PassProfessor’s Utah program is part of the expanding PassProfessor catalog. The 9,437-question Utah practice bank is built and audited, and enrollment opens soon. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Utah P&C exam, in one paragraph
The Utah Producer’s Combined Property and Casualty Exam (Series 17-04) is the licensing exam for Utah’s property and casualty producer license, administered by Prometric for the Utah Insurance Department. You will see 155 multiple-choice questions in 2½ hours: 150 are scored, and 5 are unscored experimental questions you cannot identify. You pass with 70% of the scored questions, and the combined exam produces one final score — there is no separate property score and casualty score to clear. Utah requires no pre-licensing education for this license, so the sequence is short but unforgiving: pass the exam, apply for the license within 90 days, and complete live-scan fingerprinting at a Prometric test center.
Who can take the Utah P&C exam?
Utah’s front door is simple, and the Licensing Information Bulletin states the resident producer requirements directly. To qualify for a Utah resident producer license, you must:
- Be at least 18 years old.
- Be a resident of Utah.
- Be of good character and competency.
- Pass the license examination required by statute — this one, for the property and casualty lines.
And to actually transact insurance once licensed, you must hold a current license for the line being transacted, be appointed by an authorized insurer or designated by a licensed agency, and be under contract with that insurer or agency. A license without an appointment stays active but cannot be used to sell.
Three further points the bulletin is explicit about:
- Complete no pre-licensing education. “The Utah Insurance Department does not require you to complete a training course before you take a Utah insurance examination.” The Department does not provide study materials, does not recommend any supplier, and does not evaluate training courses — preparation is entirely your choice, which makes the quality of your preparation the variable you control.
- Disclose your history. If you have ever been the subject of a civil or criminal proceeding — misdemeanor or felony — including disciplinary proceedings by an insurance department, you must disclose it on the license application and submit supporting documents electronically. Applications containing inaccurate or untruthful information may be denied, and passing the exam does not guarantee a license will be issued: issuance depends on the Department’s review of all application materials, including the fingerprint background check described in §5.
- New residents have a shortcut, with a deadline. Utah is reciprocal for producers moving into the state. If you were licensed in another state, apply within 90 days of canceling that license (in good standing) and within 90 days of becoming a Utah legal resident, with proof of residency and evidence of good standing, and no examination is required. Miss the 90-day window and a Utah Laws and Regulations exam will be required instead.
Utah also licenses the property and casualty lines separately — a Producer’s Property Exam (Series 17-22) and a Producer’s Casualty Exam (Series 17-23), $32 each — for candidates who need only one line. Most full P&C producers take the combined Series 17-04 covered here. (Consultants and adjusters sit different exams entirely and are outside this guide.)
The exam, piece by piece
The exam is a single sitting built from Prometric’s Series 17-04 content outline (effective January 1, 2020). Unlike states that split an exam into a “general” part and a “state” part, Utah’s outline integrates Utah law into the sections where it belongs: the regulation section is Utah statute, the basics section contains a dedicated Utah laws block, and the auto and workers’ compensation sections test Utah’s own statutes, plans, and funds. The percentages below are the outline’s published weights; the item counts are the outline’s own, and they sum to the 150 scored questions.
