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Free Insurance Practice Tests for Every State. Pass Your Licensing Exam the First Time.

Take a free insurance practice test for your state - hundreds of exam-style questions with instant explanations for Life, Health, and Property & Casualty licenses, with no sign-up required.

800+
Questions
51
States + DC
3
License lines
Free
Always

Start With the Most-Searched States

The states where candidates practice most on this site

North Carolina

Prelicensing repealed 2025

Ohio

PSI exams

Michigan

PSI exams

Arizona

New PSI vendor

California

Largest US market

Washington

OIC regulated

Texas

Huge demand

Maryland

Busy pipeline

Georgia

Pearson VUE

Illinois

Top-10 market

New York

90h prelicensing

Florida

Fast-growing

Your Three-Step Path to a Passing Score

1

Pick Your State & License

Every state page shows exam info, official department links, and sample questions for your license line.

2

Practice With Explanations

Take a baseline mock exam, then drill weak topics in quiz mode. Read the explanation on every question - even the ones you get right.

3

Repeat Until You Pass

Retake tests until you score comfortably above your state's passing mark two or three times in a row. Then book your exam with confidence.

What You'll Be Tested On

The topic clusters that appear on every state's licensing exam

Life Policy Types

Term, whole, universal & variable life

Provisions & Riders

Grace periods, incontestability, options

Underwriting

Applications, risk classes & delivery

Annuities & Taxation

Payout options, MECs & 1035 exchanges

Health Provisions

Mandatory clauses & disability income

Medicare & the ACA

Parts A-D, supplements & marketplace rules

Property Forms

HO forms, dwelling & commercial property

Liability & Auto

Negligence, personal auto & CGL

Exam Requirements by State

Verified Property & Casualty exam details from official candidate handbooks (July 2026). More states are being verified - always confirm with your state's current handbook.

StateQuestionsPass ScoreExam FeeVendor
Michigan150 scored questions on the combined exam74% combined$41PSI ServicesSee Test
New York150 questions70% correct$40PSI ServicesSee Test
North Carolina60 questions per examScaled score of 70$45Pearson VUESee Test
Arizona150 questions combined70% correct$59PSI ServicesSee Test
Georgia135 questions on the COMBO exam70% correct$67Pearson VUESee Test
Missouri100 questions combinedScaled score of 70$40Pearson VUESee Test
New JerseyProperty: 79 scored questions; Casualty: 91 scored questions70% correct on each exam$38PSI ServicesSee Test
Ohio150 questions combined70% minimum$49PSI ServicesSee Test

What Sets These Practice Tests Apart

Real Exam-Style Questions

Multiple-choice items built on the national content outlines the state vendors publish.

Instant Explanations

Every question explains why the right answer is right - learn the rule, not the letter.

800+ Question Bank

240 Life, 240 Health, and 330 Property & Casualty questions, growing in verified batches.

Free Q&A PDFs

Download the full question banks with answer keys to study offline - no email required.

Works on Any Device

Practice on your phone, tablet, or desktop. Progress saves automatically in your browser.

Unlimited Retakes

Take every test as many times as you need. No accounts, no paywalls, no limits.

Why Practice Testing Works

Retrieval beats rereading

Learning research consistently shows that answering questions - retrieval practice - builds far stronger recall than rereading notes or manuals.

Explanations close the gaps

Every missed question here tells you why the right answer is right, so each mistake becomes a rule you'll remember on exam day.

Familiarity kills exam anxiety

Timed mock exams make the real test feel routine: same format, same pacing, no surprises when it counts.

Insurance Exam Practice: Everything You Need to Pass

Every state requires new insurance producers to pass a licensing exam before they can sell a single policy. The exam is multiple choice, administered by your state's testing vendor (most states use PSI, Pearson VUE, or Prometric), and built from a published content outline. That predictability is good news: a predictable exam is a beatable exam - if you practice the right way.

How these practice tests mirror the real exam

Our Life, Health, and Property & Casualty question banks are written against the national content outlines that state vendors publish in their candidate handbooks - the same topic clusters, the same multiple-choice format, and the same emphasis on policy provisions, underwriting, and state regulation. Mock exams run on a timer to reproduce real exam pacing, and quiz mode gives instant feedback while you're still learning the material.

A four-step plan to pass on the first attempt

  1. Take a baseline mock exam cold. Before studying, find out which topics actually need your time.
  2. Drill weak topics in quiz mode. Read the explanation on every question - the explanation is where the learning happens.
  3. Re-test under timed conditions. You're ready to schedule when practice scores sit comfortably above your state's passing mark, consistently.
  4. Verify state specifics. Question counts, fees, and passing scores vary by state - each of our state pages links to the official insurance department and shows verified exam facts where we have them.

Study anywhere, in any format

Prefer paper? Download the free questions and answers PDFs - the complete banks with answer keys and explanations. Prefer structure? The custom test builder lets you pick topics and question counts. Everything works on your phone, saves progress automatically, and never asks you to register.

This site is an independent study resource - not affiliated with any state insurance department or exam vendor. Exam details change, so always confirm current requirements with your state's official sources before scheduling. Details on how we verify content are on our Sources and Updates page.

Frequently Asked Questions

Ready to Start Practicing?

No account, no payment, no catch. Pick your state and take your first free practice test right now.