- UT P&C is the Utah Producer's Combined Property and Casualty Exam, Series 17-04, administered via Prometric.
- The exam has 150 scored questions plus 5 unscored items, a 2-hour 30-minute limit, and a 70% passing score.
- Auto Insurance is the heaviest-weighted domain at 13%, followed by Property and Casualty Basics and Homeowners Policy at 12% each.
- Utah does not mandate prelicensing education, so most of your preparation time goes directly into domain content.
What UT P&C Actually Is
UT P&C stands for the Utah Property and Casualty Insurance Exam - formally titled the Utah Producer's Combined Property and Casualty Exam, and coded by Prometric as Series 17-04. It is the state licensing exam that anyone who wants to sell, solicit, or negotiate property and casualty insurance in Utah must pass. This is not a voluntary industry certification or a designation you add to a resume for prestige; it is a regulatory requirement enforced by the Utah Insurance Department before you can legally hold a producer license for this line of authority.
Because the acronym "P&C" gets reused across different states and different credentialing bodies, it's worth being precise: this article, and every fact on this site, refers specifically to the Utah version of the exam. If you're comparing notes with someone who took a P&C exam in another state, assume the fee structure, question counts, and domain weightings are different - Utah's numbers are its own.
Who Administers the Exam
The Utah Insurance Department sets the licensing rules and content outline, but the actual exam delivery is handled by Prometric, the third-party testing vendor. This division matters practically: the Department decides what you need to know and what the passing threshold is, while Prometric controls scheduling, test-day logistics, and how you receive your score.
Candidates have two ways to sit for the exam: in person at a Prometric test center, or remotely through ProProctor, Prometric's online proctoring platform. Either path gives you the same 150 scored questions and 5 unscored experimental items, and either path delivers your pass/fail result immediately after you finish. There's no waiting days for an email - you'll know before you leave the test center or log off the proctoring session.
Key Takeaway
Choosing between a physical Prometric center and ProProctor remote testing is a logistics decision, not a content decision - the questions, timing, and passing score are identical either way.
Exam Format and Question Style
The UT P&C exam is built from 150 scored multiple-choice questions, with 5 additional unscored experimental items mixed in that you cannot distinguish from the scored ones. You get 2 hours and 30 minutes to complete the full set, and you need a 70% score to pass. There is no prelicensing education requirement in Utah for this line, which means candidates often come to the exam with widely varying levels of prior insurance exposure - some are career-changers with zero background, others are already working in an agency support role.
Because there's no mandated coursework, the burden of preparation falls entirely on self-study or a structured prep course. If you want a detailed walkthrough of scoring mechanics and what 70% actually means in terms of correct answers, the UT P&C Passing Score 2026: Exactly What You Need to Pass guide breaks it down question by question.
The 10 Exam Domains
UT P&C content is organized into 10 domains, each weighted by percentage of the scored exam. Understanding these weights is the single most important strategic input for your study plan - it tells you where to spend hours and where you can afford lighter review.
Domain 6: Auto Insurance (13%)
The largest single domain on the exam. Expect deep coverage of liability limits, uninsured/underinsured motorist coverage, physical damage coverage, and exclusions specific to personal auto policies.
- Know the difference between liability and physical damage coverage triggers
- Understand how Utah's auto insurance requirements shape policy structure
Domain 3: Property and Casualty Insurance Basics (12%)
Foundational concepts - insurable interest, indemnity, policy structure, and the legal framework underlying every other domain. Weak fundamentals here undermine performance everywhere else.
- Master definitions before moving to policy-specific domains
- Treat this as the domain that unlocks the rest of the exam
Domain 5: Homeowners Policy (12%)
Covers HO policy forms, covered perils, and endorsements. Tied with Basics as the second-heaviest domain, so shallow review is a common mistake.
- Compare HO forms side by side rather than studying them in isolation
- Pay attention to what each form excludes, not just what it covers
The remaining seven domains still carry real weight and cannot be skipped: Insurance Regulation (11%), Commercial Package Policy or CPP (11%), Workers Compensation Insurance (11%), General Insurance (10%), Businessowners Policy (8%), Other Coverages and Options (8%), and Dwelling Policy (4%). Even the lightest domain, Dwelling Policy, still contributes scored questions, and skipping it entirely is a risky shortcut.
| 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% |
For a full breakdown of what each domain tests and how to sequence your review, see the UT P&C Exam Domains 2026: Complete Guide to All 10 Content Areas.
Registration, Fees, and Fingerprinting
The exam fee for UT P&C is $44, payable when you schedule through Prometric. That single fee covers your attempt at either the physical test center or via ProProctor. What it doesn't cover is the license itself - once you pass, a separate application and fee process kicks in with the Utah Insurance Department.
