Part of the expanding PassProfessor catalog: This program is built — 9,371 questions, built on Prometric’s published Vermont content outline and independently audited — and it opens for enrollment soon. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Vermont licenses property and casualty producers through one combined exam — the Vermont Producer’s Examination for Property and Casualty Insurance, Series 14-31, given by Prometric: 150 scored questions in 2.5 hours, plus 5 unscored experimental questions mixed in, and a score of 70% to pass. PassProfessor’s Vermont program will give you 9,371 original practice questions built on Prometric’s published Vermont content outline — including 1,877 questions in the sections that carry Vermont’s own laws, regulations, and Vermont-specific content — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full Vermont program will be $29 when enrollment opens.
What’s included
A Vermont bank, built on Vermont’s outline. The Vermont exam is not a national exam with a state chapter stapled on. Its first section is Vermont regulation itself — licensing, the Commissioner’s authority, unfair trade practices — and Vermont law runs through the whole outline: the Vermont laws subsection inside Property and Casualty Insurance Basics, Vermont’s motor vehicle financial responsibility laws inside the largest section on the exam, and Vermont workers’ compensation law inside the workers’ compensation section. Our Vermont bank holds 9,371 questions, and 1,877 of them sit in the sections that carry that Vermont-specific content, so the state material can be drilled on its own instead of hunted for.
An explanation on every question. Every one of the 9,371 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, weighted to Prometric’s published outline for Series 14-31 — Auto Insurance is the heaviest section on the real exam at 21% of the scored questions, Homeowners follows at 17%, and the practice draws follow the same proportions. 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 bank section — Insurance Regulation, Vermont laws, regulations and required provisions, Auto Insurance, Workers Compensation Insurance — or sit the full 150-question simulation against the clock. Your results break down by 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, not as it shipped.
Built for how Vermont actually tests. Vermont’s outline names its own institutions and statutes, and the bank follows it into the details: the Vermont Property and Casualty Insurance Guaranty Association and what it does when an insurer fails; cancellation, nonrenewal, and renewal-notice rules that differ from the national defaults; consent-to-rate filings; the Vermont Automobile Insurance Plan for drivers who cannot buy coverage in the voluntary market; uninsured and underinsured motorist law under Title 23; and Vermont workers’ compensation law, including the state administration fund and the choice between the standard policy’s parts. These are not trivia questions bolted onto a national bank — they are the questions the outline itself schedules, in the sections where the outline schedules them, and they are the material a candidate who studies only national content never sees before test day.
One bank for the whole combination exam. Series 14-31 produces a single score, so this program is organized the way the exam is scored: one integrated bank with section-level drills, not separate property and casualty products stitched together. If you later decide you need only one line, the same drills prepare you for the single-line Series 14-41 (Property) or 14-42 (Casualty) exams, whose outlines cover the corresponding halves of this material.
The real exam at a glance
Current as of October 2026, per the Prometric Vermont Licensing Information Bulletin (effective March 18, 2026) and the Prometric Test Content Outline for Series 14-31 (effective November 3, 2019). Full detail — eligibility, registration, retakes, test day — is in our Vermont insurance exam guide.
| Vermont Producer’s Examination for Property & Casualty Insurance (Series 14-31) | |
|---|---|
| Administered by | Prometric, for the Vermont Department of Financial Regulation (DFR) |
| Questions you will see | 155 |
| Scored questions | 150 |
| Unscored experimental questions mixed in | 5 (you cannot tell which they are) |
| Time limit | 2.5 hours (150 minutes) |
| Passing standard | 70% — one final score for the whole combined exam |
| Exam fee | Paid to Prometric when you register (confirm the current amount in your Prometric account before you pay) |
| License fees | $30 application fee + $30 license fee = $60, paid to DFR when you apply (separate from the exam fee) |
- Vermont requires no pre-licensing education for this license. DFR’s producer requirements are an age floor, a character standard, this exam, and an application — no course hours. Prometric’s own scheduling flow lets a candidate who used no pre-licensing school select “Not Applicable.” Preparation is optional in Vermont; passing is not.
