How to Get a Property and Casualty Insurance License in the Old Dominion State
If you want to sell auto insurance, homeowners insurance, renters insurance, commercial property coverage, liability insurance, businessowners policies, or other property and casualty products in the Old Dominion, you will need a Virginia property and casualty insurance license.
Virginia’s licensing process is straightforward, but the exam deserves serious preparation. The Virginia Property & Casualty exam is administered by Prometric, and it is not something you want to approach with generic, recycled study material.
The P&C exam tests a blend of national insurance concepts, Virginia-specific insurance law, policy details, and applied multiple-choice logic. You need to know more than definitions. You need to understand how Prometric asks questions, how answer traps are built, and how Virginia-specific rules show up on exam day.
That is why TESTivity’s Virginia P&C study tools are built from the ground up with Virginia in mind. The goal is not to hand you the same old generic material with “Virginia” sprinkled on top like SEO confetti. The goal is to help you prepare for the exam you are actually going to see.
Quick Facts About the Virginia Property and Casualty Insurance License
| Requirement | Virginia P&C Licensing Detail |
|---|---|
| License type | Property and Casualty Insurance Producer |
| Licensing authority | Virginia State Corporation Commission Bureau of Insurance |
| Testing vendor | Prometric |
| Exam series | VA Property & Casualty, Series 11-03 |
| Exam length | 2.5 hours |
| Exam questions | 135 scored questions plus 10 pretest questions |
| Resident fingerprinting | Required for new resident applicants |
| Fingerprint vendor | Fieldprint |
| Fingerprint fee | $34.95 |
| Application method | Sircon or NIPR |
| Application fee | $15 per line of authority / qualification |
| Renewal fee | $10 per line of authority |
| Continuing education | 16 or 24 hours depending on license mix, including 3 ethics hours |
Prometric identifies Virginia Property & Casualty as exam Series 11-03, and the official outline lists 135 scored questions plus 10 pretest questions with a 2.5-hour time limit.
What Can You Sell With a Virginia Property and Casualty License?
A Virginia property and casualty license allows you to sell insurance products that protect people and businesses against property losses, liability claims, and related financial risks.
Common product areas include:
- Auto insurance
- Homeowners insurance
- Renters insurance
- Dwelling policies
- Personal liability coverage
- Commercial property insurance
- Commercial general liability
- Businessowners policies
- Commercial auto insurance
- Workers compensation
- Inland marine and other specialty coverages
In Virginia, Property and Casualty authority also includes Personal Lines. That matters because applicants should be careful not to apply for both Property & Casualty and Personal Lines unless they have a specific reason to do so. The Virginia licensing bulletin notes that Property and Casualty includes Personal Lines.
For a broader overview of all Virginia license types, visit Insurance Licensing in Virginia: Complete Guide to License Types and Requirements.
How to Get a Property and Casualty Insurance License in Virginia
Most Virginia resident P&C applicants follow five main steps.
Step 1: Confirm That the Virginia P&C License Is the Right License
Before you study, make sure the Property and Casualty license matches the work you want to do.
A Virginia P&C license is usually the right path if you want to sell insurance for:
- Cars and other vehicles
- Homes and rental properties
- Personal liability
- Business property
- Commercial liability
- Small business package policies
- Workers compensation
- Commercial auto
- Property-related risk protection
If your goal is to sell life insurance, annuities, health insurance, disability income, Medicare-related products, or similar coverage, you probably want the How to Get a Life and Health Insurance License in Virginia guide instead.
Step 2: Study for the Virginia Prometric P&C Exam
Virginia uses Prometric for insurance licensing exams. Prometric provides the Virginia insurance exam portal, candidate bulletin, and exam content outlines. Candidates are directed to review the test content outlines before the exam.
This is where many students make their first expensive mistake.
They grab generic insurance study material, memorize a bunch of definitions, take a few practice quizzes, and assume they are ready. Then exam day arrives, Prometric starts serving questions in its own style, and the student realizes the study material did not feel like the actual test.
