Hawaii Property & Casualty
Insurance Exam

To pass the Hawaii P&C exam on your first attempt, follow a structured preparation plan: First, master core property and casualty policy structures — Personal Auto Policy (PAP), Homeowners forms HO-2 through HO-8, Dwelling forms DP-1 through DP-3, Commercial General Liability (occurrence vs. claims-made), Commercial Property, BOP, and Workers' Compensation. Second, study Hawaii-specific statutes under HRS Title 24, including 40/80/20 auto minimums with mandatory $10,000 PIP, HPIA residual property placement in Lava Zones 1 & 2, 10-day nonpayment cancellation rules, and HIGA insolvency limits ($300k). Third, complete at least 300+ scenario-based practice questions until you consistently score 80% or higher, well above Hawaii's 70% passing threshold.

The combined Hawaii Property & Casualty insurance producer examination administered by Pearson VUE contains 150 multiple-choice questions with a 2-hour and 30-minute (150 minutes) time limit. To pass, you must achieve a scaled score of at least 70%, which corresponds to answering at least 105 out of 150 questions correctly. Single-line Property-only and Casualty-only exams (~75 questions, 105 minutes) are also available.

Under Hawaii law (HRS § 431:10C), motor vehicle owners must carry minimum liability limits of 40/80/20 ($40,000 bodily injury per person, $80,000 bodily injury per accident, and $20,000 property damage per accident). In addition, Hawaii is a modified no-fault state requiring mandatory Personal Injury Protection (PIP) of $10,000 per person for medical and rehabilitation expenses, subject to a $5,000 medical tort threshold.

The exam tests Hawaii's unique property insurance mechanisms: The Hawaii Property Insurance Association (HPIA) provides basic property insurance for properties in designated volcanic Lava Hazard Zones 1 and 2 (primarily on the Island of Hawaii) and high-risk brushfire areas where voluntary coverage is unavailable. The exam also tests hurricane deductible endorsements and the Hawaii Hurricane Relief Fund (HHRF).

Hawaii does not mandate statutory classroom pre-licensing education hours (self-study is permitted). To obtain a resident Property & Casualty producer license, you must: (1) be at least 18 years of age and a Hawaii resident, (2) pass the Pearson VUE Property & Casualty licensing examination with a score of 70% or higher, (3) submit digital fingerprints through Fieldprint Hawaii ($50 fee), and (4) submit your official resident producer application electronically via NIPR (nipr.com) with the Hawaii Insurance Division licensing fee.

The Hawaii P&C examination fee is $75 per attempt, payable directly to Pearson VUE when scheduling. Examinations are administered at authorized Pearson VUE test centers in Hawaii (including Honolulu, Hilo, Kahului, Lihue, and Kailua-Kona) as well as via remotely proctored online testing through Pearson VUE OnVUE. You can register and schedule online through the Pearson VUE Hawaii Insurance Portal (home.pearsonvue.com/hi/insurance). On exam day, you must present two valid forms of signature identification.