Part of the expanding PassProfessor catalog: 9,988 questions covering both parts of the South Dakota Property & Casualty exam. Join the notify list and we will email you when enrollment opens.
What’s included
A South Dakota bank, not a national bank with a South Dakota chapter. The combined exam puts 30 of its 130 scored questions — 23% of your score — on South Dakota statutes, rules, and regulations: the Director of Insurance’s powers, producer licensing and appointment rules, unfair practices, the South Dakota Insurance Guaranty Association, the valued policy law, and the Automobile Insurance Plan (assigned risk). Our South Dakota bank holds 9,988 questions, and 2,494 of them test South Dakota law specifically. That is the section national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 9,988 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — 100 general-knowledge questions and 30 South Dakota-specific questions in the same proportions Pearson VUE uses, with the general sections weighted the way the official outline weights them (casualty policy types and property policy types carry the most). Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single outline section — South Dakota rules common to all lines, homeowners and dwelling forms, casualty provisions, workers’ compensation concepts — or sit the full 130-question simulation against the clock. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be.
Built for the combined sitting you will actually take. South Dakota gives you a choice: two standalone exams, or this one combined exam with one score. This program trains for the combined sitting as a whole — mixed property, casualty, and South Dakota-law practice in the same proportions and the same 150-minute frame as the real thing — because that is the performance you have to produce on exam day. Candidates preparing for a standalone line instead should know this bank’s drills are organized by outline section, so property-only or casualty-only study paths are still visible in the coverage table below; but the full simulations here are combined-exam simulations, deliberately.
Part of a national library, built state by state. PassProfessor’s insurance library holds 478,523 original practice questions across all 50 states. The South Dakota program is not that library with a state filter on it: its topic tags, its blueprint weights, and its 2,494-question South Dakota-law block follow Pearson VUE’s South Dakota outline specifically, because the exam you sit is a South Dakota exam, not a national one with local questions sprinkled in.
South Dakota licenses property and casualty producers through one combined exam — the South Dakota Property & Casualty Producer exam, given by Pearson VUE: 130 scored questions in 150 minutes, and a score of 70 to pass. PassProfessor’s South Dakota program will give you 9,988 original practice questions covering the same content areas the real exam tests — including 2,494 questions on South Dakota statutes and regulations alone — with an explanation on every question and full practice exams generated fresh, weighted to the published outline, every time you sit one. A free sample comes with the program; the full South Dakota program will be $29 when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The real exam at a glance
Current as of October 2026, per the Pearson VUE South Dakota Insurance Licensing Candidate Handbook (publication #124200, August 2026) and the South Dakota Examination Content Outlines (publication #124201, effective March 1, 2024). Full detail — eligibility, registration, retakes, test day — is in our South Dakota insurance exam guide.
| SD Property & Casualty Producer exam (InsSD_PropCas46) | |
|---|---|
| Administered by | Pearson VUE, for the South Dakota Division of Insurance |
| Questions you will see | 145 |
| Scored questions | 130 (100 general knowledge + 30 South Dakota-specific) |
| Unscored pretest questions mixed in | 15 (you cannot tell which they are) |
| Time limit | 150 minutes (2½ hours) |
| Passing standard | Score of 70 (scores run 0–100 and are not a percentage — see below) |
| Exam fee | $95, paid to Pearson VUE when you reserve (includes a $10 South Dakota administrative fee) |
| License application fee | $25 plus a service fee, paid to the state through NIPR/SBS after you pass (separate from the exam fee) |
- South Dakota requires no pre-licensing education for this license. The Division of Insurance states it plainly: no pre-licensing education is required for a resident or non-resident producer license. You prepare, pass, and apply. Preparation is optional in South Dakota; passing is not.
- A score of 70 is not 70%. Pearson reports South Dakota scores on a 0–100 scale, and the handbook is explicit that the score should not be read as the percentage or number of questions you answered correctly — the scale exists so no candidate gains or loses from the difficulty of a particular exam form. Plan to practice comfortably above the line, not on it.