That is the wrong kind of surprise.
Over more than 20 years of insurance exam prep experience, TESTivity has learned that testing vendors have different personalities. Prometric does not feel exactly like Pearson VUE. Pearson VUE does not feel exactly like PSI. The recurring question patterns, wording, distractors, and overall exam rhythm can vary from one vendor to another.
Virginia is a Prometric state, so your study tools should help you prepare for the Virginia/Prometric experience specifically.
TESTivity’s Virginia P&C tools are designed to help you:
- Learn the Virginia P&C content outline
- Understand national property and casualty concepts
- Study Virginia-specific insurance regulations
- Practice Prometric-style multiple-choice questions
- Build stamina for a timed exam
- Identify weak topics before test day
- Review with flashcards, audio, video, mind maps, games, and AI tutoring
The worst thing you can do is study with material that does not resemble what you are actually going to see on the screen in the testing center.
Why Exam Prep Matters in Virginia
Virginia gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Virginia insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Pass the Virginia Property and Casualty Insurance Exam
The Virginia Property & Casualty exam is Prometric Series 11-03.
| Exam Detail | Virginia P&C Exam |
|---|---|
| Exam name | VA Property & Casualty |
| Exam series | 11-03 |
| Testing vendor | Prometric |
| Scored questions | 135 |
| Pretest questions | 10 |
| Time limit | 2.5 hours |
The official Prometric content outline states that the Virginia Property and Casualty exam includes 135 scored questions plus 10 pretest questions and gives candidates 2.5 hours to complete the exam.
Pretest questions are not scored, but they are mixed into the exam. You will not know which questions are pretest questions, so treat every question seriously.
Virginia P&C Exam Content Outline
The Virginia P&C exam is not one giant blob of insurance trivia. Prometric breaks the exam into weighted content areas, which means some topics carry more exam weight than others.
Here is the official Virginia Property & Casualty exam weighting from Prometric’s Series 11-03 outline:
| Exam Section | Weight |
|---|---|
| Insurance Regulation | 15% |
| General Insurance | 9% |
| Property and Casualty Insurance Basics | 13% |
| Dwelling Policy | 5% |
| Homeowners Policy | 13% |
| Auto Insurance | 16% |
| Commercial Package Policy | 12% |
| Businessowners Policy | 5% |
| Other Coverages and Options | Included in outline |
| State-specific laws, rules, and policy provisions | Integrated throughout |
The largest listed categories include Auto Insurance, Insurance Regulation, Property and Casualty Insurance Basics, Homeowners Policy, and Commercial Package Policy. Those areas deserve serious attention because they represent a large share of the exam’s gravitational pull.
What This Means for Your Study Plan
Do not study every topic with the exact same level of intensity.
A smart Virginia P&C study strategy should give extra attention to:
- Virginia insurance regulation
- Auto insurance
- Homeowners coverage
- Property and casualty fundamentals
- Commercial package policies
- Dwelling coverage
- Businessowners policies
- Virginia-specific rules and policy requirements
That does not mean you can ignore smaller topics. It means you should organize your study time based on exam weight, personal weakness, and how likely a topic is to create confusion under pressure.
P&C is full of “almost right” answers. That is where the exam gets sneaky. You may see answer choices that all sound plausible unless you know the difference between property coverage and liability coverage, personal auto and commercial auto, replacement cost and actual cash value, cancellation and nonrenewal, or named peril and open peril.
This is where practice questions matter. Not random questions. Not “insurance-ish” trivia. You need questions that help you think the way the Virginia Prometric exam expects you to think.
Virginia P&C License Fees
Here are the main licensing costs Virginia P&C applicants should plan for.
| Fee Type | Amount |
|---|---|
| Virginia resident insurance producer application fee | $15 per line of authority / qualification |
| Fingerprinting fee | $34.95 |
| License renewal fee | $10 per line of authority |
| Exam fee | Confirm current fee with Prometric when scheduling |
NIPR lists the Virginia Insurance Producer fee as $15, with fees charged per line of authority.
