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.

How many questions are included in the practice tests?

We offer over 630 practice questions - 180 for Life, 180 for Health, and 270 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.

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

Damage from theft, fire, vandalism, or falling objects

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

An at-fault driver has no applicable liability insurance

The insured drives without a license

The insured wants to insure a boat trailer

The insured misses a premium payment

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 insured has no auto insurance at all

The insured wants to insure commercial cargo

The vehicle is damaged by hail only

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

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

Damage to the other driver's car only

The insured's legal defense costs only

Lost business income after a fire

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 deductible, $300 premium, $50 fee

100 days of coverage, 300 miles, 50 claims

$100,000 property damage, $300,000 collision, $50,000 comprehensive

Which personal auto coverage is most likely to have a deductible?

Uninsured motorist bodily injury

A named non-owner auto policy is most likely used for a person who does what?

Does not own a car but needs personal auto liability coverage when driving non-owned autos

Owns a fleet of commercial trucks

Needs workers compensation coverage

Liability insurance primarily protects against which type of exposure?

Legal responsibility for covered injury or damage to others

The insured's own property wearing out

The duty to defend in a liability policy generally means the insurer may do what?

Defend the insured against covered or potentially covered claims

Guarantee the insured will win the lawsuit

Pay every claim without investigation

Cancel the policy after every lawsuit

Which element is typically required to establish negligence?

A written insurance application

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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 270+ free Property & Casualty questions with detailed explanations.

270+ Questions

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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

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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

P&C Insurance Basics

Property Insurance

Liability Insurance

Auto Insurance

Homeowners Insurance

Commercial Insurance

Claims Process

Ethics & Regulations

Free New Mexico Property & Casualty Practice Questions with Answers

12 sample questions from the 270-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.

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New Mexico Property & Casualty Insurance Practice Exam Free - 2026

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New Mexico Property & Casualty Exam Topics

Free New Mexico Property & Casualty Practice Questions with Answers

Question 1: Comprehensive coverage in a personal auto policy is commonly associated with which type of loss?

Question 2: Uninsured motorist coverage is generally intended to protect the insured when what happens?

Question 3: Underinsured motorist coverage is generally triggered when what is true?

Question 4: Medical payments coverage in an auto policy usually pays for what?

Question 5: A split liability limit of 100/300/50 commonly means what?

Question 6: Which personal auto coverage is most likely to have a deductible?

Question 7: A named non-owner auto policy is most likely used for a person who does what?

Question 8: Liability insurance primarily protects against which type of exposure?

Question 9: The duty to defend in a liability policy generally means the insurer may do what?

Question 10: Which term refers to an unbroken chain of events between negligence and injury?

Question 11: Which element is typically required to establish negligence?

Question 12: Which type of damages is intended to compensate an injured party for actual loss?

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

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Property & Casualty practice tests by state