Connecticut Property & Casualty Insurance License Practice Exam
Connecticut offers Property and Casualty exams separately or combined (12-CT-04). The combined exam allows 2.5 hours, with 70% to pass. Pre-licensing is 20 hours per line (40 combined), and exams are taken in person at Pearson VUE test centers.
Connecticut Property & Casualty — Study by Topic
Drill Connecticut state law or practice general property and casualty concepts. The combined exam (12-CT-04) allows 2.5 hours, with 70% to pass. Exams are taken in person at Pearson VUE test centers.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance.
Casualty & Liability
Auto (personal auto policy, 25/50/25 minimum liability limits, UM/UIM), CGL, workers' compensation, umbrella, bonds, commercial auto.
Connecticut State Law
Insurance Department licensing rules, 20-hour single-line and 40-hour combined pre-licensing, CPCU exam exemption, pass-only score report, 25/50/25 auto limits, UM/UIM, flood training, $160 renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, COI informational only, waiver/estoppel, Connecticut cancellation rules.
🌟 Full CT P&C Exam
150-question timed practice exam modeled on the combined Connecticut Property and Casualty exam (12-CT-04): 2.5 hours, 70% to pass, taken in person at Pearson VUE.
About the Connecticut Property & Casualty Insurance Exam
Connecticut Property and Casualty producer exams are administered by Pearson VUE for the Connecticut Insurance Department. You can test for Property, Casualty, Personal Lines, or the combined Property and Casualty exam (12-CT-04). Pre-licensing education is required: 20 hours for a single line or 40 hours for the combined Property and Casualty authority, from an approved provider, and you bring the certificate (or a pre-licensing waiver letter) to the exam. Since August 1, 2025, exams are given only at Pearson VUE test centers.
Each Connecticut producer exam is a one-part exam scored as a whole, with 70% needed to pass. The Property exam has 50 general knowledge plus 25 Connecticut-specific scored questions and the Casualty exam has the same split (75 scored each), with 2 hours allowed. The combined exam has 100 general plus 30 Connecticut-specific scored questions (130 in all) and allows 2.5 hours. The exam fee is $65 for a single line and $105 for the combined exam, and a passing score is valid for one year.
Connecticut Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: I. Types of Policies | 22 | Homeowners, dwelling, commercial property, business income, BOP, builders risk, inland marine, NFIP flood, earthquake, mobile homes, watercraft, farmowners, windstorm |
| Property: II. Insurance Terms and Concepts | 15 | Insurable interest, hazard and peril, valuation, deductibles, coinsurance, cancellation and nonrenewal, negligence, binders, endorsements |
| Property: III. Policy Provisions and Contract Law | 13 | Policy structure, duties after loss, mortgagee rights, proof of loss, appraisal, subrogation, contract elements, FCRA, GLBA, TRIA |
| Casualty: I. Types of Policies, Bonds, Related Terms | 23 | CGL, personal and business auto, workers' compensation, crime, bonds, professional liability, umbrella and excess, BOP |
| Casualty: II. Insurance Terms and Concepts | 15 | Risk, hazards, indemnity, negligence, occurrence, warranties, representations, concealment, premium audit, certificates |
| Casualty: III. Policy Provisions | 12 | Policy structure, cancellation and nonrenewal, supplementary payments, proof of loss, loss settlement, TRIA |
| CT — I. Statutes Common to All Lines | 18 | Commissioner powers, hearings and penalties; licensing, appointments, continuing education, suspensions; producer duties; policy form filing, guaranty association; marketing and unfair trade and claims practices; information privacy |
| CT — II. Statutes Common to Property & Casualty | 3 | Premium financing, renewal, nonrenewal and cancellation rules for commercial, homeowners, personal auto and casualty policies, binders, surplus lines |
| CT — III. Property-Only Statutes | 4 | CT FAIR Plan, standard fire policy, flood insurance (NFIP), inland marine |
| CT — IV. Casualty-Only Statutes | 5 | Required auto coverages, liability limits, auto rating information, uninsured and underinsured motorist law, financial responsibility law, auto assigned risk plan, workers' compensation law |
Counts are from the Connecticut content outlines published by Pearson VUE (effective September 1, 2026) and show the separate Property and Casualty exams: each has 50 general scored questions and 25 Connecticut scored questions. The combined exam has 100 general scored questions and 30 Connecticut scored questions (18 common, 3 common P&C, 4 property-only and 5 casualty-only), plus unscored pretest questions.
