Virginia Property & Casualty Insurance License Practice Exam
Series 11-03: 135 scored questions plus 10 unscored pretest questions, 150 minutes, $35 exam fee. Prometric does not publish a passing score, and auto liability minimums are 50/100/25 for policies effective from 2025.
Virginia Property & Casualty — Study by Topic
Focus on Virginia insurance law or drill national concepts. The real Series 11-03 exam is one 135-question exam with no separate state section, and a full 135-question timed practice exam is available.
Property Insurance
Homeowners (HO forms), dwelling, commercial property, inland marine, fire, open vs. named perils, ACV vs. replacement cost.
Casualty & Liability
Auto insurance, CGL, workers' comp, umbrella, bonds, commercial auto, professional liability, employers' liability.
Virginia State Law
SCC Bureau of Insurance, Virginia Insurance Code (Title 38.2), auto minimums 50/100/25 from 2025, auto cancellation and nonrenewal rules, unfair trade practices.
P&C Concepts
Contract law, insurable interest, subrogation, indemnity, ACV, pro rata vs. short-rate, coinsurance, underwriting principles.
🌟 Full VA P&C Exam
135-question timed practice exam modeled on Prometric Series 11-03, which allows 2 hrs 30 min. Prometric does not publish a passing score.
About the Virginia Property & Casualty Insurance Exam
Virginia agent licensing exams are administered by Prometric for the State Corporation Commission's Bureau of Insurance. The Property and Casualty exam is Series 11-03, and Virginia also offers a separate Personal Lines exam (11-07) allowing 120 minutes. Virginia requires pre-licensing education only for the Title license, so the property and casualty exam has no education requirement. Resident applicants for a new license must be fingerprinted (Va. Code § 38.2-1819), and exams can be taken at a test center or by remote proctoring.
The Series 11-03 content outline lists 135 scored questions plus 10 unscored pretest questions, and the bulletin allows 150 minutes. The exam fee is $35. Prometric's bulletin does not publish a passing score: the total is the number correct divided by the total number of questions, and the score report shows the percentage correct in each major section. Exam results stay valid for a license application for 183 calendar days.
Virginia Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| 1. Insurance Regulation | 15% (20) | Licensing, state regulation (unfair trade practices), federal regulation (FCRA, fraud statutes), NAIC |
| 2. General Insurance | 9% (12) | Risk concepts, insurer types, agency rules, contract law |
| 3. P&C Insurance Basics | 13% (18) | Insurable interest, liability and negligence, loss valuation, policy structure, common provisions, Virginia-required provisions |
| 4. Dwelling Policy | 5% (7) | DP-1/2/3 forms, Coverages A-E, exclusions, conditions, endorsements |
| 5. Homeowners Policy | 13% (18) | HO-3/4/5/6 forms, Section I and II coverages, additional coverages, exclusions, conditions, endorsements |
| 6. Auto Insurance | 16% (21) | Virginia financial responsibility and UM/UIM laws, personal auto policy, commercial auto forms |
| 7. Commercial Package Policy (CPP) | 12% (16) | General liability, commercial property, crime, inland marine, boiler and machinery, farm coverage, endorsements |
| 8. Businessowners Policy | 5% (7) | Sections I-III, endorsements |
| 9. Workers Compensation Insurance | 7% (9) | Covered employment, Virginia assigned-risk plan |
| 10. Other Coverages and Options | 5% (7) | Umbrella/excess, specialty liability, surplus lines, surety bonds, D&O/EPL, National Flood Insurance Program, watercraft, FAIR plan |
Weights and item counts are from the Prometric Virginia content outline for Series 11-03 (135 scored questions plus 10 unscored pretest questions). The item counts listed in the outline add to 128, not 135, and the outline does not explain the difference. Virginia law is tested within the sections above rather than in a separate state portion.