The Virginia SCC lists the fingerprinting cost as $34.95, including Virginia State Police and FBI fees.
Virginia’s Sircon renewal page lists the renewal fee as $10 per line of authority.
Virginia Fingerprinting and Background Check Requirements
Virginia requires resident applicants for a new insurance license to complete fingerprinting. Fingerprints are collected electronically through Fieldprint and transmitted to the Virginia State Police and FBI for a background check. The results are then sent to the Bureau of Insurance for review.
Important fingerprinting details:
| Requirement | Virginia Detail |
|---|---|
| Fingerprint vendor | Fieldprint |
| Fingerprint method | Electronic live scan |
| Fingerprint fee | $34.95 |
| Validity window | Fingerprints must be no older than 90 days |
| Identification | Bring appointment number and two forms of valid identification |
Virginia’s SCC says fingerprints must be no older than 90 days for use with an application. Fingerprinting may not be required if fingerprints were submitted within the last 12 months, the applicant is currently licensed, and the applicant is applying for the same license type. If applying for a different license type, new fingerprints are required.
Tiny timing issue, giant headache potential. Do not complete fingerprints too early and then let them expire before your application is processed.
Virginia P&C License Application Process
After you pass the Virginia Property & Casualty exam, you can apply for your license online.
Virginia resident applicants typically apply through:
- Sircon
- NIPR
The Virginia SCC instructs resident applicants to apply online and explains that the Bureau normally processes a complete application within 15 business days. Applications involving misdemeanor or felony convictions may take 30 to 60 business days, and the Bureau may close applications if required documentation is not submitted within 30 calendar days.
Before submitting your application, make sure:
- Your legal name matches your exam and application records
- You select the correct line of authority
- You answer background questions accurately
- You provide required documentation
- Your fingerprinting is completed within the valid window
- You monitor email for requests from the Bureau
This is not the moment for “close enough.” Licensing applications are paperwork machines, and paperwork machines enjoy nibbling on tiny inconsistencies.
Does Virginia Require Prelicensing Education for P&C?
Virginia does not list a state-mandated prelicensing education requirement for standard resident Property and Casualty producer applicants on its individual insurance license application page. However, applicants must pass the required exam before applying for an exam-required qualification.
That means Virginia gives you flexibility in how you prepare, but flexibility is not the same thing as a free pass.
You still need to learn:
- Virginia insurance regulation
- Property and casualty insurance basics
- Auto insurance
- Homeowners insurance
- Commercial coverage
- Policy conditions and exclusions
- State-specific rules
- Applied multiple-choice reasoning
A strong exam prep system matters even when a state does not require a formal prelicensing course. In fact, it may matter more because you are responsible for choosing the study tools that will prepare you properly.
Virginia P&C License Renewal and Continuing Education
Virginia individual license renewals are based on the licensee’s birth month and odd/even year of birth. Renewal notices are emailed before expiration, and the renewal fee is $10 per line of authority.
Virginia resident agents must also complete continuing education.
| License Situation | Virginia CE Requirement |
|---|---|
| One license type | 16 credit hours |
| Life & Annuities plus Health only | 16 credit hours |
| Two or more license types | 24 credit hours |
| Ethics requirement | At least 3 ethics hours |
Virginia’s SCC explains that resident agents with one license type, or both Life & Annuities and Health, must complete 16 credit hours. Agents holding two or more license types must complete 24 credit hours, with at least 8 hours applicable to each license type.
If you eventually hold both P&C and another license type, your CE requirement may be higher, so always confirm your exact CE obligation with the Virginia SCC before renewal.
Virginia-Specific P&C Licensing Tips
Study for Prometric, Not Just “Insurance”
Virginia uses Prometric. That means your practice questions should prepare you for Prometric-style wording and structure. The exam is not just asking whether you recognize insurance terms. It is testing whether you can apply those terms in scenario-based questions.
