- The Utah Producer's Combined Property and Casualty Exam (Series 17-04) requires a 70% score on 150 scored questions.
- You get 2 hours 30 minutes and face 5 additional unscored experimental items mixed in.
- Utah does not mandate prelicensing education, so self-study quality determines your outcome.
- Auto Insurance is the single largest domain at 13% - prioritize it accordingly.
What the UT P&C Exam Actually Tests
The Utah Producer's Combined Property and Casualty Exam - administered by Prometric on behalf of the Utah Insurance Department - is the gatekeeping exam for anyone who wants to sell property and casualty insurance products in Utah. It is not a generic "insurance knowledge" test. It is a state-specific licensing exam built around Utah insurance regulation, standard P&C policy language, and the practical mechanics of writing personal and commercial lines coverage.
If you're just starting to research the license, it helps to first understand what a UT P&C exam actually is and how the credential fits into an insurance career before diving into the content itself. This guide assumes you already know you want to sit the exam and focuses on how to actually prepare for it and pass on your first attempt.
Exam Format, Fees, and Registration Mechanics
Before you build a study plan, internalize the exact mechanics of test day. The UT P&C exam consists of 150 scored multiple-choice questions plus 5 unscored experimental items, for a total of 155 questions you'll see on screen. You won't know which 5 are experimental, so treat every question as if it counts. You have 2 hours and 30 minutes to finish, and you need a 70% passing score on the scored portion to pass.
- Exam fee: $44 per attempt, paid through Prometric.
- Testing options: an in-person Prometric test center or ProProctor remote proctoring from home or office.
- Results: delivered immediately after you submit the exam - no waiting period.
- Prelicensing education: not required by Utah for this producer line, which puts more weight on self-directed study.
Because there's no mandatory coursework, many candidates underestimate how much independent structure they need. For a full walkthrough of every fee, retake cost, and licensing expense involved, see the UT P&C certification cost breakdown. And if you want the precise scoring mechanics explained in more depth, the UT P&C passing score guide covers exactly how the 70% threshold is calculated.
Key Takeaway
Schedule your Prometric or ProProctor session only after you can consistently score above 70% on full-length practice exams - not before. Immediate results mean there's no ambiguity about whether you're ready.
The 10 Domains You Must Master
The exam blueprint is organized into ten domains, each carrying a different percentage of the 150 scored questions. Knowing these weights lets you allocate study hours proportionally instead of spreading effort evenly across topics that matter unevenly.
| 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%)
The largest single domain, so weak recall here disproportionately hurts your score.
- Liability, medical payments, uninsured/underinsured motorist, and physical damage coverages
- Policy conditions, exclusions, and rating factors specific to personal auto
- How Utah's regulatory environment shapes minimum coverage requirements
Property and Casualty Insurance Basics (12%)
Foundational vocabulary and concepts that other domains build on - insurable interest, indemnity, underwriting, and policy structure.
- Terms like peril, hazard, and proximate cause
- Policy provisions common to most P&C contracts
- Cancellation, nonrenewal, and reinstatement rules
Homeowners Policy (12%)
Combined with Dwelling Policy questions, residential property coverage makes up a large share of the exam.
- HO policy forms and what perils each one covers
- Coverage A through F structure and endorsements
- Liability and medical payments sections within homeowners forms
The remaining domains - Insurance Regulation, Commercial Package Policy, Workers Compensation Insurance, General Insurance, Businessowners Policy, and Other Coverages and Options - round out the blueprint. For a domain-by-domain deep dive with the reasoning behind each weight, read the complete guide to all 10 content areas.
A Domain-Weighted Study Timeline
Generic study techniques like spaced repetition and timed practice sessions only help if you're applying them to the right material at the right time. Since Utah doesn't require prelicensing coursework, you control the entire schedule - so build it around domain weight, not alphabetical order.
Foundations and Regulation
- Study Property and Casualty Insurance Basics and Insurance Regulation together - one explains terms, the other explains rules
- Build a glossary of core terms you'll reuse across every other domain
Personal Lines Deep Dive
- Focus heavily on Auto Insurance given its 13% weight
- Follow immediately with Homeowners Policy and Dwelling Policy since they share concepts
Commercial Lines
- Work through Commercial Package Policy, Businessowners Policy, and Workers Compensation Insurance
- Compare CPP and BOP side by side to avoid confusing which risks fit each
Full Review and Timed Practice
- Cover General Insurance and Other Coverages and Options
- Run full 150-question timed practice tests under the 2-hour 30-minute limit
If you're unsure how many total hours to budget or whether four weeks is realistic for your background, the UT P&C Study Guide lays out a broader planning framework, and this difficulty guide breaks down which domains candidates typically find hardest.
Who Hires UT P&C Producers
Passing the exam is a means to an end - a resident producer license that lets you sell property and casualty products in Utah. Independent agencies, captive carriers, and brokerages across the state hire licensed producers to write personal auto, homeowners, and commercial package business. Some employers hire candidates before they've passed, contingent on licensure, while others require the license in hand first.
If you're evaluating whether this credential is worth pursuing relative to the time and $44 exam fee it takes to earn it, the ROI analysis on UT P&C certification and the salary guide both dig into the earnings side of the equation. For open roles once you're licensed, browsing UT P&C job listings gives a sense of what agencies are actually looking for.
Mistakes That Cause First-Attempt Failures
Most failed attempts share a small set of avoidable causes rather than a lack of general intelligence or effort.
- Studying every domain equally. Spending the same number of hours on Dwelling Policy (4%) as Auto Insurance (13%) wastes time you don't have.
- Ignoring the unscored items. Since you can't identify the 5 experimental questions among the 155 you see, slowing down to "figure out" which ones are unscored burns clock time for no benefit.
- Skipping full-length timed runs. The 2-hour 30-minute limit for 150 scored questions leaves roughly one minute per question - if you've never practiced under that pace, pacing anxiety alone can cost you points.
- Assuming no prelicensing education means no structure needed. Utah's decision not to require coursework is not a signal that the exam is easy; it just shifts responsibility for structure onto you.
Final Prep, Fingerprinting, and Licensing Deadlines
Passing the exam is not the finish line - it starts a clock. Once you pass, you must submit your license application and fee to the Utah Insurance Department within 90 days. Miss that window and you may need to retest. If you're a first-time resident applicant, you'll also need to complete fingerprinting at a Utah Prometric test center as part of the licensing process, so plan that logistics step before, not after, your exam date.
Double-check your eligibility and documentation requirements ahead of scheduling - the UT P&C requirements overview spells out exactly what's needed to qualify. It's also worth reviewing available testing windows and scheduling deadlines so the 90-day application clock doesn't sneak up on you around holidays or personal travel.
Key Takeaway
Book your fingerprinting appointment and gather license application documents before exam day - not after - so the 90-day submission window never becomes a source of stress.
In the final days before your test, condense everything down to the highest-yield facts. A single-page reference of definitions, coverage triggers, and regulatory rules - like the one-page review of must-know UT P&C facts - is more useful the week before your exam than re-reading full chapters. Pair that with a last round of full-length practice at the practice exam site to confirm you're consistently clearing 70% with margin to spare.
Frequently Asked Questions
You'll see 155 total multiple-choice questions: 150 are scored and 5 are unscored experimental items you cannot identify during the test.
No. Utah does not require prelicensing education for this producer line, which means your preparation is entirely self-directed and study materials matter more.
You have 2 hours and 30 minutes to complete all 155 questions, and you need a 70% score on the 150 scored questions to pass.
Yes. Prometric offers both in-person testing at a Prometric test center and remote testing through ProProctor, and either option delivers results immediately.
You must submit your license application and fee to the Utah Insurance Department within 90 days of passing. First-time resident applicants also need fingerprinting completed at a Utah Prometric test center.