- UT P&C refers to Series 17-04, the Utah Producer's Combined Property and Casualty Exam.
- The exam has 150 scored questions plus 5 unscored items, a 2-hour 30-minute limit, and a 70% passing score.
- The exam fee is $44, and Utah requires no prelicensing education for this producer line.
- Auto Insurance is the heaviest domain at 13%, followed by Property and Casualty Basics and Homeowners at 12% each.
What Is the UT P&C Exam?
UT P&C stands for the Utah Property & Casualty Insurance Exam - officially known as Series 17-04, the Utah Producer's Combined Property and Casualty Exam. It's the licensing test aspiring insurance producers in Utah must pass before they can legally sell, solicit, or negotiate property and casualty insurance products in the state. If you're planning a career selling auto policies, homeowners coverage, commercial packages, or workers compensation insurance in Utah, this exam is the gatekeeper standing between you and an active producer license.
The Utah Insurance Department oversees the licensing requirements, while Prometric handles exam delivery and scoring. This is a state-specific credential tied directly to Utah's regulatory framework, so even candidates who've studied insurance concepts elsewhere need to understand how Utah's version of the exam is structured. For a deeper breakdown of exactly what falls under this credential, see What Is UT P&C? and UT P&C Meaning.
Who Administers It and How Registration Works
The Utah Insurance Department is the licensing authority, but candidates never interact with the department directly for the exam itself. Prometric is the third-party administrator responsible for scheduling, proctoring, and scoring the test. This matters because it shapes how you register, where you test, and how quickly you find out your result.
- Exam fee: $44 per attempt.
- Testing options: You can sit for the exam at a physical Prometric test center or test remotely through ProProctor, Prometric's remote proctoring platform.
- Results: Delivered immediately after you finish the exam - no waiting days or weeks to find out if you passed.
- Prelicensing education: Utah does not mandate any prelicensing coursework for this producer line, which means self-study and structured practice materials carry more weight than they would in states with mandatory classroom hours.
Because there's no required course, many candidates underestimate how much independent preparation the exam actually demands. If you're mapping out your timeline from registration to test day, the UT P&C Exam Dates 2026 guide walks through scheduling windows and deadlines in detail, and the UT P&C Requirements guide covers eligibility specifics before you book a seat.
Key Takeaway
Because Utah skips mandatory prelicensing education, the burden of preparation falls entirely on you. Treat self-study materials and practice exams as your substitute for a classroom.
Exam Format and Question Style
Understanding the mechanics of the test before you sit down for it removes a lot of unnecessary anxiety. The UT P&C exam is built as follows:
- 150 scored multiple-choice questions that count toward your final score.
- 5 additional unscored (experimental) questions mixed in, which you can't distinguish from scored items - so treat every question as if it counts.
- 2 hours and 30 minutes total time limit.
- 70% passing score required to pass.
That works out to roughly one minute per question on average, though many candidates move faster through straightforward regulation and definition questions and slow down on scenario-based coverage questions. The multiple-choice format tends to test applied knowledge - recognizing which policy form applies to a given loss scenario, or identifying which endorsement fixes a coverage gap - rather than pure memorization.
For a detailed look at exactly what score you need and how the scoring scale works, check the UT P&C Passing Score guide. And if you're wondering how tough the exam feels in practice compared to other state licensing tests, How Hard Is the UT P&C Exam? breaks down the difficulty factors candidates report.
| Exam Element | Detail |
|---|---|
| Administering Body | Utah Insurance Department (regulator) / Prometric (delivery) |
| Scored Questions | 150 multiple-choice |
| Unscored Questions | 5 experimental items |
| Time Limit | 2 hours 30 minutes |
| Passing Score | 70% |
| Exam Fee | $44 |
| Testing Modes | Prometric test center or ProProctor remote |
The 10 Domains You'll Be Tested On
The exam content is split across 10 domains, each weighted differently. Knowing these weights helps you decide where to invest your study hours - a domain worth 4% doesn't deserve the same attention as one worth 13%.
Domain 6: Auto Insurance (13%)
The single largest domain on the exam. Expect questions on liability coverage, collision and comprehensive coverage, PIP, uninsured/underinsured motorist provisions, and how Utah-specific auto rules interact with standard policy language.
- Know the difference between liability limits and physical damage coverage
Domain 5: Homeowners Policy (12%) & Domain 3: Property and Casualty Insurance Basics (12%)
These two tie for second-largest weight. Homeowners questions cover the standard HO forms, perils covered, and exclusions. Basics questions test foundational concepts - insurable interest, indemnity, underwriting principles - that underpin every other domain.
- Master peril types (named peril vs. open peril) before moving to policy specifics
Domain 1: Insurance Regulation (11%), Domain 7: Commercial Package Policy (11%), Domain 9: Workers Compensation (11%)
Three domains at equal weight. Regulation covers Utah-specific licensing law and producer conduct rules. CPP tests how monoline coverages combine into a package policy. Workers comp covers employer liability and statutory benefits.
- Don't neglect regulation just because it feels "less technical" - it's tied with two major coverage domains
Domain 2: General Insurance (10%)
Covers broad concepts that apply across P&C lines - contract law basics, policy structure, and general terminology used throughout the other domains.