Do Not Underestimate Virginia Regulation
Insurance Regulation is one of the largest sections on the Virginia P&C exam outline. It includes licensing rules, producer responsibilities, unfair trade practices, claims practices, and other state-specific concepts.
Students often want to skip state law because it feels dry. That is a mistake. Dry material can still bite.
Auto Insurance Matters
Auto insurance is one of the largest listed content areas on the Virginia P&C exam. Make sure you understand liability coverage, physical damage, uninsured/underinsured motorist concepts, personal auto policy structure, commercial auto basics, exclusions, and Virginia-specific requirements.
Homeowners and Commercial Coverage Need Real Practice
Homeowners and commercial package policies have their own logic. You need to understand what is covered, what is excluded, who is insured, how limits apply, and how endorsements can change coverage.
Reading those topics once is not enough. You need spaced repetition, practice questions, and review.
P&C Includes Personal Lines in Virginia
Virginia’s bulletin notes that Property and Casualty includes Personal Lines. If you plan to pursue the broader P&C license, be careful not to apply for unnecessary duplicate authority.
Why TESTivity Works for Virginia P&C Exam Prep
A Virginia P&C license is earned by passing a Virginia exam. That sounds obvious, but it is the detail many students miss.
You should not study for “some insurance exam somewhere.” You should study for the Virginia Property & Casualty exam administered by Prometric.
TESTivity’s Virginia P&C learning tools and study packages are state specific. They are built to help students prepare for Virginia’s licensing process, Virginia’s content outline, and the Prometric testing experience.
The TESTivity system gives you multiple ways to learn and retain the material:
- Virginia Insurance Exam Study Guide / Study Manual for structured content review
- Virginia P&C Exam Simulator for Prometric-style practice
- Insurance Exam Flashcards for high-frequency recall
- Insurance Exam Audio Course for study reinforcement while driving, walking, or working
- Insurance Exam Video Course for visual explanations of difficult topics
- Insurance Exam Mind Maps for organizing policy relationships and coverage structure
- Insurance Exam Learning Games for low-friction repetition
- AI Insurance Exam Tutor for weak-area support
- Insurance Exam Cheat Sheet for final review
- TESTivity Platinum Study Package for the complete study system
The Virginia P&C exam rewards students who can recognize coverage patterns, spot exclusions, apply definitions, and stay calm under timed conditions. TESTivity helps you build those skills before exam day.
FAQ: Virginia Property and Casualty Insurance License
About This Virginia P&C Insurance License Guide
This guide was created by the TESTivity insurance licensing education team to help Virginia applicants understand the Property and Casualty licensing process and prepare for the Virginia Prometric insurance exam.
TESTivity has spent more than 20 years helping insurance licensing candidates prepare for state exams using focused, multi-modal study tools. Licensing requirements can change, so always confirm current rules with the Virginia State Corporation Commission Bureau of Insurance and Prometric before scheduling your exam or submitting your application.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Virginia Prometric format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to prepare for your Virginia Property and Casualty exam?
Do not rely on generic study material that was not designed for Virginia or Prometric. TESTivity’s Virginia-specific P&C study tools help you learn the content, practice the question style, and build the confidence you need before test day.
Study for Virginia. Practice for Prometric. Pass with a plan.
Start with the TESTivity Platinum Study Package for the most complete Virginia P&C exam prep experience, including the study manual, exam simulator, flashcards, audio, video, mind maps, learning games, cheat sheet, AI Tutor, and readiness tools.
📋 Official Virginia P&C Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
-
Virginia P&C Insurance Candidate Information Bulletin (PDF)
Direct mirror hosted by GetTheLicense.org -
Virginia Property and Casualty Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
-
Virginia SCC — Bureau of Insurance (BOI)
For resident agent regulations and fee schedules -
Prometric Virginia P&C Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates