Failed the Pennsylvania Property & Casualty Exam? Retake Rules, Waiting Periods and Fees (2026)

If you fail the Pennsylvania Property and Casualty exam, you can try again. Retakes are unlimited and next-day scheduling is available, so there is no attempt limit and no multi-week wait built into the rules. The exam fee for the combined exam (Series 16-06) is $55.

That freedom is useful, but it is not a reason to rebook immediately with the same preparation. Just over half of first-time candidates pass (53.4% in 2025), which means a large group does not, and the way to join the passing group is to change something.

• Waiting period: none beyond scheduling. PSI allows you to book the next day.
• Attempt limit: none. You can sit the exam as many times as you need to.
• Format on every attempt: the same as the first: 150 scored questions, 170 minutes, 70% raw, plus 5 to 10 unscored experimental questions.

Read the current PSI Candidate Information Booklet for Pennsylvania (effective January 22, 2026) before you rebook, in case the scheduling details have changed since you last looked.

Plan on paying the exam fee again for each new booking: $55 for the combined exam. The Property-only and Casualty-only exams are $45 each, but the combined exam is the one most candidates take and the one this course prepares you for. The license application fee is paid to the Pennsylvania Insurance Department only after you pass, so a failed attempt does not add to it. The full cost picture is in how much the license costs.

Remote testing is available, so a retake does not have to mean another trip to a test center. The exam is offered in English only. Candidates for whom English is a second language can receive time and a half when they provide a letter, so request that before you rebook rather than after.

Your score report is the best guide you have, so read it for the sections where you lost the most ground. Then work through these steps before you book:

1. Match your weak sections to the outline weights. Insurance Regulation is 20% of the exam, Property and Casualty Insurance Basics is 14%, and the Personal Automobile Policy is 10%. A gap in a heavy section matters more than a gap in Commercial Crime, which is 2%.
2. Treat Pennsylvania law as its own subject. It runs through most sections. Work the producer law questions and the Pennsylvania property and casualty law questions.
3. Practise under conditions. Do one full timed session of 150 questions so that 170 minutes feels familiar.
4. Change the method, not only the hours. If reading did not work, add audio and scenario questions, and rework every question you miss until you can explain why each wrong option is wrong.
5. Book when your practice scores are steady, not simply when the next-day slot opens.

Passing is only the exam half. You then apply to the Pennsylvania Insurance Department for the resident producer license: the application fee is $55 plus an online service fee of about $12.50, and fingerprints are taken at an IdentoGO center (the fee is not published). The department's initial licensing process page describes the steps and the timing, so follow it exactly. A free preview of the course and the first-try study plan are the quickest way to restart your preparation.