California Property & Casualty Insurance Practice Exam Free - 2026
California licenses more insurance producers than any other state, all regulated by the California Department of Insurance. Competition is real - use unlimited free practice with explanations to make sure you pass the first time. Access 348+ free Property & Casualty questions with detailed explanations.
Exam quick facts. The California Property & Casualty exam: 150 questions in 180 minutes; passing score 60%; exam fee $55; administered by PSI; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source
How the California Property & Casualty exam compares
The California Property & Casualty exam is 150 questions, 180 minutes, a 60% cut score - combined Property & Casualty exam. The examination fee is $55.
That 60% pass mark is below the 70% most states use. The content outline is no shorter, so the margin is more forgiving - the material is not.
California requires 12 hours of prelicensing education before you can take the exam.
Property & Casualty questions reviewed by Rebecca Lawson and Robert Hayes — Property & Casualty, 11 years' experience, Phoenix, AZ; Property & Casualty and Personal Lines, 13 years' experience, Denver, CO.
Figures above are taken from CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.
Official content outline: what the California Property & Casualty exam tests
California Property Broker-Agent and Casualty Broker-Agent examinations (taken together as the Property and Casualty Broker-Agent exam)
75 questions and 90 minutes for each single-line exam; 150 questions and 180 minutes for the combined Property and Casualty exam
| Outline section | Questions / weight |
|---|---|
| Property exam: General insurance (includes ethics and the California Insurance Code) | 15% |
| Property exam: Property insurance | 15% |
| Property exam: Personal lines insurance | 38% |
| Property exam: Commercial insurance coverages | 30% |
| Property exam: Pet insurance | 2% |
| Casualty exam: General insurance (includes ethics and the California Insurance Code) | 15% |
| Casualty exam: Casualty insurance | 15% |
| Casualty exam: Personal lines insurance | 35% |
| Casualty exam: Commercial insurance coverages | 35% |
California state law on the exam: Woven through the General Insurance section (15% of each exam) as the 12-hour Ethics and California Insurance Code objectives
- Cal. Ins. Code definitions: insurance, insurer, admitted vs. non-admitted, person, and the penalty for acting for a non-admitted insurer (Sections 22-47, 700 series)
- Materiality of concealment, representations and warranties (Sections 330-361)
- Prohibition of free insurance and rebating (Section 777.1)
- Licensee duties: 30-day notice of background changes (Section 1729.2), a 3-hour ethics course in every CE renewal cycle, recordkeeping
- Ethical standards: put the customer's interest first, represent products truthfully, protect customer privacy
- How the Insurance Code and Title 10 of the California Code of Regulations are changed and enforced
California does not publish a separate state-law question count: the Department's 2026 license examination objectives fold the ethics and Insurance Code objectives into the General Insurance section of both exams. The combined Property and Casualty Broker-Agent exam simply joins the two 75-question exams, so the personal-lines and commercial sections between them carry roughly two-thirds of every question.
Source: California Department of Insurance - Property and Casualty License Examination Objectives (effective January 1, 2026) (effective January 1, 2026). Outlines change; confirm with the current document before you book.
Choose Your Practice Mode
- Vendor: PSI
- Questions: 150 questions combined Property & Casualty Broker-Agent (separate Property 75 q and Casualty 75 q exams also listed, 90 min each)
- Time limit: 180 minutes
- Passing: 60%
- Exam fee: $55
- Prelicensing: 20-hour per-line prelicensing repealed effective Jan 1, 2026 (AB 943); 12 hours of Ethics & California Insurance Code study still required before license issuance
Verified July 2026 from the CDI - Examinations: Time Limit and Number of Questions (+ CDI fee schedule and AB 943 notice). Always confirm with the current official candidate handbook.
Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.
California Property & Casualty Exam Topics
Free California Property & Casualty Practice Questions with Answers
12 sample questions from the 348-question Property & Casualty bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.
Want to study offline? Download the free Property & Casualty questions & answers PDF.
Frequently Asked Questions
Other Insurance Exams in California
Prepare for multiple insurance licenses in California
Official California Insurance Resources
Important external links for California insurance licensing information
California Department of Insurance
Official state regulator for insurance licensing, requirements, and exam information.
NAIC - National Association of Insurance Commissioners
The standard-setting and regulatory support organization for state insurance regulators.
Prometric Testing Services
Official testing provider for insurance licensing exams in many states.
PSI Services
Insurance licensing exam administration for select states.
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