- The combined exam is one sitting with one score. You must pass the complete exam; a combined pass cannot be split into a property-only or casualty-only license. (South Dakota also offers separate Property and Casualty exams for candidates who want only one line — this program prepares you for the combined exam.)
- You may test at a Pearson VUE test center (series InsSD_PropCas46) or online through OnVUE proctoring (series OPSD_PropCas46).
- You apply for the license after passing: the application opens about 48 hours after your exam, once results reach the state’s systems, and South Dakota requires candidates who pass a major-line exam to apply within 180 days to remain eligible for licensure.
- If you do not pass, the retake clock is short. You may test again after 24 hours from your last attempt, scheduling the same way and paying the exam fee again. Your failing score report carries a numeric score and diagnostic information — which is also how this program reports your practice results, section by section, so the format of the feedback is familiar before you ever need it.
- One ID, exactly matching. Test-center admission requires a single government-issued, photo-bearing, signed ID whose name matches your registration exactly. It is the most preventable way to lose an exam day, and the exam guide walks through the full test-day rules — arrival time, what is provided, what is banned, and how the OnVUE online sitting differs.
Read the at-a-glance table with one idea in mind: everything in it is trainable. The question count and the clock set the pacing skill; the single combined score sets the strategy (no section can be abandoned, because there are no separately-passed portions to fall back on); the 30-question South Dakota block sets the study priority most candidates get backwards. The sections below are organized around exactly those three facts.
How the practice maps to the real exam
Every question in the South Dakota bank is tagged to a section of Pearson VUE’s current South Dakota content outline — the same outline the real exam is built from. Counts below are the bank itself, counted question by question.
| Official outline section (scored questions on the real exam) | Practice questions |
|---|---|
| General knowledge — Property | |
| I. TYPES OF PROPERTY POLICIES (22) | 1,649 |
| II. INSURANCE TERMS AND RELATED CONCEPTS (15) | 1,125 |
| III. POLICY PROVISIONS AND CONTRACT LAW (13) | 974 |
| General knowledge — Casualty | |
| IV. TYPES OF CASUALTY POLICIES, BONDS, AND RELATED TERMS (23) | 1,724 |
| V. INSURANCE TERMS AND RELATED CONCEPTS (15) | 1,124 |
| VI. POLICY PROVISIONS (12) | 898 |
| South Dakota statutes, rules, and regulations | |
| SD Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (18) | 1,494 |
| SD Statutes Pertinent to Property and Casualty Insurance (12) | 1,000 |
| Total (130 scored) | 9,988 |
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of South Dakota questions across both parts of the outline, with full explanations — enough to see how the program teaches and where you stand. The sample is deliberately mixed: roughly two-thirds questions most prepared candidates answer correctly, and one-third stretch questions at the level that separates a pass from a near miss, so your sample result means something in both directions.
- Drill the South Dakota-law sections early. They are 23% of the real exam and the most concrete material on it — the Director’s powers, licensing and appointment rules, day counts, and the state’s own institutions. Most candidates leave them for last; the score report is where that shows.
- Drill by outline section. Work your weakest general-knowledge sections (the two Types of Policies sections together carry 45 of 100 general questions) until the misses stop repeating.
- Sit full generated exams against the clock. 130 scored questions in 150 minutes is a pace of about a minute per question once pretest items are mixed in. Practice the pace, not just the material.
- Book the real exam through Pearson VUE when your practice scores sit comfortably above passing on full simulations — then apply to the Division of Insurance through NIPR or SBS within 180 days of passing.
Pricing
$29 — the full South Dakota program, when enrollment opens. All 9,988 questions, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — in a state that does not require you to take one. This program is the practice itself, priced below every one of them. South Dakota is one of 50 state programs in a library of 478,523 original practice questions, each bank built on its own state’s published outline.
