South Carolina Property & Casualty Insurance License Practice Exam
140 scored questions (P,C,Surety & Marine). 2.5 hrs. 70% scaled score. No pre-licensing required. SC Wind & Hail Assoc. 25/50/25 auto. SCPCIGA. 6-attempt annual limit.
South Carolina Property & Casualty — Study by Topic
Drill South Carolina state law or practice general P&C concepts. 140 scored Qs, 2.5 hrs. SC Wind & Hail Assoc. 25/50/25 auto. SCPCIGA. SCAIP residual market.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, hurricane deductibles, SC coastal exposures.
Casualty & Liability
Auto (PAP, 25/50/25, mandatory UM/UIM), CGL, WC, umbrella, bonds, commercial auto, professional liability, modified comparative negligence.
South Carolina State Law
SCDOI, Director appointed, no pre-licensing, Pearson VUE (OnVUE), 6-attempt limit, no section retake, SC Wind & Hail Assoc, SCPCIGA, SCAIP, auto 25/50/25, UM mandatory, 24 CE hrs.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel, SC 25/50/25 auto.
🌟 Full SC P&C Exam
140-scored-question timed exam simulating the Pearson VUE SC combined P&C exam. 2.5 hours. Scaled 70 to pass. SC Wind & Hail Assoc. 25/50/25 auto. SCPCIGA. No pre-licensing.
About the South Carolina Property & Casualty Insurance License Exam
To get your South Carolina Property & Casualty insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of Scaled score of 70 (0–100 scale). Exam fee: $59. South Carolina is regulated by the South Carolina Department of Insurance (SCDOI) under South Carolina Code of Laws Title 38. Visit doi.sc.gov for official licensing information. No pre-licensing; IdentoGO after NIPR; OnVUE unlimited; scaled score 70; $25/line renewal; 8 hrs/line CE; 25/50/25 auto at-fault; 50% comparative negligence threshold; SC Property & Casualty Guaranty Association; SC Wind and Hail Underwriting Association; Commissioner appointed.
Pre-licensing education in South Carolina: None required. Continuing education: 24 hours + 3 ethics + 8 hours per line held biennial. License renewal fee: $25/line biennial (lowest in portfolio). CE must be completed before submitting your South Carolina renewal application. How to get licensed in South Carolina: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for South Carolina producer license.
How to get a South Carolina Property & Casualty insurance license in 2026: The South Carolina Department of Insurance (SCDOI) (doi.sc.gov) administers all producer licensing in South Carolina. Exam: Pearson VUE, $59, Scaled score of 70 (0–100 scale). Pre-licensing: None required. Once licensed, maintain your South Carolina Property & Casualty license by completing 24 hours + 3 ethics + 8 hours per line held biennial and paying the $25/line biennial (lowest in portfolio) renewal. For questions contact the South Carolina Department of Insurance (SCDOI).
SCDOI (doi.sc.gov). SC Code Title 38. No pre-licensing. IdentoGO after NIPR. OnVUE unlimited. 25/50/25 at-fault. 50% comparative negligence bar. SC Wind & Hail Underwriting Association. $25/line renewal. 8 hrs/line CE.
Frequently Asked Questions — South Carolina Property & Casualty Exam
How do I get a South Carolina Property & Casualty insurance license?
To become a licensed Property & Casualty producer in South Carolina: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($59, Scaled score of 70 (0–100 scale)); (4) Apply for your South Carolina producer license. The South Carolina Department of Insurance (SCDOI) (doi.sc.gov) oversees all insurance producer licensing in South Carolina.
What exam does South Carolina use for Property & Casualty insurance licensing?
South Carolina uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $59. Passing score: Scaled score of 70 (0–100 scale). No pre-licensing; IdentoGO after NIPR; OnVUE unlimited; scaled score 70; $25/line renewal; 8 hrs/line CE; 25/50/25 auto at-fault; 50% comparative negligence threshold; SC Property & Casualty Guaranty Association; SC Wind and Hail Underwriting Association; Commissioner appointed.
Does South Carolina require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit doi.sc.gov.
What are South Carolina's CE requirements for Property & Casualty producers?
South Carolina requires: 24 hours + 3 ethics + 8 hours per line held biennial. Renewal fee: $25/line biennial (lowest in portfolio). CE must be completed before submitting the renewal application. Contact the South Carolina Department of Insurance (SCDOI) at doi.sc.gov for CE provider information.
What makes South Carolina unique for Property & Casualty insurance licensing?
No pre-licensing; IdentoGO after NIPR; OnVUE unlimited; scaled score 70; $25/line renewal; 8 hrs/line CE; 25/50/25 auto at-fault; 50% comparative negligence threshold; SC Property & Casualty Guaranty Association; SC Wind and Hail Underwriting Association; Commissioner appointed.
Practice Exam Questions — South Carolina Property & Casualty
5 state-specific questions drawn from the South Carolina exam content outline. Correct answer highlighted in green.
South Carolina auto minimums are:
- 15/30/10
- 25/50/10
- 25/50/25 — at-fault state; modified comparative negligence (51% bar); UM/UIM mandatory; no mandatory PIP
- 30/60/25
The SC Wind and Hail Underwriting Association provides:
- Flood coverage for all SC properties
- Last-resort wind and hail coverage for South Carolina coastal properties — important given SC's Atlantic coast hurricane exposure; distinct from the SC FAIR Plan for inland properties
- Auto insurance for SC high-risk drivers
- Workers' compensation for coastal businesses
South Carolina's unlimited Pearson VUE OnVUE attempts compared to Nevada's 2-attempt limit:
- Both limit to 2 online attempts
- SC: UNLIMITED OnVUE — candidates may retake online as many times as needed; Nevada: only 2 online attempts — all retakes after that must be in-person; Indiana: only 1 online attempt; CT: 0 (discontinued)
- Nevada allows unlimited; SC limits to 2
- Both have the same 3-attempt limit
South Carolina Workers' Compensation is:
- Monopolistic — all WC through SC State Accident Fund exclusively
- Competitive — employers purchase WC from licensed private carriers or self-insure; SCSAF (SC State Accident Fund) is a competitive state carrier; SCWCC (Workers' Compensation Commission) administers claims
- Optional for SC employers with fewer than 5 employees
- Administered by SCDOI directly
South Carolina's primary P&C statute is:
- SC Code Title 56 — Motor Vehicles
- South Carolina Code of Laws Title 38 — Insurance; SCDOI at doi.sc.gov; Commissioner appointed; unlimited OnVUE; $25/line renewal (lowest portfolio); 8 hrs/line CE + 3 ethics biennial; IdentoGO after NIPR $50.50
- SC Code Title 15 — Civil Remedies
- SC Administrative Code Chapter 69