Tennessee Property & Casualty Insurance License Practice Exam
68 scored questions per section (Property + Casualty), dual 70% required on each section independently. No mandatory pre-licensing. IdentoGO fingerprinting required after passing. Apply via NIPR — wait 48 hours.
Tennessee Property & Casualty — Study by Topic
Drill Tennessee state law (~18 scored Qs per section, 25–30% of exam) or practice national P&C concepts. Dual 70% required on Property AND Casualty independently.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, open/named perils, ACV vs. replacement cost.
Casualty & Liability
Auto, CGL, WC, umbrella, bonds, commercial auto BAP symbols, professional liability, products/completed ops.
Tennessee State Law
TDCI, T.C.A. Title 56, dual-section 70%, 48-hr NIPR wait, IdentoGO, appointment 15 days, 10/30-day retakes, guaranty association, surplus lines, auto 25/50/15.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full TN P&C Exam
68-question timed exam simulating the TN P&C Property section. 2 hours. Remember: dual 70% required on Property AND Casualty independently.
About the Tennessee Property & Casualty Insurance License Exam
To get your Tennessee Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $62. Tennessee is regulated by the Tennessee Department of Commerce and Insurance (TDCI) under Tennessee Code Annotated Title 56. Visit tn.gov/commerce/insurance for official licensing information. IdentoGO fingerprinting after exam; no pre-licensing; dual-section 70% each independently for P&C; PSI Bridge 2 online attempts; 25/50/25 auto; at-fault; modified comparative negligence; up to 12 hrs CE carryover; Commissioner appointed; TCA Title 56.
Pre-licensing education in Tennessee: None required. Continuing education: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). License renewal fee: biennial. CE must be completed before submitting your Tennessee renewal application. How to get licensed in Tennessee: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Tennessee producer license.
How to get a Tennessee Property & Casualty insurance license in 2026: The Tennessee Department of Commerce and Insurance (TDCI) (tn.gov/commerce/insurance) administers all producer licensing in Tennessee. Exam: PSI Services LLC, $62, 70%. Pre-licensing: None required. Once licensed, maintain your Tennessee Property & Casualty license by completing 24 hours + 3 ethics biennial (up to 12 hours CE carryover) and paying the biennial renewal. For questions contact the Tennessee Department of Commerce and Insurance (TDCI).
TDCI (tn.gov/commerce/insurance). TCA Title 56. Dual-section 70% each independently. IdentoGO after exam. PSI Bridge 2 online attempts. 25/50/25 at-fault. Modified comparative negligence. Up to 12 hrs CE carryover.
Frequently Asked Questions — Tennessee Life & Health Exam
How do I get a Tennessee Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Tennessee: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($62, 70%); (4) Apply for your Tennessee producer license. The Tennessee Department of Commerce and Insurance (TDCI) (tn.gov/commerce/insurance) oversees all insurance producer licensing in Tennessee.
What exam does Tennessee use for Property & Casualty insurance licensing?
Tennessee uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $62. Passing score: 70%. IdentoGO fingerprinting after exam; no pre-licensing; dual-section 70% each independently for P&C; PSI Bridge 2 online attempts; 25/50/25 auto; at-fault; modified comparative negligence; up to 12 hrs CE carryover; Commissioner appointed; TCA Title 56.
Does Tennessee require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit tn.gov/commerce/insurance.
What are Tennessee's CE requirements for Property & Casualty producers?
Tennessee requires: 24 hours + 3 ethics biennial (up to 12 hours CE carryover). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Tennessee Department of Commerce and Insurance (TDCI) at tn.gov/commerce/insurance for CE provider information.
What makes Tennessee unique for Property & Casualty insurance licensing?
IdentoGO fingerprinting after exam; no pre-licensing; dual-section 70% each independently for P&C; PSI Bridge 2 online attempts; 25/50/25 auto; at-fault; modified comparative negligence; up to 12 hrs CE carryover; Commissioner appointed; TCA Title 56.
Practice Exam Questions — Tennessee Property & Casualty
5 state-specific questions drawn from the Tennessee exam content outline. Correct answer highlighted in green.
Tennessee auto minimums are:
- 15/30/10
- 25/50/25 — at-fault state; modified comparative negligence (50% bar in TN); UM/UIM must be offered; no mandatory PIP
- 30/60/25
- 25/50/10
Tennessee Workers' Compensation is:
- Monopolistic — all WC through the Tennessee Bureau of Workers' Compensation fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; TN Bureau of Workers' Compensation (BWCP) administers and adjudicates
- Optional for TN employers with fewer than 5 employees
- Administered by TDCI exclusively
Tennessee PSI Bridge 2-attempt online limit compared to SC's unlimited OnVUE:
- Both states allow unlimited online attempts
- Tennessee: PSI Bridge limited to 2 online attempts; subsequent retakes in-person; South Carolina: Pearson VUE OnVUE unlimited; TN uses PSI; SC uses Pearson VUE — different administrators with very different online policies
- Tennessee allows unlimited online; SC limits to 2
- Both states limit online to 2 attempts
Tennessee's IdentoGO timing (AFTER exam) compared to Oregon's PSI fingerprinting (ON exam day):
- Both states fingerprint before applying
- Tennessee: IdentoGO AFTER passing PSI exam (schedule separately); Oregon: $61.25 AT the PSI test center on exam day; different timing, different vendors
- Both states fingerprint at the exam center on exam day
- Both states use IdentoGO with the same process
Tennessee's primary P&C statute is:
- TCA Title 55 — Motor Vehicles
- Tennessee Code Annotated (TCA) Title 56 — Insurance; TDCI at tn.gov/commerce/insurance; Commissioner appointed; Nashville is a growing insurance hub; 500 James Robertson Pkwy, Nashville TN 37243
- TCA Title 50 — Workers' Compensation only
- Tennessee Administrative Regulations Chapter 0780 only