| Section | Weight | Scored questions | What it covers |
|---|---|---|---|
| 1.0 Insurance Regulation | 11% | 17 | Licensing, the Commissioner’s duties and powers, company and producer regulation, unfair marketing and claims practices, federal regulation — grounded in Utah Code Title 31A and Department rules |
| 2.0 General Insurance | 10% | 15 | Risk and risk management, types of insurers, producers and agency, and the elements of a legal contract |
| 3.0 Property and Casualty Insurance Basics | 12% | 18 | Principles and concepts, policy structure, common policy provisions — plus §3.4, Utah laws, regulations and required provisions: the Utah P&C Insurance Guaranty Association, cancellation/issuance/renewal, binders, and other Utah-specific rules |
| 4.0 Dwelling Policy | 4% | 6 | Characteristics and purpose, coverage forms and perils, property coverages, exclusions, conditions, endorsements, the personal liability supplement |
| 5.0 Homeowners Policy | 12% | 18 | Coverage forms HO-2 through HO-6 and HO-8, Section I property and Section II liability coverages, perils, exclusions, conditions, endorsements |
| 6.0 Auto Insurance | 13% | 20 | Utah law first: the Financial Responsibility Act, required liability limits, personal injury protection (Utah’s no-fault coverage), uninsured/underinsured motorist, the Utah Assigned Risk Insurance Plan — then the personal auto policy and commercial auto |
| 7.0 Commercial Package Policy | 11% | 16 | Components of a commercial policy, commercial general liability, commercial property, crime, inland marine, equipment breakdown, farm coverage |
| 8.0 Businessowners Policy | 8% | 12 | Characteristics, Section I property, Section II liability, Section III common conditions, endorsements |
| 9.0 Workers Compensation Insurance | 11% | 16 | Utah Workers’ Compensation Law (exclusive remedy, covered employment and injuries, benefits), the policy’s parts, premium computation — and Utah institutions: the Workers’ Compensation Fund, the Employers’ Reinsurance Fund, and the Uninsured Employers’ Fund |
| 10.0 Other Coverages and Options | 8% | 12 | Umbrella and excess liability, specialty liability, surplus lines, surety bonds, aviation, ocean marine, boatowners and other policies |
| Total scored | 100% | 150 | Plus 5 unscored experimental questions = 155 on screen |
Three structural facts that shape how you should prepare:
- No section dominates, and none is trivial. The heaviest section (Auto, 20 questions) and the lightest (Dwelling, 6) are separated by only 14 questions. Eight of the ten sections carry between 12 and 20 questions — this is a breadth exam, and a section you skip entirely is a section-sized hole in your score.
- Utah law is everywhere, not in one place. There is no single “state section” to cram the night before. Utah statutes anchor the 17-question regulation section, sit inside basics as their own block, open the auto section, and define the workers’ compensation section’s institutions. Candidates who prepare from a national textbook alone walk in underprepared across four sections at once.
- There is one score, not two. The combined exam results in one final score, and you must pass the complete exam to qualify for a license. A strong commercial-lines performance can offset a weak dwelling performance — and the reverse is also true.
Experimental questions. Five of the questions on screen are experimental items Prometric is gathering statistics on before using them as scored questions. They are distributed throughout the exam, they are not identified, and they will not be counted for or against you in your final score. There is no way to game them — the only correct strategy is to treat every question as scored.
Question formats. All questions are four-option multiple choice, in three formats: direct questions, incomplete sentences, and “all of the following EXCEPT” items. No calculators are allowed on these exams.
The passing standard, explained
You pass with a score of 70% — 105 of the 150 scored questions.
Utah’s scoring is refreshingly direct compared with states that use scaled scores. When you finish, your score is shown on screen and you receive a printed score report that states your overall score and grade — including the numerical percentage of questions you answered correctly — and whether you passed or failed. What you see is what you earned: 70% means 70%.
Two consequences follow:
- The report doubles as a study plan. The report also displays the percentage you answered correctly in each major section of the exam, as defined by the content outline. Prometric provides those section scores specifically to show you — or your employer or trainer — which areas need additional preparation before a retest. A failed attempt tells you exactly where it was lost, in the outline’s own categories.
- Your practice percentages mean something here. Because the real score is a straight percentage of scored questions, a full-length practice simulation is a reasonable predictor in a way it cannot be on a scaled-score exam. The safe approach is still the same: practice until your full simulations sit comfortably above 70% with no outline section left weak, because the experimental items and a hard draw can move a borderline performance either way.
For calibration: the Utah Insurance Department and Prometric do not publish a pass rate in the bulletin, but NAIC examination statistics for exams taken in 2025 record 771 passes out of 1,086 candidates on this exam — about 71%. The exam is passable and routinely passed, by candidates who prepare against the outline. The roughly three in ten who do not pass are disproportionately the ones who treated a no-course-required state as a no-preparation-required exam.
