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.

A Georgia agent wants to hand out promotional gift cards to prospects without violating the rebating prohibition. What limit does Georgia law place on such items?

Up to $100 in value per customer per year, and not contingent on buying or renewing a policy

None; any gift is permitted if it is not cash

A Georgia agent collects premiums from several insureds during the week. How must the agent handle those funds under Georgia law?

Hold them in a fiduciary capacity, separate from personal funds, and promptly pay them to the insurer or other party entitled to them

Deposit them in the agency's operating account and remit at month end

Keep a separate bank account for every insurer represented, without exception

Hold them until the policy is delivered

In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

Injuries to others for which the insured is legally liable

Injuries to the insured and passengers regardless of who is at fault

Damage to the insured's own vehicle from a collision

Injuries to the insured caused by a driver who has no insurance

Property damage liability in an auto policy most directly applies to which situation?

The insured damages another person's vehicle in a covered accident

The insured needs roadside assistance

The insured wants a lower deductible

Collision coverage in a personal auto policy generally covers which type of loss?

Damage to the covered auto from impact with another vehicle or object

Damage to another person's vehicle that the insured strikes

Damage to the covered auto from hail, flood, or contact with animals

Bodily injury to the insured's passengers regardless of fault

Comprehensive coverage in a personal auto policy is commonly associated with which type of loss?

Damage from theft, fire, vandalism, or falling objects

Damage from colliding with another vehicle or a fixed object

Damage from the vehicle overturning on a slippery road

Damage the insured causes to another person's property

Uninsured motorist coverage is generally intended to protect the insured when what happens?

An at-fault driver has no applicable liability insurance

The insured's own liability limits are exhausted by a large claim

An at-fault driver has liability limits lower than the insured's damages

The insured is at fault in an accident and has let coverage lapse

Underinsured motorist coverage is generally triggered when what is true?

The at-fault driver has some liability insurance, but not enough to cover the insured's damages

The at-fault driver has no liability insurance and cannot be identified after a hit and run

The insured's own liability limits are lower than the damages the insured caused another party

The at-fault driver's insurer denies the claim because the policy was cancelled for nonpayment

Medical payments coverage in an auto policy usually pays for what?

Covered medical expenses for insured persons after an auto accident, regardless of fault

The insured's legal defense costs only

Lost business income after a fire

Damage to the other driver's car only

A split liability limit of 100/300/50 commonly means what?

$100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage

$100,000 bodily injury per accident, $300,000 bodily injury per person, $50,000 property damage

$100,000 property damage per accident, $300,000 bodily injury per accident, $50,000 medical payments

$100,000 bodily injury per person, $300,000 property damage per accident, $50,000 aggregate per policy

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Georgia Property & Casualty Insurance Practice Exam Free - 2026

Atlanta anchors one of the South's largest insurance industries, regulated by the Georgia Office of Insurance. Georgia's Pearson VUE exams mix scored and pretest questions - free practice here makes both feel routine. Access 348+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Georgia Property & Casualty exam: 135 questions in 150 minutes; passing score 70%; exam fee $67; administered by Pearson VUE; 16-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

348+ Questions

Unlimited Practice

Georgia Specific

How the Georgia Property & Casualty exam compares

The Georgia Property & Casualty exam is 135 questions, 150 minutes, a 70% cut score - combined 'P&C Agent COMBO' exam, with separate Property and Casualty options. The examination fee is $67 per examination.

Georgia requires 16 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. Last updated July 29, 2026

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

Official content outline: what the Georgia Property & Casualty exam tests

Georgia Property & Casualty Agent COMBO (12-GA-20), with separate Property Agent and Casualty Agent exams also offered

COMBO: 125 scored + 10 pretest questions, 2.5 hours. Single line: 80 scored + 10 pretest, 2 hours

Outline section	Questions / weight
Property: Types of policies	22
Property: Insurance terms and related concepts	15
Property: Policy provisions and contract law	13
Casualty: Types of policies, bonds and related terms	23
Casualty: Insurance terms and related concepts	15
Casualty: Policy provisions	12
Georgia state laws, rules and regulations pertinent to all insurance lines	18 (22 on a single-line exam)
Georgia rules and codes pertinent to property & casualty	3-4
Georgia rules and codes pertinent to property only	0-1
Georgia rules and codes pertinent to casualty only	3-4

