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.

PennDOT determines that a Pennsylvania registrant let his auto insurance lapse while the vehicle remained registered. What suspension does the MVFRL impose?

Registration and operating privilege suspended for three months

Registration suspended for six months

Operating privilege suspended for one year

No suspension; only a $300 fine

Under the Pennsylvania Workers' Compensation Act, an employee who is totally disabled by a work injury receives weekly compensation equal to what share of wages, beginning after which day of disability?

66 2/3 percent, after the seventh day

60 percent, after the third day

75 percent, after the seventh day

80 percent, after the fourteenth day

Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

An employee is injured while performing job duties

A visitor's property is damaged by negligence

A product injures a buyer after sale

Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

The personal auto exclusion only

Workers compensation insurance is designed mainly to cover what?

Job-related employee injuries or occupational disease benefits required by law

Lawsuits by customers injured on the employer's premises or by its products

Employee injuries that occur off the job, such as at home or on vacation

Employer's defense costs for wrongful termination and discrimination suits

Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Certain lawsuits by employees or related parties not fully covered by workers compensation benefits

The statutory medical and wage benefits owed to injured employees under workers compensation law

Lawsuits by customers or other members of the public who are injured by the employer's operations

Claims that the employer wrongfully terminated, harassed, or discriminated against an employee

A key feature of workers compensation is that benefits are generally provided based on what principle?

No-fault benefits for covered work-related injuries

Benefits paid after the employee proves the employer was negligent

Benefits reduced by the employee's own percentage of fault

Benefits paid as damages awarded by a court against the employer

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

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Pennsylvania Property & Casualty Insurance Practice Exam Free - 2026

From Philadelphia to Pittsburgh, the Pennsylvania Insurance Department runs one of the nation's largest licensing operations. Take free mock exams here until your practice scores clear the bar comfortably. Access 348+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Pennsylvania Property & Casualty exam: 150 questions in 170 minutes; passing score 70%; exam fee $55; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

348+ Questions

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Pennsylvania Specific

How the Pennsylvania Property & Casualty exam compares

The Pennsylvania Property & Casualty exam is 150 questions, 170 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $55.00 combined.

Pennsylvania requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

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 Pennsylvania Insurance Department Licensing Examination Candidate Information Booklet (PSI) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Pennsylvania Property & Casualty Exam Info

Vendor: PSI
Questions: Property and Casualty combined, Series 16-06: 150 items, 170 minutes; separate Property and Allied Lines (16-04) and Casualty and Allied Lines (16-05) exams at $45 each are also offered
Time limit: 170 minutes
Passing: Minimum score of 70%
Exam fee: $55.00 combined; $45.00 single-line
Prelicensing: None listed. The booklet's licensure requirements are: pass the exam(s) and apply via Sircon/NIPR; no prelicensing education requirement appears (24 hours cited in the booklet is biennial continuing education, not prelicensing).

Verified July 2026 from the Pennsylvania Insurance Department Licensing Examination Candidate Information Booklet (PSI). Always confirm with the current official candidate handbook.

Pennsylvania Insurance Department

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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.

Pennsylvania 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 Pennsylvania 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 Pennsylvania

Prepare for multiple insurance licenses in Pennsylvania

Life Insurance

Pennsylvania Exam

Health Insurance

Pennsylvania Exam

Property & Casualty Exams in Nearby States

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

Official Pennsylvania Insurance Resources

Important external links for Pennsylvania insurance licensing information

Pennsylvania Insurance Department

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

Pennsylvania Property & Casualty Insurance Practice Exam Free - 2026

How the Pennsylvania Property & Casualty exam compares

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Pennsylvania Property & Casualty Exam Topics

Free Pennsylvania Property & Casualty Practice Questions with Answers

Question 1: PennDOT determines that a Pennsylvania registrant let his auto insurance lapse while the vehicle remained registered. What suspension does the MVFRL impose?

Question 2: Under the Pennsylvania Workers' Compensation Act, an employee who is totally disabled by a work injury receives weekly compensation equal to what share of wages, beginning after which day of disability?

Question 3: A Pennsylvania property and casualty insurer decides to terminate its contract with an independent agent. Under Act 143, how much advance written notice must it give the agent and the Insurance Commissioner?

Question 4: A Pennsylvania insurer receives a properly executed proof of loss from a first-party claimant. Under the Unfair Claims Settlement Practices regulation, within how many working days must it tell the claimant whether the claim is accepted or denied?

Question 5: Which claim is most likely excluded by a standard CGL policy and handled by workers compensation instead?

Question 6: Which CGL exclusion is designed to prevent the policy from becoming a warranty for the insured's own faulty work?

Question 7: Workers compensation insurance is designed mainly to cover what?

Question 8: Employer's liability coverage in a workers compensation policy generally protects the employer against what?

Question 9: A key feature of workers compensation is that benefits are generally provided based on what principle?

Question 10: Which item is commonly used in workers compensation rating?

Question 11: An experience modification factor in workers compensation is used to reflect what?

Question 12: Which benefit is commonly included in workers compensation systems?

Frequently Asked Questions

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

Are these practice tests really free?

How accurate are these practice questions?

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

Can I take the practice test on my phone?

Other Insurance Exams in Pennsylvania

Property & Casualty Exams in Nearby States

Official Pennsylvania Insurance Resources

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Property & Casualty practice tests by state