Prometric electronically notifies the Department of your results within 48 hours of passing. Exam scores are confidential — revealed only to you and the Department — and you may request a duplicate score report free of charge for up to one year after the exam.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and almost all of them are non-refundable.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee (Series 17-04) | $44 | Prometric | When you register |
| License application (individual producer) | $75 | Utah Insurance Department, via Sircon or NIPR | After you pass |
| FBI/BCI fingerprint fee | $32 ($12 FBI / $20 BCI) | Collected during the online license application | After you pass, before fingerprinting |
| Prometric fingerprint processing fee | $6 | Prometric | After you pass (do not pay it before — see below) |
The sequence, in order:
- Register, pay, and schedule with Prometric. Do all three at once online at www.prometric.com/utah/insurance, or by phone at 888-226-8740 (6 a.m.–7 p.m. Mountain, Monday–Friday; shorter hours on weekends). Registration by fax or mail is also possible but is a slower two-step process. Register under your legal name: the first name, last name, and date of birth on your registration must match your government-issued ID exactly, and your Social Security number must match your Social Security card. The bulletin is blunt about this — errors “will PREVENT you from applying for licensure” and can take weeks to fix.
- Choose where to test. You may sit the exam at any Prometric test center in the United States (Utah centers include Lindon, Salt Lake City, St. George, and Taylorsville) or remotely from home through Prometric’s ProProctor application, which requires a computer — tablets are prohibited — with a camera, microphone, and internet connection, and a system check before scheduling. One asymmetry matters: fingerprinting can only be done at a Prometric test center in Utah, so remote candidates should plan that trip before they pass, not after.
- Mind the rescheduling rule. To reschedule without losing your fee, contact Prometric at least 24 hours before your appointment. Cancel inside 24 hours, arrive more than 30 minutes late, or fail to appear, and the exam fee is forfeited. Exam fees are not refundable or transferable.
- Take the exam. Arrive at least 30 minutes early with the identification described in §8. You receive your score on screen and a printed score report before you leave.
- Apply and get fingerprinted — the steps in §6. These happen after passing, and the 90-day clock in §7 is already running.
After you pass
This is the section most candidates skim and the one with the hardest deadline in Utah licensing.
- Apply electronically — required, not optional. After passing, complete and submit your license application through Sircon or NIPR. There is a kiosk at the test center for this purpose, so the standard path is: pass, walk to the kiosk, apply, and pay all fees by credit card. You may also apply later from home or office at sircon.com or nipr.com. The individual producer application fee is $75.
- Pay the fingerprint charges as part of the application. The online application includes the FBI/BCI fingerprint fee — $12 FBI / $20 BCI — paid by credit card during the process. Print your Sircon or NIPR confirmation page: it is your proof of payment, and the test center supervisor will require it before scanning your prints.
- Pay Prometric’s $6 processing fee — after passing, not before. Register for the fingerprinting processing service online at prometric.com/utah/insurance or by calling 888-226-8740. The bulletin recommends you do not pay this fee until you have passed, because you will not be fingerprinted if you do not pass, and all fees are non-refundable.
- Have your fingerprints scanned at a Prometric test center. Fingerprinting uses live-scan technology, which digitally captures and transmits your prints to the Utah Department of Public Safety’s Bureau of Criminal Identification (BCI) and the FBI for a criminal history background check. Show the supervisor your passing score report and your payment confirmation. If you leave the test center without being scanned, you must schedule a return appointment and bring both documents with you. Fingerprinting is required for initial resident licensees only — if you already hold a Utah resident license and are adding a line of authority, it is not required again.
- Wait for the Department’s review. Fingerprint results return to the Department, which evaluates the results together with your application before issuing any license. Passing the exam alone does not guarantee issuance.
