- The Series 17-04 exam has 150 scored questions plus 5 unscored items, 2 hours 30 minutes, 70% to pass.
- Auto Insurance is the heaviest domain at 13%, followed by Property and Casualty Basics and Homeowners at 12% each.
- The exam fee is $44, and Utah requires no prelicensing education for this line.
- You can test at a Prometric center or remotely via ProProctor, with instant results.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single policy definition, lock in the mechanics of the Utah Producer's Combined Property and Casualty Exam (Series 17-04). The Utah Insurance Department sets the rules, but Prometric actually administers and scores the test. Every candidate should be able to recite these facts from memory the way they'd recite a phone number:
- Format: 150 scored multiple-choice questions plus 5 unscored experimental questions (you won't know which 5 are unscored, so treat all 155 seriously).
- Time limit: 2 hours 30 minutes.
- Passing score: 70%.
- Fee: $44 per attempt.
- Prelicensing education: not required in Utah for this line.
- Testing options: in-person at a Prometric test center or remotely through ProProctor.
- Results: delivered immediately after you submit the exam.
If any of these numbers feel new to you, pause here and read the full UT P&C Study Guide 2026 before continuing - this cheat sheet assumes you already understand the basics and is meant as a rapid-fire review, not a first introduction.
Domain Breakdown Cheat Sheet
The exam is built from 10 content areas, and they are not weighted equally. Memorize this table - it tells you exactly where to spend your limited study hours.
| Domain | Weight |
|---|---|
| Auto Insurance | 13% |
| Property and Casualty Insurance Basics | 12% |
| Homeowners Policy | 12% |
| Insurance Regulation | 11% |
| Commercial Package Policy (CPP) | 11% |
| Workers Compensation Insurance | 11% |
| General Insurance | 10% |
| Businessowners Policy | 8% |
| Other Coverages and Options | 8% |
| Dwelling Policy | 4% |
Notice that six domains sit between 10% and 13% - meaning the bulk of the exam is spread fairly evenly across Regulation, General Insurance, P&C Basics, Homeowners, Auto, CPP, and Workers Comp. Dwelling Policy is the clear outlier at only 4%, so don't over-invest there at the expense of Auto or Homeowners. For a deep dive into what's actually tested inside each of these ten areas, see the UT P&C Exam Domains 2026 guide.
Auto Insurance (13% - the single largest domain)
Because this carries the most weight of any domain, treat it as your top priority in final review.
- Liability coverage parts (bodily injury vs. property damage)
- Medical payments and personal injury protection concepts
- Physical damage coverage: comprehensive vs. collision
- Uninsured/underinsured motorist coverage
- Financial responsibility and mandatory coverage concepts in Utah
Property and Casualty Insurance Basics (12%)
This domain underpins every other section - get the vocabulary and structural concepts locked in first.
- Insurable interest, indemnity, and subrogation
- Policy structure: declarations, insuring agreement, conditions, exclusions
- Named-perils vs. open-perils (all-risk) policies
- Endorsements and how they modify a base policy
Homeowners Policy (12%)
Expect scenario-based questions that test whether you can apply coverage forms correctly.
- Coverage A through F and what each actually pays for
- Perils insured against across the common HO forms
- Liability and medical payments to others under a homeowners policy
- Additional coverages: loss of use, debris removal, trees/shrubs
Registration & Fee Mechanics
Utah keeps the path to sitting for the exam relatively lean, which is a meaningful advantage compared to states with mandatory classroom hours. Here's what you need to know before you schedule:
- No prelicensing education requirement - you can self-study and go straight to scheduling once you feel ready.
- $44 exam fee is paid to Prometric at scheduling; this is separate from any later license application fee.
- Two testing modes: a physical Prometric test center, or remote proctoring through ProProctor from a compliant location.
- Immediate results - you will know pass or fail before you leave your seat or log off.
For the full picture of what you'll spend end-to-end, including any licensing costs beyond the exam fee itself, check the UT P&C Certification Cost 2026 breakdown. And if you're unsure whether you even meet the baseline eligibility rules before registering, the UT P&C Requirements 2026 guide walks through qualification details.
Key Takeaway
Because there's no prelicensing course requirement, your entire prep timeline is self-directed. Build your own schedule around domain weights instead of a fixed classroom calendar, and don't wait for "permission" to schedule your Prometric or ProProctor session once your practice scores are consistent.
High-Yield Topic Checklist by Domain
Use this as a rapid self-check the night before your exam. If any bullet makes you hesitate, flag it for one more review pass.
