Georgia Property & Casualty Insurance License Practice Exam
125 practice questions covering national P&C concepts and Georgia-specific insurance statutes.
Georgia P&C — Study by Topic
Drill individual domains or take the full 125-question practice exam.
Property Insurance
Homeowners (HO forms), dwelling policies, inland marine, NFIP flood, commercial property, BOP.
Casualty & Liability
CGL, umbrella, professional liability, workers' comp, employers' liability, commercial auto, bonds.
Personal Auto
Georgia minimum limits (25/50/25), Financial Responsibility Law, uninsured motorist coverage, defensive driving, Georgia Automobile Insurance Plan (assigned risk).
Georgia State Law
Commissioner authority, FAIR Plan, cancellation/nonrenewal rules, Georgia Insurer Solvency Pool, workers' comp.
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Full GA P&C Exam
National P&C and Georgia-specific questions mixed to match the real Pearson VUE exam structure.
About the Georgia Property & Casualty Insurance Exam
The Georgia Property and Casualty exams are administered by Pearson VUE; agent licensing is handled by the Georgia Office of Commissioner of Insurance (OCI). Property and Casualty are separate lines with separate exams (80 scored questions each, 2 hours), and a combined Property & Casualty exam has 125 scored questions in 2.5 hours. A separate Personal Lines exam has 90 scored questions in 2 hours. Every exam carries unscored pretest items (10, or 5 for Personal Lines), and the passing score is 70%.
Georgia's prelicensing rule sets 8 hours per major line, so OCI lists a 16-hour Property and Casualty course (8 hours each for Property and Casualty) and an 8-hour Personal Lines course. New applicants submit electronic fingerprints, pay the $67 exam fee to Pearson VUE, and pay a $120 application fee through Sircon. Licenses renew every two years, by the last day of your birth month.
Georgia Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| I. Property: Types of Policies | 22 | Homeowners HO-2 to HO-7, dwelling policies, commercial property forms, BOP, builders risk, inland marine, NFIP flood, other property coverages |
| II. Property: Insurance Terms and Related Concepts | 15 | Insurable interest, hazards, loss valuation (ACV, replacement cost), proximate cause, coinsurance, indemnity, binders, cancellation and nonrenewal |
| III. Property: Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, mortgagee rights, proof of loss, appraisal, subrogation, contract elements, FCRA, GLBA, TRIA |
| IV. Casualty: Types of Policies, Bonds and Terms | 23 | CGL, personal and commercial auto, workers' compensation and employers liability, crime, bonds, professional liability, umbrella and excess, BOP |
| V. Casualty: Terms and Related Concepts | 15 | Hazards, indemnity, loss valuation, negligence, occurrence, binders, certificates of insurance, deposit premium and audit, damages |
| VI. Casualty: Policy Provisions | 12 | Declarations, insuring agreement, exclusions, duties after loss, cancellation and nonrenewal, other insurance, subrogation, consent to settle |
| GA — VII. Georgia Laws, Rules and Regulations, All Lines | 18 | Insurance Department and Commissioner (O.C.G.A. § 33-2), licensing (§ 33-23; Reg. 120-2-3), unfair trade practices, commingling and fiduciary duties |
| GA — VIII. Georgia Rules and Codes, P&C | 3–4 | Cancellation and nonrenewal (Reg. 120-2-53; §§ 33-24-44 to 47), rate regulation (§ 33-9), binders (§ 33-24-33), Georgia Insurer Solvency Pool (§ 33-36) |
| GA — IX. Georgia Rules and Codes, Property Only | 0–1 | Georgia FAIR Plan (§ 33-33) |
| GA — X. Georgia Rules and Codes, Casualty Only | 3–4 | Defensive driving (§ 33-9-42), uninsured motorist coverage (§ 33-7-11), Financial Responsibility Law (Title 40, Ch. 9), Georgia Automobile Insurance Plan (Reg. 120-2-14), workers' compensation (Reg. 120-2-37; § 34-9-133) |
Counts are from the Pearson VUE Georgia content outline effective October 22, 2024 for the combined Property & Casualty exam (125 scored plus 10 unscored pretest). Georgia sections total 24 to 27 questions on that exam because several ranges are published. The Property-only and Casualty-only exams each have 80 scored questions.
What Makes the Georgia Property & Casualty Exam Different
Property, Casualty, combined, or Personal Lines. You can test for Property or Casualty alone (80 scored questions each, 2 hours), take the combined exam (125 scored, 2.5 hours), or take the Personal Lines exam (90 scored, 2 hours), which pairs with an 8-hour Personal Lines course.
Uninsured motorist coverage. No auto liability policy may be issued in Georgia without uninsured motorist coverage unless an insured named in the policy rejects it in writing. The statutory minimum option is $25,000 per person, $50,000 per accident and $25,000 property damage, and the Financial Responsibility Law's required liability limits cross-refer to those amounts (O.C.G.A. §§ 33-7-11 and 40-9-37).
Cancellation notice. For policies that allow cancellation by the insurer, written notice must give an effective date at least 30 days after mailing or delivery, or at least 10 days for nonpayment of premium or a policy in effect under 60 days. Unearned premium is refunded pro rata (O.C.G.A. § 33-24-44).
Nonrenewal notice. Insurers must give at least 45 days' notice of nonrenewal, 75 days for workers' compensation. The 45-day rule does not apply to personal automobile or personal property and casualty policies (O.C.G.A. § 33-24-47).
Binders. A binder is valid until the policy is issued or 90 days after its effective date, whichever is shorter, and the limit does not apply to excess or surplus lines insurance (O.C.G.A. § 33-24-33).