- Print your license and get appointed. The Department no longer prints and mails licenses; once issued, print yours from sircon.com/utah at no cost. Then, before you can sell, solicit, or negotiate insurance, you must be appointed by an insurer or designated by a licensed agency and be under contract with it — contact your employing company or agency to set that up.
Retakes and score validity
- Score validity is 90 days. Your application and fee must be submitted within 90 days of passing your exam. After 90 days, the exam must be retaken in order for a license to be issued — whatever your score was. Utah’s window is among the shortest in the country, and it is the single most expensive deadline to miss: the fix is a new exam, not a late fee.
- Retakes. If you do not pass, the bulletin’s process is simply to repeat the register–prepare–test steps until you do: register again, pay the $44 exam fee again, and test again. The bulletin states no separate waiting period or attempt cap for this exam. Use the section percentages on your score report to rebuild your preparation around the sections that cost you — a second attempt with the same preparation usually produces the same result.
- A license is a two-year commitment cycle. Once licensed, renewals are completed electronically through Sircon or NIPR (the Department sends a reminder about 90 days before expiration), and Utah producers complete 24 hours of continuing education per two-year license period, including 3 hours of ethics, under Utah Code §31A-23a-202 — a requirement the Series 17-04 outline itself tests, in the regulation section.
Test day
- Arrive 30 minutes early. Sign-in, ID verification, and security checks take time. Arriving more than 30 minutes late can mean you are not allowed to test, with your fee forfeited.
- Bring the right identification. Your ID must be government-issued (driver’s license, state ID, passport, or military ID), unexpired, and contain both a current photo and a signature — if no single document has both, bring two: one with a photo, one with a signature. The name must exactly match your registration, including designations such as “Jr.” and “III.” Failing to provide appropriate ID is treated as a missed appointment and means paying the full exam fee again.
- Expect real security. Testing sessions are video- and audio-recorded and monitored by walkthroughs. You will be scanned with a metal-detector wand before every entry into the test room, asked to empty and turn out your pockets and raise sleeves and pant legs, and required to remove eyeglasses for inspection. Personal items — outerwear, hats, food, drinks, bags, watches, phones, and any recording or photographic equipment — do not enter the room; weapons are not allowed at any Prometric center. Soft ear plugs and center-supplied tissues are permitted. You may not use any electronic device during breaks.
- No calculators are allowed on these exams.
- Remote candidates (ProProctor): the same exam and the same rules against outside materials apply from home, with a computer, camera, microphone, and a passing system check required before you schedule. Remember that your fingerprinting still requires an in-person trip to a Utah Prometric center after you pass.
- Pace for 155, not 150. You have 150 minutes for everything on screen, including the 5 experimental items you cannot identify — just under a minute per question. Flag-and-return discipline matters: a hard question costs the same minute whether you answer it now or after the ones you know.
- Results are immediate. Your score appears on screen at the end of the exam and you receive a printed score report. If you passed, the kiosk-and-fingerprint sequence in §6 can happen in the same visit — have a credit card with you.
How to study for this exam
The outline is the syllabus — Prometric publishes exactly what the exam covers, section by section, and the weights above are question counts, not suggestions. A plan built on that structure:
- Start with the Utah material, because it is not confined to one section. Regulation (17 questions) is Title 31A licensing law. Basics carries its own Utah laws block — the Guaranty Association, cancellation and renewal, binders. Auto opens with Utah statutes: financial responsibility, required limits, personal injury protection, UM/UIM, the Assigned Risk Plan. Workers’ compensation is built around Utah’s law and its three funds. Learn the Utah institutions and rules as their own study track, in parallel with everything else, not as a final-week add-on.
- Respect the breadth. With eight sections between 12 and 20 questions, there is no single section to master and ignore the rest. The two largest content blocks — auto (20) and the homeowners/basics pair (18 each) — deserve the most hours, but a zero in dwelling or businessowners is 6–12 questions surrendered.
- Learn terms in context, not as a glossary. General Insurance and the basics sections test vocabulary — risk, hazard, peril, indemnity, coinsurance, negligence — through scenarios. Definitions learned inside questions stick; definitions learned off a list leak.
