Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

What is the 'attractive nuisance' doctrine?

Liability for injuries to children attracted to dangerous conditions on property

Liability for injuries to adult trespassers who ignore posted warning signs

Liability imposed on a business for the negligent acts of its employees

Liability for injuries to invited guests caused by hazards the owner failed to repair

What is 'vicarious liability'?

Liability imposed on one party for the actions of another

Liability imposed without any proof of negligence or fault

Liability that allows each defendant to be held for the full judgment

Liability of a property owner for injuries to children lured by hazards

What is 'strict liability'?

Liability imposed without proof of negligence or fault

Liability imposed on an employer for an employee's negligent acts

Liability that is reduced by the injured party's own share of fault

Liability that requires the plaintiff to prove a breach of duty

What is 'joint and several liability'?

Each defendant can be held responsible for the full amount of damages

Each defendant is responsible for damages strictly in proportion to its share of fault

Each defendant is responsible for an equal share of the damages regardless of fault

The plaintiff must sue every defendant together before collecting any damages

What is 'comparative negligence'?

A system where damages are reduced by the plaintiff's percentage of fault

A system where any fault by the plaintiff completely bars recovery of damages

A system where damages are divided equally among all negligent defendants

A system where the defendant is liable regardless of whether negligence is proven

What is 'contributory negligence'?

A defense that bars recovery if the plaintiff contributed to their own injury at all

A rule that reduces the plaintiff's award in proportion to their percentage of fault

A defense that bars recovery when the plaintiff was more than 50 percent at fault

A defense that shifts the entire loss to the defendant who contributed most to the injury

What is an 'aggregate limit' in liability insurance?

The maximum amount the insurer will pay for all claims during a policy period

The maximum amount the insurer will pay for all claims arising from a single event

The maximum amount the insured must pay out of pocket before coverage responds

The total of the limits carried under all of the insured's liability policies combined

What is a 'per occurrence' limit?

The maximum amount payable for any single covered event

The maximum amount payable to any one injured person per event

The maximum amount payable for all claims during the policy term

The amount the insured must pay before the insurer pays on each claim

What is 'claims-made' coverage?

Coverage that applies when a claim is made during the policy period

Coverage that applies when the injury occurs during the policy period

Coverage that applies to any claim reported after the policy has expired

Coverage that applies to injuries occurring before the policy's retroactive date

What is 'occurrence' coverage?

Coverage that applies when the incident occurs during the policy period

Coverage that applies when the claim is first made during the policy period

Coverage that applies if the incident is reported before the policy expires

Coverage that applies to incidents occurring after the policy's retroactive date

What is a 'tail' or 'extended reporting period' endorsement?

An extension allowing claims to be reported after a claims-made policy expires

An extension of the policy period that keeps the policy in force for an added premium

A provision that covers incidents occurring before the policy's retroactive date

An endorsement allowing an occurrence policy to be converted into a claims-made form

What is 'SR-22' in auto insurance?

A certificate proving minimum liability coverage, required after certain violations

A form filed by the insurer to cancel a policy for nonpayment of premium

A certificate proving a driver has completed a state-approved defensive driving course

A federal filing required for commercial trucks that cross state lines

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Colorado Property & Casualty Insurance Practice Exam Free - 2026

From Denver's insurance hub to the Western Slope, Colorado candidates test under rules set by the Colorado Division of Insurance. Take a free baseline mock exam, find your weak topics, and fix them before the real thing. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Colorado Property & Casualty exam: 85 questions in 120 minutes; passing score not published by the state; exam fee $41; administered by Pearson VUE; prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Colorado Specific

How the Colorado Property & Casualty exam compares

The Colorado Property & Casualty exam is 85 questions, 120 minutes - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $41.

It is shorter than the typical Property & Casualty exam of about 145 questions, so each item carries more weight.

Colorado requires prelicensing training, but the handbook publishes no fixed hour count - the requirement is set with the state's approved providers, so confirm it before you enrol.

Mirrors the Property exam - Colorado tests Property and Casualty separately.

