Georgia property and casualty practice exam
Free property and casualty practice for the Georgia producer exam: 367 general questions plus 17 Georgia state law questions, each with an explanation.
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Getting your Georgia property and casualty license
Georgia's combined property and casualty exam allows 2.5 hours and costs $67 through Pearson VUE. You need an 8-hour course for each line within the last 12 months, and 70 percent to pass.
- Exam provider
- Pearson VUE
- Exam length
- Property or casualty alone: 2 hours. Combined property and casualty: 2.5 hours.
- Passing score
- 70 percent
- Exam fee
- $67
- Application fee
- $120
- Pre-licensing education
- 8-hour property course and 8-hour casualty course, taken within the last 12 months
- Fingerprints
- Required, submitted electronically for a criminal background check
- Retakes
- Wait 14 days after your first and second failed attempts, then 60 days after each later attempt
How to plan your retake
Retake rules by state - Continuing education
- 24 hours every 2 years, including 3 hours of ethics, due by the end of your birth month (20 hours after 20 years of service)
Official links
- Georgia Office of Insurance and Safety Fire Commissioner - official state insurance department
- Pearson VUE, Georgia Insurance Candidate Handbook (Oct 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Georgia Office of Insurance and Safety Fire Commissioner and your exam's candidate handbook before you register.
Georgia state law questions
Every Georgia question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many continuing education hours must a Georgia agent with less than 20 years of service complete every two years?
- 30 hours, including 6 hours of ethics
- 20 hours, including 3 hours of ethics
- 24 hours, including 3 hours of ethics
- 12 hours, including 2 hours of ethics
Show answer
Georgia requires 24 hours biennially for agents with less than 20 years of service, including 3 ethics hours.
2. Georgia limits carried-forward CE credit from one period to what share of the biennial requirement?
- 25 percent
- 75 percent
- 50 percent
- There is no limit
Show answer
Carried-forward credit cannot exceed 50 percent of the biennial requirement, which is 12 hours of a 24-hour requirement.
3. A Georgia agent took an approved ethics course in the previous renewal period and has extra ethics hours. How do those hours apply to the current period?
- They cannot satisfy the current ethics requirement because ethics must be taken each renewal period
- They satisfy the ethics requirement for the current period
- They count only if taken within the last 6 months
- They count double toward general hours
Show answer
Georgia states that ethics courses must be taken each renewal period and previous courses cannot complete the requirement.
Auto Insurance
1 question
1. What are the minimum auto liability limits required by Georgia law?
- $50,000 per person, $100,000 per accident, $50,000 property damage
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
- $15,000 per person, $30,000 per accident, $10,000 property damage
Show answer
Georgia's minimum is 25/50/25: $25,000 per person and $50,000 per incident for bodily injury, and $25,000 for property damage.
Cancellation and Nonrenewal
9 questions
1. A Georgia auto insured who believes a nonrenewal is unfair must request a review in writing within how long of receiving the notice?
- 15 days
- 5 days
- 60 days
- 10 days
Show answer
The Georgia OCI auto guide says a written review request must be made within 15 days of the nonrenewal notice.
2. According to the Georgia OCI auto guide, an insured who has been with the same insurer at least three years cannot be nonrenewed for:
- Fraud in the application
- Nonpayment of premium
- Just one claim, even an at-fault claim
- A suspended license
Show answer
The guide states that after three years with an insurer, a single claim, even one that is the insured's fault, cannot be the sole reason for nonrenewal.
3. Under OCI Bulletin 24-EX-2, a Georgia residential property insurer's nonrenewal notice must state the reason and give an effective date at least how long after mailing or delivery?
- 60 days
- 30 days
- 45 days
- 10 days
Show answer
The bulletin requires a written nonrenewal notice stating the reason, with an effective date at least 30 days after it is mailed or delivered.
4. Which reason for nonrenewing a Georgia residential property policy is prohibited under OCI Bulletin 24-EX-2?
- The insured did not pay the premium
- Two or fewer claims in the preceding 36 months that were not caused by the insured's negligent or intentional acts
- The insured misrepresented material facts
- The property is vacant for 12 months
Show answer
The bulletin bars nonrenewal based on two or fewer claims in 36 months unless they resulted from the negligent or intentional acts of the insured or people living at the premises.
5. After a Georgia residential property policy has been in effect 60 days, which of the following is NOT a permitted reason for cancellation under OCI Bulletin 24-EX-2?
- Nonpayment of premium
- Discovery of fraud
- A substantial change in risk that increases a covered hazard
- The insured's neighbor filed a claim
Show answer
After 60 days, cancellation is limited to nonpayment, discovered fraud, a substantial increase in a covered hazard, or violation of a material term. A neighbor's claim is not a ground.
6. Before reducing coverage on a Georgia residential property renewal, the insurer must send a separate document with what title and format?
- COVERAGE UPDATE, in any readable type
- NOTICE OF POLICY CHANGE, in bold 10-point type
- NOTICE OF NONRENEWAL, in 14-point type
- NOTICE OF REDUCTION IN COVERAGE, in all capital letters and at least 12-point type
Show answer
OCI Bulletin 24-EX-2 requires a separate notice titled NOTICE OF REDUCTION IN COVERAGE in all capital letters and at least 12-point type.
7. Under the OCI Guide to Business Insurance, how much advance notice does a Georgia insurer owe for cancelling or nonrenewing a commercial workers' compensation policy?
- 30 days
- 10 days
- 45 days
- 75 days
Show answer
The guide lists 75 days' advance notice for workers' compensation cancellations and nonrenewals, versus 45 days for other business property and liability policies.