Insurance Regulation (11%)
- Role of the Utah Insurance Department
- Producer licensing rules, license types, and renewal concepts
- Unfair trade practices and unfair claims settlement practices
- Penalties for violations and grounds for license action
General Insurance (10%)
- Risk management concepts: avoidance, retention, transfer, reduction
- Underwriting basics and rate-making concepts
- Contract law elements as applied to insurance policies
Commercial Package Policy / Businessowners / Workers Comp (11% + 8% + 11%)
- Commercial Package Policy structure: common policy conditions plus coverage parts
- Businessowners Policy (BOP) eligibility and bundled coverage concepts
- Workers Compensation: employer obligations, monopolistic vs. competitive state funds, coverage parts A and B
Dwelling Policy (4%) & Other Coverages and Options (8%)
- Dwelling policy forms DP-1, DP-2, DP-3 and coverage differences
- Umbrella and excess liability concepts
- Inland marine and miscellaneous endorsements
If you want a domain-by-domain narrative rather than a checklist, the UT P&C Exam Domains 2026 guide explains the reasoning behind each weight and typical question phrasing.
Test Day Format & What to Expect
The exam is entirely multiple-choice, delivered on computer, whether you sit at a Prometric center or connect through ProProctor from an approved remote location. There is no essay component and no case-study writing - every question has a single best answer among the choices given.
- Arrive (or log in) with valid ID matching your registration exactly.
- You'll have 2 hours 30 minutes for 155 total questions (150 scored + 5 unscored) - that's roughly one minute per question, so pacing matters.
- Flag-and-review functionality typically lets you skip and return to uncertain items within the time limit.
- Results are shown on screen immediately after submission.
Because the pass mark is a flat 70% score with no separate per-domain minimum described in the exam's structure, your strategy should be to bank easy points fast in your strongest domains (often Auto Insurance and P&C Basics) and preserve time for the more scenario-heavy Homeowners and Commercial Package Policy questions. For a candid assessment of how tough this feels in practice, read How Hard Is the UT P&C Exam? Complete Difficulty Guide 2026, and see exactly how the 70% requirement is calculated in UT P&C Passing Score 2026.
Final-Week Review Schedule
In your last week before test day, stop learning new material and shift entirely to weighted review. Spend time proportional to each domain's exam weight rather than equal time on all ten.
Heaviest domains first
- Auto Insurance (13%) and Property & Casualty Basics (12%) - full topic pass plus timed practice questions
Second-tier weight
- Homeowners Policy (12%), Insurance Regulation (11%), Commercial Package Policy (11%), and Workers Compensation (11%)
Remaining domains
- General Insurance (10%), Businessowners Policy (8%), Other Coverages and Options (8%), Dwelling Policy (4%)
Full-length simulation
- One complete 155-question timed run under a 2-hour-30-minute clock, then light review only - no new material
Running full-length, timed practice exams on our practice test platform in the final days is the single best way to confirm your pacing matches the real 2-hour 30-minute limit before you sit for the actual Series 17-04 exam.
After You Pass: Licensing Deadlines
Passing the exam is not the finish line - Utah imposes a hard deadline on what comes next:
- 90-day window: your license application and fee must be submitted within 90 days of passing the exam, or you risk having to retest.
- Fingerprinting: initial resident applicants must complete fingerprinting at a Utah Prometric test center - plan this alongside, not after, your exam day if possible.
Missing the 90-day window can mean repeating the $44 exam fee and rescheduling, so put this date on your calendar the moment you see "Pass" on the results screen. Once licensed, many candidates start exploring where this credential leads - see UT P&C Jobs for hiring patterns and UT P&C Salary Guide 2026 for a qualitative look at compensation factors. If you're still deciding whether to pursue this path at all, Is the UT P&C Certification Worth It? Complete ROI Analysis 2026 lays out the tradeoffs.
Key Takeaway
Treat the 90-day post-exam window as seriously as the exam itself. Schedule fingerprinting and gather license application materials before test day so nothing delays your submission.
Frequently Asked Questions
The Series 17-04 exam has 150 scored multiple-choice questions plus 5 unscored experimental questions (155 total), with a 2-hour 30-minute time limit and a 70% passing score.
No. Utah does not require prelicensing education for this producer line, so you can self-study and schedule your exam once you're ready.
Auto Insurance carries the highest weight at 13%, followed closely by Property and Casualty Insurance Basics and Homeowners Policy at 12% each. Focus your remaining time on Insurance Regulation, Commercial Package Policy, and Workers Compensation, all at 11%.
Yes. In addition to testing at a physical Prometric test center, candidates can test remotely through ProProctor and still receive immediate results after submission.
You must submit your license application and fee within 90 days of passing. Initial resident applicants also need to complete fingerprinting at a Utah Prometric test center as part of the licensing process.