- Utah's Series 17-04 exam requires a 70% score across 150 scored questions to pass.
- Auto Insurance is the single largest domain at 13%, followed by Property and Casualty Basics and Homeowners Policy at 12% each.
- Utah has no prelicensing education requirement, so your pass/fail outcome depends almost entirely on self-directed prep.
- You get results immediately after finishing, whether at a Prometric center or via ProProctor remote proctoring.
What the Pass Rate Data Actually Shows
If you searched for a single published percentage - "X% of candidates pass the Utah P&C exam" - you're not alone, and you're also not going to find a reliable public figure that the Utah Insurance Department or Prometric releases on a regular schedule for the Producer's Combined Property and Casualty Exam (Series 17-04). That absence of a headline number is itself useful information: it means the most trustworthy way to gauge your odds isn't a scraped statistic, it's understanding exactly how the exam is built and scored, then measuring your own readiness against that structure.
What we do know with certainty, straight from the exam blueprint, is the passing standard: candidates need to answer 70% of the 150 scored questions correctly within a 2-hour 30-minute window. That's the real "pass rate" that matters to you individually - not what some cohort averaged last quarter, but whether your command of the ten content domains clears that threshold on exam day.
How the Utah P&C Exam Is Scored
The Series 17-04 exam contains 150 scored multiple-choice questions plus 5 unscored experimental items - 155 total questions on the screen, though only 150 count toward your score. You won't know which five are experimental, so treat every question as if it counts. You have 2 hours and 30 minutes to finish, and you need 70% correct on the scored portion to pass.
Results are delivered immediately after you complete the exam, regardless of whether you test at a physical Prometric center or remotely through ProProctor. That instant feedback loop is a double-edged sword: there's no waiting period to second-guess yourself, but it also means there's no cushion for "I'll find out later." Walking in prepared is the only lever you control.
Key Takeaway
Because 70% of 150 scored questions means roughly 105 correct answers are needed, a handful of careless mistakes across the smaller domains can matter as much as gaps in the larger ones. Precision matters everywhere, not just in the heavily weighted sections.
Which Domains Drive Difficulty
The exam isn't evenly distributed across topics. Some domains carry nearly three times the weight of others, and that imbalance should shape how you allocate study time. For a full breakdown of what's tested inside each area, the UT P&C Exam Domains 2026: Complete Guide to All 10 Content Areas is worth reading alongside this one.
| 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% |
Auto Insurance (13%)
As the largest single domain, Auto Insurance deserves the most dedicated review time. Expect questions on liability limits, uninsured/underinsured motorist coverage, physical damage coverage, and exclusions specific to personal auto policies.
- Know the difference between liability, collision, and comprehensive coverage triggers
- Understand how Utah-specific financial responsibility rules interact with policy limits
Property and Casualty Insurance Basics (12%)
This domain covers the foundational vocabulary and concepts - policy structure, underwriting concepts, and contract law principles - that underpin every other domain. Weakness here tends to ripple into lower scores across Homeowners, Dwelling, and CPP questions too.
- Master definitions of terms like indemnity, insurable interest, and warranty vs. representation
- Review how basic contract principles apply differently to property vs. casualty lines
Notice that Dwelling Policy sits at just 4% - the smallest domain - while Homeowners Policy carries 12%. Candidates sometimes conflate the two lines during study and shortchange Homeowners because Dwelling "feels" similar. That mismatch in effort versus weight is a subtle way scores slip below 70%.
Common Reasons Candidates Miss the 70% Mark
Since Utah does not require prelicensing education for this producer line, nothing stands between you and the test center except your own preparation plan. That freedom is convenient, but it also removes the built-in structure that a mandated course would otherwise provide. A few patterns show up repeatedly among candidates who fall short:
- Treating all domains equally. Spending the same number of hours on Dwelling Policy (4%) as on Auto Insurance (13%) is a poor use of limited study time.
- Skipping the regulatory material. Insurance Regulation (11%) and General Insurance (10%) questions are often less "interesting" than coverage scenarios, so candidates under-review them and lose easy points.
- Underestimating the clock. With 150 scored questions plus 5 unscored ones in 2 hours 30 minutes, pacing matters. Getting stuck on ambiguous wording in Commercial Package Policy or Workers Compensation questions can eat time needed elsewhere.
