To pass the Idaho Property and Casualty exams on your first attempt, follow a disciplined preparation plan: First, systematically study core policy forms — Homeowners (HO-2 through HO-8), Dwelling (DP-1 through DP-3), Personal Auto Policy (PAP Parts A–D), Commercial General Liability (CGL occurrence vs. claims-made), Businessowners Policies (BOP), and Workers' Compensation. Second, master Idaho-specific statutes under Title 41, including 25/50/15 auto minimums, UM/UIM written rejection rules, 10-day nonpayment cancellation notices, 90-day binder limits, and IIGA insolvency protections. Third, practice with timed mock exams formatted for Pearson VUE's 105-minute per line testing environment until you consistently score 80% or higher, giving you a comfortable margin above Idaho's 70% passing threshold.

Idaho licenses Property and Casualty as separate lines of authority through Pearson VUE. Candidates take individual examinations for Property Producer (105 minutes) and Casualty Producer (105 minutes). To pass either exam, you must achieve a scaled score of at least 70%. If you are seeking full P&C authority, you must schedule and pass both exams.

The examinations cover national insurance principles and Idaho state-specific insurance statutes. Property topics include basic contract law, property valuation (ACV, replacement cost, coinsurance), dwelling and homeowners forms, and commercial property coverages. Casualty topics include negligence and liability torts, personal auto (PAP), commercial general liability (CGL), commercial auto, and workers' compensation (Title 72). Both exams include Idaho-specific statutes under Title 41 covering DOI Director powers, producer licensing (24 CE hours biennially with 3 hours ethics), 3-year record retention, unfair trade practices, auto minimums (25/50/15), and the Idaho Insurance Guaranty Association (IIGA).

The Idaho insurance examination fee is $65 per line of authority ($130 total for both Property and Casualty), payable directly to Pearson VUE when scheduling. Examinations are administered at Pearson VUE test centers throughout Idaho (such as Boise, Idaho Falls, Pocatello, Lewiston, and Coeur d'Alene) and via Pearson VUE OnVUE online proctoring. You can register and schedule online through the Pearson VUE Idaho Insurance Portal (home.pearsonvue.com/id/insurance). On exam day, you must present a valid, non-expired government-issued photo ID.

Idaho does not mandate classroom pre-licensing education hours (self-study is permitted). To qualify for an Idaho resident Property and Casualty producer license, you must: (1) be at least 18 years of age, (2) pass the Pearson VUE Property and/or Casualty licensing examinations with a score of 70% or higher, (3) submit fingerprints for a state and FBI criminal background check through Pearson VUE / IDEMIA ($61.25 fee), and (4) submit the official resident producer application electronically via NIPR (nipr.com) with the state licensing fee of $80.

If you do not pass an Idaho exam, Pearson VUE will provide an official score report breaking down your performance across each content category. You can reschedule your retake through Pearson VUE as soon as test appointments are available. The standard $65 examination fee applies for each exam attempt. Review your score breakdown to focus your study on deficient topic areas — such as liability concepts, policy exclusions, or state regulations — before taking the exam again.