What Makes the Virginia Property & Casualty Exam Different
One exam, one score. Series 11-03 is a single 135-question scored exam. The bulletin says the total score is the number correct divided by the total number of questions, with section percentages shown on the score report only to guide study. It does not describe separate passing marks for national and state sections.
Auto liability minimums. Va. Code § 46.2-472 sets minimum liability limits of $50,000 per person and $100,000 per accident for bodily injury or death and $25,000 for property damage for policies effective on or after January 1, 2025. Policies effective from January 1, 2022 to before January 1, 2025 carried 30/60/20.
Cancellation and nonrenewal notice. Under Va. Code § 38.2-2212, a motor vehicle insurer may cancel only for limited grounds: a suspended or revoked license, nonpayment of premium, or a change of legal residence. Cancellation or nonrenewal takes effect at least 45 days after notice, or at least 15 days for nonpayment.
Personal lines is separate. Virginia also offers a Personal Lines exam (Series 11-07, 120 minutes). The bulletin does not give its question count, so this page covers the Property and Casualty exam.
Retake rules and score validity. The bulletin requires a 24-hour wait before rebooking a failed exam, and Va. Code § 38.2-1817(B) imposes a 30-calendar-day wait after a third failure. Exam results are valid for a license application for 183 calendar days.
Fingerprints and application. Resident applicants are fingerprinted at a FieldPrint site by live scan (prints must be no more than 90 days old), then apply through Sircon or NIPR. Applications take about 15 business days, or at least 30 business days if you answer yes to a background question.
Sample Virginia Property & Casualty Insurance Exam Questions
1. For a Virginia motor vehicle liability policy effective on or after January 1, 2025, what are the minimum limits for bodily injury per person, bodily injury per accident, and property damage?
2. A Virginia insurer cancels a motor vehicle insurance policy for nonpayment of premium. What is the earliest the cancellation can take effect after notice is mailed or delivered?
3. A Virginia applicant passes the licensing exam but does not obtain the license. After how many calendar days does the exam grade become invalid?
Study Tips for the Virginia Property & Casualty Exam
Auto Insurance (21 questions), Insurance Regulation (20), P&C Basics (18) and Homeowners (18) are the four largest sections, together about 57% of the 135 scored questions. Study those first, then Commercial Package (16), General Insurance (12) and Workers Compensation (9).
Virginia law is tested mainly in Insurance Regulation, P&C Basics (Virginia-required provisions) and Auto Insurance (financial responsibility and UM/UIM laws). Know the current minimum limits (50/100/25 from 2025) and the cancellation notice periods in Va. Code § 38.2-2212.
No passing score is published, so aim for strong results in every section. Your report shows the percentage correct in each major section, which is a useful guide if you must retake. Retakes need a new fee and a 24-hour wait, and your result is valid for a license application for 183 days.
Also licensing in life or health? See our Virginia 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 Virginia Property & Casualty Insurance License
There are four steps to get your Virginia insurance agent license for Property and Casualty.
