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 'bodily injury liability'?

Coverage for legal liability when you injure someone else

Coverage for your own injuries regardless of who was at fault

Coverage for injuries to your employees while on the job

Coverage for damage you cause to another person's property

What is 'property damage liability'?

Coverage for legal liability when you damage someone else's property

Coverage for damage to your own vehicle when you collide with another object

Coverage for damage to your property caused by another person

Coverage for injuries you cause to other people in an accident

What is 'personal liability' coverage in a homeowners policy?

Coverage protecting against claims of bodily injury or property damage caused by the insured

Coverage paying the insured's own medical bills after an injury on the residence premises

Coverage paying for the insured's personal property both on and away from the premises

Coverage protecting the insured against liability claims arising from business conducted at the home

What is an 'umbrella' liability policy?

Excess liability coverage above underlying primary policies

Primary liability coverage that replaces auto and homeowners policies

A package policy that combines property and liability coverage

Excess property coverage above the limits of a homeowners policy

What is 'negligence'?

Failure to exercise reasonable care, resulting in harm to others

Deliberate conduct intended to cause harm to another person

Failure to disclose a known material fact on an insurance application

Failure to comply with the conditions of an insurance contract

What are the elements required to prove negligence?

Duty, breach of duty, proximate cause, and damages

Offer, acceptance, consideration, and legality

Intent, motive, opportunity, and resulting injury

Duty, breach of duty, foreseeability, and intent

What does 'liability' coverage in auto insurance protect?

Claims from others you injure or whose property you damage

Damage to your own vehicle from a collision with another car

Your own medical expenses after an accident regardless of fault

Your injuries caused by a driver who carries no insurance

What is 'collision' coverage?

Coverage for damage to your vehicle from colliding with another object

Coverage for damage to another driver's vehicle when you are legally at fault

Coverage for damage to your vehicle from theft, fire, or hail

Coverage for injuries to occupants of your vehicle in a collision

What is 'comprehensive' coverage in auto insurance?

Coverage for damage from non-collision events like theft, fire, or hail

Coverage for damage to your vehicle when it strikes another vehicle or object

Coverage for all damage to your vehicle including mechanical breakdowns

Coverage for bodily injury and property damage you cause to others

What is 'uninsured motorist' (UM) coverage?

Coverage for injuries caused by a driver who has no insurance

Coverage for unlicensed drivers

Coverage for driving without insurance

What is 'underinsured motorist' (UIM) coverage?

Coverage when the at-fault driver's insurance is insufficient to cover your damages

Coverage when the at-fault driver has no liability insurance or flees the scene

Coverage when your own liability limits are too low to pay a judgment against you

Coverage when your own policy limits are too low to repair your vehicle after a collision

What is 'medical payments' (MedPay) coverage in auto insurance?

Coverage that pays medical bills for you and passengers regardless of fault

Coverage that pays medical bills for people you injure when you are at fault

Coverage that pays medical bills, lost wages, and replacement services regardless of fault

Coverage that pays medical bills for you and passengers up to the state-required liability limit

100% Free - No Registration Required

New Mexico Property & Casualty Insurance Practice Exam Free - 2026

The New Mexico Office of Superintendent of Insurance licenses producers statewide. From Albuquerque to Las Cruces, use these free practice questions to prepare for your licensing exam. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The New Mexico Property & Casualty exam: 150 questions in 150 minutes; passing score 70%; exam fee $75; administered by Prometric; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

New Mexico Specific

How the New Mexico Property & Casualty exam compares

The New Mexico Property & Casualty exam is 150 questions, 150 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $75.

Testing is through Prometric, now the least common of the three national vendors - worth checking seat availability early.

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 New Mexico Office of Superintendent of Insurance Licensing Information Bulletin (Prometric) 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 New Mexico selection

New Mexico Property & Casualty Exam Info

Vendor: Prometric
Questions: Combined Property and Casualty (Series 18-31): 150 questions, 2.5-hour limit; separate Property (18-28) and Casualty (18-29) exams of 100 questions/2 hours/$75 each are also offered
Time limit: 150 minutes
Passing: 70% or higher
Exam fee: $75
Prelicensing: No prelicensing education requirement stated in the bulletin's licensure steps (register, take exam, apply via NIPR); the exam registration form retains an optional prelicensing course provider field. Hours requirement could not be verified from an official source.

Verified July 2026 from the New Mexico Office of Superintendent of Insurance Licensing Information Bulletin (Prometric). Always confirm with the current official candidate handbook.

New Mexico Office of Superintendent of Insurance

More New Mexico Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

New Mexico 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 New Mexico 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 New Mexico

Prepare for multiple insurance licenses in New Mexico

Life Insurance

New Mexico Exam

Health Insurance

New Mexico Exam

Property & Casualty Exams in Nearby States

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

Official New Mexico Insurance Resources

Important external links for New Mexico insurance licensing information

New Mexico Office of Superintendent 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 New Mexico Property & Casualty exam preparation today.

Learn more about exam preparation:

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

New Mexico Property & Casualty Insurance Practice Exam Free - 2026

How the New Mexico Property & Casualty exam compares

Choose Your Practice Mode

New Mexico Property & Casualty Exam Topics

Free New Mexico Property & Casualty Practice Questions with Answers

Question 1: What is 'bodily injury liability'?

Question 2: What is 'property damage liability'?

Question 3: What is 'personal liability' coverage in a homeowners policy?

Question 4: What is an 'umbrella' liability policy?

Question 5: What is 'negligence'?

Question 6: What are the elements required to prove negligence?

Question 7: What does 'liability' coverage in auto insurance protect?

Question 8: What is 'collision' coverage?

Question 9: What is 'comprehensive' coverage in auto insurance?

Question 10: What is 'uninsured motorist' (UM) coverage?

Question 11: What is 'underinsured motorist' (UIM) coverage?

Question 12: What is 'medical payments' (MedPay) coverage in auto insurance?

Frequently Asked Questions

How many questions are on the New Mexico Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the New Mexico insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in New Mexico

Property & Casualty Exams in Nearby States

Official New Mexico Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state