P&C Practice Test 2026 — Free P&C Exam Prep Questions
Agents who sell homeowners, auto, commercial property and liability insurance must pass a state property and casualty producer exam. Our practice questions follow the general-knowledge outline of a large-state General Lines P&C exam, covering personal and commercial policy forms, loss valuation and coinsurance, liability concepts, policy provisions and the producer rules common to most states.
A one-year policy with an annual premium of $1,200 is cancelled by the insurer for a material misrepresentation exactly 3 months after it took effect. Because the insurer cancelled, the return premium is calculated pro rata. How much premium is returned to the insured?
P&C format, scoring & key facts
Computer-based at Pearson VUE or PSI test centers, depending on your state. Calculator rules vary: some states allow a basic handheld calculator, some provide an on-screen one, and some (such as California) allow none.
| Structure | General property and casualty knowledge (about 50/50) plus a state-law portion |
|---|---|
| Example (Texas, Pearson VUE) | 145 questions (130 scored) in 150 minutes; scaled passing score 70 |
| Example (California, PSI) | 150 questions in 195 minutes; passing 60%; no calculators |
| Property topics | Dwelling and homeowners forms, commercial property and BOP, inland/ocean marine, equipment breakdown, crime, NFIP flood, cyber first-party |
| Casualty topics | CGL, personal and commercial auto, umbrella/excess, professional liability, workers comp and employers liability, surety and fidelity bonds |
| Passing score | 70 in most states (California 60%) |
| Testing | Pearson VUE or PSI, depending on the state |
Facts last verified Oct 17, 2026. Source: www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf. Always confirm details with State DOI before your exam.
When can you take the P&C?
Plan backwards from your exam date
What the P&C covers
Every PrepBanq P&C test mirrors the official domain weights.
Domain distribution
% of the exam| Content domain | Weight | ≈ Questions on exam | Our practice questions |
|---|---|---|---|
Property: Types of Policies | 17.3% | ~22 | 26 questions → |
Property: Insurance Terms and Related Concepts | 12% | ~16 | 18 questions → |
Property: Policy Provisions and Contract Law | 10% | ~13 | 15 questions → |
Casualty: Types of Policies, Bonds, and Related Terms | 18% | ~23 | 27 questions → |
Casualty: Insurance Terms and Related Concepts | 12% | ~16 | 18 questions → |
Casualty: Policy Provisions | 10.7% | ~14 | 16 questions → |
Insurance Regulation (general / NAIC model)State-neutral stand-in for the state-law portion: producer licensing, unfair trade practices and other principles shared by most states under NAIC model laws. Check your state's insurance code for exact time frames and fees. | 20% | ~26 | 30 questions → |
How to register for the P&C
Eligibility
Set by your state insurance department: typically age 18+, and in many states completion of pre-licensing education before testing, followed by fingerprinting and a license application after you pass.
Retake policy
Retake rules and waiting periods are set by each state and its testing vendor.
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P&C FAQ
How many questions are on the P&C?
The P&C has 145 questions (130 of them scored) and you have 2 hours 30 minutes to finish. Question types: Multiple choice with four options. Most states give about 100 general P&C questions (property and casualty) plus a state-law portion of roughly 20–30% of scored items; unscored pretest items are mixed in..
How long is the P&C exam?
Testing time for the P&C is 2 hours 30 minutes.
What is the passing score for the P&C?
P&C passing standard: 70 in most states (scaled at Pearson VUE); California requires 60%.
What is on the P&C?
The P&C covers Property: Types of Policies (about 17.3%), Property: Insurance Terms and Related Concepts (about 12%), Property: Policy Provisions and Contract Law (about 10%), Casualty: Types of Policies, Bonds, and Related Terms (about 18%), Casualty: Insurance Terms and Related Concepts (about 12%), Casualty: Policy Provisions (about 10.7%), Insurance Regulation (general / NAIC model) (about 20%).
Who administers the P&C?
The Property and Casualty Insurance Producer License Exam is administered by State DOI. Delivery: Computer-based at Pearson VUE or PSI test centers, depending on your state. Calculator rules vary: some states allow a basic handheld calculator, some provide an on-screen one, and some (such as California) allow none.
Can you retake the P&C?
Retake rules and waiting periods are set by each state and its testing vendor.
Is there a free P&C practice test?
Yes. PrepBanq has 15 free P&C practice tests with 150 exam-style questions in the real P&C formats, and every answer is explained. No credit card is needed.
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