What Makes the Connecticut Property & Casualty Exam Different
Single-line or combined exams. Connecticut offers Property (12-CT-19), Casualty (12-CT-20), Personal Lines (12-CT-18) and the combined Property and Casualty exam (12-CT-04). The single-line exams are $65 and 2 hours each; the combined exam is $105 and 2.5 hours (Pearson VUE candidate handbook).
Auto liability and UM/UIM minimums. Connecticut requires liability limits of $25,000 per person and $50,000 per accident for bodily injury plus $25,000 property damage, or a $50,000 single limit. Uninsured and underinsured motorist coverage must be at least $25,000 per person and $50,000 per accident (Connecticut Insurance Department).
One-time flood insurance training. Residents with Property and Casualty or Personal Lines authority must complete a one-time 3-credit NFIP Flood Insurance course before their next renewal, effective April 15, 2026. The credits count toward the 21 general CE credits.
In-person testing only. Pearson VUE exams for Connecticut are taken at physical test centers because online exams ended on August 1, 2025. Reservations cannot be made at the test center or through the Department, and you must book at least 24 hours ahead.
Waivers for designations. The Department waives pre-licensing for P&C and Personal Lines holders of AAI, ARM, CIC or CPCU, if a letter dated within 90 days is sent to the Department. The CPCU designation also waives the exam. The CIC exam itself does not qualify you for a producer license.
No fingerprints; two-year term. The Department states that the individual producer license does not require fingerprints. The license lasts two years and expires on the last day of your birth month; renewal is $160, late renewal totals $320, and residents complete 24 CE credits (21 general and 3 in laws, regulations or ethics).
Sample Connecticut Property & Casualty Insurance Exam Questions
1. Which auto liability limits meet Connecticut's mandatory insurance requirement?
2. What is the minimum uninsured/underinsured motorist (UM/UIM) coverage a Connecticut driver must carry?
3. A Connecticut resident producer holds Property and Casualty authority and is approaching renewal. Beginning April 15, 2026, what additional training must the producer complete before the next renewal?
Study Tips for the Connecticut Property & Casualty Exam
The Connecticut portion is smaller than the general portion (25 of 75 on a single-line exam, 30 of 130 on the combined exam), but 18 of those questions cover statutes common to all lines: commissioner powers, licensing and continuing education, producer duties and unfair trade and claims practices. Learn those first, then the casualty-only (5) and property-only (4) rules.
The general portion is large. On the combined exam, 100 general questions split evenly between Property (policy types 22, terms 15, provisions 13) and Casualty (policy types 23, terms 15, provisions 12). Know the HO and DP forms, commercial property, CGL, auto, workers' compensation and bonds.
You need 70% on the exam as a whole, and passing candidates receive only a pass report. If you fail the general section, Pearson VUE gives diagnostic feedback by content area. You can retake after 24 hours with no overall attempt limit.
Also licensing in life or health? See our Connecticut Life & Health practice exam. National content is in our property and casualty practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Connecticut Property & Casualty Insurance License
There are four steps to get your Connecticut insurance producer license for the Property and Casualty lines.