- Not practicing under exam-like conditions. Whether you plan to test at a Prometric center or through ProProctor, simulating the timed, multiple-choice format beforehand builds the stamina the real exam demands.
If you're still trying to gauge how challenging this exam is relative to your background, How Hard Is the UT P&C Exam? Complete Difficulty Guide 2026 breaks down the difficulty factors in more depth, and UT P&C Passing Score 2026: Exactly What You Need to Pass walks through exactly what 70% means in practice.
Registration & Retake Mechanics That Affect Your Odds
The logistics of scheduling and retaking the exam directly influence how much pressure you put on a single attempt. The exam fee is $44 per sitting, which is low enough that a retake isn't financially devastating, but it's still smarter to walk in ready the first time. You can test at a physical Prometric test center or remotely via ProProctor, and either path gives you your result immediately after you finish.
Once you pass, the clock starts on a separate deadline: your license application and fee must be submitted within 90 days of passing. Initial resident applicants also need to complete fingerprinting at a Utah Prometric test center - a step that's easy to forget amid the relief of passing, but missing the 90-day window means redoing work you've already completed. For a complete cost picture across fees, fingerprinting, and licensing, see UT P&C Certification Cost 2026: Complete Pricing Breakdown, and for eligibility details before you even schedule, check UT P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify.
A Focused Prep Timeline
Rather than a generic multi-month calendar, weight your remaining study weeks toward domain size. If you have four weeks before your Prometric or ProProctor appointment, here's how the allocation should roughly track the blueprint:
High-weight coverage lines
- Auto Insurance (13%) and Homeowners Policy (12%) - build scenario-based recall
- Property and Casualty Insurance Basics (12%) - lock down terminology
Regulatory and commercial content
- Insurance Regulation (11%) and General Insurance (10%)
- Commercial Package Policy (CPP) (11%)
Remaining specialty domains
- Workers Compensation Insurance (11%), Businessowners Policy (8%), Other Coverages and Options (8%)
- Dwelling Policy (4%) - quick review, lowest weight
Timed practice and gap-filling
- Full-length practice runs at 150 questions / 2.5 hours
- Revisit any domain scoring below 70% in practice sets
For a structured walkthrough of exactly what to study each week and how to sequence it, UT P&C Study Guide 2026: How to Pass on Your First Attempt expands on this framework in detail, and a condensed version of the must-know facts lives in the UT P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts. Running timed practice sets on our practice test platform before test day is the closest simulation you'll get to the real Prometric or ProProctor interface, and it's the fastest way to see which of the ten domains still needs work.
Who's Watching Your Results
Passing the Series 17-04 exam and securing your Utah producer license opens doors with independent agencies, captive carriers, and brokerages writing personal and commercial lines across the state. Because the exam blueprint spans everything from Auto Insurance and Homeowners Policy to Workers Compensation and Businessowners Policy, a passing score signals to employers that you can competently discuss a wide range of P&C products - not just one narrow specialty. If you're weighing whether the licensing effort translates into real career value, UT P&C Salary Guide 2026: Complete Earnings Analysis and Is the UT P&C Certification Worth It? Complete ROI Analysis 2026 both dig into that question from different angles. You can also browse UT P&C Jobs for a sense of the roles this license unlocks, or start with What Is UT P&C? if you're still mapping out the basics before committing to a study plan on the main practice site.
Frequently Asked Questions
Not as a routinely published percentage. The most reliable benchmark is the exam's own passing standard: 70% correct across 150 scored questions.
You need 70% of the 150 scored multiple-choice questions correct. There are also 5 unscored experimental questions mixed in, but they don't count toward your result.
Yes. Whether you test at a Prometric test center or remotely via ProProctor, results are provided immediately after you finish.
Auto Insurance carries the largest weight at 13%, followed closely by Property and Casualty Insurance Basics and Homeowners Policy at 12% each - prioritize those three first.
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.
Ultimately, chasing a hard number on this exam's historical pass rate is less useful than reverse-engineering the 70% threshold yourself: know the domain weights, respect the smaller sections instead of ignoring them, and rehearse the timed format before you ever sit down at Prometric or open ProProctor.