Utah Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Utah Property & Casualty Insurance exam prep guide covering Utah-specific regulations, licensing requirements, and state insurance laws under Utah Code Title 31A.

About the Utah P&C Exam

The Utah Property & Casualty insurance examination is administered by Prometric on behalf of the Utah Insurance Department. This state-specific exam tests your knowledge of Utah insurance laws, regulations, and market practices.

Comprehensive Exam Structure

What the Exam Tests

National Content (≈70% of exam):

• Property insurance principles (homeowners, commercial property)
• Casualty insurance principles (auto, liability, workers' comp)
• Insurance contracts and policy provisions
• Risk management and underwriting
• Claims handling and loss adjustment
• Insurance regulations (general principles)

Utah State-Specific Content (≈30% of exam):

• Utah Code Title 31A (Insurance Code)
• Utah Insurance Department structure and authority
• Utah producer licensing and continuing education
• Utah auto insurance requirements (30/65/25 liability + $3,000 PIP)
• Utah property insurance regulations
• Utah-specific prohibited practices and penalties
• Utah claims handling requirements
• Utah market conduct standards

Exam Tip: While 70% of the exam covers national P&C principles, the 30% Utah state content is critical. Many candidates underestimate state-specific questions and fail as a result. This guide focuses on Utah-specific content—pair it with national P&C study materials for comprehensive preparation.

Pre-Licensing Education Requirements

No Mandatory Education—But Self-Study is Essential

Utah has NO mandatory pre-licensing education requirement for Property & Casualty insurance, making it one of the more accessible states for licensing:

What Utah Does NOT Require:

• ✗ No required classroom hours
• ✗ No mandated online courses
• ✗ No approved education providers needed
• ✗ No certificates of completion
• ✗ No sponsorship from insurance agencies

What This Means:

• ✓ Anyone can schedule and take the exam without pre-license courses
• ✓ Lower upfront costs (no mandatory course fees of $200-$500)
• ✓ Faster licensing timeline (no waiting for course completion)
• ✓ Self-paced study approach works for many candidates

Recommended Study Time

However, successful candidates typically invest:

Study Timeline Examples:

Intensive Track (2-3 weeks):

• Study 4-5 hours per day
• Take exam within 3 weeks
• Best for: Full-time students or those between jobs

Standard Track (4-6 weeks):

• Study 2-3 hours per day
• Take exam within 6 weeks
• Best for: Most candidates balancing work/life

Extended Track (8-12 weeks):

• Study 1 hour per day
• Take exam within 12 weeks
• Best for: Working professionals with limited study time

Exam Tip: While Utah doesn't require pre-license courses, the 70% passing threshold means thorough preparation is essential. Don't underestimate the exam—treat your self-study as seriously as a formal course.

The Complete Licensing Process

Step-by-Step Process (5 Steps)

Step 1: Prepare for the Exam

• Study national P&C insurance principles (40-50 hours recommended)
• Study Utah-specific laws using this guide (10-15 hours)
• Take practice exams until consistently scoring 85%+
• Review Utah Code Title 31A key provisions
• Cost: $0 (using free resources) to $300 (if purchasing study materials)

Step 2: Schedule and Take the Exam

• Visit Pearson VUE website: www.pearsonvue.com/ut/insurance
• Create account (if first-time test-taker)
• Schedule exam at testing center or online (if available)
• Pay $49 exam fee
• Bring valid government-issued photo ID (driver's license or passport)
• Receive immediate pass/fail notification upon completion

Step 3: Complete Fingerprinting & Background Check

• Critical Deadline: Must complete within 6 months of passing exam
• Schedule fingerprinting through IdentoGO: www.identogo.com
• Select "Utah Insurance Department" as requesting agency
• Pay $60 fingerprinting fee
• Bring valid photo ID to fingerprinting appointment
• FBI and Utah criminal background check conducted
• Results sent directly to Utah Insurance Department
• Note: Fingerprint results valid for 60 days—must submit license application within 60 days of fingerprinting

Exam Tip: The 6-month deadline for fingerprinting after passing the exam is strictly enforced. Miss this deadline and you'll need to retake the exam. However, once fingerprinted, you have only 60 days to submit your license application.

Step 4: Submit License Application

• Apply through Sircon (National Insurance Producer Registry): home.sircon.com/app/
• Create Sircon account (if new applicant)
• Select "Utah" and "Producer License"
• Complete application with personal information, employment history (10 years), exam results
• Disclose any criminal history or prior regulatory actions
• Pay fees: $185 application + $5.60 transaction fee = $190.60 total
• Processing time: Typically 5-10 business days if all requirements met
• License issued electronically through Sircon portal

Step 5: Obtain Company Appointment

• Having a license does NOT authorize you to sell insurance
• Must be appointed by at least one insurance company
• Insurance company submits appointment through Sircon within 15 days of contract execution
• Appointment fee: $40 per company (paid by company or producer, per agreement)
• Multiple appointments allowed (can represent multiple insurers)
• License + appointment = ability to transact insurance business

Total Licensing Costs

What This Guide Covers

This guide focuses on Utah state-specific content that appears on the 40 Utah questions (≈30% of the exam). Pair this guide with national P&C study materials for comprehensive exam preparation.

