Virginia Property & Casualty Exam Overview

About the Virginia P&C Exam

Welcome to OpenExamPrep's FREE Virginia Property & Casualty (P&C) study guide. The Virginia Property & Casualty insurance examination is administered by Prometric on behalf of the State Corporation Commission (SCC) Bureau of Insurance, the regulator that licenses every insurance producer in the Commonwealth.

One Combined Line of Authority

Unlike states that test Property and Casualty separately, Virginia combines them into a single line called Series 11-03. One exam, one application, and one license cover both Property (homeowners, dwelling, commercial property, inland marine) and Casualty (auto liability, general liability, workers' compensation, umbrella).

Exam Specifications (2026)

Plan your pace at roughly one question per minute so you finish with time to review flagged items. Pretest (unscored) questions may be embedded, so do not assume an exact 145-item count on screen.

No Pre-Licensing Education Required

Virginia is a no-pre-licensing-education state — there is no mandatory classroom or online course before testing. You can register and sit the exam right away. That freedom is a trap for the unprepared: the 45 state-law questions cover SCC powers, Virginia-specific auto rules, and unfair-trade-practice statutes that a generic national course never touches. Budget real study time for the items in this guide.

Retake Rules

Common trap: every retake costs another $35 and is a fresh 145-question form — there is no partial credit or banking of the half you passed.

Step-by-Step Licensing Process

Step 1 — Prepare. No course is required, but master the Virginia-specific material below; the national half assumes you already know perils, policy structure, and the parts of an insurance contract.

Step 2 — Register with Prometric. Create a Prometric account, select the Virginia 11-03 exam, pay the $35 fee, and choose a test center or ProProctor remote slot. Bring two forms of ID, one government-issued with photo and signature.

Step 3 — Pass. Score 70% or higher; results print on the spot. A failed report shows your diagnostic by content area so you can target weak sections before the 24-hour retake.

Step 4 — Fingerprinting. Schedule a criminal background check through Fieldprint Virginia (about $34.95, which includes the Virginia State Police and FBI fees). Use Fieldprint code FPVABOIProducer so results route to the Bureau of Insurance. The SCC will not issue a license until prints clear.

Step 5 — Apply. File through NIPR or Sircon. You must apply within 183 calendar days of passing or the score expires and you retest. The producer application fee is $30 ($15 per line × two lines bundled into P&C) plus a small NIPR transaction fee.

Step 6 — License issued. After the SCC reviews the application and background check, the resident producer license is issued and renews on a biennial cycle.

Cost Summary

Virginia Auto Insurance — What Changed (Critical State Facts)

The state-law block tests these recent changes heavily, and old study material is wrong.

Minimum Liability Limits Rose to 50/100/25

For policies effective on or after January 1, 2025, Virginia minimums are:

Uninsured/Underinsured Motorist (UM/UIM) limits must be at least equal to the liability minimum, so they also rose to 50/100.

The $500 UMV Fee Was Repealed

Effective July 1, 2024, Virginia repealed the Uninsured Motor Vehicle (UMV) fee (SB 951). Drivers can no longer pay $500 to the DMV in lieu of insurance. Every registered vehicle must now carry at least the minimum liability policy. If an exam choice still says you may pay $500 to skip insurance, it is the wrong answer — that option no longer exists.

Continuing Education

Key Numbers to Memorize

Next, Chapter 1 covers the SCC Bureau of Insurance, the Virginia Insurance Code, and producer responsibilities.