Kentucky Property & Casualty Insurance License Practice Exam
150 questions, 190 min. 70% to pass. Apply via NIPR FIRST, then schedule through eServices. Choice no-fault state. 25/50/25 + $10,000 PIP (BRB). KARP residual market.
Kentucky Property & Casualty — Study by Topic
Drill Kentucky state law (KRS Ch. 304) or practice general P&C concepts. 150 questions, 190 min. Choice no-fault. 25/50/25 + $10K PIP. KARP. Apply via NIPR FIRST.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, Kentucky tornado/severe weather exposure.
Casualty & Liability
Auto (PAP, 25/50/25 + $10K PIP/BRB, choice no-fault, UM/UIM), CGL, WC, umbrella, bonds, KARP residual market, commercial auto.
Kentucky State Law
KY DOI direct, Commissioner appointed, 20-hr pre-licensing, AOC background, apply-then-exam workflow, eServices ATT, choice no-fault, 25/50/25 + $10K PIP, KARP, no renewal fee, CE carryover.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel, Kentucky choice no-fault.
🌟 Full KY P&C Exam
150-question timed exam simulating the KY DOI combined P&C exam. 190 minutes. 70% to pass. Choice no-fault. 25/50/25 + $10K PIP. KARP. KY DOI administers directly.
About the Kentucky Property & Casualty Insurance License Exam
To get your Kentucky Property & Casualty insurance license, you must pass the state licensing exam administered by KY DOI directly (not PSI or Pearson VUE) with a passing score of 70%. Exam fee: $50 via NIPR application. Kentucky is regulated by the Kentucky Department of Insurance (KY DOI) under Kentucky Revised Statutes Chapter 304. Visit insurance.ky.gov for official licensing information. $0 renewal fee; up to 12 hrs CE carryover; KY DOI administers exam directly; 25/50/25 auto; choice no-fault (BRB $10,000 — can reject in writing); Kentucky assigned risk plan; Commissioner appointed; apply-then-exam sequence.
Pre-licensing education in Kentucky: None required. Continuing education: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). License renewal fee: $0 biennial (unique — no renewal fee). CE must be completed before submitting your Kentucky renewal application. How to get licensed in Kentucky: complete pre-licensing → submit background check/fingerprinting → pass KY DOI directly (not PSI or Pearson VUE) exam → apply for Kentucky producer license.
How to get a Kentucky Property & Casualty insurance license in 2026: The Kentucky Department of Insurance (KY DOI) (insurance.ky.gov) administers all producer licensing in Kentucky. Exam: KY DOI directly (not PSI or Pearson VUE), $50 via NIPR application, 70%. Pre-licensing: None required. Once licensed, maintain your Kentucky Property & Casualty license by completing 24 hours + 3 ethics biennial (up to 12 hours CE carryover) and paying the $0 biennial (unique — no renewal fee) renewal. For questions contact the Kentucky Department of Insurance (KY DOI).
KY DOI (insurance.ky.gov). KRS Chapter 304. $0 renewal fee (unique). 25/50/25 auto. Choice no-fault (BRB $10,000 — reject in writing to keep full tort). Up to 12 hrs CE carryover. Apply-then-exam sequence via KY DOI.
Frequently Asked Questions — Kentucky Property & Casualty Exam
How do I get a Kentucky Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Kentucky: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the KY DOI directly (not PSI or Pearson VUE) exam ($50 via NIPR application, 70%); (4) Apply for your Kentucky producer license. The Kentucky Department of Insurance (KY DOI) (insurance.ky.gov) oversees all insurance producer licensing in Kentucky.
What exam does Kentucky use for Property & Casualty insurance licensing?
Kentucky uses KY DOI directly (not PSI or Pearson VUE) to administer the Property & Casualty insurance licensing exam. Fee: $50 via NIPR application. Passing score: 70%. $0 renewal fee; up to 12 hrs CE carryover; KY DOI administers exam directly; 25/50/25 auto; choice no-fault (BRB $10,000 — can reject in writing); Kentucky assigned risk plan; Commissioner appointed; apply-then-exam sequence.
Does Kentucky require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit insurance.ky.gov.
What are Kentucky's CE requirements for Property & Casualty producers?
Kentucky requires: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). Renewal fee: $0 biennial (unique — no renewal fee). CE must be completed before submitting the renewal application. Contact the Kentucky Department of Insurance (KY DOI) at insurance.ky.gov for CE provider information.
What makes Kentucky unique for Property & Casualty insurance licensing?
$0 renewal fee; up to 12 hrs CE carryover; KY DOI administers exam directly; 25/50/25 auto; choice no-fault (BRB $10,000 — can reject in writing); Kentucky assigned risk plan; Commissioner appointed; apply-then-exam sequence.
Practice Exam Questions — Kentucky Property & Casualty
5 state-specific questions drawn from the Kentucky exam content outline. Correct answer highlighted in green.
Kentucky's auto minimum liability requirements are:
- 15/30/10
- 25/50/25 — choice no-fault state; default BRB/PIP $10,000; reject in writing for full tort
- 30/60/25
- 25/50/10
Kentucky's $0 renewal fee compared to the portfolio:
- $90 — same as Arkansas
- $60 — same as Oklahoma
- $0 biennial — the only state in the portfolio with NO renewal fee; producers must complete 24 CE hrs + 3 ethics and renew on time, but there is no dollar fee
- $35/line — same as Wisconsin
Kentucky Workers' Compensation is:
- Monopolistic
- Competitive — employers purchase WC from licensed private carriers or self-insure; KEMI (Kentucky Employers' Mutual Insurance) is a state-created competitive carrier (not a monopoly)
- Optional for all Kentucky employers
- Administered only through the Kentucky Finance Cabinet
The Kentucky DOI administering exams directly means:
- PSI manages the schedule on KY DOI's behalf
- Pearson VUE hosts the exams at Kentucky test centers
- KY DOI administers exams directly — no PSI, Pearson VUE, or Prometric; candidates apply via NIPR → KY DOI authorization → schedule via KY DOI portal → exam → immediate results; unique in the portfolio
- Prometric hosts KY DOI exams at its test centers
Kentucky's choice no-fault auto system compared to Arkansas's system:
- Both are at-fault states with no PIP
- Both require mandatory PIP with no rejection option
- Kentucky: choice no-fault — default BRB/PIP $10,000, reject in writing for full tort; 25/50/25 minimums; Arkansas: at-fault but UM/UIM AND PIP mandatory yet rejectable in writing; 25/50/25 minimums
- Both are choice no-fault states with the same BRB amount