Tennessee Property & Casualty Insurance License Practice Exam
68 scored questions per exam (Property and Casualty are separate exams), scaled score of 70 to pass, 1 hour 45 minutes. No pre-licensing course for producers. IdentoGO fingerprinting after passing. Apply via NIPR — wait 48 hours.
Tennessee Property & Casualty — Study by Topic
Drill Tennessee state law (18 of the 68 scored questions per exam) or practice national P&C concepts. Property and Casualty are separate exams, each with a scaled passing score of 70.
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, professional liability, products/completed ops.
Tennessee State Law
TDCI, T.C.A. Title 56, scaled 70 per exam, 48-hr NIPR wait, IdentoGO, appointment notice 15 days, 10/30-day retake waits, guaranty association, auto 25/50/25.
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 modeled on one Pearson VUE Tennessee Property exam (50 general plus 18 Tennessee scored questions). 1 hour 45 minutes. Scaled 70 to pass.
About the Tennessee Property & Casualty Insurance Exam
The Tennessee Property and Casualty producer exams are administered by Pearson VUE for the Tennessee Department of Commerce and Insurance (TDCI). Tennessee has no combined Property and Casualty exam: Property and Casualty are separate exams, each with its own general knowledge and Tennessee-specific portions, and a Personal Lines exam is also offered. The exam fee is $55 per exam, or $80 for Property and Casualty together. Exams are taken at a Pearson VUE test center or online through OnVUE. Prelicensing education is no longer required for producer applicants (Public Chapter 57 of 2023).
Each Property or Casualty exam has 68 scored questions: 50 general knowledge and 18 Tennessee-specific, plus 9 unscored pretest questions mixed in. The time allowed is 1 hour 45 minutes. The passing score is 70 on a scaled score of 0 to 100, and Pearson VUE reports one scaled score per exam; passing candidates see only a pass, while failing candidates see a numeric score and diagnostic feedback. After you pass, you are fingerprinted at IdentoGO and apply through NIPR 48 hours or more after the exam.
Tennessee Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: I. Types of Policies | 22 | Homeowners HO-2 to HO-8, dwelling DP-1 to DP-3, commercial package and property, BOP, builders risk, cyber, inland marine, NFIP flood, earthquake, mobile homes, watercraft, farmowners, windstorm |
| Property: II. Insurance Terms and Related Concepts | 15 | Law of large numbers, risk and hazards, loss valuation, deductibles, coinsurance, occurrence, cancellation, liability, binders, endorsements |
| Property: III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, mortgagee rights, proof of loss, appraisal, other insurance, subrogation, FCRA, GLBA, TRIA |
| Casualty: I. Types of Policies, Bonds and Related Terms | 23 | CGL, personal and business auto, workers' compensation and employers liability, crime, surety and fidelity bonds, professional liability, umbrella and excess, BOP |
| Casualty: II. Insurance Terms and Related Concepts | 15 | Risk, hazards, indemnity, loss valuation, negligence, liability, occurrence, binders, warranties, representations, damages, FCRA |
| Casualty: III. Policy Provisions | 12 | Declarations, insuring agreement, conditions, exclusions, cancellation and nonrenewal, supplementary payments, proof of loss, subrogation, loss settlement, TRIA |
| TN — Laws Common to All Lines | 14 | Commissioner powers, definitions, license requirements and suspension or revocation, unfair practices, P&C guaranty association (T.C.A. §§ 56-6-101 to 56-6-126; 56-12-101 to 56-12-121), credit information (§§ 56-5-201 to 56-5-207) |
| TN — Laws Pertinent to Property Only | 4 | Fire insurance (§§ 56-7-801 to 803), personal risk (§§ 56-7-1901, 1902, 1805; 56-7-130 mandated offer), commercial risk (§§ 56-5-102, 56-7-1803 to 1806) |
| TN — Laws Pertinent to Casualty Only | 4 | Financial responsibility (§§ 55-12-102, 114, 141), uninsured motorists (§§ 56-7-1201 to 1206), auto cancellation (§§ 56-7-1302 to 1304), assigned risk (§ 56-7-1305), workers' compensation (§§ 50-6-101 to 103, 110) |
Counts are from the Pearson VUE Tennessee Insurance Content Outlines (effective October 7, 2026; the October 15, 2025 set has the same counts). The Property and Casualty rows apply to the Property and Casualty exams respectively; each exam has 50 general and 18 Tennessee-specific scored questions plus unscored pretest questions (5 general and 4 Tennessee).
