$122.50 + Fingerprints: Pennsylvania P&C License Cost 2026

The state and vendor fees to get a Pennsylvania Property and Casualty producer license add up to $122.50 if you pass the exam on the first attempt: $55 for the PSI exam, $55 for the license application and an online service fee of about $12.50. On top of that comes fingerprinting, which is done at an IdentoGO enrollment center and paid at the center; the fee is not published, so budget for it separately.

What is missing from that list is as important as what is on it. Pennsylvania no longer requires a pre-licensing course. The only cost the state does not set a price for is exam preparation, and that one is not avoidable in practice: the exam fails roughly half of first-time candidates.

• Required fees: $122.50, plus fingerprinting paid at the IdentoGO center
• Pre-licensing course: none required since April 29, 2025
• Exam preparation: your choice
• Each retake: another $55

Three payments are mandatory for a resident candidate taking the combined exam and applying for a producer license with both the property and the casualty lines of authority, plus fingerprinting.

1. PSI Exam Fee — $55

Paid to PSI when you schedule, per attempt. One $55 fee covers the combined Property and Casualty exam (Series 16-06). The fee is the same whether you test at a PSI test center or by remote proctoring.

2. Resident Producer License Application Fee — $55

Paid to the Pennsylvania Insurance Department with your application. A single application covers the lines of authority your exam qualifies you for; you do not pay twice for property and casualty when you apply for both together.

3. Online Service Fee — about $12.50

Charged by the online licensing service when you submit the application electronically.

4. Fingerprinting — paid at the IdentoGO center

Every new resident producer applicant submits fingerprints for a background check, done at an IdentoGO enrollment center and paid there. The amount is not published, which is why this guide does not quote one.

Total in published fees: $55 + $55 + $12.50 = $122.50, plus the fingerprinting charge. None of it depends on how you prepare.

Pennsylvania sells the property and casualty exam three ways. The Property exam (Series 16-04) and the Casualty exam (Series 16-05) are $45 each and cover 100 questions in 120 minutes; the combined Property and Casualty exam (Series 16-06) is $55 for 150 questions in 170 minutes. The PSI bulletin is explicit that the combined exam "combines the content of the single-line examinations," so if you intend to hold both lines, the combined exam saves $35 against taking the halves separately, plus a second appointment and a second set of nerves.

In practice, almost nobody chooses the single-line path: the Property and Casualty exams each draw only 10 to 40 candidates a year, against thousands who sit the combined Series 16-06. One data point worth knowing before picking a half exam because it looks shorter: the combined exam's first-time pass rate was 53–54% in 2024 and 2025, and Pennsylvania does not publish a separate rate for the single-line exams to compare it against.

Until April 2025, anyone applying for a Pennsylvania producer license had to complete a pre-licensing education course before sitting the exam. Act 142 of 2024 deleted that requirement, effective April 29, 2025, for every license line including property and casualty. The Pennsylvania Insurance Department's licensing process page confirms it.

The result is that pre-licensing packages sold as a legal prerequisite are now optional preparation. You still need to learn the material — the exam has not become easier, and the 2025 pass rate was slightly lower than 2024's — but you decide how, and you are no longer paying for a seat-time certificate. If a provider is still quoting a mandatory pre-licensing course for the Pennsylvania property and casualty exam, its information is out of date.

The exam is 150 scored questions across thirteen content sections, with a 70% pass mark and a first-time pass rate of 54.0% in 2024 and 53.4% in 2025. How much you spend on preparation is the biggest variable in the whole budget, and the cheapest option is not always the cheapest outcome.

$0 — the free stack. PSI publishes the Series 16-06 content outline with the weight of every section, and its Candidate Information Booklet explains the format and procedure. Together they tell you what is tested, not how it works. Free flashcards and videos cover the general property and casualty concepts reasonably well and the Pennsylvania-specific rules — the Unfair Insurance Practices Act, the Motor Vehicle Financial Responsibility Law, the FAIR Plan, the Workers' Compensation Act — poorly. Viable for a disciplined candidate with a background in the industry.

$14.99–$79 — a focused exam-prep course. LanePrep's Pennsylvania Property & Casualty course is nine audio chapters built from the Series 16-06 outline, with chapter quizzes and two chapters dedicated to Pennsylvania regulation and policy law. It costs $79 once or $14.99 per month; a candidate on the three-week plan can be done inside a single month. Chapters 1 and 9 are free, no signup, so you can judge the format before paying.

Full packages. National prep providers sell property and casualty packages with video lectures, a textbook and instructor access at several times the price of a focused course. Make sure any package you buy has been updated for the Series 16-06 outline in force from March 2026 and the post-Act 142 rules, and that it is not still built around a pre-licensing course.

Retakes — $55 each

Every attempt costs the $55 PSI fee again. Pennsylvania sets no limit on attempts and allows a retake to be booked for the next day — but the 2025 first-time pass rate was 53.4%, and the state does not publish how repeat candidates do. Budget for one retake and prepare so that you do not use it.

Taking the halves separately

Two $45 exams instead of one $55 exam. Since almost no one sits the single-line exams, there is little cost benefit to splitting unless you genuinely intend to hold only one line.

Fingerprinting in the wrong order

Fingerprinting is handled through IdentoGO as part of the background check; the department does not publish the amount, so confirm the current fee directly with IdentoGO before your appointment.

These are not part of the entry cost, but they arrive two years later and are easy to forget when comparing the price of a license against the income it is meant to produce.

• Continuing education: 24 hours in each two-year licensing cycle. Course prices are set by private providers.
• Regulator: the Pennsylvania Insurance Department (PID) administers licensing and CE compliance.

Renewal is a filing, not a re-examination. Once licensed, you never take the exam again as long as the license stays active and the CE is done.

Two realistic budgets. Both exclude the fingerprinting charge, which is paid at the IdentoGO center and not published, and both are the same whether you test in person or remotely.

Pass on the first attempt — $122.50 to $201.50

• PSI exam fee $55
• License application fee $55
• Online service fee about $12.50
• Preparation: free stack ($0), one month of LanePrep ($14.99) or lifetime access ($79)

One retake — $177.50 to $256.50

• Everything above
• A second exam appointment: $55
• In practice, more preparation as well — the same preparation produced the first result

The gap between the two scenarios is $55 in fees and at least a day's delay before you can apply, be appointed and be paid. A failed attempt costs almost as much as the application itself. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that leaves you sitting the exam twice.

For most self-directed candidates the cost-optimal path is:

1. Book the combined exam ($55) through PSI and give yourself three weeks.
2. Prepare with a focused course and a question loop so the first attempt is the only one.
3. After the pass: apply to the Pennsylvania Insurance Department ($55 plus about $12.50), then register with IdentoGO and pay for fingerprinting at the center.

LanePrep covers step 2: nine audio chapters built from the PSI Series 16-06 outline, chapter quizzes, and dedicated chapters for Pennsylvania regulation and policy law, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself — format, weights and the week-by-week plan — read how to pass the Pennsylvania Property & Casualty exam on your first try.

Exam format and fees come from the PSI Candidate Information Booklet (effective January 22, 2026); pass rates from the NAIC compiled pass-rate reports for 2024 and 2025. Read October 2026.