Steps to Get Your Connecticut Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours for a single line or 40 hours for the combined Property and Casualty authority from an approved provider (classroom, self-study or online). If you hold a qualifying designation, ask the Department for a pre-licensing waiver letter instead. |
| 2. Schedule the Exam | Book through Pearson VUE at least 24 hours ahead and pay $65 for a single-line exam or $105 for the combined exam. Bring your pre-licensing certificate or waiver letter and two forms of signature ID to the test center. |
| 3. Pass the Exam | You need 70%. Passing candidates get a pass report, and the Department verifies your result electronically within 1–2 business days. Your result is valid for one year. |
| 4. Apply Through NIPR | Apply for the Producer license through NIPR. The initial license fee is $140 plus a $50 nonrefundable application fee, and the license lasts two years. Property and casualty residents also complete the one-time flood training before renewal. |
Connecticut Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty; Personal Lines; combined Property and Casualty |
| Pre-license education | 20 hours per single line; 40 hours for the combined Property and Casualty authority |
| Exam | Property or Casualty: 50 general + 25 Connecticut scored questions; combined: 100 general + 30 Connecticut scored questions |
| Time limit | 2 hours for a single line; 2.5 hours for the combined exam |
| Passing score | 70%; the exam is scored as a whole |
| Exam fee | $65 single line; $105 combined (Pearson VUE candidate handbook) |
| Auto liability minimums | $25,000/$50,000 bodily injury and $25,000 property damage, or a $50,000 single limit; UM/UIM at least $25,000/$50,000 |
| Continuing education | 24 credits per renewal period: 21 general and 3 laws, regulations or ethics |
| Exam provider | Pearson VUE (in person at test centers only; online exams ended August 1, 2025) |
| Fingerprints | Not required for the producer license, per the Connecticut Insurance Department |
| Score validity | Exam results are valid for one year; apply for the license within one year of passing |
| Retakes | No overall attempt limit; wait 24 hours before reserving a retake |
| License term | Two years, expiring on the last day of your birth month (a first license may be shorter) |
| License fees | $140 initial and $160 renewal ($320 late renewal), plus a $50 nonrefundable application fee |
| Application | Apply through NIPR after the Department verifies your passing result (allow 1–2 business days) |
| Licensing authority | Connecticut Insurance Department |
Verified against the Pearson VUE Connecticut candidate handbook and content outlines and the Connecticut Insurance Department's producer licensing, exam and auto insurance pages. Fees and requirements change; confirm current figures with the Department and Pearson VUE before you apply.
Our free Connecticut Property & Casualty practice exam covers general and Connecticut content. You can also try the national property and casualty practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Connecticut Property & Casualty Insurance Exam
How many questions are on the Connecticut Property and Casualty exams?
The Property exam has 75 scored questions (50 general plus 25 Connecticut-specific) and the Casualty exam has 75 as well. The combined exam has 130 scored questions: 100 general plus 30 Connecticut-specific. Unscored pretest questions are mixed in and do not affect your score.
What is the passing score for the Connecticut insurance exam?
70%. The Pearson VUE handbook sets 70% for the producer exams, which are one-part exams scored as a whole. Passing candidates receive a pass report with no numeric score.
How much time do I get on the Connecticut Property and Casualty exam?
Two hours for a single-line Property, Casualty or Personal Lines exam and 2.5 hours for the combined Property and Casualty exam.
How many pre-licensing hours does Connecticut require?
Twenty hours for each single line and 40 hours for the combined Property and Casualty authority. Designations such as CPCU, CIC, AAI or ARM can waive pre-licensing if the Department receives a letter dated within 90 days, and CPCU also waives the exam.
What are Connecticut's minimum auto insurance limits?
Liability of $25,000 per person and $50,000 per accident for bodily injury plus $25,000 property damage, or a $50,000 single limit, and uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
Does Connecticut require fingerprints for an insurance producer license?
No. The Connecticut Insurance Department states that the individual producer license does not require fingerprints.
Can I take the Connecticut insurance exam online?
No. Online exams ended on August 1, 2025, and Connecticut producer exams are taken at Pearson VUE test centers only.
What continuing education applies to Connecticut property and casualty producers?
Residents complete 24 credits per renewal period: 21 general and 3 in laws, regulations or ethics. Those with Property and Casualty or Personal Lines authority must also complete a one-time 3-credit NFIP Flood Insurance course before their next renewal.
Practice Exam Questions — Connecticut Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
How much pre-licensing education does Connecticut require for the combined Property and Casualty producer license?
- 40 hours (20 per line)
- 20 hours total
- 60 hours
- None for residents
Which designation waives both pre-licensing and the exam for the Connecticut Property and Casualty line?
- CPCU
- CIC
- AAI
- ARM
How soon can a Connecticut candidate retake the producer exam after a failed attempt?
- After a 24-hour wait, with no overall attempt limit
- After 30 days
- After 90 days
- Only once per year
How long is a passing Connecticut producer exam result valid?
- One year
- Six months
- Two years
- It never expires