Chapter 1: Utah P&C Regulation & Licensing

• Utah Insurance Department structure and authority
• Utah Insurance Commissioner (appointed by Governor)
• Producer licensing requirements and process
• Continuing education (24 hours/2 years including 3 ethics hours)
• Utah Code Title 31A overview
• Rate regulation (file-and-use system)
• Producer responsibilities and duties
• Record keeping requirements (5 years)
• License renewal and reinstatement

Chapter 2: Utah Property Insurance

• Homeowners insurance (ISO forms used in Utah)
• Utah earthquake risk and coverage considerations
• Commercial property insurance
• Utah claims handling standards
• Property loss settlement requirements
• Utah-specific policy provisions
• Disaster preparedness and earthquake insurance
• Replacement cost vs. actual cash value

Chapter 3: Utah Auto & Casualty Insurance

• Updated 2026: Utah auto requirements (30/65/25 liability—increased January 1, 2025)
• Mandatory PIP coverage ($3,000 minimum)
• Utah's modified no-fault system and lawsuit threshold
• Uninsured/underinsured motorist (UM/UIM) coverage requirements
• Workers' compensation requirements (1+ employees)
• Utah Labor Commission oversight
• Liability insurance standards
• SR-22 requirements and financial responsibility

Chapter 4: Utah Ethics & Professional Conduct

• Fiduciary duties and premium handling
• Prohibited practices (rebating, twisting, misrepresentation)
• Utah-specific ethical standards
• Consumer protection requirements
• Disclosure obligations
• Disciplinary actions and penalties
• Professional conduct standards
• Conflicts of interest

Utah Insurance Department Contact

How to Use This Guide Effectively

Study Strategy for Success

Phase 1: Foundation (Weeks 1-2)

1. Read Introduction thoroughly
2. Study Chapter 1 (Regulation & Licensing)
3. Complete all quiz questions
4. Review key takeaways daily
5. Take notes on Utah-specific requirements

Phase 2: Coverage Deep-Dive (Weeks 3-4)

1. Study Chapter 2 (Property Insurance)
2. Study Chapter 3 (Auto & Casualty Insurance)
3. Complete all quiz questions
4. Create flashcards for Utah requirements (30/65/25, $3,000 PIP, etc.)
5. Review Utah Code Title 31A provisions

Phase 3: Ethics & Review (Week 5)

1. Study Chapter 4 (Ethics & Professional Conduct)
2. Review all chapters and key takeaways
3. Retake all quiz questions (aim for 100%)
4. Identify weak areas and re-study

Phase 4: Practice Testing (Week 6)

1. Take full-length practice exams
2. Review explanations for all missed questions
3. Focus additional study on weak topics
4. Aim for consistent 85%+ scores before scheduling exam

Day Before Exam:

• Light review of key takeaways only
• Review Utah-specific numbers (30/65/25, $3,000 PIP, 24 CE hours, 3 ethics hours)
• Get good sleep (8 hours)
• Avoid cramming new material

Exam Day:

• Arrive 15 minutes early to testing center
• Bring valid photo ID
• Read each question carefully
• Eliminate obviously wrong answers
• Trust your preparation

Study Tips for Utah State Questions

Memorize These Key Numbers:

• Auto liability: 30/65/25 ($30,000/$65,000/$25,000)
• Mandatory PIP: $3,000 minimum
• No-fault lawsuit threshold: $3,000 medical expenses
• CE requirement: 24 hours every 2 years
• Ethics CE: 3 hours required
• Fingerprinting deadline: 6 months after passing exam
• License application: 60 days after fingerprinting
• Record retention: 5 years
• License renewal: Every 2 years
• Address change reporting: 30 days
• Company appointment reporting: Within 15 days of contract execution

Understand Utah's Unique Features:

• No pre-licensing education required (unlike many states)
• $65,000 per-accident bodily injury limit (higher than most states' $50,000)
• Modified no-fault system with lawsuit threshold
• File-and-use rate regulation
• Commissioner appointed by Governor (not elected)
• Workers' comp required for 1+ employees (broader than many states)

Exam Tip: Schedule your exam when you're consistently scoring 85-90%+ on practice tests. If scoring below 80%, continue studying—don't waste the $49 exam fee and risk delaying your licensing.

Additional Resources

Official Utah Resources:

• Utah Code Title 31A: le.utah.gov/xcode/Title31A/31A.html
• Utah Insurance Rules: insurance.utah.gov/consumers/legal-resources/rules/
• Sircon Producer Portal: home.sircon.com/app/
• Pearson VUE Utah Insurance: www.pearsonvue.com/ut/insurance

Study Materials:

• This FREE OpenExamPrep guide (Utah state content)
• National P&C textbook or online course (national content)
• Practice exam providers (Kaplan, ExamFX, etc.)

Good luck on your Utah Property & Casualty exam! 🎓