hours before your desired date. Report to the test center 30 minutes early with two valid IDs.

No Pre-Licensing Education Required

Unlike most states, Tennessee imposes no mandatory pre-licensing course hours for resident Property or Casualty licenses. You may register for the Pearson VUE exam and sit it immediately — no certificate of completion is checked at the test center or by TDCI.

No course mandate does not mean no preparation. Successful self-study candidates typically log 40-60 hours. The 18 Tennessee questions per exam come straight from TDCI content outlines (statutes such as Tenn. Code Ann. 56-6 and 56-8), so this guide front-loads that state law.

Step-by-Step Licensing Process

1. Study national P&C concepts plus the four Tennessee chapters in this guide.
2. Reserve and pass the Pearson VUE exam (24-hour advance booking, $59 at a test center or $49 online, 105 minutes).
3. Wait 48 hours after passing before filing electronically through NIPR (www.nipr.com). This 48-hour rule applies to electronic filing; the requirement exists so scores post to TDCI first.
4. Complete fingerprinting for the state and FBI background check via the approved vendor (IdentoGO/L-1).
5. File the Uniform Application through NIPR (or a paper application) and pay the $50 filing fee. Application and filing fees remain valid for one year from receipt.
6. TDCI reviews and issues the license once all conditions are met.

Exam Retake Policy

Tennessee uses a graduated retake schedule, and there is a separate 24-hour rebooking rule that candidates often miss:

There is no cap on attempts for resident P&C lines (the 3-strikes/1-year rule applies only to the Public Adjuster exam). Still, the jump from a 10-day to a 30-day wait makes the first attempt the cheapest one to pass.

License Maintenance

• Term/renewal: producer licenses renew on a 2-year cycle.
• Continuing education (CE): 24 hours biennially, including 3 hours of ethics, from TDCI-approved providers, completed before expiration.

Tennessee Market & Auto Minimums

Tennessee sits in "Dixie Alley," so tornado, hail, wind, and flash-flood exposures drive much of its property law and claims testing. Key casualty numbers to memorize:

That is 25/50/25. Senate Bill 504 raised the property-damage floor from $15,000 to $25,000 for any split-limit policy issued or renewed after December 31, 2022, so older "25/50/15" study materials are now wrong. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage must be offered equal to liability limits; an insured declines only by written rejection. Tennessee is a tort (at-fault) state, so Personal Injury Protection (PIP) is not mandated.

Top numbers to lock in: 68 scored questions, 105 minutes, $59 fee ($49 online), pass/fail (70 standard), 48-hour post-pass wait, 10/30-day retakes, 24 CE hours (3 ethics), 25/50/25 auto.