- One exam, one score. Series 14-31 is a combination examination: property and casualty are not scored separately, and the complete examination must be passed. (Vermont also offers separate single-line Producer’s Property, Series 14-41, and Producer’s Casualty, Series 14-42, exams for candidates who want only one line.)
- The exam is offered at Prometric test centers and by remote proctoring through Prometric’s ProProctor system.
- You apply for the license after passing: residents wait 48 hours after passing, then apply through NIPR — and Vermont law requires your application to reach the Commissioner within 24 months of the exam date, or the pass cannot support a license.
- Registration has its own clock. A Prometric registration stays valid for 90 calendar days, and rescheduling or cancelling requires at least 24 hours’ notice before your appointment or the exam fee is forfeited. Exam fees are non-refundable and non-transferable, and they apply again in full on a retake — one more reason to book the real exam when your practice says you are ready, not before.
- The questions come in three formats — direct questions, incomplete sentences, and “all of the following except” items — all four-option multiple choice. Your results report your overall percentage and your percentage correct in each major section, which is exactly the breakdown your practice data here mirrors.
How the practice maps to the real exam
Every question in the Vermont bank is tagged to a heading from Prometric’s published Vermont content outline. Counts below are the bank itself, counted question by question. One honest note about the mapping: Vermont’s outline disperses policy-form content — dwelling, homeowners, commercial package, businessowners — across its own top-level sections, while the bank files core policy-form questions under the combined Property and Casualty Insurance Basics and General Insurance headings, so those two headings carry the policy-form depth between them.
| Bank section (Prometric outline heading) | Practice questions |
|---|---|
| 3.0 Property and Casualty Insurance Basics | 5,245 |
| 2.0 General Insurance | 2,249 |
| Insurance Regulation | 785 |
| Vermont laws, regulations and required provisions | 674 |
| Auto Insurance | 154 |
| Workers Compensation Insurance | 139 |
| Other Coverages and Options | 125 |
| Total | 9,371 |
On the real exam, the outline weights those subjects as follows: Auto Insurance 21% (31 scored questions), Homeowners Policy 17% (26), Insurance Regulation 10% (15), Property and Casualty Insurance Basics 10% (15), General Insurance 9% (13), Commercial Package Policy 8% (12), Other Coverages and Options 7% (11), Workers Compensation Insurance 7% (10), Businessowners Policy 6% (9), and Dwelling Policy 5% (8).
Read those weights the way a study plan should be read. Auto and Homeowners together are 57 scored questions — 38% of your entire score — and both sections carry Vermont-specific material (Vermont auto statutes in the first; Vermont special-provisions endorsements in the second). Commercial lines — the Commercial Package Policy, the Businessowners Policy, and the commercial half of the auto section — are where candidates with only personal-lines experience lose ground, and the outline gives them real weight: 21 scored questions across CPP and BOP alone, before commercial auto is counted. At the other end, Dwelling Policy is the smallest section on the exam at 8 questions; it matters, and it should be studied, but an hour spent there buys less than an hour spent on the auto laws. The generated practice exams in this program follow the same proportions, so the mix you practice on is the mix you will be scored on.
How to use it
- Join the notify list today. When enrollment opens, start with the free sample exam — a fixed set of Vermont questions across the outline, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Vermont sections early. Insurance Regulation is 10% of the real exam on its own, and Vermont law is woven through the basics, auto, and workers’ compensation sections as well — licensing rules, cancellation and nonrenewal law, the Vermont Automobile Insurance Plan, the state guaranty association. It is concrete, learnable material, and national materials cover it thinnest.
- Give Auto and Homeowners their combined weight. Together they are 57 of the 150 scored questions — more than a third of the exam. Policy forms and auto law decide this test.
- Sit full generated exams against the clock. 155 questions in 150 minutes is under a minute per question once the experimental items are mixed in. Practice the pace, not just the material.
- Book the real exam through Prometric when your practice scores sit comfortably above 70% on full simulations — then wait 48 hours after passing and apply to DFR through NIPR, well inside the 24-month window.