Domain 8: Businessowners Policy (8%) & Domain 10: Other Coverages and Options (8%)
Smaller but still meaningful. BOP blends property and liability for small businesses; "Other Coverages" often includes umbrella policies, endorsements, and miscellaneous options that don't fit neatly elsewhere.
Domain 4: Dwelling Policy (4%)
The lightest domain by weight, but still worth reviewing - it's frequently confused with Homeowners Policy content, so know the distinctions between dwelling forms and HO forms.
For a full walkthrough of every domain with subtopics and sample question angles, the UT P&C Exam Domains 2026 guide is the most thorough resource on the site. If you want a condensed, one-page version to review the morning of your exam, the UT P&C Cheat Sheet pulls together the must-know facts across all 10 domains.
Who Takes the UT P&C Exam and Why
People pursue this exam for a range of reasons, but they almost always fall into a few categories:
- New insurance agents entering the field who need a resident producer license to sell P&C products in Utah.
- Agency hires whose employer requires licensing before they can be assigned a book of business or start writing policies.
- Career changers moving into insurance sales from adjacent fields like real estate, banking, or customer service.
- Non-resident producers who already hold a license elsewhere but need Utah-specific credentials to write business for Utah clients.
Insurance agencies, captive carriers, and independent brokerages are the typical hiring employers looking for candidates who've cleared this exam. Because the license opens the door to selling auto, homeowners, commercial, and workers comp products, it's often a first step toward broader P&C career paths. If you're weighing whether the time and cost investment makes sense for your goals, Is the UT P&C Certification Worth It? lays out the ROI considerations, and the UT P&C Salary Guide covers earnings potential in the field. You can also browse UT P&C Jobs for a sense of what roles typically require this license.
How to Approach Studying for It
Since Utah doesn't require a prelicensing course for this line, your prep plan is entirely self-directed. A domain-weighted study schedule tends to work better than studying chapters in the order a textbook presents them. Spend the most time on Auto Insurance, Homeowners Policy, and Property and Casualty Basics since together they account for over a third of your score, then work backward toward the lighter domains like Dwelling Policy.
Foundations
- Property and Casualty Insurance Basics (12%)
- General Insurance (10%)
- Insurance Regulation (11%)
High-Weight Coverage Domains
- Auto Insurance (13%)
- Homeowners Policy (12%)
- Dwelling Policy (4%) - reviewed alongside Homeowners to reinforce distinctions
Commercial and Specialty Lines
- Commercial Package Policy (11%)
- Businessowners Policy (8%)
- Workers Compensation Insurance (11%)
- Other Coverages and Options (8%)
Full Review and Timed Practice
- Timed practice exams under 2.5-hour conditions
- Targeted review of weakest domains
- Final pass through regulation-specific rules
Practice questions that mimic the multiple-choice scenario style of the real exam are more useful than flashcards alone, since the test leans on applied judgment rather than rote recall. For a more detailed week-by-week plan built specifically around this exam's structure, see the UT P&C Study Guide 2026. You can also get comfortable with the timing and pressure of the real thing using the practice tests on our main practice test platform before test day arrives.
What Happens After You Pass
Passing is only half the process - there's a procedural follow-through that candidates sometimes overlook:
- 90-day deadline: You must submit your license application and fee within 90 days of passing the exam, or you'll need to retest.
- Fingerprinting: Initial resident applicants must complete fingerprinting at a Utah Prometric test center as part of the background check process.
- Immediate results: Since Prometric delivers your score the moment you finish, you'll know right away whether you're moving on to the application stage.
Missing the 90-day window is an avoidable mistake - mark your calendar the day you pass so you don't lose the exam result and have to pay the $44 fee again. If you want a broader look at everything required before and after the exam, from eligibility to fingerprinting logistics, the UT P&C Requirements guide covers the full sequence.
Key Takeaway
Passing the exam starts a 90-day countdown. Have your license application ready to submit promptly, and plan your fingerprinting visit to a Utah Prometric center in advance.
If you're still deciding whether this is even the right credential to pursue versus a similarly named designation elsewhere, our companion pieces What Does UT P&C Mean?, What Does UT P&C Stand For?, and UT P&C Certification all confirm the same Utah-specific definition used throughout this guide. For readers evaluating structured prep programs, UT P&C Training and What Is UT P&C Certification? go into more depth on available options, and you can start testing your knowledge right now with practice questions at UT P&C Exam Prep.
Frequently Asked Questions
UT P&C stands for the Utah Property & Casualty Insurance Exam, formally titled Series 17-04, the Utah Producer's Combined Property and Casualty Exam, administered through Prometric under the Utah Insurance Department's authority.
No. Utah does not require prelicensing education for this producer line, which means you can register and test as soon as you feel prepared, using self-study materials and practice exams.
There are 150 scored multiple-choice questions plus 5 unscored experimental questions, for a total of 155 questions, and you have 2 hours and 30 minutes to complete the exam.
You need a 70% passing score. Since the unscored questions aren't identified during the test, answer every question as though it contributes to your final score.
You have 90 days after passing to submit your license application and fee. If you miss that window, you'll likely need to retake the exam before applying, so submit promptly and complete required fingerprinting at a Utah Prometric center without delay.