- HI-PC refers to the Hawaii Property & Casualty Insurance Producer Exam, administered for the Hawaii DCCA Insurance Division by Pearson VUE.
- The Property exam costs $75, has 93 total questions (83 scored, 10 pretest), and runs 120 minutes.
- Domain 4, Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance, is the single largest section at 27.7%.
- You need a scaled score of 70 to pass, and no prelicensing course is legally required, only a minimum age of 18.
What Is a HI-PC, Exactly?
HI-PC stands for the Hawaii Property & Casualty Insurance Producer Exam, the state licensing test that qualifies someone to sell, solicit, or negotiate property and casualty insurance in Hawaii. It is administered on behalf of the Hawaii Department of Commerce and Consumer Affairs (DCCA), Insurance Division, by Pearson VUE, the same testing vendor used for many state insurance exams nationwide.
Hawaii is one of the states that separates its property and casualty testing into two distinct exams rather than one combined P&C test. That means a candidate seeking a full property and casualty license typically sits for two separate exams: the Property Producer exam and the Casualty Producer exam. This site's primary reference point is the Property Producer exam, which carries a $75 fee, 93 total multiple-choice questions, a 120-minute time limit, and a scaled passing score of 70.
Who Takes the HI-PC and Why
Anyone who wants to work as a licensed insurance producer in Hawaii selling property or casualty lines needs to pass this exam first. That includes candidates hired by independent agencies, captive agency employees at national carriers with Hawaii offices, and people transitioning into insurance sales from adjacent fields like real estate or banking. Because Hawaii requires the Property and Casualty exams separately, many new producers plan to sit for both in relatively short succession so they can offer a full book of P&C products to clients.
If you're still deciding whether pursuing this license makes sense for your career, it helps to look at the bigger picture beyond the exam itself. Guides like Is the HI-PC Certification Worth It? Complete ROI Analysis and HI-PC Salary Guide 2026: Complete Earnings Analysis dig into what licensed producers can expect once they're working in the field, while HI-PC Jobs covers the kinds of roles that typically require this license.
Exam Format, Fees, and Registration Mechanics
The Property Producer exam is a closed-book, computer-based test. It contains 93 total multiple-choice questions, but only 83 of those are scored; the remaining 10 are unscored pretest items used to evaluate future exam content. Candidates get 120 minutes to complete it, and the fee is $75.
The companion Casualty Producer exam follows a similar structure but is not identical: it has 103 total questions (91 scored and 12 pretest), a 135-minute time limit, and the same $75 fee. Because pretest questions are mixed in with scored ones and you cannot tell which is which during the test, you should treat every question as if it counts.
Key Takeaway
Budget the full 120 minutes for the Property exam and 135 minutes for Casualty. Since pretest questions are indistinguishable from scored ones, pace yourself as if all questions are graded.
Testing is available at physical Pearson VUE test centers or remotely through OnVUE online proctoring. If you're testing at a physical center, Pearson permits scheduling two exams back-to-back in a single session, which is convenient if you're taking both the Property and Casualty exams close together. That flexibility is not available through OnVUE, where only one exam can be scheduled per session.
For a full walkthrough of what to expect on test day, including timing strategy and pacing, see HI-PC Study Guide 2026: How to Pass on Your First Attempt. If cost planning matters to your budget, HI-PC Certification Cost 2026: Complete Pricing Breakdown breaks down the fee structure in more detail.
The Six Content Domains
Hawaii's Property Producer exam outline, effective January 1, 2026, organizes content into six domains. Notably, the published Property section counts in the outline account for 81 of the 83 total scored questions, so nearly every scored question on the exam maps directly to one of these six areas.
Domain 1: Types of Policies (26.5%)
This is the second-largest domain and covers the specific property insurance policy forms candidates need to recognize and differentiate.
- Distinguishing coverage types across common property policy forms
Domain 2: Insurance Terms and Related Concepts (18.1%)
Covers foundational vocabulary and concepts that apply across property insurance, including how key terms are defined and applied in claims scenarios.
- Core terminology candidates must be able to apply, not just define
Domain 3: Policy Provisions and Contract Law (13.3%)
Focuses on the legal structure of insurance contracts, including provisions that govern how policies function and how disputes are resolved.
- Contract elements and standard policy provisions
Domain 4: Hawaii Laws and Rules Common to Life, Accident and Health, Property, Casualty and Personal Lines Insurance (27.7%)
This is the single largest domain on the exam. It covers statutory and regulatory requirements that apply broadly across multiple lines of insurance in Hawaii, not just property.
- Producer licensing rules, conduct standards, and general regulatory requirements
Domain 5: Hawaii Laws and Rules Common to Property and Casualty Insurance Only (4.8%)
A narrower domain focused specifically on regulations that apply jointly to property and casualty lines but not to other insurance types.