Georgia state law on the exam: About 25 of the 125 scored COMBO questions (22 of 80 on a single-line exam)

Insurance Department and Commissioner: powers, examination of records, hearings and penalties (O.C.G.A. 33-2, 33-6)
Definitions: domestic, foreign and alien insurers; stock vs. mutual; certificates of authority (33-3, 33-14)
Licensing of agents, counselors, subagents and adjusters; license maintenance, revocation, temporary and nonresident licenses (33-23; Reg. 120-2-3)
Unfair trade practices: rebating, defamation, unfair discrimination, misrepresentation, twisting, controlled business, coercion, commingling, fiduciary responsibility, sharing commissions, unfair claims practices, fraud (33-6, 33-23, 33-24)
Cancellation and nonrenewal (Reg. 120-2-53; 33-24-44 to 47), regulation of rates (33-9), binders (33-24-33), the Georgia Insurer Solvency Pool (33-36)
Property only: the FAIR Plan (33-33). Casualty only: defensive driving discounts, uninsured motorist coverage (33-7-11), the Financial Responsibility Law (40-9), the Georgia Automobile Insurance Plan, and workers' compensation (34-9)

Georgia's outline lists every statute by section number, and the state-law questions are drawn from those citations. Candidates who know the national material but skip Title 33 routinely lose 15 or more points here - enough to fail a 70% exam.

Source: Georgia Insurance Content Outlines (Pearson VUE #121102, effective October 22, 2024) (effective October 22, 2024). Outlines change; confirm with the current document before you book.

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50-150 questions
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Instant feedback
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Georgia Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: 135 questions on the COMBO exam (125 scored + 10 pretest)
Time limit: 150 minutes for the COMBO exam (120 single-line)
Passing: 70% correct
Exam fee: $67 per examination
Prelicensing: 16 hours combined (8 Property + 8 Casualty)

Verified July 2026 from the Georgia Insurance Licensing Candidate Handbook (Pearson VUE). Always confirm with the current official candidate handbook.

Georgia Office of Insurance

More Georgia Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Georgia 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 Georgia 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 Georgia

Prepare for multiple insurance licenses in Georgia

Life Insurance

Georgia Exam

Health Insurance

Georgia Exam

Property & Casualty Exams in Nearby States

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

Official Georgia Insurance Resources

Important external links for Georgia insurance licensing information

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

Learn more about exam preparation:

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

Georgia Property & Casualty Insurance Practice Exam Free - 2026

How the Georgia Property & Casualty exam compares

Official content outline: what the Georgia Property & Casualty exam tests

Georgia state law on the exam: About 25 of the 125 scored COMBO questions (22 of 80 on a single-line exam)

Choose Your Practice Mode

Georgia Property & Casualty Exam Topics

Free Georgia Property & Casualty Practice Questions with Answers

Question 1: A Georgia agent wants to hand out promotional gift cards to prospects without violating the rebating prohibition. What limit does Georgia law place on such items?

Question 2: A Georgia agent collects premiums from several insureds during the week. How must the agent handle those funds under Georgia law?

Question 3: A Georgia insurer wants to cancel a property policy for a reason other than nonpayment of premium. How much advance written notice must it give the named insured?

Question 4: Under Georgia law, when a policy is canceled because the named insured failed to pay the premium when due, the cancellation notice must be given at least how far in advance?

Question 5: In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

Question 6: Property damage liability in an auto policy most directly applies to which situation?

Question 7: Collision coverage in a personal auto policy generally covers which type of loss?

Question 8: Comprehensive coverage in a personal auto policy is commonly associated with which type of loss?

Question 9: Uninsured motorist coverage is generally intended to protect the insured when what happens?

Question 10: Underinsured motorist coverage is generally triggered when what is true?

Question 11: Medical payments coverage in an auto policy usually pays for what?

Question 12: A split liability limit of 100/300/50 commonly means what?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

How much Georgia state law is on the Property & Casualty exam?

Other Insurance Exams in Georgia

Property & Casualty Exams in Nearby States

Official Georgia Insurance Resources

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Property & Casualty practice tests by state