- The Mississippi Property & Casualty exam (code InsMS-PC06) costs $50 per attempt through Pearson VUE.
- Candidates must complete 40 hours of prelicensing education (20 property, 20 casualty) before scheduling the exam.
- Online OnVUE candidates get only two attempts, with a mandatory 14-day wait before the second try.
- Producer licenses renew every two years and require 24 CE hours, including 3 ethics hours.
Exam Fee Breakdown
The single largest line item most candidates think about is the exam fee itself, and for the Mississippi Property & Casualty Insurance Producer Exam, that number is refreshingly simple: $50 per sitting for exam code InsMS-PC06. This fee is paid directly to Pearson VUE, which administers the exam on behalf of the Mississippi Insurance Department. For that fee, you get 90 scored multiple-choice questions plus 10 unscored pretest items (100 total on the screen, though only the 90 count toward your score), within a 2 hour 30 minute testing window. A passing score of 70% is required to earn your result.
Unlike some licensing exams that bundle in extra administrative surcharges, the $50 fee is the core cost of sitting for the test at a Pearson VUE testing center or through the OnVUE online-proctored option. If you're still mapping out exactly what's tested for that $50, the MS-PC Exam Domains 2026: Complete Guide to All 7 Content Areas breaks down every content area in detail.
Prelicensing Education Cost
Before you're even eligible to register for the exam, Mississippi requires 40 hours of approved prelicensing education - split evenly between 20 hours of property content and 20 hours of casualty content. This requirement applies to every candidate, and course providers set their own tuition, which varies by format (self-paced online, live virtual, or in-person classroom).
Because this education cost is set by third-party providers rather than the state, it's the most variable part of your total MS-PC budget. Some candidates pay less for a bare-bones online course, while others invest more in a course bundled with practice questions and instructor support. Either way, this 40-hour requirement is non-negotiable - you cannot schedule InsMS-PC06 without completing it, and you must also be at least 18 years old to sit for the exam.
Why the 20/20 Split Matters for Cost Planning
The even split between property and casualty prelicensing hours mirrors how the exam itself is weighted across property-related domains and casualty-related domains. Skipping ahead in one half to "save time" often backfires on exam day.
- 20 hours must cover property policy types, terms, and provisions
- 20 hours must cover casualty policy types, bonds, and provisions
- Course completion certificates are typically required before Pearson VUE registration
Retake Costs and Online Testing Rules
If you don't pass on your first attempt, you'll need to pay the $50 fee again to reschedule InsMS-PC06 - there's no discounted retake rate. This makes first-attempt preparation a genuine cost-saving strategy, not just a convenience. If you're weighing how tough the material actually is before you commit to a test date, How Hard Is the MS-PC Exam? Complete Difficulty Guide 2026 walks through what makes candidates stumble.
One detail that catches candidates off guard: if you test through OnVUE (Pearson's online-proctored option from home or office), you are limited to two attempts per exam, and you must wait 14 days before scheduling that second online attempt. This waiting period effectively adds a scheduling cost - a two-week delay - on top of the repeated $50 fee, so candidates who fail once should use that mandatory gap productively rather than rushing back in unprepared.
Key Takeaway
Treat the $50 fee as a "per attempt" cost, not a one-time cost, when budgeting. Spending extra time reviewing your weakest domain before rescheduling is almost always cheaper than paying for a third sitting.
Licensing and Renewal Costs
Passing the exam is a milestone, not the finish line. After you clear the 70% passing score, you'll move into the state license application process, and once licensed, Mississippi producer licenses renew on a biennial (two-year) cycle. Renewal requires 24 continuing education hours, including 3 hours of ethics content, during each two-year period. Ongoing CE isn't free - most providers charge per course or per bundle - so when you calculate the "true" cost of holding an active Mississippi P&C license, factor in this recurring biennial education expense alongside any state renewal fee. For a fuller picture of what qualifies you to sit for the exam in the first place, see MS-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
| Cost Item | Amount / Requirement | When It Applies |
|---|---|---|
| Exam fee (InsMS-PC06) | $50 per attempt | Each time you sit for the exam |
| Prelicensing education | 40 hours (20 property / 20 casualty) | Before initial registration |
| Retake fee | $50 (same as initial fee) | After a failed attempt |
| Online retake wait | 14-day minimum wait | Second OnVUE attempt only |
| Continuing education | 24 hours per 2-year cycle, incl. 3 ethics hours | Ongoing, post-licensure |
Total Cost Scenarios
Because the exam fee itself is fixed at $50 and the education cost varies by provider, your total out-of-pocket cost really comes down to two questions: how many times will you sit for the exam, and which prelicensing course tier did you choose?
Scenario 1: First-Attempt Pass
Candidate completes the 40-hour prelicensing course, pays the $50 exam fee once, passes at or above 70%, and moves straight to license application. This is the lowest-cost path and the reason focused preparation pays for itself.
Scenario 2: One Retake Needed
Candidate fails the first attempt, pays another $50 for the second sitting (plus a 14-day wait if testing via OnVUE), and passes. Total exam-fee spend doubles to $100, on top of the original education cost.