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. Last updated July 29, 2026

Figures above are taken from Colorado Insurance Licensing Candidate Handbook (April 2026, #120600) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Colorado Property & Casualty producer exam: general and state parts

Colorado splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Colorado law: Property exam: General 50+5, State 25+5 = 85 q; Casualty is a separate exam: General 50+5, State 31+5 = 91 q, also 120 min. Time limit: 120 minutes. Passing: scaled score (not published). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Colorado's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Colorado Division of Insurance.

Choose Your Practice Mode

Mock Exam

Simulate the real exam experience with timed questions

Timed test
50-150 questions
No answer hints

Quiz Mode

Practice with immediate feedback on each question

Instant feedback
See explanations
Track progress

Review Mode

Study all questions with answers visible

All answers shown
Full explanations
Study at your pace

Make Your Own Test

Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your Colorado selection

Colorado Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property exam: General 50+5, State 25+5 = 85 q; Casualty is a separate exam: General 50+5, State 31+5 = 91 q, also 120 min
Time limit: 120 minutes
Passing: scaled score (not published)
Exam fee: $41
Prelicensing: Pre-licensing training required for Life, A&H, Property, Casualty, Personal Lines, but no specific hour count is published - requirements set with approved providers (sircon.com/colorado); exemptions for designations (CLU, CPCU, etc.)

Verified July 2026 from the Colorado Insurance Licensing Candidate Handbook (April 2026, #120600). Always confirm with the current official candidate handbook.

Colorado Division of Insurance

More Colorado Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

Colorado Property & Casualty Exam Topics

Advanced Scenarios

Auto Insurance

Businessowners Policy (BOP)

CGL Exclusions

Claims Process

Commercial Auto

Commercial General Liability

Commercial Insurance

Crime Coverage

Dwelling Policy (DP Forms)

Emerging & Mandated Coverages

Endorsements

Environmental Liability

Equipment Breakdown

Ethics & Regulations

Farm & Ranch Coverage

Flood Insurance (NFIP)

General Principles & Contract Law

Homeowners Exclusions

Homeowners Insurance

Inland & Ocean Marine

Insurance Fundamentals

Liability Insurance

Liability Limits

Mixed Scenarios

P&C Insurance Basics

Policy Conditions

Policy Provisions & Conditions

Professional Liability

Property Exclusions

Property Insurance

Property Valuation

Residual & Surplus Lines Markets

Surety & Fidelity Bonds

Valuation, Coinsurance & Limits

Workers Compensation

State Insurance Law

Free Colorado Property & Casualty Practice Questions with Answers

12 sample questions from the 330-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 Colorado

Prepare for multiple insurance licenses in Colorado

Life Insurance

Colorado Exam

Health Insurance

Colorado Exam

Property & Casualty Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Colorado Insurance Resources

Important external links for Colorado insurance licensing information

Colorado Division 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.

Ready to Start Practicing?

Choose a practice mode above and begin your free Colorado Property & Casualty exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Colorado Property & Casualty Insurance Practice Exam Free - 2026

How the Colorado Property & Casualty exam compares

The Colorado Property & Casualty producer exam: general and state parts

Choose Your Practice Mode

Colorado Property & Casualty Exam Topics

Free Colorado Property & Casualty Practice Questions with Answers

Question 1: What is the 'attractive nuisance' doctrine?

Question 2: What is 'vicarious liability'?

Question 3: What is 'strict liability'?

Question 4: What is 'joint and several liability'?

Question 5: What is 'comparative negligence'?

Question 6: What is 'contributory negligence'?

Question 7: What is an 'aggregate limit' in liability insurance?

Question 8: What is a 'per occurrence' limit?

Question 9: What is 'claims-made' coverage?

Question 10: What is 'occurrence' coverage?

Question 11: What is a 'tail' or 'extended reporting period' endorsement?

Question 12: What is 'SR-22' in auto insurance?

Frequently Asked Questions

How many questions are on the Colorado Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Colorado insurance exam?

Can I take the practice test on my phone?

Is the Colorado Property & Casualty producer exam one test or two?

Other Insurance Exams in Colorado

Property & Casualty Exams in Nearby States

Official Colorado Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state