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.

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

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 car but wants coverage for a named driver who is excluded from the policy

Owns several cars and wants one policy that names each driver rather than each vehicle

Uses a company-furnished vehicle and wants physical damage coverage on that vehicle

Liability insurance primarily protects against which type of exposure?

Legal responsibility for covered injury or damage to others

Direct physical loss to the insured's own building and contents

The insured's own medical bills after an accident, regardless of fault

Loss of the insured's income when a covered peril shuts down the business

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

Defend the insured against covered or potentially covered claims

Defend the insured once a court has first ruled that the claim is covered

Defend the insured against any lawsuit, even if the policy clearly excludes it

Pay the insured's chosen attorney's fees up to the policy's liability limit

100% Free - No Registration Required

South Carolina Property & Casualty Insurance Practice Exam Free - 2026

From Charleston to Greenville, South Carolina's growth is driving demand for licensed producers, all regulated by the South Carolina Department of Insurance. Prepare free here before you book your exam. Access 390+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The South Carolina Property & Casualty exam: 140 questions (time limit not published by the state); passing score 70 (scaled); exam fee $59; administered by Pearson VUE; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

390+ Questions

Unlimited Practice

South Carolina Specific

How the South Carolina Property & Casualty exam compares

The South Carolina Property & Casualty exam is 140 questions, a scaled passing score of 70 - combined Property & Casualty exam. The examination fee is $59 per examination.

South Carolina splits the paper: 100 questions come from the national Property & Casualty content outline and 30 are on South Carolina law - roughly 23% of the exam that no national study guide covers.

South Carolina 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 South Carolina Licensing Candidate Handbook (Pearson VUE #125000) + SC Examination Content Outlines #125010 (effective September 2, 2025 / September 15, 2026) 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 South Carolina selection

South Carolina Property & Casualty Exam Info

Vendor: Pearson VUE
Questions: Combined P&C exam: 140 total (general knowledge 100 scored + 5 pretest, plus South Carolina-specific 30 scored + 5 pretest). Separate Property (80 q) and Casualty (80 q) exams also offered; combination exams score as one and require passing the complete exam
Time limit: Not published in the current handbook
Passing: Scaled score of 70 (0-100 scale)
Exam fee: $59 per examination
Prelicensing: None listed - the handbook's licensing steps include no prelicensing education requirement, and it states 'You do not require approval from the State of South Carolina to take the examination'

Verified July 2026 from the South Carolina Licensing Candidate Handbook (Pearson VUE #125000) + SC Examination Content Outlines #125010 (effective September 2, 2025 / September 15, 2026). Always confirm with the current official candidate handbook.

South Carolina Department of Insurance

More South Carolina Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

South Carolina 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 South Carolina 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 South Carolina

Prepare for multiple insurance licenses in South Carolina

Life Insurance

South Carolina Exam

Health Insurance

South Carolina Exam

Property & Casualty Exams in Nearby States

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

North Carolina

Georgia

Official South Carolina Insurance Resources

Important external links for South Carolina insurance licensing information

South Carolina 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 South Carolina Property & Casualty exam preparation today.

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

South Carolina Property & Casualty Insurance Practice Exam Free - 2026

How the South Carolina Property & Casualty exam compares

Choose Your Practice Mode

South Carolina Property & Casualty Exam Topics

Free South Carolina Property & Casualty Practice Questions with Answers

Question 1: In personal auto insurance, bodily injury liability coverage is primarily designed to pay for what?

Question 2: Property damage liability in an auto policy most directly applies to which situation?

Question 3: Collision coverage in a personal auto policy generally covers which type of loss?

Question 4: Comprehensive coverage in a personal auto policy is commonly associated with which type of loss?

Question 5: Uninsured motorist coverage is generally intended to protect the insured when what happens?

Question 6: Underinsured motorist coverage is generally triggered when what is true?

Question 7: Medical payments coverage in an auto policy usually pays for what?

Question 8: A split liability limit of 100/300/50 commonly means what?

Question 9: Which personal auto coverage is most likely to have a deductible?

Question 10: A named non-owner auto policy is most likely used for a person who does what?

Question 11: Liability insurance primarily protects against which type of exposure?

Question 12: The duty to defend in a liability policy generally means the insurer may do what?

Frequently Asked Questions

How many questions are on the South Carolina Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the South Carolina insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in South Carolina

Property & Casualty Exams in Nearby States

Official South Carolina Insurance Resources

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Property & Casualty practice tests by state