Missouri property and casualty practice exam
Free property and casualty practice for the Missouri producer exam: 367 general questions plus 13 Missouri state law questions, each with an explanation.
Licensing facts checked on
Loading practice test... If it does not open, reload this page.
Studying for Life and Health? Missouri life and health practice exam
Getting your Missouri property and casualty license
Missouri does not require pre-licensing courses. The combined Pearson VUE property and casualty exam takes 3 hours and costs $40, and scores are valid for one year.
- Exam provider
- Pearson VUE
- Pre-licensing education
- Not required
- Exam fee
- Property or casualty alone: $32. Combined property and casualty: $40.
- Exam length
- Property or casualty alone: 2 hours. Combined property and casualty: 3 hours.
- Passing score
- 70 on a scaled score. The passing score is set by the Missouri Department of Insurance.
- Retakes
- Wait one day before scheduling a retake
How to plan your retake
Retake rules by state - Score valid for
- One year
- Application fee
- $100
- Continuing education
- 16 hours every 2 years, including at least 3 hours of ethics
Official links
- Missouri Department of Commerce and Insurance - official state insurance department
- Missouri DCI, Resident Producer Licensing Application and Requirements - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Missouri Department of Commerce and Insurance and your exam's candidate handbook before you register.
Missouri state law questions
Every Missouri question with its answer, explanation, and the law it comes from.
Licensing and CE
4 questions
1. How many CE hours must a Missouri resident Property and Casualty producer complete each biennium?
- 24 hours
- 12 hours
- 16 hours
- 8 hours
Show answer
The Missouri Department of Commerce and Insurance lists 16 hours per biennium for Property and/or Casualty.
2. Missouri's 16-hour P&C CE requirement must include at least how many hours of insurance ethics?
- 3 hours
- 1 hour
- 6 hours
- 8 hours
Show answer
The requirement must include at least three hours of instruction in insurance ethics.
3. A Missouri resident title producer must complete how many CE hours per biennium?
- 16 hours
- 8 hours
- 24 hours
- 4 hours
Show answer
Title producers need 8 hours per biennium, and the title row lists no ethics requirement.
4. When must Missouri CE courses be completed to count?
- Any time within five years before renewal
- Only in the last 30 days before renewal
- Within the first year after licensing only
- During the biennium to which they are to be applied
Show answer
Courses must be completed during the biennium to which they are applied, and courses cannot be duplicated within a renewal period.
Auto Insurance
5 questions
1. What are Missouri's minimum liability limits according to the Department of Revenue?
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $20,000 per person, $40,000 per accident, $10,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
- $15,000 per person, $30,000 per accident, $5,000 property damage
Show answer
The Department of Revenue lists Missouri minimums of 25/50/25.
2. Missouri's Department of Revenue says the required uninsured motorist bodily injury coverage is:
- $10,000 per person and $20,000 per accident
- $50,000 per person and $100,000 per accident
- $25,000 per person and $50,000 per accident
- Optional and never required
Show answer
Uninsured motorist coverage is required in Missouri at $25,000 per person and $50,000 per accident.
3. In Missouri, the most commonly used proof of insurance for reinstatement after an accident is:
- A binder letter
- A credit report
- An agent's business card
- An SR-22 filing
Show answer
The Department of Revenue says an SR-22 is the most commonly used proof, and an identification card is not acceptable.
4. How long must a Missouri SR-22 be kept, according to the Department of Revenue?
- One year
- Three years from the date you are eligible to reinstate
- Five years
- Six months
Show answer
The department states the SR-22 must be kept for three years from the eligibility-to-reinstate date.
5. For a Missouri driver with no accident, the suspension for a second insurance lapse within two years is:
- 30 days
- One year
- 90 days
- No suspension
Show answer
The department lists no suspension for a first lapse, 90 days for a second within two years, and one year for a third or later.
Workers Compensation
4 questions
1. Missouri employers with how many employees are required to have workers compensation insurance?
- Five or more employees (one for construction employers)
- Two or more employees
- Ten or more employees
- Twenty-five or more employees
Show answer
The Division of Workers' Compensation says employers with five or more employees must have coverage or be self-insured, and construction employers need it with just one.
2. A Missouri employer who knowingly lacks required workers compensation coverage may be charged with:
- A class C felony only
- A class A misdemeanor
- A traffic infraction
- No criminal charge, only a warning
Show answer
The Division says the employer may face a class A misdemeanor, and a repeat offense is a class E felony.
3. Missouri's civil penalty for a knowingly uninsured employer can be up to:
- Twice the annual premium
- $500 total
- $10 per day
- Three times the annual premium, or $50,000 if greater
Show answer
The Division says liability to the state is up to three times the annual premium, and the fine is capped at $50,000 if that amount is greater.
4. To whom should Missouri uninsured employers be reported?
- The Fraud and Noncompliance Unit of the Division of Workers' Compensation
- The Secretary of State
- The Department of Revenue
- The county assessor
Show answer
The Division directs reports of missing coverage to its Fraud and Noncompliance Unit.
Key Missouri terms
16 plain-English cards on Missouri insurance law, from the Missouri flashcard deck.
Licensing and CE
- Missouri P&C CE requirement
- 16 hours each biennium for a resident property and casualty producer.
- Missouri P&C CE ethics hours
- The 16 hours must include at least 3 hours of insurance ethics.
- Missouri title producer CE
- A resident title producer completes 8 CE hours per biennium.
- Missouri CE timing
- Courses count only if completed during the biennium to which they are applied.
- Missouri P&C prelicensing
- Not required. The producer application fee is $100.
- Missouri P&C exam length and fees
- Property or casualty alone takes 2 hours and costs $32; the combined exam takes 3 hours and costs $40. Passing is 70 scaled.
- Missouri exam score validity
- A passing score is valid for one year.
Auto Insurance
- Missouri minimum liability limits
- 25/50/25: $25,000 per person, $50,000 per accident, $25,000 property damage, per the Department of Revenue.
- Missouri uninsured motorist limit
- Required UM bodily injury coverage is $25,000 per person and $50,000 per accident.
- Missouri SR-22
- The most commonly used proof of insurance for reinstatement after an accident.
- Missouri SR-22 duration
- Must be kept three years from the date you are eligible to reinstate.
- Missouri second lapse suspension
- With no accident, a second insurance lapse within two years brings a 90-day suspension.
Workers Compensation
- Missouri workers comp requirement
- Employers with five or more employees, or one for construction employers, must carry it.
- Missouri uninsured employer crime
- Knowingly lacking required workers comp may be charged as a class A misdemeanor.
- Missouri uninsured employer civil penalty
- Up to three times the annual premium, or $50,000 if greater.
- Missouri uninsured employer reporting
- Report to the Fraud and Noncompliance Unit of the Division of Workers' Compensation.
Keep studying
The general topics make up most of the exam.
Missouri exam questions
Do I need a pre-licensing course for property and casualty in Missouri?
No. Missouri does not require pre-licensing courses.Source: Missouri DCI, Resident Producer Licensing Application and Requirements
How much does the Missouri property and casualty exam cost?
$40 for the combined 3-hour exam, or $32 for property or casualty alone.Source: Pearson VUE, Missouri Insurance Licensing Candidate Handbook (Mar 2026)
How long is a Missouri exam score good for?
One year.Source: Pearson VUE, Missouri Insurance Licensing Candidate Handbook (Mar 2026)
How much of the Missouri property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Missouri candidate handbook from your testing provider for the exact content outline.
What does the Missouri 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, Workers Compensation.
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 Missouri state law questions.