Pricing
$29 — the full Vermont program, when enrollment opens. All 9,371 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.
Put the whole Vermont path on one line: this program at $29, the Prometric exam fee when you book, and $60 in license fees to DFR after you pass. There is no course fee in that list, because Vermont does not require a course — and if you have already bought a course elsewhere and what you actually need is thousands of outline-weighted questions with explanations, this is the second purchase that does that job on its own. Candidates fail this exam and pay the exam fee twice; the cheapest retake strategy is the preparation that makes one sitting enough.
Frequently asked questions
How many questions are on the Vermont property and casualty exam? You will see 155 questions in 2.5 hours. Of those, 150 are scored, and 5 are unscored experimental questions mixed in so you cannot identify them — Prometric uses them to evaluate questions for future exams. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Vermont P&C exam? 70%. The combination examination produces one final score for property and casualty together — there is no separate property score and casualty score to pass individually, and the complete examination must be passed. Your results show your overall percentage and how you did on each major section of the exam.
Does Vermont require pre-licensing education before the exam? No. Vermont sets no pre-licensing education requirement for the producer license. DFR’s published requirements are that you be at least 18, be deemed competent, trustworthy, and financially responsible, pass the examination, and submit an application with fees. When you schedule with Prometric, you may select “Not Applicable” for the pre-licensing school question if you prepared without one.
How much does it cost to get a Vermont P&C license? The exam fee is paid to Prometric when you register — confirm the current amount in your Prometric account as you book, because fees change. After you pass, the license application carries a $30 application fee plus a $30 license fee ($60 total), paid to the Vermont Department of Financial Regulation through NIPR. There is no state-required course fee, because Vermont requires no course — preparation, like this program at $29, is your choice.
Who administers the Vermont insurance exam? Prometric administers the exam for the Vermont Department of Financial Regulation. You create a profile and schedule on Prometric’s Vermont insurance page, or by phone at 800-868-6113. You may test at a Prometric test center or remotely through ProProctor.
What do I do after I pass? Wait 48 hours — DFR requires that pause before a resident’s electronic application can be submitted — then apply through NIPR with the $30 application fee and $30 license fee. Vermont law (8 V.S.A. § 4800) requires your application to be submitted within 24 months of the date you passed. After you are licensed, an insurer must appoint you as its agent before you can act for that insurer.
What happens if I fail? You register again with Prometric and test again; the bulletin publishes no waiting period and no attempt limit for this exam, and the exam fee applies to each attempt. Your score information breaks your performance down by major section, and your practice data here breaks down the same way, so a retake plan can target the sections that cost you.
How long is my passing score good for? Two years. Vermont law requires your license application within 24 months of the examination date, and NIPR lists Vermont exam scores as valid for 2 years. File well inside that window.
Are these the actual exam questions? No. Every PassProfessor question is written by us, from scratch, to Prometric’s published Vermont content outline and Vermont 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.
Does this program count as pre-licensing education? Vermont 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. (The 24 hours of continuing education Vermont producers complete every two years is a renewal requirement for licensees, not a pre-licensing requirement, and this program does not provide that either.)
Why does the Vermont content get its own drills? Because Vermont law is not one section of this exam — it is the whole first section (Insurance Regulation, 10% of the score) plus the Vermont laws subsection of the basics section, plus Vermont’s financial responsibility and assigned-risk rules inside the 31-question auto section, plus Vermont workers’ compensation law. Our bank holds 1,877 questions in the sections carrying Vermont-specific content, including 674 in the dedicated Vermont laws, regulations and required provisions section, so that material 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 Vermont Department of Financial Regulation, Prometric, or NIPR. Questions are original, written to Prometric’s published Vermont content outline — they are not real exam questions. Passing a practice exam does not guarantee passing the real exam or being issued a license; issuance depends on DFR’s review of your application.
When can I enroll in the Vermont program? Soon — the question bank is complete and the program is in final preparation. Join the notify list on this page and we will email you the day enrollment opens.