Scenario 3: Multiple Retakes
Each additional attempt adds another $50 to the total. Beyond the second online attempt, candidates should also confirm current retest scheduling policy with Pearson VUE, since repeated attempts compound both cost and time lost to the 14-day online waiting window. Reviewing where you lost points - often in the heavily-weighted Mississippi Property and Casualty Insurance Laws domain - before rescheduling is the most effective way to avoid a third $50 charge. The MS-PC Pass Rate 2026: What the Data Shows article discusses what the data actually shows about first-attempt outcomes.
Where the Money Goes: Study Time by Domain
Since every attempt costs the same $50 regardless of how well you're prepared, the smartest way to protect your budget is to concentrate study effort where the exam concentrates its questions. The official content outline, effective June 7, 2022, breaks the 90 scored questions into seven domains:
Domain 7: Mississippi Property and Casualty Insurance Laws - 22.22%
The largest single domain on the exam. State-specific statutes, licensing rules, and regulatory requirements deserve the most repetition, since missed points here have the biggest single impact on your score.
Domain 4: Types of Casualty Policies, Bonds, and Related Terms - 17.78%
The largest casualty-content domain, covering the policy types and bond structures a 20-hour casualty course introduces.
Domain 1: Types of Property Policies - 16.67%
The largest property-content domain; pairs directly with the 20 property hours from prelicensing education.
Domains 2 & 5: Terms and Related Concepts (Property and Casualty) - 12.22% each
Together these two "terms and concepts" domains account for nearly a quarter of the exam, making vocabulary mastery a high-value use of study time.
Domain 3: Property Policy Provisions and Contract Law - 10.00%
Covers contract-law fundamentals as they apply to property policies specifically.
Domain 6: Casualty Policy Provisions - 8.89%
The smallest domain by weight, but still worth reviewing since every scored question counts equally toward your 70% passing threshold.
For a domain-by-domain study plan built around these exact percentages, see MS-PC Exam Domains 2026: Complete Guide to All 7 Content Areas, and for the mechanics of the scoring threshold itself, check MS-PC Passing Score 2026: Exactly What You Need to Pass.
Budgeting Smart Prep Time
A cost-efficient study plan for the Mississippi P&C exam isn't about generic techniques - it's about allocating hours in proportion to how the exam weights each domain, so your $50 attempt actually reflects your strongest preparation.
Property Foundations
- Work through Domain 1 (Types of Property Policies) and Domain 3 (Property Policy Provisions and Contract Law)
- Use flashcards for policy-type distinctions before moving to terminology
Casualty Foundations
- Cover Domain 4 (Types of Casualty Policies, Bonds, and Related Terms) and Domain 6 (Casualty Policy Provisions)
- Compare property vs. casualty provisions side by side to avoid mixing them up on exam day
Terms and Concepts
- Drill Domain 2 and Domain 5 (Property and Casualty Terms and Related Concepts), which together represent 24.44% of scored questions
- Take timed practice sets to build speed within the 2 hour 30 minute limit
Mississippi Law Deep Dive
- Spend the most hours here on Domain 7, the single largest domain at 22.22%
- Take a full-length practice exam before scheduling your real Pearson VUE appointment
This kind of weighted schedule is covered in more depth in MS-PC Study Guide 2026: How to Pass on Your First Attempt, and if you want a fast final-review tool, the MS-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the highest-yield facts into one page. You can also run full-length timed drills on our practice test platform to simulate the real 90-question format before you spend your $50 on the actual sitting.
Key Takeaway
Spending an extra week on Domain 7 (Mississippi Property and Casualty Insurance Laws) costs nothing but time - failing the exam because you under-studied it costs another $50 and, for online testers, a 14-day delay.
Why the Cost Is Worth Evaluating Against Career Value
A $50 exam fee and a prelicensing course investment are modest compared to the earning potential of an active Mississippi P&C producer license. Insurance agencies, carriers, and brokerages across the state hire licensed producers to sell property and casualty coverage to individuals and businesses, and that license is the gatekeeping credential for the role. If you're trying to decide whether the total cost - exam fee, education, and biennial CE - makes sense for your career goals, Is the MS-PC Certification Worth It? Complete ROI Analysis 2026 lays out the tradeoffs, and MS-PC Salary Guide 2026: Complete Earnings Analysis covers what licensed producers can expect to earn. You can also browse current openings that require this license through MS-PC Jobs.
Before you register, it's worth confirming exactly when and where you can test - testing centers and OnVUE availability can affect how quickly you're able to schedule after finishing your 40 prelicensing hours. See MS-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling for scheduling logistics, and start your review with a diagnostic run on our full practice exam library.
Frequently Asked Questions
The exam itself (code InsMS-PC06) costs $50 per attempt through Pearson VUE. Your total cost also includes the 40-hour prelicensing course fee charged by your education provider, which varies by provider and format.
Yes. Each attempt, including retakes, requires the full $50 fee. If you test online through OnVUE, you're also limited to two attempts total and must wait 14 days before the second one.
No. The $50 covers only the exam sitting itself. The 40 hours of prelicensing education (20 property, 20 casualty) required before you can register is a separate cost paid to an approved course provider.
Mississippi producer licenses renew every two years, and renewal requires 24 continuing education hours, including 3 hours of ethics. Budget for CE course fees on this biennial cycle to keep your license active.
Mississippi Property and Casualty Insurance Laws is the largest domain at 22.22% of scored questions, so extra preparation there offers the best return on your study time and helps avoid paying for a retake.