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 1300 practice questions - 401 for Life, 400 for Health, and 534 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 'comparative negligence'?

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

A rule that completely bars recovery if the plaintiff was negligent in any degree

A doctrine holding the defendant liable regardless of fault for inherently dangerous acts

A defense that the plaintiff voluntarily accepted a known danger and cannot recover

What is 'contributory negligence'?

A defense that bars recovery if the plaintiff was at all negligent

A rule that reduces the plaintiff's award by his or her percentage of fault

A defense that the plaintiff knowingly and voluntarily accepted a known risk

A rule that each defendant pays its own proportional share of a judgment

What is the 'assumption of risk' defense?

A defense that the plaintiff knowingly accepted the risks of an activity

A defense that the plaintiff's own carelessness contributed to the injury

A defense that too much time has passed for the plaintiff to file the lawsuit

A defense that the defendant's act was not the proximate cause of the injury

What are 'punitive damages'?

Damages awarded to punish the defendant for egregious conduct, not just compensate the plaintiff

Fines and penalties imposed by the state in a criminal prosecution of the defendant

Court costs and attorney fees awarded to the prevailing party at the end of the lawsuit

Compensatory damages that reimburse the plaintiff's medical bills, lost wages, and repairs

What is the 'statute of limitations' in insurance claims?

The time period within which a legal action must be filed

The time period the insurer has to accept or deny a submitted claim

The maximum number of years a liability policy can remain in force

The time after a loss within which the insured must notify the insurer

What is workers' compensation insurance?

Coverage providing medical benefits and wage replacement to employees injured on the job

Coverage that reimburses employees for wages lost during a layoff or plant shutdown

Coverage providing disability income to employees who are injured away from work

Coverage providing health insurance benefits to employees and their dependents through the employer

What is the 'exclusive remedy' doctrine in workers' compensation?

Workers' compensation is the only remedy for workplace injuries, barring lawsuits against employers

The employer may purchase workers' compensation only from the state fund, not from private insurers

An injured employee may collect benefits only from the employer's policy, not from a negligent third party

An injured employee must choose between workers' compensation benefits and a negligence lawsuit against the employer

What is 'experience modification' in workers' compensation?

A factor adjusting premiums based on an employer's actual loss history compared to expected losses

A factor adjusting premiums based on the number of years the employer has been in business

A plan adjusting the final premium after the policy period based on losses during that same period

A credit applied to the premium when the employer adopts a formal workplace safety program

What is 'retrospective rating' in workers' compensation?

A rating plan where final premium is adjusted based on actual losses during the policy period

A rating plan where premium is adjusted based on the employer's losses during the prior three years

A rating plan where premium is set by the employer's payroll and industry classification code alone

A rating plan where premium is discounted because the policy's total standard premium is large

What does 'NCCI' stand for in workers' compensation?

National Council on Compensation Insurance

Network of Compensation Coverage Insurers

National Casualty Claims Institute

National Committee on Coverage Issues

What is 'fidelity bond' coverage?

Coverage for loss due to employee theft or dishonesty

Coverage guaranteeing an employee will perform the duties of a job

Coverage for theft of business property by outside burglars

Coverage for a contractor's failure to complete a bonded project

What is a 'surety bond'?

A three-party agreement guaranteeing one party will fulfill an obligation to another

A two-party contract in which the insurer agrees to indemnify the insured for a loss

A three-party agreement in which the obligee guarantees the surety's performance to the principal

A bond covering an employer for losses caused by the dishonest acts of its employees

100% Free - No Registration Required

District of Columbia Property & Casualty Insurance Practice Exam Free - 2026

Producers in the nation's capital are licensed by the DC Department of Insurance, Securities and Banking. Use these free practice tests to master the national exam content before you schedule your DC licensing exam. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The District of Columbia Property & Casualty exam: 85 questions in 120 minutes; passing score 70 (scaled); exam fee $75; administered by Pearson VUE; 40-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

District of Columbia Specific

How the District of Columbia Property & Casualty exam compares

The District of Columbia Property & Casualty exam is 85 questions, 120 minutes - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $75.

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

District of Columbia requires 40 hours of prelicensing education before you may sit - one of the heaviest classroom requirements in the country.

Mirrors the Property exam - District of Columbia 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 District of Columbia Insurance Licensing Candidate Handbook (September 2022, #120900) + Content Outlines (#120901) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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 District of Columbia selection

District of Columbia Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property exam: General 50+5 + DC 25+5 = 85 q; Casualty is a separate exam: General 50+5 + DC 30+5 = 90 q, each 120 min. Combination examinations are no longer available
Time limit: 120 minutes
Passing: scaled 70
Exam fee: $75
Prelicensing: Proof of a pre-licensing course of study is required before sitting for the exam, but a mandatory minimum hour count (e.g. 40 hours) is NOT mandated by the Commissioner

Verified July 2026 from the District of Columbia Insurance Licensing Candidate Handbook (September 2022, #120900) + Content Outlines (#120901). Always confirm with the current official candidate handbook.

More District of Columbia Tests

Study Tip

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.

District of Columbia 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 District of Columbia Property & Casualty Practice Questions with Answers

12 sample questions from the 390-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 District of Columbia

Prepare for multiple insurance licenses in District of Columbia

Life Insurance

District of Columbia Exam

Health Insurance

District of Columbia Exam

Official District of Columbia Insurance Resources

Important external links for District of Columbia insurance licensing 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 District of Columbia Property & Casualty exam preparation today.

Learn more about exam preparation:

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

District of Columbia Property & Casualty Insurance Practice Exam Free - 2026

How the District of Columbia Property & Casualty exam compares

Choose Your Practice Mode

District of Columbia Property & Casualty Exam Topics

Free District of Columbia Property & Casualty Practice Questions with Answers

Question 1: What is 'comparative negligence'?

Question 2: What is 'contributory negligence'?

Question 3: What is the 'assumption of risk' defense?

Question 4: What are 'punitive damages'?

Question 5: What is the 'statute of limitations' in insurance claims?

Question 6: What is workers' compensation insurance?

Question 7: What is the 'exclusive remedy' doctrine in workers' compensation?

Question 8: What is 'experience modification' in workers' compensation?

Question 9: What is 'retrospective rating' in workers' compensation?

Question 10: What does 'NCCI' stand for in workers' compensation?

Question 11: What is 'fidelity bond' coverage?

Question 12: What is a 'surety bond'?

Frequently Asked Questions

How many questions are on the District of Columbia Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the District of Columbia insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in District of Columbia

Official District of Columbia Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state