How many questions are on the Virginia Property & Casualty exam?

135 scored questions plus 10 unscored pre-test questions, with a 2.5-hour time limit (series 11-03).

What score do you need to pass the Virginia insurance exam?

Prometric's bulletin does not print a passing percentage. Your score report shows your overall percentage correct, whether you passed, and your percentage in each section of the outline.

How much does the Virginia insurance exam cost?

$35 per exam, according to Prometric's bulletin. Registration fees are nonrefundable.

How long do I wait before taking the Virginia exam again?

24 hours before reserving another attempt. After a third failed attempt, Virginia law requires a 30-calendar-day wait.

What ID do I need for the Virginia exam?

Two valid forms: a primary ID with your photo and signature, and a secondary ID with a signature. The name must exactly match your registration.

Virginia Insurance Exam: Questions, Scoring and What's Tested

Virginia's insurance exams are given by Prometric for the State Corporation Commission's Bureau of Insurance. Here is what is on the exams, how they are scored, and the rules that catch people on test day.

Quick answer: The Property & Casualty exam has 135 scored questions and a 2.5-hour limit. The Life and Annuities exam has 90 scored questions and a 2-hour limit. Each exam costs $35. Prometric's bulletin does not print a passing percentage, so study to the outline and use timed practice to judge readiness.

The exams at a glance

Prometric's content outlines list these exams. Each outline gives a number of scored questions plus unscored pre-test questions.

Exam	Series	Scored questions	Pre-test	Time limit	Fee
Property & Casualty	11-03	135	10	2.5 hours	$35
Life and Annuities	11-05	90	15	2 hours	$35
Life, Annuities and Health	11-01	140	10	2.5 hours	$35
Personal Lines	11-07	100	5	2 hours	$35

How the exam is scored

After you finish, your score appears on screen and Prometric emails a report. The bulletin says the report shows your overall score and grade, the percentage of questions you answered correctly, and whether you passed or failed. It also shows your percentage in each major section of the outline, which tells you where to focus if you retest, and even after you pass.

Two details help you read it:

The total is not an average of the sections. It is the number of questions you got right divided by the total number of questions in the exam, and the sections have different sizes.
The bulletin does not state a passing percentage. Third-party sites quote numbers, but we only use what the Bureau's exam vendor publishes. Aim well above the middle on timed practice and use the section percentages on your report.

What's on the Property & Casualty exam

The outline weighs the 135 scored questions like this:

Section	Weight	Questions
Auto Insurance	16%	21
Insurance Regulation	15%	20
Property and Casualty Insurance Basics	13%	18
Homeowners Policy	13%	18
Commercial Package Policy	12%	16
General Insurance	9%	12
Workers' Compensation Insurance	7%	9
Dwelling Policy	5%	7
Businessowners Policy	5%	7
Other Coverages and Options	5%	7

The Insurance Regulation section is Virginia law from Title 38.2 of the Code of Virginia. It covers licensing and its types of licensees, maintenance and duration (including reporting felony convictions and other states' actions, and continuing education), appointment procedures, discipline, and unfair trade practices such as rebating (§ 38.2-509), boycott, coercion and intimidation (§ 38.2-505) and unfair discrimination (§ 38.2-508), plus insurance information and privacy protection and the federal Fair Credit Reporting Act and fraud statutes. The Auto section is the largest single block, so know your personal auto form well.

Virginia law is not limited to the regulation section. The outline also lists a "Virginia laws, regulations and required provisions" topic under Property and Casualty Insurance Basics (the Virginia Property and Casualty Insurance Guaranty Association, flood and earthquake exclusions, cancellation and nonrenewal, binders). The Auto section covers the Virginia Motor Vehicle Financial Responsibility Law and required limits (§ 38.2-2206), the Virginia Automobile Insurance Plan, uninsured and underinsured motorist coverage and Virginia policy endorsements. Other sections name the Virginia Workers' Compensation Insurance Plan and the Virginia Property Insurance Association (the FAIR plan). Count on Virginia questions in nearly every section.

What's on the Life and Annuities exam

The outline weighs the 90 scored questions like this:

Section	Weight	Questions
Life Insurance Policies	20%	18
Life Insurance Policy Provisions, Options and Riders	18%	16
Insurance Regulation	17%	15
Life Insurance Basics	15%	14
Annuities	12%	10
General Insurance	10%	9
Federal Tax Considerations for Life Insurance and Annuities	4%	4
Qualified Plans	4%	4

The Life, Annuities and Health exam (11-01) adds health insurance sections and has 140 scored questions, so check which exam your license authority needs before you book.

Booking and test-day rules from the bulletin

Fee and refunds. $35 per exam. If you miss your appointment or arrive late and are not allowed to test, you forfeit the fee.
Change appointments at least 24 hours ahead to avoid a charge.
Bring two valid forms of ID. One must be a primary ID with your photo and signature (a driver's license, state ID, passport or military ID, for example). The other can be a secondary ID with a signature, such as a Social Security card or a credit or debit card. The name must exactly match the name you registered with.
Arrive at least 30 minutes early. Not providing the right ID counts as a missed appointment.
Remote testing. Prometric offers a remote option (ProProctor). Run the system check and install the application before test day. The exam cannot be launched more than 15 minutes before or after your appointment time.
Retake waits. You must wait 24 hours before reserving another attempt, and after a third failed attempt Virginia law requires a 30-calendar-day wait.
Veterans. The bulletin says veterans may be reimbursed up to $2,000 per exam under the GI Bill, regardless of how many exams or attempts.

A study plan that follows the weights

Master auto first on the P&C exam. It is the largest section, and homeowners, dwelling and auto together are 34% of the questions.
Learn Virginia law from Title 38.2. It is 15% of P&C and 17% of Life and Annuities, and the outline cites the sections.
For Life, policy types, provisions and basics are 53% of the exam between them.
Time yourself. The P&C limit works out to about 67 seconds per question (counting the pre-test items too, about 62).

The exam is only part of the process. See how to get your Virginia insurance license for fingerprints and applying through the Bureau.

Figures come from Prometric's bulletin (effective December 13, 2024) and its published outlines as of October 2026 and can change. Check Prometric before you book.

Ready to start your Virginia license?

Start the Virginia Property & Casualty course → — built around the Virginia exam outline, with timed practice exams and a state-law section.

Start the Virginia Life Only course → — the same approach for the life exam.

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