- Rules unique to the P&C line grouping
Domain 6: Hawaii Laws and Rules Pertinent to Property Insurance Only (7.2%)
The most property-specific legal domain, covering rules that apply exclusively to property insurance products in Hawaii.
- Property-only statutory and regulatory requirements
Together, Domain 4 and Domain 1 make up more than half the scored exam, so a study plan that shortchanges either one is taking on unnecessary risk. For a deeper breakdown of each domain with more granular subtopics, see HI-PC Exam Domains 2026: Complete Guide to All 6 Content Areas.
Property Exam vs. Casualty Exam
Because Hawaii tests Property and Casualty as two separate exams, it's worth understanding how they differ before you register for either one.
| Feature | Property Producer Exam | Casualty Producer Exam |
|---|---|---|
| Fee | $75 | $75 |
| Total Questions | 93 | 103 |
| Scored Questions | 83 | 91 |
| Pretest Questions | 10 | 12 |
| Time Limit | 120 minutes | 135 minutes |
| Passing Score | Scaled score of 70 | Scaled score of 70 |
The passing standard is the same scaled score of 70 for both exams, which keeps the bar consistent even though the question counts and time limits differ. If you want a closer look at how that scaled scoring actually works, HI-PC Passing Score 2026: Exactly What You Need to Pass explains it in plain terms.
Who Can Sit for the Exam
Hawaii keeps the eligibility bar for the HI-PC exam relatively simple. Candidates must be at least 18 years old, and there is no state-mandated prelicensing education program you must complete before registering to test. That said, "no requirement" doesn't mean "no benefit" - most successful candidates still study the outline content thoroughly before scheduling their exam date, since the test itself assumes familiarity with Hawaii-specific statutes that most people don't encounter in daily life.
For the complete rundown of eligibility rules, application steps, and anything else you need to qualify to sit for the exam, review HI-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
How to Prepare Without Wasting Time
Because Domain 4 (27.7%) and Domain 1 (26.5%) together account for more than half of the scored Property exam, your study schedule should weight time accordingly rather than spreading effort evenly across all six domains. A simple way to structure a multi-week plan:
Domain 4 and Domain 1
- Work through Hawaii-specific statutory requirements first since this domain carries the most weight
- Move to policy types and coverage forms in Domain 1
Domain 2 and Domain 3
- Review core insurance terminology and how it's applied in scenarios
- Study contract law provisions and standard policy language
Domains 5 and 6, plus full review
- Cover the narrower property-and-casualty-specific and property-only rule sets
- Take timed practice questions to build pacing for the 120-minute limit
Rather than relying on generic study hacks, tie your review sessions to the actual domain weights. Repetition on low-weight topics like Domain 5 (4.8%) shouldn't consume the same time block as Domain 4. If you want a condensed reference to keep nearby during final review, HI-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts compiles the highest-yield facts in one place, and running full-length timed sets on our practice test platform is one of the most direct ways to gauge whether your pacing will hold up on exam day.
If you're unsure how demanding this exam actually is relative to other state licensing tests, How Hard Is the HI-PC Exam? Complete Difficulty Guide 2026 walks through what makes certain domains harder to master than others, and HI-PC Pass Rate 2026: What the Data Shows puts the exam's difficulty into broader context.
After You Pass: Licensing and Renewal
Passing the exam is only the first checkpoint - becoming and staying a licensed producer also involves ongoing continuing education. Producers licensed for property and casualty only in Hawaii must complete 24 CE credits per renewal cycle. Of those, 21 credits must be in property and casualty subject matter, and 3 credits must cover ethics and/or Hawaii insurance laws and rules.
This CE structure mirrors the exam's own emphasis on Hawaii-specific law: just as Domain 4 dominates the exam outline, the ethics/law CE requirement ensures producers keep their regulatory knowledge current throughout their career, not just on test day.
If you want a broader orientation to what this license involves before diving into domain-level study, articles like HI-PC Certification, What Is HI-PC?, and HI-PC Meaning cover the fundamentals from slightly different angles, while HI-PC Training looks at preparation resources beyond just the exam outline itself. You can also start practicing with real exam-style questions any time on the main practice test site.
Frequently Asked Questions
Hawaii tests Property and Casualty as two separate exams. This site's primary reference is the Property Producer exam, which has 93 total questions and a 120-minute time limit, while the Casualty exam has 103 total questions and a 135-minute limit.
The exam is administered for the Hawaii Department of Commerce and Consumer Affairs, Insurance Division, by Pearson VUE, which runs both physical test centers and the OnVUE online proctoring option.
No. Hawaii does not require a specific prelicensing education program. The only stated eligibility requirement is being at least 18 years old.
If you test at a physical Pearson VUE test center, you can schedule two exams within one session. This option is not available if you test through OnVUE online proctoring.
Both the Property and Casualty exams use a scaled passing score of 70.