Colorado Property & Casualty Insurance License Practice Exam
Colorado requires separate exams for Property and for Casualty — 75 and 81 scored questions respectively, 70% to pass. 50 hrs pre-licensing per line required. In-person only at Pearson VUE. No fingerprinting required.
Colorado Property & Casualty — Study by Topic
Colorado requires separate Property and Casualty exams. Drill Colorado state law (~30 Qs) or practice national P&C concepts. Full exam available.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, inland marine, fire, open/named perils, ACV vs. replacement cost.
Casualty & Liability
Auto, CGL, workers' comp, umbrella, bonds, commercial auto BAP symbols, professional liability, products/completed ops.
Colorado State Law
DORA DOI, C.R.S. Title 10, no fingerprinting, 50-hr pre-license, designation exemptions, P&C guaranty association, surplus lines, cancellation rules.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full CO P&C Exam
75-question timed exam simulating the Pearson VUE Colorado Property exam. 2 hours. 70% scaled score to pass. In-person only in CO.
About the Colorado Property & Casualty Insurance License Exams
To get your Colorado Property & Casualty insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $42–$74. Colorado is regulated by the Colorado Division of Insurance (DORA DOI) under Colorado Revised Statutes Title 10. Visit doi.colorado.gov for official licensing information. DORA DOI administers P&C licensing; background check via DORA (no IdentoGO or Fieldprint); 25/50/15 auto minimums; Colorado FAIR Plan; active WC competitive market; hail and wildfire exposure along Front Range; Commissioner appointed.
Pre-licensing education in Colorado: 20 hours per line. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $27–$55 biennial. CE must be completed before submitting your Colorado renewal application. How to get licensed in Colorado: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Colorado producer license.
How to get a Colorado Property & Casualty insurance license in 2026: The Colorado Division of Insurance (DORA DOI) (doi.colorado.gov) administers all producer licensing in Colorado. Exam: Pearson VUE, $42–$74, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Colorado Property & Casualty license by completing 24 hours + 3 ethics biennial and paying the $27–$55 biennial renewal. For questions contact the Colorado Division of Insurance (DORA DOI).
DORA DOI (doi.colorado.gov). CRS Title 10. 25/50/15 auto minimums. Colorado FAIR Plan. Hail and wildfire exposure (Front Range communities). Competitive WC market. Pearson VUE exam. 20-hr pre-licensing per line. Colorado P&C Guaranty Fund.
Frequently Asked Questions — Colorado Life & Health Exam
How do I get a Colorado Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Colorado: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($42–$74, 70%); (4) Apply for your Colorado producer license. The Colorado Division of Insurance (DORA DOI) (doi.colorado.gov) oversees all insurance producer licensing in Colorado.
What exam does Colorado use for Property & Casualty insurance licensing?
Colorado uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $42–$74. Passing score: 70%. DORA DOI administers P&C licensing; background check via DORA (no IdentoGO or Fieldprint); 25/50/15 auto minimums; Colorado FAIR Plan; active WC competitive market; hail and wildfire exposure along Front Range; Commissioner appointed.
Does Colorado require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit doi.colorado.gov.
What are Colorado's CE requirements for Property & Casualty producers?
Colorado requires: 24 hours + 3 ethics biennial. Renewal fee: $27–$55 biennial. CE must be completed before submitting the renewal application. Contact the Colorado Division of Insurance (DORA DOI) at doi.colorado.gov for CE provider information.
What makes Colorado unique for Property & Casualty insurance licensing?
DORA DOI administers P&C licensing; background check via DORA (no IdentoGO or Fieldprint); 25/50/15 auto minimums; Colorado FAIR Plan; active WC competitive market; hail and wildfire exposure along Front Range; Commissioner appointed.
Practice Exam Questions — Colorado Property & Casualty
5 state-specific questions drawn from the Colorado exam content outline. Correct answer highlighted in green.
Colorado's auto insurance minimum liability requirements are:
- 25/50/25
- 25/50/15 — $25,000 per person, $50,000 per accident, $15,000 property damage; at-fault state with modified comparative negligence
- 15/30/10 (same as Arizona)
- 30/60/25
The Colorado FAIR Plan provides:
- Mandatory flood insurance for all Colorado properties
- Last-resort property coverage for owners who cannot obtain coverage in the voluntary market — especially relevant given Colorado's wildfire exposure along the Front Range
- State-sponsored competitive auto insurance
- Workers' compensation for state employees
Colorado Workers' Compensation is:
- Monopolistic — all WC must go through the State Compensation Insurance Authority
- Competitive — employers may purchase WC from licensed private carriers or self-insure; Pinnacol Assurance is Colorado's state-chartered WC insurer competing in the voluntary market (not monopolistic)
- Optional for employers with fewer than 5 employees
- Administered by the Colorado Department of Labor exclusively
Colorado's insurance regulatory structure 'DORA DOI' stands for:
- Department of Revenue and Accounting, Division of Insurance
- Department of Regulatory Agencies, Division of Insurance — DORA encompasses multiple regulatory divisions; DOI is the Division of Insurance within DORA; Commissioner appointed; doi.colorado.gov
- Department of Real Assets, Division of Insurance
- Department of Risk Administration, Office of Insurance
Hail damage in Colorado is:
- Extremely rare — not a significant risk
- A major P&C risk — Colorado consistently ranks among the top states for hail claims; Denver metro and Front Range experience severe hailstorms annually; producers must understand hail deductibles, ACV vs. replacement cost, and roof age schedules
- Covered under NFIP flood policies
- Only a risk in the eastern plains