Free Property & Casualty Insurance Practice Test 2026
200 questions on the general portion of the P&C producer exam: homeowners, auto, commercial lines, liability and workers comp. Tuned for mobile. No account needed.
Train on mobile
Test on desktop
The P&C Insurance exam at a glance
A combined property and casualty producer exam typically has 100 to 150 scored questions with 2 to 3 hours, and most states pass at 70%. It has a general portion (policy basics, homeowners and dwelling forms, personal auto, commercial lines) and a state law portion. Each state sets the exact count and time.
Tigertest has 200 P&C Insurance practice questions with explanations, all free with no account required.
- Questions
- 100 to 150 scored
- Time
- 2 to 3 hours
- Passing score
- 70% in most states
- Given by
- Pearson VUE, PSI or Prometric, by state
Updated by the Tigertest team. Practice questions follow the general portion of state producer exams. Exam rules change, so confirm current details with your state or testing provider.
How It Works
Train, Then Test
Four training sets, one per practice test: Set 1 holds exactly the 50 questions of Test 1, and so on. Master Set 1, then take Test 1 and aim for 70 percent. Questions you miss come back until you have mastered them.
Practice Tests
Four 50-question tests that sample every content area the way the real general portion does, with the arithmetic written out on every coinsurance, pro rata and split-limit item.
State Practice: 13 States
Taking the exam in one of these states? Practice a full-length exam with questions checked against your state's insurance law, including state-only rules. Progress is saved separately for each state.
Texas
130 source-checked questions on the Pearson VUE Texas outline: 100 general and 30 Texas questions, including TWIA, the FAIR Plan and PIP.
Start Texas practice →Florida
150 questions weighted to the 2-20 general lines outline: general knowledge plus Florida law, PIP, hurricane rules and Citizens.
Start Florida practice →California
150 questions like CDI's combined property and casualty exam, with Prop 103, the earthquake offer, wildfire rules and the FAIR Plan.
Start California practice →New York
150 questions like PSI's Series 17-56 exam, with New York no-fault, UM/SUM, Regulation 79, 3425/3426 cancellation rules, workers' comp, DBL and excess lines.
Start New York practice →Pennsylvania
150 questions like PSI's Series 16-06 exam, with Pennsylvania tort election, first-party benefits, UM/UIM stacking, cancellation rules, workers' comp and the FAIR Plan.
Start Pennsylvania practice →Illinois
Both Illinois lines, Property and Casualty, in one 150-question test: 90 general and 60 Illinois questions on cancellation and nonrenewal, the FAIR Plan, UM/UIM and licensing.
Start Illinois practice →Ohio
150 questions like PSI's combined property and casualty exam (Series 11-36), including Ohio's valued policy law, mine subsidence, UM/UIM, auto cancellation and the state workers' comp fund.
Start Ohio practice →Georgia
125 questions like Pearson VUE's Georgia property and casualty combo exam: 100 general and 25 Georgia questions, including UM options and the 2025 DUI rule.
Start Georgia practice →North Carolina
Both North Carolina exams in one 110-question test: Property Agent and Casualty Agent, with 28 North Carolina questions on the Rate Bureau, coastal and FAIR plans, required UM/UIM and workers' comp.
Start North Carolina practice →Michigan
150 questions like PSI's combined property and casualty exam (16-81), including the 2019 no-fault reform (PIP choices, $3,000 mini-tort), the Essential Insurance Act and workers' comp.
Start Michigan practice →New Jersey
Both New Jersey producer exams, Property and Casualty, in one 150-question test: 88 general and 62 New Jersey questions, from tort options, PIP and SAIP to the FAIR Plan and workers' comp.
Start New Jersey practice →Virginia
135 questions like Prometric's Series 11-03 exam: general topics with Virginia licensing, homeowners, auto UM and cancellation, and workers' comp law.
Start Virginia practice →Washington
150 questions like PSI's property and casualty combo exam: 105 general and 45 Washington questions, including UIM and the 60-day cancellation notice.
Start Washington practice →Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.
Built on the P&C General Portion
Every state's property and casualty exam opens with a general portion built on the same ISO forms: the dwelling and homeowners policies, the Personal Auto Policy, the commercial package and businessowners policies, the CGL and the workers compensation policy. The practice tests here give homeowners and auto the most weight because that is where exam questions and candidate mistakes pile up.
Help Make Tigertest Better
Have an idea, a topic you'd like covered, or a question that could be clearer? We read every message and use it to improve every test.
Share FeedbackHow to Pass the P&C Exam
1. Learn the forms as a family
DP-1, DP-2 and DP-3 go from fire-only to open perils on the dwelling. HO-2 is named perils, HO-3 is open perils on the building and named perils on contents, HO-5 is open perils on both, HO-4 is for renters, HO-6 for condo owners and HO-8 for older homes. Know which valuation each uses and the question usually answers itself.
2. Memorize the small numbers
$200 for money, $1,500 for jewelry theft, $2,500 for firearms and silverware, $500 per tree, two weeks of civil authority under the HO forms and four weeks under business income, $20 a day up to $600 for transportation under Part D, $200 a day for loss of earnings under the PAP and $250 under the CGL. These are the figures the exam swaps to build wrong answers.
3. Practice the three calculations
Coinsurance is did over should, times the loss, minus the deductible. Pro rata other insurance is each policy's limit over the total limits. Split limits cap each injured person first, then the accident, then property damage. Work them until they take thirty seconds, because the exam gives you a calculator but no formula sheet.
4. Fix your misses, then book the state portion
Tigertest tracks your accuracy by content area. Most states pass at 70 percent, so after each practice test drill the questions you missed, retrain that test's set, and retake until you clear 85 percent with room to spare, then spend your last week on your state's own license law, which this site covers for 12 states.
P&C Exam Frequently Asked Questions
How many questions are on the property and casualty insurance exam?
A combined property and casualty producer exam typically has 100 to 150 scored questions with 2 to 3 hours to finish, delivered through Pearson VUE, PSI or Prometric depending on the state. Most states pass at 70 percent. The exam has a general portion and a state portion, and each state sets the exact count and time.
Does this cover my state's exam?
Thirteen states have their own full-length practice with state law: California, Florida, Georgia, Illinois, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia and Washington. For other states, the 200-question bank covers the general portion shared by every state's exam; the state portion (license law, cancellation notice periods, minimum auto limits, financial responsibility rules) is separate.
Do I need pre-licensing education before I can take the exam?
Pre-licensing hours vary by state. Some states require 20 to 40 hours of approved coursework for each line before you can sit for the exam, others require none. Check your state's insurance department for the requirement, then use these tests to find out whether you actually know the material.
What is hardest about the P&C exam?
Telling the ISO forms apart (HO-2 versus HO-3 versus HO-5, DP-1 versus DP-3), the homeowners special limits, the Personal Auto Policy parts and their small figures, and the arithmetic for coinsurance, pro rata other insurance and split limits. Every explanation here spells out the number or the calculation and why the tempting wrong answer fails.
Is this the same as the life and health insurance exam?
No. Property and casualty and life and health are separate license lines with separate exams, though both share the same insurance basics and agency law. Tigertest has a separate Life & Health practice test. All four P&C practice tests and all four training sets here are free, with no account required.
I teach a property and casualty pre-licensing course. Can my students use Tigertest?
Yes, for free. Make a class at tigertest.io/teach, post one link, and students join with just their name. You see who practiced, their test scores and the topics your class misses most.
Related practice tests
Every test on Tigertest is free and needs no account to start.
Ready to Pass the P&C Exam?
Free to start. No account required. 200 questions across the whole general portion.
Start practicing