Missouri Property & Casualty Insurance Exam 2026

Welcome to your FREE Missouri Property & Casualty (P&C) Insurance exam preparation guide. This comprehensive study resource covers Missouri-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Missouri state-specific content. You should also study national Property & Casualty insurance concepts, as approximately 71% of the exam tests general insurance knowledge.

Why Get Licensed in Missouri?

Missouri is a robust insurance market with unique opportunities:

• Central Location: Strategic position serving the Midwest insurance market
• Diverse Economy: Mix of agriculture, manufacturing, healthcare, and service industries creates varied insurance needs
• Severe Weather Market: Tornado Alley location means significant property insurance demand
• No Pre-License Education: Lower barrier to entry compared to many states
• Growing Cities: Kansas City and St. Louis metro areas offer strong urban markets
• Agriculture Insurance: Substantial farm and crop insurance opportunities in rural areas

What This Guide Covers

This FREE study guide includes:

✓ Missouri Insurance Law & Regulations - Department of Commerce & Insurance, RSMo Chapters 375-379, producer licensing ✓ Property Insurance - Homeowners, dwelling, commercial property, tornado/severe weather risks, Missouri FAIR Plan ✓ Auto & Casualty Insurance - Missouri's 25/50/25 liability requirements, mandatory UM/UIM coverage ✓ Missouri-Specific Topics - Severe weather considerations, agricultural risks, state regulations, ethics requirements ✓ Practice Questions - Multiple quiz questions in each chapter to test your knowledge

Exam Format & Requirements

Exam Structure

Critical: You must score 70% or higher on BOTH the national section (70 correct out of 100) AND the state section (28 correct out of 40). The two scores are NOT averaged. If you pass one section but not the other, you must retake the entire exam.

Exam Costs

• P&C Exam Fee: $35 (paid to Pearson VUE)
• License Application Fee: $100 (biennial license)
• Fingerprinting/Background Check: Varies by vendor (approximately $50-60)

Pre-License Education

Missouri has NO mandatory pre-license education requirement for Property & Casualty insurance. However, most successful candidates spend 50-80 hours studying exam content, taking practice tests, and reviewing both national concepts and Missouri-specific laws.

Exam Tip: While Missouri doesn't require pre-license courses, the dual-passing requirement (both sections at 70%) makes the exam challenging. Plan to study both national P&C concepts AND Missouri-specific laws thoroughly.

Exam Content Areas

National Content (71% of scored questions - 100 questions)

The national portion covers general P&C insurance principles:

1. General Insurance Principles (15-20%)

   • Risk and insurance fundamentals
   • Policy structure, provisions, and exclusions
   • Insurable interest and principle of indemnity
   • Insurance companies, operations, and regulation

2. Property Insurance (25-30%)

   • Homeowners policies (HO-2, HO-3, HO-4, HO-6, HO-8)
   • Dwelling policies (DP-1, DP-2, DP-3)
   • Commercial property (BPP, BOP, commercial property forms)
   • Inland marine and personal articles floaters

3. Casualty Insurance (25-30%)

   • Auto insurance coverage types and endorsements
   • General liability insurance
   • Commercial liability policies (CGL, professional liability)
   • Workers' compensation fundamentals

4. Other Insurance Lines (20-25%)

   • Commercial auto and garage coverage
   • Professional liability (E&O)
   • Bonds and surety
   • Risk management principles
   • Farm and agricultural insurance

Missouri State Content (29% of scored questions - 40 questions)

The Missouri-specific portion covers:

1. Missouri Insurance Regulations (30-35% of state portion)

   • Missouri Department of Commerce and Insurance authority
   • Producer licensing requirements (RSMo Chapter 375)
   • Continuing education (16 CE hours/2 years, 3 hours ethics)
   • License renewal on producer's birth date
   • Appointment requirements with insurance companies

2. Missouri-Specific Insurance Laws (25-30% of state portion)

   • Missouri Revised Statutes (RSMo) Chapters 375-379
   • Unfair trade practices (RSMo 375.930-375.948)
   • Producer responsibilities and prohibited practices
   • Consumer protection laws
   • Missouri Insurance Guaranty Association

3. Missouri Auto Insurance Requirements (20-25% of state portion)

   • Minimum liability: 25/50/25
   • Mandatory uninsured motorist (UM) coverage: 25/50
   • Mandatory underinsured motorist (UIM) coverage: 25/50
   • Financial responsibility law and SR-22 requirements
   • Missouri Automobile Insurance Verification System (MAIVS)

4. Missouri Property & Casualty Provisions (15-20% of state portion)

   • Missouri FAIR Plan for high-risk properties
   • Policy cancellation and non-renewal rules
   • Severe weather and tornado coverage considerations
   • Wind and hail deductibles
   • State-mandated disclosures and consumer protections

How to Use This Study Guide

Recommended Study Plan

Week 1-2: General Insurance & Property

• Study general insurance principles and property insurance
• Focus on policy types, coverage, and exclusions
• Complete all practice questions
• Review key takeaways and summaries

Week 3-4: Casualty & Auto Insurance

• Study casualty insurance and auto coverage
• Master liability concepts and workers' compensation
• Complete all practice questions
• Understand claims processes and endorsements

Week 5-6: Missouri State-Specific Content

• Deep dive into Missouri regulations and laws
• Focus on Missouri Department of Commerce & Insurance requirements
• Master Missouri auto insurance minimums (25/50/25 + mandatory UM/UIM)
• Study Missouri Revised Statutes Chapters 375-379
• Understand Missouri FAIR Plan and severe weather considerations