Plans and pools. The outline tests the Georgia FAIR Plan (O.C.G.A. § 33-33), the Georgia Insurer Solvency Pool (§ 33-36) and the Georgia Automobile Insurance Plan for assigned risk (Reg. 120-2-14).
Sample Georgia Property & Casualty Insurance Exam Questions
1. What are the minimum liability limits a Georgia motor vehicle owner must carry, expressed as bodily injury per person, bodily injury per accident, and property damage?
2. A Georgia agent binds coverage on a commercial property risk. The insurer has not yet issued the policy. Under O.C.G.A. § 33-24-33, how long is the binder valid?
3. A Georgia insurer cancels a policy that permits cancellation by the insurer because the insured did not pay the premium. What is the minimum advance notice under O.C.G.A. § 33-24-44?
Study Tips for the Georgia Property & Casualty Exam
Georgia content is about 24 to 27 of the 125 scored questions on the combined exam, so most of your score comes from national property and casualty knowledge. Types of policies (22 Property, 23 Casualty) are the two largest sections, followed by terms and related concepts (15 each).
A 70% score means roughly 88 of the 125 scored questions on the combined exam. Pretest questions are unidentified, so answer every question carefully. After a failed attempt, the Pearson VUE handbook lists a 14-day wait after the first and second attempts and a 60-day wait after the third and later attempts.
Studying for the other Georgia line? Try the Georgia Life & Health practice exam.
How to Get Your Georgia Property & Casualty Insurance License
There are four steps to get your Georgia agent license in the Property and Casualty lines.
Steps to Get Your Georgia Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Prelicensing Education | Complete the approved prelicensing course. OCI lists a 16-hour Property and Casualty course, or separate 8-hour Property and Casualty courses, and an 8-hour Personal Lines course. Georgia's rule sets a minimum of 8 hours per major line. |
| 2. Licensing Exam | Reserve your exam with Pearson VUE (the $67 fee is paid at reservation). Property or Casualty alone is 2 hours and the combined exam is 2.5 hours. The passing score is 70%, and you need two forms of unexpired ID. |
| 3. Application, Fingerprints & Citizenship | Apply through Sircon on the OCI agent licensing page ($120 application fee). Register for electronic fingerprinting with the state's approved vendor, and upload a notarized Citizenship Affidavit with a copy of your ID. |
| 4. Renew and Keep Current | Renew every two years by the last day of your birth month, with 24 hours of continuing education including 3 ethics hours for resident agents with under 20 years of service. |
Georgia Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty (apply for both for the combined exam); Personal Lines is a separate line |
| Pre-license education | 8 hours per major line: 16-hour Property and Casualty course; 8-hour Personal Lines course |
| Exams | Property: 80 scored; Casualty: 80 scored; combined P&C: 125 scored; Personal Lines: 90 scored (plus 10 pretest, or 5 for Personal Lines) |
| Time limit | 2 hours (Property, Casualty or Personal Lines alone); 2.5 hours (combined) |
| Passing score | 70% on each exam |
| Exam fee | $67, paid to Pearson VUE at reservation |
| Application fee | $120 (Property and Casualty, Personal Lines) |
| Fingerprints | Electronic fingerprints through the state's approved vendor |
| Citizenship | Notarized Citizenship Affidavit and ID copy uploaded with the application |
| Auto minimum liability | $25,000 per person / $50,000 per accident / $25,000 property damage |
| License term | Two years, renewed by the last day of your birth month |
| Continuing education | 24 hours per renewal including 3 ethics hours (under 20 years of service) |
| Exam provider | Pearson VUE |
| Licensing authority | Georgia Office of Commissioner of Insurance |
Verified against the OCI agent licensing and continuing education pages, the Pearson VUE Georgia candidate handbook and content outlines, and Georgia statutes and rules. The $67 exam fee comes from the Pearson VUE handbook, so confirm current fees with OCI and Pearson VUE before you apply.
Our free Georgia Property & Casualty practice exam covers national property and casualty content plus Georgia law. You can also try the Georgia Life & Health practice exam.
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 — Georgia Property & Casualty Insurance Exam
How many questions are on the Georgia Property and Casualty exam?
The combined Property & Casualty exam has 125 scored questions plus 10 unscored pretest questions, in 2.5 hours. The Property-only and Casualty-only exams each have 80 scored questions plus 10 pretest questions, in 2 hours.
What is the passing score for the Georgia insurance exam?
The passing score is 70%, set by the Georgia Insurance Department, on every Georgia agent exam (Rule 120-2-3-.09).
Who administers the Georgia insurance exam?
Pearson VUE administers the exam. OCI handles licensing, and you apply through Sircon after passing.
How many prelicensing hours does Georgia require for Property and Casualty?
OCI lists a 16-hour Property and Casualty course, which is 8 hours each for Property and Casualty, and an 8-hour Personal Lines course. This matches the rule's minimum of 8 hours per major line (Ga. Comp. R. & Regs. 120-2-3-.08).
What are Georgia's minimum auto liability limits?
Georgia's minimum liability limits are $25,000 per person, $50,000 per accident and $25,000 for property damage. They are set through O.C.G.A. § 33-7-11(a)(1)(A) and cross-referenced by O.C.G.A. § 40-9-37.
How much does the Georgia insurance exam and license cost?
The Pearson VUE handbook lists a $67 exam fee, and OCI lists a $120 application fee for the Property and Casualty and Personal Lines licenses. Fingerprinting is paid separately to the state's vendor.
How often does a Georgia agent license renew, and how much CE is required?
Agent licenses renew every two years by the last day of your birth month. Resident agents with under 20 years of service need 24 hours of CE, including 3 ethics hours, each renewal period.