Hawaii P&C Insurance Exam 2026

Getting your Hawaii Property & Casualty license

Hawaii makes the P&C path refreshingly direct: no mandatory pre-licensing course, no seat-time requirement. Be 18 or older, pass the required exams, clear a fingerprint background check, and apply through NIPR. If you can pass, you can get licensed.

The structural thing to know: Hawaii has no single 'Property & Casualty' exam. To carry both lines you take two separate exams - the Property exam and the Casualty exam. They both go on one producer license, and you can take both in a single test-center session since Hawaii allows up to two exams per sitting.

So the full P&C path is: study -> pass the Property exam -> pass the Casualty exam -> get fingerprinted -> apply online through NIPR -> get licensed. One application, one license, two lines of authority.

Two exams, and the score rule that trips people up

Each Hawaii producer exam has a General (national) portion and a State portion. The General portion covers the universal property and casualty concepts; the State portion covers Hawaii statutes and rules.

Here's what catches people: the two portions are scored separately and you must hit 70 on each. They're not averaged. A 90 on the national side won't save you if your Hawaii state score is a 68. The Casualty state portion in particular is meaty - it's loaded with Hawaii's motor vehicle (no-fault) law - so give the state material the respect it deserves.

The Property exam runs 120 minutes (75 General, 45 State) with 83 scored questions. The Casualty exam runs 135 minutes (75 General, 60 State) with 91 scored questions - the state portion gets the extra 15 minutes because Hawaii's auto and workers' comp statutes are dense. Both exams also include a few unscored pretest questions you can't identify, so answer everything.

What the Property & Casualty exams actually cover

On the Property side, the General portion is dominated by Types of Policies (homeowners HO-2 through HO-8, dwelling DP-1/2/3, commercial property, BOP, builders risk, inland marine, flood) and a large block of insurance terms and concepts (ACV vs. replacement cost, coinsurance, indemnity, perils, hazards, proximate cause). Then policy provisions and contract law round it out.

On the Casualty side, the General portion centers on Types of Policies, Bonds & Related Terms - commercial general liability (Coverage A/B/C, occurrence vs. claims-made), personal and commercial auto, workers' compensation and employers liability, crime, surety and fidelity bonds, professional liability, and umbrella/excess. Plus the shared terms-and-concepts and policy-provisions blocks.

The Hawaii State portion shares the common all-lines block (Commissioner, definitions, licensing, marketing practices, guaranty association) and the P&C-only block (adjusters, surplus lines/unauthorized insurers, rate regulation). Property then adds Hawaii's Standard Fire Policy, the Hawaii Property Insurance Association (HPIA), and the Hawaii Hurricane Relief Fund. Casualty adds the big one - the Hawaii Motor Vehicle Insurance Law (no-fault PIP, abolition of tort liability, compulsory limits, the Joint Underwriting Plan, TNC and peer-to-peer rules) - plus financial responsibility, UM/UIM (including stacking), motorcycle coverage, and Hawaii workers' compensation.

Test center vs. OnVUE, what to bring, and retakes

Test at a Pearson VUE center (Honolulu, Hilo, Haleiwa, Kahului) or from home via OnVUE online proctoring. One limitation: OnVUE can't combine two exams in one session, so to sit Property and Casualty back-to-back in a single visit, book a test center. Reserve at least 24 hours ahead - no walk-ins.

Bring two forms of current signature ID. The primary must be government-issued, photo-bearing, and signed (driver's license, passport, military ID); the secondary just needs a valid signature. Names must match your registration exactly, and Pearson doesn't recognize ID grace periods - expired means expired. At a test center you leave with a printed pass/fail report.

Retakes: after a test-center attempt you can re-book in 24 hours. After an OnVUE attempt you wait two weeks for the first retake, four weeks for each one after that. The $75 fee applies on every attempt.

From passing scores to an actual license

After you pass both exams, get fingerprinted through Fieldprint Hawaii. Book online and enter the code HI-DCCA-INS so the results route to the Insurance Division. The fee (about $63) covers state and federal submission. Applying for multiple license types at once means one fingerprinting; a later separate application means fingerprinting again.

Then apply electronically through NIPR within 60 days of fingerprinting and pay the resident producer license fee (currently $150). Initial paper applications aren't accepted. Both the Property and Casualty lines go on the same producer license and the same $150 application.

Already licensed for these same lines in another state? Hawaii may waive the exam - generally if you're currently licensed elsewhere for the same lines, or if you apply within 90 days of your prior license's cancellation with a good-standing certification.

Costs, continuing education, and renewal

Budget roughly: $75 per exam ($150 for Property + Casualty), about $63 for fingerprinting, and $150 for the license application - around $363 all-in for the P&C path, assuming first-try passes.

Licenses renew every two years, due the last day of your birth month - even birth-months renew in even years, odd in odd years. The resident renewal fee is currently $100.

For CE, a Property & Casualty producer needs 24 hours per two-year term - 21 hours of Property/Casualty content plus 3 hours of ethics or insurance law/rules. Finish and report all CE before submitting your renewal. Hawaii doesn't allow carryover of extra credits, and you can't repeat a course for credit within 24 months. (If you also hold Life and A&H lines, the split becomes 10 hours L&H + 11 hours P&C + 3 hours ethics/law instead.)

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