- Practice at full length, against the clock. 155 questions in 150 minutes is a pacing skill separate from knowledge. Full generated practice exams at the real weights build both; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
- Schedule the exam when your simulations say so — consistently comfortable full-exam scores above 70% with no section collapsing — and schedule it with the 90-day application window in mind: pass when you are ready to apply and be fingerprinted immediately, not months before you intend to start.
This program’s Utah practice bank (9,437 questions, including 1,943 in the bank’s Utah-specific sections) is built on this same outline. The Utah Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Utah P&C exam? 155 questions appear on screen in 2½ hours. 150 are scored, and 5 are unscored experimental questions mixed in so candidates cannot tell them apart.
What is the passing score for the Utah insurance exam? 70% of the scored questions — 105 of 150. The combined exam produces one final score; there are no separate property and casualty pass marks inside it. Your score report shows your overall percentage and your percentage in each major outline section.
Does Utah require pre-licensing education for a P&C license? No. The Licensing Information Bulletin states that the Utah Insurance Department does not require you to complete a training course before taking a Utah insurance examination. You prepare on your own, pass the Prometric exam, apply, and get fingerprinted.
How much does the Utah P&C exam cost? The exam fee is $44, paid to Prometric when you register. After you pass, the license application is $75 through Sircon or NIPR, plus fingerprinting charges: a $32 FBI/BCI fee paid during the application and a $6 Prometric processing fee.
How do I register for the Utah insurance exam? Register, pay, and schedule at prometric.com/utah/insurance, or by phone at 888-226-8740. Fax and mail registration exist but take two steps and more time. Your registration name and details must match your government ID and Social Security card exactly.
Can I take the Utah insurance exam online? Yes. Prometric offers the exam at test centers and remotely through its ProProctor service, with a computer, camera, microphone, and system check required for the remote option. Fingerprinting after you pass, however, must be done in person at a Prometric test center in Utah.
What happens after I pass the Utah P&C exam? Apply electronically through Sircon or NIPR — there is a kiosk at the test center — pay the $75 application fee and the $32 FBI/BCI fingerprint fee, pay Prometric’s $6 processing fee, and have your live-scan fingerprints taken at a Prometric test center. The Department reviews your application and fingerprint results before issuing the license; you then print your license and obtain an insurer appointment before selling.
How long is my Utah exam score valid? 90 days. Your application and fee must be submitted within 90 days of passing; after that, the exam must be retaken before a license can be issued.
If I fail, how soon can I retake the Utah exam? You register and schedule again through Prometric and pay the $44 fee for the new attempt; the bulletin states no additional waiting period or attempt limit. Your failed score report’s section percentages show where to rebuild.
Do I need fingerprints if I already hold a Utah license? No. Fingerprinting is required for initial resident licensees. A licensee adding a line of authority to an existing resident license is not fingerprinted again.
I just moved to Utah with a license from another state. Do I have to test? Not if you move quickly. Apply within 90 days of canceling your prior state’s license (which must have been in good standing) and within 90 days of becoming a Utah resident, with proof of residency and evidence of good standing, and the exam is waived. After 90 days, a Utah Laws and Regulations exam is required.
What Utah-specific topics does the exam cover? The Utah Insurance Code’s licensing and producer rules, the Utah Property and Casualty Insurance Guaranty Association, Utah cancellation and required-provision rules, the Financial Responsibility Act and required auto limits, personal injury protection (no-fault), uninsured/underinsured motorist rules, the Utah Assigned Risk Insurance Plan, and Utah workers’ compensation — including the Workers’ Compensation Fund, the Employers’ Reinsurance Fund, and the Uninsured Employers’ Fund.
Are calculators allowed on the Utah exam? No. Prometric’s bulletin states that no calculators are allowed on these exams.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Utah Insurance Department, Prometric, or any state agency or exam vendor. This guide is general information about the Utah licensing exam, current as of October 2026; Utah Insurance Department and Prometric publications govern if anything here differs from them.