One comparison worth making honestly: Pearson VUE itself sells general insurance practice tests for $19.95. Those are the vendor’s own general-portion products — useful for format familiarity, but they are not a South Dakota bank: they do not drill the 30-question South Dakota statutes block that makes up 23% of your score, and they are not generated as full, fresh, blueprint-weighted simulations. Candidates buy this program for the South Dakota depth and the volume — 9,988 questions is a different kind of preparation from a single fixed practice test.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the South Dakota property and casualty exam?
You will see 145 questions in 150 minutes. Of those, 130 are scored — 100 on general insurance knowledge (50 property, 50 casualty) and 30 on South Dakota statutes, rules, and regulations — and 15 are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the South Dakota P&C exam?
A score of 70. Pearson reports South Dakota exam scores on a 0–100 scale set by the Division of Insurance, and the candidate handbook states directly that the score is not the percentage or number of questions answered correctly — the scale evens out differences between exam forms. The only score that matters is the one on your official score report, which you receive when you leave the test center.
Does South Dakota require a pre-licensing course before the exam?
No. The South Dakota Division of Insurance states that no pre-licensing education is required to obtain a resident or non-resident producer license. You may prepare however you choose, take the Pearson VUE exam, and then apply.
How much does it cost to get a South Dakota P&C license?
The combined exam fee is $95, paid to Pearson VUE when you reserve your appointment; that fee includes a $10 South Dakota administrative fee. After you pass, the license application fee is $25 plus a service fee, paid when you submit the electronic application through NIPR or SBS. There is no state-required course fee, because South Dakota requires no course — preparation, like this program at $29, is your choice.
Who administers the South Dakota insurance exam?
Pearson VUE administers the exam for the South Dakota Division of Insurance (part of the Department of Labor and Regulation). You reserve your appointment on Pearson VUE’s South Dakota insurance page or by calling (888) 873-6205, at least 24 hours ahead. The combined P&C exam is offered at test centers (series InsSD_PropCas46) and online through OnVUE (series OPSD_PropCas46).
Can I take the property and casualty exams separately instead?
Yes — South Dakota also offers a standalone SD Property Producer exam and a standalone SD Casualty Producer exam ($85 each, per the handbook’s exam table) for candidates who want only one line. The combined exam is a single sitting with a single score, and passing it is what qualifies you for both lines at once. This program is built for the combined exam.
What do I do after I pass?
Apply for the license online through NIPR (access is also available through State Based Systems, SBS). The application becomes available about 48 hours after you pass, to allow your results to upload, and the electronic payment due is $25 plus a service fee. Do not wait: South Dakota requires candidates who pass a major-line examination to apply within 180 days to be eligible for licensure.
What happens if I fail?
You may retake the exam after 24 hours from your last attempt. You schedule the retake the same way as the first attempt and pay the exam fee again. Your score report includes a numeric score and diagnostic information, and your practice data here breaks down by the same outline sections, so a retake plan can target the sections that cost you.
How long is my passing score good for?
South Dakota requires you to apply within 180 days of passing a major-line exam to be eligible for licensure — treat 180 days as the usable life of your pass, and apply as soon as the application opens rather than testing the deadline.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published South Dakota content outline and South Dakota insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test. Pearson’s handbook states that all examination questions are copyrighted and their distribution is prohibited.
Does this program count as pre-licensing education?
South Dakota requires no pre-licensing education for this license, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course. It exists to prepare you for the exam itself.
Why does the South Dakota-law part get its own drills?
Because it is 30 of the 130 scored questions — nearly a quarter of the exam — and it is the part national study materials cover thinnest. South Dakota tests its own rules and institutions: the Director of Insurance, producer licensing and appointments, unfair trade and claims practices, the Insurance Guaranty Association, the valued policy law, and the Automobile Insurance Plan. Our bank holds 2,494 South Dakota-law questions so that section can be drilled on its own until it is the easiest part of your exam.
Disclaimer
PassProfessor is exam preparation only. It is not pre-licensing education, provides no education credit, and is not affiliated with the South Dakota Division of Insurance, the Department of Labor and Regulation, or Pearson VUE. All practice questions are original works written to the published exam outline; they are not real, recalled, or leaked exam questions.
When can I enroll in the South Dakota program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.