Virginia P&C Insurance Exam 2026

Getting Your Virginia Property & Casualty License

A Virginia Property & Casualty license lets you sell and service property and casualty coverages - home, auto, commercial, and more for residents of the Commonwealth. Virginia runs one of the most candidate-friendly licensing processes in the country: no mandatory pre-licensing course, a single combined Prometric exam, and most prepared candidates go from decision to active license in about two to four weeks.

To qualify you must be at least 18, be a Virginia resident, and have a Social Security Number or FEIN. There is no sponsorship requirement - you control the pace.

One thing that trips up newcomers: Virginia has no 'Department of Insurance.' Licensing and regulation run through the State Corporation Commission (SCC), Bureau of Insurance. When the exam refers to 'the Commissioner,' that authority is exercised through the SCC.

Pre-Licensing Education: Not Required

Virginia repealed mandatory pre-licensing education for the major lines back in 2001 (Acts 2001, c. 706). For Life, Annuities, Health, Property, Casualty, and Personal Lines, you can register and sit for the exam without completing any approved course first. (Title insurance is the lone exception, with its own 16-hour requirement.)

That said, the exam is real - it carries heavy Virginia-specific state law, and the 70% bar is unforgiving. 'Not required' is not the same as 'not recommended.' A structured prep course is the difference between passing on the first try and eating a retake.

The Property & Casualty Exam (Series 11-03)

Virginia's Property & Casualty exam is the combined Property & Casualty exam, administered by Prometric. It's a combined exam delivered as four-option multiple choice, with roughly 135 scored questions plus a handful of unscored experimental questions mixed in (and not labeled).

You get 150 minutes (2.5 hours), and you need 70% to pass. Each exam blends a general section (federal product and producer knowledge) with a Virginia state-law section.

You can test in person at a Prometric center or remotely from home using Prometric's ProProctor application - just run the system compatibility check before you book the remote option. Your score appears on screen at the end and an emailed report follows; Prometric reports your result to the SCC within about two business days.

Scheduling and Exam Fees

Register and schedule directly with Prometric at prometric.com/virginia/insurance or by phone at (866) 891-6396. The exam fee is $35 per attempt, paid when you reserve (credit/debit, company check, cashier's check, or money order - no personal checks or cash).

Two timing windows matter. Your Prometric registration is valid for 90 days, so schedule and pass within that window or you'll re-register and re-pay. Separately, your passing exam result is only good for 183 days - you must submit your license application within that window or you'll have to test again.

Fingerprints and Criminal History

Virginia residents complete two background steps. First, fingerprint-based screening through Fieldprint (about $35.72) - create an account at fieldprint.com and use Fieldprint code FPVABOIProducer so results route to the Bureau of Insurance. Second, a Criminal History Record Report (CHRR) from the Virginia State Police, which you attach to your license application.

These steps are independent of the exam - you can do them before or after you test. The only sequencing rule is timing: your fingerprints can't be more than 90 days old when you submit, and your application must go in within 90 days of fingerprinting. The CHRR also can't be more than 90 days old. Scheduling fingerprints the same week as your exam keeps everything inside the windows.

Applying for Your License

Once you've passed and your background steps are done, file your producer license application electronically through NIPR or Sircon. The application fee is $15, paid by credit card, and you attach your CHRR as part of the submission.

The Bureau reviews and approves, and you can then print your license straight from NIPR or Sircon. Processing typically runs up to about 15 business days once your documentation is complete.

What It Costs

Virginia is one of the cheaper states to get licensed in, precisely because there's no pre-licensing course to buy. Budget roughly $85.72 in mandatory fees: $35 exam (Prometric) + $35.72 fingerprints (Fieldprint) + $15 application (NIPR/Sircon).

Optional prep (a TESTivity course, practice exams, study manual) sits on top of that - and given the state-law weighting, it's money well spent. Renewals later carry a small per-line fee.

Continuing Education and Renewal

A combined Property & Casualty license is a multi-line license, so you'll complete 24 hours of approved CE every two-year cycle, including 3 hours of ethics, before you submit your renewal.

There's one extra P&C requirement: a one-time, 3-hour National Flood Insurance Program (NFIP) course. Property, Casualty, and Personal Lines licensees must complete it once.

Licenses renew biennially on the last day of your birth month (you can renew up to 90 days early), filed through NIPR with a small renewal fee. Finish CE early enough for your provider to report it to the Bureau before your deadline.

Virginia-Specific Property & Casualty Topics

The 11-03 state section leans hard on Virginia P&C law - personal and commercial lines, dwelling and homeowners forms, auto, workers' compensation, and the SCC's regulatory authority. Roughly a third of the exam is Virginia-specific content.

Know Virginia's auto liability minimums: they increased to 50/100/25 ($50,000 bodily injury per person / $100,000 per accident / $25,000 property damage) effective January 1, 2025. Older study material may still quote the prior lower limits, so trust the current numbers.

As with every line, anchor on SCC authority, licensing and appointment rules, and unfair-claims/unfair-practices statutes - that's the regulatory spine the product questions hang on.

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