Week 7: Review & Practice

• Review all key takeaways from every section
• Retake practice questions (aim for 90%+ accuracy)
• Take full-length practice exams
• Focus heavily on weak areas
• Review Missouri-specific content one final time

Study Tips

1. Master Missouri-Specific Laws: 29% of scored questions test Missouri law—this is critical for passing
2. Know National Concepts First: Build strong foundation in general P&C insurance principles
3. Understand Missouri Auto Requirements: Know 25/50/25 liability + mandatory 25/50 UM/UIM coverage cold
4. Practice with Questions: Use quiz questions throughout this guide to test your knowledge
5. Focus on Regulatory Details: Missouri Department of Commerce & Insurance processes appear frequently
6. Remember Both Sections Must Pass: You need 70% on national AND 70% on state—not an average

Taking the Exam

Scheduling Your Exam

1. Register with Pearson VUE: Visit pearsonvue.com/mo/insurance or call 1-800-274-3926
2. Create Account: Set up a Pearson VUE account online
3. Select Exam: Choose "Property and Casualty" exam
4. Choose Testing Center: Select physical testing center location (online testing not available)
5. Pay Exam Fee: $35 exam fee (credit or debit card)

Important Change: As of May 2025, Missouri insurance exams can ONLY be taken at physical Pearson VUE testing centers. Online testing is no longer available.

Before the Exam

Required:

• Valid government-issued photo ID (driver's license or passport)
• Confirmation number from Pearson VUE
• Arrive 15-30 minutes early for check-in

Not Allowed:

• Phones, calculators, or reference materials
• Watches or electronic devices
• Notes or study materials
• Food, drinks, or gum

Provided:

• Scratch paper or dry-erase board
• Calculator (on-screen if needed)

On Exam Day

Testing Center Procedures:

• Photo taken at check-in
• Personal belongings stored in locker
• Metal detector screening
• No breaks during 3-hour exam period
• Results provided immediately after completing exam

After Passing the Exam

Next Steps:

1. Submit License Application: Apply through the Missouri Department of Commerce and Insurance within 12 months of passing exam ($100 biennial fee)
2. Complete Fingerprinting: Background check required (approximately $50-60)
3. Get Appointed: Obtain company appointments to sell insurance products
4. Receive License: Missouri Department issues license (valid for 2 years)
5. Complete CE Requirements: 16 hours of approved CE every 2 years (3 hours must be ethics), renewed on your birth date

If You Don't Pass

• Wait Time: You can retake the exam 24 hours after a failed attempt
• Retake Fee: Full $35 exam fee required for each attempt
• No Limit: Missouri has no limit on retake attempts
• Study More: Review weak areas—your score report shows which sections need improvement
• Both Sections: If you passed one section but failed the other, you still must retake the entire exam

Missouri Department of Commerce and Insurance

The Missouri Department of Commerce and Insurance (DCI) regulates the P&C insurance industry:

Missouri Department of Commerce and Insurance Contact:

• Website: dci.mo.gov and insurance.mo.gov
• Consumer Hotline: (800) 726-7390
• Producer Licensing: (573) 751-2619
• Email: consumeraffairs@dci.mo.gov
• Physical Address: 301 W. High Street, Room 530, Jefferson City, MO 65101

Missouri Insurance Market Overview

Unique Missouri Characteristics

Severe Weather Risks:

• Part of "Tornado Alley" with frequent tornado activity
• Severe thunderstorms with large hail and damaging winds
• Flash flooding along Missouri and Mississippi Rivers
• Ice storms in winter months
• Wind and hail deductibles common in homeowners policies

Agricultural Market:

• Significant crop insurance and farm coverage needs
• Livestock and agricultural equipment insurance
• Rural property exposures
• Grain elevator and farm liability coverage

Kansas City & St. Louis Markets:

• Major urban insurance markets with diverse commercial needs
• High auto insurance volume and urban driving risks
• Commercial property and liability exposures
• Professional liability and E&O opportunities

Missouri Demographics:

• Mix of urban, suburban, and rural populations
• Manufacturing, agriculture, healthcare, and service industries
• Mississippi and Missouri River flood exposures
• Historic properties in urban cores

Missouri FAIR Plan

Missouri operates a FAIR Plan (Fair Access to Insurance Requirements) for property owners who cannot obtain coverage in the standard market:

• Purpose: Provides basic property insurance for high-risk properties
• Coverage: Limited peril coverage for dwelling and contents
• Eligibility: Properties unable to obtain standard market coverage
• Insurer of Last Resort: Not intended as preferred coverage
• Higher Rates: Premiums typically higher than standard market

Ready to Start?

Let's dive into Chapter 1: Missouri P&C Insurance Regulation & Licensing to begin your exam preparation!

Remember: This content is 100% FREE. Use AI assistance whenever you get stuck—click "Ask AI" buttons throughout this guide or use the floating AI helper at the bottom right of your screen. You get 10 free AI questions per day to help you learn!

Important Resources

Official Missouri Resources

• Missouri Department of Commerce and Insurance
• Missouri Department of Insurance - Consumer Services
• Missouri Revised Statutes (RSMo)
• Pearson VUE Missouri Insurance Testing

Study Resources

• Missouri Producer Licensing Information
• Missouri FAIR Plan
• Missouri Automobile Insurance Verification System
• This FREE study guide (you're reading it!)

After Licensing

• Missouri CE Requirements
• National Insurance Producer Registry (NIPR)
• Missouri Insurance Guaranty Association