Steps to Get Your Virginia Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Prepare | Virginia has no pre-licensing education requirement for the Property and Casualty exam (only Title requires a course), and neither the Bureau nor Prometric approves study materials. Review the Series 11-03 content outline from Prometric. |
| 2. Register and Schedule | Register with Prometric, pay the $35 exam fee and schedule at a test center or by remote proctoring. Registration expires 90 calendar days after processing. Bring two valid IDs, the primary one government-issued with photo and signature. |
| 3. Pass the Exam | You have 150 minutes for 135 scored questions. Prometric does not publish a passing score, and your report shows the percentage correct in each major section. Your result is valid for a license application for 183 calendar days. |
| 4. Be Fingerprinted and Apply | Register and pay for live scan at a FieldPrint site, then apply through Sircon or NIPR with your documents. Processing takes about 15 business days. Renew every two years with 16 hours of CE for a single license category, including 3 hours of ethics. |
Virginia Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exam | Series 11-03 Property and Casualty, Prometric; also 11-07 Personal Lines (120 minutes) |
| Scored questions | 135, plus 10 unscored pretest questions |
| Time limit | 150 minutes |
| Exam fee | $35 per examination |
| Passing score | Not stated in the Prometric bulletin; total is number correct divided by total questions |
| Pre-license education | None for property and casualty; only the Title exam requires a 16-hour course |
| Auto liability minimums | $50,000 / $100,000 / $25,000 for policies effective on or after January 1, 2025 (Va. Code § 46.2-472) |
| Fingerprinting | Required for resident applicants through a FieldPrint live scan site (Va. Code § 38.2-1819) |
| Score validity | 183 calendar days for a license application |
| Retakes | Wait 24 hours before rebooking; after a third failure wait 30 calendar days (Va. Code § 38.2-1817) |
| License term and CE | Two years, renewed by birth month; 16 hours of CE per biennium for one license category, 3 hours of ethics |
| Testing method | Prometric test center or remote proctoring (ProProctor) |
| Licensing authority | Virginia State Corporation Commission Bureau of Insurance |
Verified against the Prometric Virginia License Information Bulletin and content outline, the State Corporation Commission Bureau of Insurance licensing page, and the Code of Virginia Titles 38.2 and 46.2. Fees and requirements change; confirm current figures with the Bureau and Prometric before you apply.
Our free Virginia Property & Casualty practice exam covers general insurance and Virginia 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 — Virginia Property & Casualty Insurance Exam
How many questions are on the Virginia Property and Casualty exam?
The Series 11-03 content outline lists 135 scored questions plus 10 unscored pretest questions, with a 150-minute time limit. The pretest questions are mixed in and not identified.
What is the passing score for the Virginia insurance exam?
The Prometric bulletin does not state a passing score. It says the total score is the number of correct answers divided by the total number of questions, and the report shows the percentage correct in each major section.
Does Virginia require pre-licensing education for Property and Casualty?
No. The Prometric bulletin specifies a pre-licensing course only for the Title exam. The Property and Casualty exam has no education requirement stated.
How much does the Virginia insurance exam cost?
The exam fee is $35 per examination, according to the State Corporation Commission and the Prometric bulletin. The application processing fee is separate, nonrefundable and nontransferable.
What are the minimum auto liability limits in Virginia?
For policies effective on or after January 1, 2025, Va. Code § 46.2-472 requires $50,000 per person and $100,000 per accident for bodily injury or death and $25,000 for property damage. Policies effective in 2022 through 2024 carried 30/60/20.
Is fingerprinting required in Virginia?
Yes for resident applicants. Va. Code § 38.2-1819 requires fingerprints for new resident licenses, and the Prometric bulletin directs candidates to a FieldPrint live scan site, with prints no more than 90 days old when submitted.
Can I take the Virginia insurance exam online?
Yes. Prometric offers Virginia insurance exams at test centers and by remote proctoring through ProProctor, which the Bureau of Insurance began offering June 1, 2020.
What are the continuing education requirements in Virginia?
Va. Code § 38.2-1866 requires 16 hours per two-year period for a single license category, including 3 hours of ethics, and 24 hours with at least 8 in each category for agents holding licenses in more than one category.
Practice Exam Questions — Virginia Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which company administers the Virginia insurance agent licensing exams for the Bureau of Insurance?
- Pearson VUE
- PSI Services
- Prometric
- The State Corporation Commission itself
Which Virginia insurance license exam requires a pre-licensing study course?
- Life, Annuities and Health
- Property and Casualty
- Personal Lines
- Title
How long does a passing Virginia exam result remain valid for a license application?
- 30 calendar days
- 90 calendar days
- 183 calendar days
- One year
After a resident applicant fails the Virginia exam three times, what must the applicant do before retaking it?
- Pay a double exam fee
- Complete a 16-hour course
- Wait 30 calendar days
- Nothing; the applicant may retake the next day