Utah Property & Casualty Insurance License Practice Exam
100 questions, 2.5 hrs. 70% on each section independently. No pre-licensing. Prometric fingerprinting on-site. 25/65/15 auto + PIP $3,000. Utah no-fault state. SIRCON application.
Utah Property & Casualty — Study by Topic
Drill Utah state law (Title 31A) or practice general P&C concepts. 100 questions, 2.5 hrs. 25/65/15 auto + PIP $3,000. Dual-section: 70% national AND 70% state independently.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, Utah wildfire/earthquake exposure.
Casualty & Liability
Auto (PAP, 25/65/15, PIP $3,000, UM/UIM), CGL, WC, umbrella, bonds, commercial auto, Utah no-fault modified comparative negligence.
Utah State Law
UDOI, Commissioner appointed, no pre-licensing, Prometric fingerprinting on-site, 25/65/15 + PIP $3,000, no-fault, UM/UIM offer, Utah P&C Guaranty, 24 CE + 12 classroom, $75/line renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, COI informational only, waiver/estoppel, Utah no-fault PIP mechanics.
🌟 Full UT P&C Exam
100-question timed exam simulating the Prometric Utah combined P&C exam. 150 minutes. 70% each section independently. No pre-licensing. 25/65/15 auto + PIP $3,000. Fingerprinting on-site.
About the Utah Property & Casualty Insurance License Exam
To get your Utah Property & Casualty insurance license, you must pass the state licensing exam administered by Prometric with a passing score of 70% each section independently. Exam fee: $44. Utah is regulated by the Utah Insurance Department (UDOI) under Utah Code Title 31A. Visit insurance.utah.gov for official licensing information. Prometric; ProProctor remote; 100-question combined; dual-section 70% each; Prometric fingerprinting on-site ($38 total); SIRCON kiosk on-site; 12 hrs classroom CE minimum; 25/65/15 auto (unique $65K per-accident BI); mandatory PIP $3,000 (modified no-fault, $3K tort threshold); Commissioner appointed.
Pre-licensing education in Utah: None required. Continuing education: 24 hours + 3 ethics + 12 hours classroom minimum biennial. License renewal fee: $75/line biennial. CE must be completed before submitting your Utah renewal application. How to get licensed in Utah: complete pre-licensing → submit background check/fingerprinting → pass Prometric exam → apply for Utah producer license.
How to get a Utah Property & Casualty insurance license in 2026: The Utah Insurance Department (UDOI) (insurance.utah.gov) administers all producer licensing in Utah. Exam: Prometric, $44, 70% each section independently. Pre-licensing: None required. Once licensed, maintain your Utah Property & Casualty license by completing 24 hours + 3 ethics + 12 hours classroom minimum biennial and paying the $75/line biennial renewal. For questions contact the Utah Insurance Department (UDOI).
UDOI (insurance.utah.gov). Title 31A. Prometric. 100 Qs dual-section 70% each. Prometric fingerprinting ($38). SIRCON kiosk. 25/65/15 auto (unique $65K per-accident). Mandatory PIP $3,000 (modified no-fault, $3K tort threshold). 12 hrs classroom CE minimum.
Frequently Asked Questions — Utah Property & Casualty Exam
How do I get a Utah Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Utah: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Prometric exam ($44, 70% each section independently); (4) Apply for your Utah producer license. The Utah Insurance Department (UDOI) (insurance.utah.gov) oversees all insurance producer licensing in Utah.
What exam does Utah use for Property & Casualty insurance licensing?
Utah uses Prometric to administer the Property & Casualty insurance licensing exam. Fee: $44. Passing score: 70% each section independently. Prometric; ProProctor remote; 100-question combined; dual-section 70% each; Prometric fingerprinting on-site ($38 total); SIRCON kiosk on-site; 12 hrs classroom CE minimum; 25/65/15 auto (unique $65K per-accident BI); mandatory PIP $3,000 (modified no-fault, $3K tort threshold); Commissioner appointed.
Does Utah require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit insurance.utah.gov.
What are Utah's CE requirements for Property & Casualty producers?
Utah requires: 24 hours + 3 ethics + 12 hours classroom minimum biennial. Renewal fee: $75/line biennial. CE must be completed before submitting the renewal application. Contact the Utah Insurance Department (UDOI) at insurance.utah.gov for CE provider information.
What makes Utah unique for Property & Casualty insurance licensing?
Prometric; ProProctor remote; 100-question combined; dual-section 70% each; Prometric fingerprinting on-site ($38 total); SIRCON kiosk on-site; 12 hrs classroom CE minimum; 25/65/15 auto (unique $65K per-accident BI); mandatory PIP $3,000 (modified no-fault, $3K tort threshold); Commissioner appointed.
Practice Exam Questions — Utah Property & Casualty
5 state-specific questions drawn from the Utah exam content outline. Correct answer highlighted in green.
Utah auto insurance minimums are:
- 25/50/25
- 25/50/20 (same as Nevada)
- 25/65/15 — UNIQUE: $65,000 per-accident BI limit (highest in portfolio, most states $50K); mandatory PIP $3,000 (modified no-fault); modified comparative negligence
- 15/30/10
Utah's mandatory PIP and fault system is:
- Pure no-fault like New Jersey ($250,000 PIP)
- Pure at-fault like Nevada (no PIP)
- Modified no-fault with a $3,000 tort threshold — PIP is mandatory ($3,000); if injuries cost less than $3,000 must use no-fault PIP; if injuries exceed $3,000 may sue in tort; unique balance in portfolio
- Choice no-fault like Kentucky
Utah fingerprinting AT Prometric on exam day compared to Oregon at PSI on exam day:
- Both use IdentoGO at the exam site
- Both use $61.25 fee at exam site
- Utah: at Prometric on exam day ($38 total: $32 BCI + $6 processing); Oregon: at PSI site on exam day ($61.25); both same-day-at-exam-site fingerprinting but different admins and costs
- Both use Fieldprint at the exam site
Utah's SIRCON kiosk at Prometric allows:
- Candidates to review CE transcripts
- Candidates to challenge exam questions after testing
- Candidates to apply for their Utah insurance license on-site immediately after passing — unique convenience; apply via SIRCON kiosk at Prometric, pay application fee, start licensing process before leaving
- Candidates to schedule their next exam attempt
Utah's primary P&C statute is:
- Utah Code Title 41 — Motor Vehicles only
- Utah Code Title 31A — Insurance; UDOI at insurance.utah.gov; Commissioner appointed; Prometric; 25/65/15 auto (unique $65K per-accident); mandatory PIP $3,000; 12-hr classroom CE minimum; SIRCON kiosk on-site; Prometric fingerprinting on exam day $38
- Utah Administrative Code R590 only
- Utah Code Title 34 — Labor