What Makes the Tennessee Property & Casualty Exam Different
Separate exams, no combined P&C exam. Tennessee tests Property and Casualty separately, at $55 each or $80 for the pair, and also offers Personal Lines (100 scored questions in 2 hours, $55). At a test center, each Life, Accident & Health, Property or Casualty exam must be taken alone in one session (Pearson VUE candidate handbook).
Auto liability minimums of 25/50/25. Tennessee's minimum limits of liability are $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident and $25,000 for property damage per accident (T.C.A. § 55-12-102, as stated by the Tennessee Department of Safety). The older 25/50/15 figure is out of date.
Casualty-only state law. The 4 Casualty-only state questions cover financial responsibility (T.C.A. §§ 55-12-102, 114 and 141), uninsured motorists (§§ 56-7-1201 to 1206), automobile cancellation, the assigned risk plan (§ 56-7-1305) and workers' compensation (Title 50, Ch. 6).
No pre-licensing course for producers. Public Chapter 57 of 2023 removed the requirement that producer applicants complete a prelicensing course of study. The Department's exam page now lists a 30-hour prelicensing course only for title insurance.
Retake waits and online limits. After a first failure you wait 10 days, and after each later attempt you wait 30 days. Everyone also waits 24 hours before reserving a retake. OnVUE online testing is limited to two attempts per exam line, and further attempts must be taken at a test center (Pearson VUE candidate handbook).
Fingerprints after the exam, then a 48-hour wait. After you pass, you are fingerprinted at IdentoGO for TBI and FBI criminal history checks, at least 2 business days before you apply. Wait 48 hours after the exam to submit the application electronically through NIPR. The filing fee is $50.
Sample Tennessee Property & Casualty Insurance Exam Questions
1. What are Tennessee's minimum liability limits for motor vehicle insurance?
2. What flood insurance training does the Tennessee Department of Commerce and Insurance require, and how does it count toward continuing education?
3. A candidate who has failed an exam twice tries to take an online (OnVUE) Tennessee Property exam again. What does the Pearson VUE handbook say about online attempts?
Study Tips for the Tennessee Property & Casualty Exam
Casualty carries the most general weight. In the general part, casualty types of policies and bonds are 23 of 50 questions and property types of policies are 22 of 50. Know HO and DP forms, CGL, auto, workers' compensation and bonds first, then terms and provisions.
Learn the common state laws first. Fourteen of the 18 Tennessee questions apply to every line: Commissioner powers, licensing, suspension and revocation, unfair practices and the P&C guaranty association (T.C.A. Title 56, Chapter 6). Then take the 4 line-specific questions: fire and personal and commercial risk laws on Property, and financial responsibility, uninsured motorists, assigned risk and workers' compensation on Casualty.
Aim above 70. Pearson VUE scales scores, so 70 is a scaled score that is not simply 70% correct. The first retake wait is 10 days and later waits are 30 days.
Also licensing in life or health? See our Tennessee 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 Tennessee Property & Casualty Insurance License
There are four steps to get your Tennessee insurance producer license for the Property and Casualty lines.
Steps to Get Your Tennessee Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Register for the Exam | Tennessee requires no producer pre-licensing course. Create a Pearson VUE account under your legal name, pay $55 per exam ($80 for Property and Casualty together), and bring two forms of signature ID (one government-issued with a photo) to the test center, or take it online through OnVUE. |
| 2. Pass the Exam | Each exam allows 1 hour 45 minutes for 68 scored questions. You need a scaled score of 70. Passing candidates see a pass; failing candidates see a score and diagnostic feedback and wait 10 days before a retake. |
| 3. Get Fingerprinted | After you pass, schedule IdentoGO fingerprinting for TBI and FBI criminal history checks, at least 2 business days before you apply. |
| 4. Apply and Maintain | Apply through NIPR at least 48 hours after the exam and pay the $50 filing fee. Once licensed, complete 24 hours of continuing education each renewal period, including 3 on ethics. |
Tennessee Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Property and Casualty, taken separately (no combined exam); Personal Lines also offered |
| Questions per exam | 68 scored (50 general and 18 Tennessee) plus 9 unscored pretest |
| Time limit | 1 hour 45 minutes per exam (Personal Lines: 2 hours) |
| Passing score | 70 on a scaled 0–100 score; passing candidates receive a pass with no number |
| Pre-license education | None required for producers (Public Chapter 57 of 2023) |
| Exam fee | $55 per exam; $80 for Property and Casualty together |
| Exam vendor | Pearson VUE (test center or OnVUE) |
| Auto liability minimums | $25,000 / $50,000 bodily injury and $25,000 property damage (T.C.A. § 55-12-102) |
| Retakes | 10-day wait after first failure, 30 days after later attempts; 24 hours before a retake reservation; OnVUE limited to 2 attempts per line |
| Fingerprinting | IdentoGO, after passing; TBI and FBI checks; at least 2 business days before applying |
| Wait before applying | 48 hours after the exam for the electronic NIPR application |
| Application fee | $50 filing fee for permanent and temporary applications, good for one year |
| Continuing education | 24 credit hours per two-year renewal period, 3 on ethics; one-time 3-hour flood course counts toward the 24 |
| Licensing authority | Tennessee Department of Commerce and Insurance |
Verified against the Pearson VUE Tennessee candidate handbook (#124300) and content outlines (#124301), the Tennessee Department of Commerce and Insurance licensing and continuing education pages, the Tennessee Department of Safety financial responsibility page, and Public Chapter 57 of 2023. Fees and times change; confirm current figures with the Department and Pearson VUE before you apply.
Our free Tennessee Property & Casualty practice exam covers general and Tennessee 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 — Tennessee Property & Casualty Insurance Exam
How many questions are on the Tennessee Property and Casualty exams?
Each exam has 68 scored questions, made up of 50 general knowledge and 18 Tennessee-specific questions, plus 9 unscored pretest questions (5 general and 4 Tennessee). The time allowed is 1 hour 45 minutes per exam.
Is there a combined Property and Casualty exam in Tennessee?
No. Tennessee tests Property and Casualty as separate exams. Each costs $55, or $80 if you take Property and Casualty together. Personal Lines is a separate exam.
What is the passing score for the Tennessee insurance exam?
The Department sets a passing score of 70 on a scaled score of 0 to 100. Pearson VUE reports one scaled score per exam. Passing candidates receive only a pass; failing candidates receive a numeric score and diagnostic feedback.
What are Tennessee's minimum auto insurance limits?
$25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident and $25,000 for property damage per accident (T.C.A. § 55-12-102, as stated by the Tennessee Department of Safety).
Does Tennessee require pre-licensing education?
Not for producer applicants. Public Chapter 57 of 2023 removed the prelicensing course requirement, and the Department's exam page lists a 30-hour prelicensing course only for title insurance.
How long must I wait to retake the Tennessee exam?
10 days after a first failure and 30 days after each later attempt, and you must wait 24 hours before making a retake reservation. Online (OnVUE) testing is limited to two attempts per exam line.
Do I need fingerprints for a Tennessee producer license?
Yes. After you pass, you are fingerprinted at IdentoGO for TBI and FBI criminal history checks, at least 2 business days before you apply. Wait 48 hours after the exam to submit the electronic NIPR application.
What are Tennessee's continuing education requirements?
24 credit hours per biennial renewal period, 3 of them on ethics. A one-time 3-hour flood insurance course counts toward the 24 hours.
Practice Exam Questions — Tennessee Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which company administers the Tennessee insurance producer exams?
- Pearson VUE
- PSI
- Prometric
- The Department itself
How much does it cost to take the Tennessee Property and Casualty exams together?
- $80
- $110
- $55
- $125
What identification must a candidate present at a Tennessee test center?
- Two forms of current, unexpired signature ID, one government-issued with a photo
- Any one government-issued photo ID
- A birth certificate and Social Security card
- A pre-licensing certificate
Within what time must an insurer file a notice of appointment for a Tennessee producer, according to the Department?
- 15 days after the agency contract is executed or the first application is submitted
- 30 days after the producer is licensed
- 5 days after the exam
- 90 days after the first sale