Two deadlines matter after test day. First, you must submit your license application and the associated fee within 90 days of passing the exam - miss that window and you'll need to retest. Second, if you're an initial resident applicant, you're required to complete fingerprinting at a Utah Prometric test center as part of the licensing process. This fingerprinting step is tied to your resident status and application, not to the exam attempt itself, so plan for it as a separate errand rather than something bundled into exam day.
For a full cost breakdown including what to budget beyond the exam fee itself, check the UT P&C Certification Cost 2026: Complete Pricing Breakdown. If you're unsure whether you meet Utah's eligibility rules before you even schedule, the UT P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify guide covers qualification details, and current scheduling windows are laid out in the UT P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling article.
Who Takes the UT P&C Exam
Passing UT P&C is the entry point for a producer career selling property and casualty lines in Utah - think independent agencies, captive agents working for a single carrier, and brokerage staff who need authority to bind or advise on P&C coverage. Because there's no prelicensing education requirement, the exam draws a mix of people: some are hired by an agency first and told to get licensed, others pursue the license proactively before applying to insurance roles.
If you're weighing whether this path fits your career goals, two resources help frame the decision without relying on borrowed statistics from unrelated credentials: the UT P&C Salary Guide 2026: Complete Earnings Analysis and Is the UT P&C Certification Worth It? Complete ROI Analysis 2026. For a sense of where licensed producers actually find work once they've passed, see UT P&C Jobs.
Building a Domain-Aware Study Plan
Generic study advice - spaced repetition, timed drills, active recall - works for any exam. What makes a study plan effective for UT P&C specifically is sequencing it around the domain weights above. Spending equal time on Dwelling Policy (4%) and Auto Insurance (13%) is a common and costly mistake.
Foundations First
- Work through Property and Casualty Insurance Basics and General Insurance before anything policy-specific
- Build vocabulary - indemnity, insurable interest, policy structure - since it recurs in every other domain
Heaviest Domains
- Auto Insurance, Homeowners Policy, and Insurance Regulation together account for well over a third of the exam
- Use practice questions to expose weak spots rather than re-reading notes passively
Commercial and Specialty Lines
- Commercial Package Policy, Workers Compensation, and Businessowners Policy
- These domains overlap conceptually, so studying them back-to-back reinforces shared terminology
Lighter Domains and Full Review
- Dwelling Policy and Other Coverages and Options - lower weight but still scored
- Full-length timed practice runs against the 150-minute limit
A more detailed, week-by-week plan with specific resource recommendations is available in the UT P&C Study Guide 2026: How to Pass on Your First Attempt. And if you're trying to gauge realistically how much effort this exam demands relative to your current knowledge, How Hard Is the UT P&C Exam? Complete Difficulty Guide 2026 walks through what makes certain domains harder than others.
Key Takeaway
Allocate study time roughly in proportion to domain weight - Auto Insurance, Basics, and Homeowners Policy together make up 37% of the scored exam and deserve the largest share of your hours.
What Happens After You Pass
Passing is only the midpoint of the process, not the finish line. You'll know your result immediately, whether you tested at a Prometric center or through ProProctor. From there, the clock starts on the 90-day window to submit your license application and fee to the Utah Insurance Department. If you're an initial resident applicant, you'll also need to get fingerprinted at a Utah Prometric test center - this is a licensing requirement, separate from the exam itself, so don't assume it's handled automatically just because you passed.
Keep a quick reference of the core exam facts handy while you're navigating post-exam paperwork - the UT P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts is built for exactly that. And if you want to see how your result compares to typical outcomes, UT P&C Pass Rate 2026: What the Data Shows covers what's publicly known about performance on this exam.
Once you're actively preparing, running full-length practice exams under real time pressure is one of the best ways to confirm you're ready - you can start that process directly on our practice test platform, which mirrors the domain weighting and question format described above. If you're still deciding on a study strategy, browsing sample questions on the main practice site before committing to a prep course is a reasonable first step, and the homepage links out to every domain-specific resource referenced in this article.
Frequently Asked Questions
No. Utah does not require prelicensing education for this producer line, which means your preparation is largely self-directed through study guides, practice questions, or a prep course of your choosing.
There are 150 scored multiple-choice questions plus 5 unscored experimental items, for a total of 155 questions, and you have 2 hours and 30 minutes to complete the exam.
Yes. You can test at a physical Prometric test center or remotely through ProProctor, Prometric's remote proctoring platform. Both options deliver results immediately upon completion.
The license application and fee must be submitted within 90 days of passing the exam. Utah's insurance licensing rules treat this as a firm deadline, so missing it typically means you'll need to retake the exam before applying.
Initial resident applicants must complete fingerprinting at a Utah Prometric test center as part of the licensing process. This is separate from the exam appointment itself and should be scheduled once you're ready to move forward with your application.