8. For commercial property and liability policies other than workers' compensation, Georgia requires how many days' advance notice of cancellation or nonrenewal, outside the 10-day exceptions?
- 90 days
- 30 days
- 60 days
- 45 days
Show answer
The OCI business guide lists 45 days for cancellations, nonrenewals, and rate increases over 15 percent. Only nonpayment or the first 60 days of a policy allow 10 days.
9. While the Georgia Commissioner reviews a cancellation or nonrenewal, the insured must tender what to keep coverage in force?
- The full annual premium
- A $500 deposit
- A 30-day pro rata premium portion
- Nothing, because coverage continues free of charge
Show answer
Rule 120-2-53-.04 requires the insured to tender, and the insurer to accept, a 30-day pro rata premium portion during the review.
Workers Compensation
2 questions
1. Georgia requires workers' compensation insurance for businesses with at least how many workers, including regular part-time workers?
- 10
- 3
- 1
- 5
Show answer
The State Board of Workers' Compensation states that businesses with three or more workers, including regular part-time workers, must carry coverage.
2. In Georgia, a worker's weekly income benefits begin if the worker is unable to work for more than how many days?
- 7 days
- 30 days
- 3 days
- 14 days
Show answer
The State Board says weekly income benefits start if the worker cannot work for more than 7 days. If disability lasts more than 21 consecutive days, the first week is also paid.
Guaranty Association
1 question
1. Under the Georgia Insurers Insolvency Pool Act, the cap that applies to most third-party covered claims does NOT apply to:
- Homeowners claims
- Workers' compensation claims
- Auto liability claims
- Commercial general liability claims
Show answer
O.C.G.A. 33-36-3(4) limits other covered claims to the policy limit or a set cap, but exempts third-party workers' compensation claims from that cap.
Residual Markets
1 question
1. The Georgia Underwriting Association, also called the FAIR Plan, is best described as:
- A state fund that pays claims of insolvent insurers
- A rating bureau that files rates for all insurers
- A last-resort source of property insurance, usually costlier and more limited than private coverage
- The state's assigned risk plan for workers' compensation
Show answer
The OCI business guide describes the GUA as a last-resort property insurance option that is usually costlier and more limited than private coverage.
Key Georgia terms
17 plain-English cards on Georgia insurance law, from the Georgia flashcard deck.
Licensing and CE
- Georgia P&C prelicensing
- An 8-hour property course and an 8-hour casualty course, taken within the last 12 months.
- Georgia exam retake waits
- 14 days after the first and second failed attempts, then 60 days after each later attempt.
- Georgia CE requirement
- 24 hours every two years, including 3 hours of ethics, due by the end of the birth month. Agents with 20 or more years of service need 20.
- Georgia CE carryforward
- Carried-forward credit is capped at 50 percent of the biennial requirement, and ethics must be taken fresh each period.
Auto Insurance
- Georgia auto liability minimums
- 25/50/25: $25,000 per person and $50,000 per accident bodily injury, $25,000 property damage.
Cancellation and Nonrenewal
- Georgia auto nonrenewal review
- An insured who thinks an auto nonrenewal is unfair must request review in writing within 15 days of the notice.
- Georgia three-year auto protection
- After three years with the same insurer, one claim, even at fault, cannot be the sole reason for nonrenewal.
- Georgia premium during review
- While the Commissioner reviews a cancellation or nonrenewal, the insured tenders and the insurer accepts a 30-day pro rata premium.
- Georgia residential nonrenewal notice
- Written, stating the reason, effective at least 30 days after it is mailed or delivered.
- Georgia residential claims nonrenewal
- Nonrenewal for two or fewer claims in 36 months is barred unless they came from the insured's negligent or intentional acts.
- Georgia residential cancellation after 60 days
- Only for nonpayment, discovered fraud, a substantial increase in a covered hazard, or violating a material policy term.
- Georgia reduction in coverage notice
- A separate notice titled NOTICE OF REDUCTION IN COVERAGE, in all capital letters and at least 12-point type, before reducing coverage at renewal.
- Georgia commercial notice periods
- 75 days for workers comp cancellation or nonrenewal; 45 days for other business policies and rate increases over 15 percent.
Residual Markets
- Georgia Underwriting Association
- Georgia's FAIR Plan. A last-resort source of property insurance, usually costlier and more limited than private coverage.
Guaranty Association
- Georgia Insurers Insolvency Pool
- Pays covered claims of insolvent insurers up to the policy limit or a statutory cap. Third-party workers comp claims are not capped.
Workers Compensation
- Georgia workers comp requirement
- Businesses with 3 or more workers, counting regular part-time workers, must carry it.
- Georgia income benefit waiting period
- Weekly income benefits start if the worker cannot work for more than 7 days; after 21 consecutive days, the first week is paid too.
Keep studying
The general topics make up most of the exam.
Georgia exam questions
How long do I have to wait to retake the Georgia insurance exam?
14 days after your first and second failed attempts. After the third attempt and any later ones, the wait is 60 days.Source: Pearson VUE, Georgia Insurance Candidate Handbook (Oct 2026)
How many pre-licensing hours does Georgia require for property and casualty?
An 8-hour property course and an 8-hour casualty course, both taken within the last 12 months.Source: Pearson VUE, Georgia Insurance Candidate Handbook (Oct 2026)
What is the passing score in Georgia?
70 percent. The combined property and casualty exam allows 2.5 hours.Source: Pearson VUE, Georgia Insurance Candidate Handbook (Oct 2026)
How much of the Georgia property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Georgia candidate handbook from your testing provider for the exact content outline.
What does the Georgia state law section cover?
Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Workers Compensation, Guaranty Association, Residual Markets.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Georgia state law questions.