- UT P&C is Prometric's Series 17-04, Utah's Producer's Combined Property and Casualty Exam.
- 150 scored questions plus 5 unscored items, 2 hours 30 minutes, 70% to pass, $44 fee.
- Utah requires no prelicensing education hours for this producer line.
- Auto Insurance carries the heaviest domain weight at 13%.
What the UT P&C Certification Actually Is
The Utah Property & Casualty Insurance Exam, officially Series 17-04, is the licensing test that the Utah Insurance Department requires before an individual can sell, solicit, or negotiate property and casualty insurance products in the state. Prometric administers the exam on behalf of the Department, either in a physical test center or through ProProctor remote proctoring from a private location. This is not a voluntary industry credential you add to a resume after years of experience - it's the mandatory gateway exam for the P&C producer license itself.
If you're still sorting out exactly what this exam covers and how it differs from other state licensing tests, the overview in What Is UT P&C? and the plain-language breakdown in UT P&C Meaning are good starting points before you dive into domain-level study.
Who Hires Producers With This License
A passing score on Series 17-04 is the credential that independent agencies, captive carriers, and brokerages in Utah look for when hiring producers to write homeowners, auto, commercial package, and businessowners business. Because the license is not tied to a single employer, agents can carry it across agencies, and many candidates study for it specifically because a hiring manager has already extended a conditional offer contingent on passing. If you're evaluating whether pursuing this license makes sense for your career trajectory, UT P&C Jobs and Is the UT P&C Certification Worth It? Complete ROI Analysis 2026 walk through the practical employment angle in more depth.
Exam Format, Fee, and Scoring
The mechanics of Series 17-04 are straightforward but unforgiving if you don't plan around them:
- Question count: 150 scored multiple-choice questions, plus 5 unscored experimental items mixed in without identification, for 155 total items on screen.
- Time limit: 2 hours and 30 minutes to complete the full exam.
- Passing score: 70%.
- Exam fee: $44, paid to Prometric at registration.
- Prelicensing education: Utah does not mandate prelicensing coursework for this producer line, so how you self-study matters more than it does in states with mandatory hour requirements.
- Results: Delivered immediately after you submit the exam, whether you test in person or via ProProctor.
Because the experimental items are unscored and unmarked, you can't identify or skip them strategically - every question deserves full attention. For a deeper breakdown of exactly how the 70% threshold is calculated and what it means in terms of missed questions, see UT P&C Passing Score 2026: Exactly What You Need to Pass.
Key Takeaway
With no state-mandated prelicensing hours, your pass/fail outcome depends almost entirely on independent study quality - not classroom seat time.
The 10 Exam Domains, Ranked by Weight
Series 17-04 draws its 150 scored questions from ten content domains. Weighting isn't uniform, and treating every domain as equally important is one of the fastest ways to waste study hours on low-yield material while under-preparing for the sections that actually decide your score.
| 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% |
Domain 6: Auto Insurance (13%)
The single largest domain on the exam. Candidates need to understand liability limits, uninsured/underinsured motorist coverage, medical payments, physical damage coverage, and the exclusions unique to Utah's auto insurance framework.
- Know the structure of a personal auto policy declarations page and how endorsements modify base coverage.
Domain 3: Property and Casualty Insurance Basics (12%)
Foundational terminology and concepts - insurable interest, indemnity, perils versus hazards, policy structure - that underpin every other domain. Weakness here compounds into every other section.
- Master the difference between named-peril and open-peril (all-risk) policy forms early, since it recurs across dwelling, homeowners, and commercial content.
Domain 5: Homeowners Policy (12%)
Covers the HO policy forms, coverage parts A through F, and the exclusions and endorsements that distinguish one homeowners form from another.
- Be able to map which HO form applies to which dwelling type and occupancy scenario.
The remaining seven domains - Insurance Regulation, Commercial Package Policy, Workers Compensation, General Insurance, Businessowners Policy, Other Coverages and Options, and Dwelling Policy - each carry meaningful weight even though none matches Auto Insurance alone. For a full topic-by-topic breakdown of what's tested inside each of the ten domains, UT P&C Exam Domains 2026: Complete Guide to All 10 Content Areas goes far deeper than a summary table can.
Registration, Scheduling, and Licensing Deadlines
Registering for Series 17-04 through Prometric gives you a choice: test in person at a Utah Prometric center, or use ProProctor to sit the exam remotely. Both formats deliver your pass/fail result immediately upon submission, so there's no waiting period to find out whether you'll need to reschedule.
Two deadlines matter beyond exam day itself:
- 90-day application window: After passing, you must submit your license application and fee to the Utah Insurance Department within 90 days. Miss it, and you may need to retest.
- Fingerprinting requirement: Initial resident applicants must complete fingerprinting at a Utah Prometric test center - this can't be done remotely, even if you tested via ProProctor.
These logistics trip up more candidates than the content does. A full scheduling walkthrough, including how to plan around the fingerprinting requirement if you test remotely, is covered in UT P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling. For the complete list of eligibility prerequisites before you even register, see UT P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
Passing the exam is only step one - the 90-day application clock and the in-person fingerprinting requirement are the two deadlines candidates most often overlook.
Building a Domain-Weighted Study Plan
Because Utah doesn't require prelicensing coursework for this line, your study plan is entirely self-directed. That's an advantage if you use it well: you can allocate time in direct proportion to domain weight instead of following a fixed classroom syllabus.
Basics and Regulation
- Build vocabulary from Property and Casualty Insurance Basics before touching policy-specific content.
- Layer in Insurance Regulation so you understand Utah's producer duties and licensing rules as you go.
Auto and Homeowners
- Spend the most time here - these two domains combine for a quarter of the scored exam.
- Drill coverage parts, exclusions, and endorsement scenarios with practice questions rather than passive reading.
Commercial Lines
- Work through Commercial Package Policy, Businessowners Policy, and Workers Compensation together since they share underwriting logic.
Dwelling, Other Coverages, and Full Timed Runs
- Finish lighter-weighted domains, then shift entirely to full-length, timed practice runs at the 150-question, 150-minute format.
If you want a more granular, week-by-week breakdown with specific milestones and checkpoints, UT P&C Study Guide 2026: How to Pass on Your First Attempt expands on this timeline. And once you're in the final review stretch, a condensed reference like UT P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts is useful for last-pass memorization rather than first-time learning.
Running full-length practice exams under real time pressure at our practice test platform is the single best way to confirm your pacing works within the 2-hour-30-minute limit before exam day.
Common Missteps Candidates Make
- Treating every domain equally. Spending the same number of hours on Dwelling Policy (4%) as on Auto Insurance (13%) is a misallocation of limited study time.
- Skipping timed practice. 150 scored questions in 150 minutes leaves you almost exactly one minute per question - candidates who never rehearse that pace often run out of time on exam day.
- Forgetting the 90-day clock. Passing the exam doesn't automatically license you; the application and fee still need to reach the Department within 90 days.
- Assuming remote testing skips fingerprinting. ProProctor is convenient for the exam itself, but initial resident applicants still need an in-person Prometric visit for fingerprinting.
- Underestimating difficulty because there's no prelicensing requirement. No mandated coursework doesn't mean the material is light - it means the burden of coverage shifts entirely to you. For a candid assessment of where the real difficulty lies, see How Hard Is the UT P&C Exam? Complete Difficulty Guide 2026.
If you're weighing overall cost before committing - exam fee, any study materials, and the fingerprinting visit - UT P&C Certification Cost 2026: Complete Pricing Breakdown lays out the full picture, and UT P&C Pass Rate 2026: What the Data Shows puts the exam's difficulty in context using the available data. Once licensed, UT P&C Salary Guide 2026: Complete Earnings Analysis is a reasonable next stop for career planning.
Frequently Asked Questions
It's Series 17-04, the Utah Producer's Combined Property and Casualty Exam, administered by Prometric under the authority of the Utah Insurance Department.
There are 150 scored multiple-choice questions plus 5 unscored experimental items, for a total of 155 questions, with a 2-hour 30-minute time limit.
No. Utah does not require prelicensing education hours for the property and casualty producer line, so preparation is entirely self-directed.
You must submit your license application and fee to the Utah Insurance Department within 90 days, and initial resident applicants must complete fingerprinting at a Utah Prometric test center.
Yes. Candidates can test at a physical Prometric test center or through ProProctor remote proctoring, and both formats deliver results immediately after submission.