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.

Which item is commonly used in workers compensation rating?

The owner's personal credit card rewards

The number of life insurance beneficiaries

An experience modification factor in workers compensation is used to reflect what?

The employer's loss experience compared with similar employers

The employer's total payroll divided by the number of employees

The hazard level assigned to each job classification code

The years the employer has been continuously insured with the same carrier

Which benefit is commonly included in workers compensation systems?

Medical benefits for covered work-related injuries

A guaranteed retirement annuity

Collision repair for the employee's personal car after any accident

Inland marine insurance is often used to cover what type of property?

Movable property, property in transit, or specialized property exposures

Cargo carried aboard vessels on the open sea and the vessels themselves

Permanent buildings and fixed structures at a single described premises location

Owned autos, hired autos, and nonowned autos used in the business

A contractors equipment floater is commonly used to insure what?

Mobile tools and equipment used by a contractor

A contractor's liability for faulty completed work

Vehicles the contractor drives on public highways

A building under construction until it is completed

An accounts receivable coverage form is designed to help when what happens?

Covered records of amounts owed to the insured are damaged or destroyed

A customer of the insured becomes insolvent and cannot pay an outstanding invoice

The insured's bookkeeper embezzles payments received from customers

The insured's records of amounts it owes to suppliers are lost in a fire

A valuable papers and records form is intended to cover what?

The cost to research, replace, or restore important documents after covered loss

The face value of money, securities, and negotiable instruments stolen from the premises

Amounts the insured cannot collect because its customer billing records were destroyed

The insured's liability to clients whose confidential documents were exposed in a data breach

A transportation floater is most closely associated with which exposure?

Property while being transported

Homeowners medical payments only

Commercial crime insurance is commonly used to cover which exposure?

Employee theft or certain theft-related losses

Liability for injuries during a robbery on the premises

Losses caused by the insured's own dishonest acts

Damage to a customer's property in the insured's care

Employee theft coverage is designed to protect an employer from what?

Covered dishonest acts committed by employees

Theft of employees' personal property at work

Robbery of a messenger by an outside third party

Dishonest acts committed by the business owner

A performance bond generally guarantees what?

A contractor will perform according to the contract

A contractor will pay its subcontractors and suppliers

A contractor will sign the contract if the bid is accepted

A contractor will be paid on time by the project owner

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Illinois Property & Casualty Insurance Practice Exam Free - 2026

Chicago is home to some of the nation's largest insurers, and the Illinois Department of Insurance licenses every producer serving them. Take free mock exams here until your scores clear the passing mark with room to spare. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Illinois Property & Casualty exam: 90 questions in 135 minutes; passing score 70 (scaled); exam fee $92; administered by Pearson VUE; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Illinois Specific

How the Illinois Property & Casualty exam compares

The Illinois Property & Casualty exam is 90 questions, 135 minutes, a scaled passing score of 70 - separate Property and Casualty exams (figures reflect the Property exam). The examination fee is $92 per line.

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

Illinois requires 20 hours of prelicensing education before you can take the exam.

Mirrors the Property exam - Illinois 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 Illinois Insurance Candidate Handbook (Pearson VUE #121400, March 2026) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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

Illinois splits the Property & Casualty licensing exam into a general (national) part and a state-specific part on Illinois law: Property: General 55 (50+5, 85 min) + State 35 (30+5, 50 min) = 90 q/135 min. Casualty: General 55 (50+5, 80 min) + State 42 (37+5, 55 min) = 97 q/135 min. Time limit: 135 minutes. Passing: Scaled score of 70 required. 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 Illinois'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 Illinois Department 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 Illinois selection

Illinois Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Property: General 55 (50+5, 85 min) + State 35 (30+5, 50 min) = 90 q/135 min. Casualty: General 55 (50+5, 80 min) + State 42 (37+5, 55 min) = 97 q/135 min
Time limit: 135 minutes
Passing: Scaled score of 70 required
Exam fee: $92 per line (General + State pair)
Prelicensing: 20 hours per line of authority (7.5 of the 20 must be classroom) per Illinois DOI; a current Pre-License Course Certificate must be presented at the test center

Verified July 2026 from the Illinois Insurance Candidate Handbook (Pearson VUE #121400, March 2026). Always confirm with the current official candidate handbook.

Illinois Department of Insurance

More Illinois 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.

Illinois 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 Illinois 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 Illinois

Prepare for multiple insurance licenses in Illinois

Life Insurance

Illinois Exam

Health Insurance

Illinois Exam

Property & Casualty Exams in Nearby States

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

Official Illinois Insurance Resources

Important external links for Illinois insurance licensing information

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

Learn more about exam preparation:

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

Illinois Property & Casualty Insurance Practice Exam Free - 2026

How the Illinois Property & Casualty exam compares

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

Choose Your Practice Mode

Illinois Property & Casualty Exam Topics

Free Illinois Property & Casualty Practice Questions with Answers

Question 1: Which item is commonly used in workers compensation rating?

Question 2: An experience modification factor in workers compensation is used to reflect what?

Question 3: Which benefit is commonly included in workers compensation systems?

Question 4: Inland marine insurance is often used to cover what type of property?

Question 5: A contractors equipment floater is commonly used to insure what?

Question 6: An accounts receivable coverage form is designed to help when what happens?

Question 7: A valuable papers and records form is intended to cover what?

Question 8: A transportation floater is most closely associated with which exposure?

Question 9: Commercial crime insurance is commonly used to cover which exposure?

Question 10: Employee theft coverage is designed to protect an employer from what?

Question 11: A surety bond involves which three parties?

Question 12: A performance bond generally guarantees what?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

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

Other Insurance Exams in Illinois

Property & Casualty Exams in Nearby States

Official Illinois Insurance Resources

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Property & Casualty practice tests by state