Illinois Property & Casualty Insurance License Practice Exam
Illinois requires two separate exams to get licensed — a General exam and an Illinois State exam. Practice both right here.
Illinois Property and Casualty Exam Topics
Illinois requires passing both exams separately — practice each one here.
General Exam
National property and casualty insurance product knowledge — homeowners, auto, commercial liability, workers' comp, and general insurance terms.
Illinois State Exam
Illinois-specific statutes and regulations — Illinois Insurance Code, Illinois FAIR Plan, cancellation/nonrenewal rules, and producer licensing.
Illinois P&C — Practice by Topic
Drill individual domains from either exam before attempting the full timed versions above.
Property Insurance
Homeowners, dwelling policies, inland marine, NFIP flood — General exam content.
Casualty & Liability
CGL, umbrella, workers' comp, professional liability — General exam content.
Personal Auto
Personal Auto Policy, liability, collision, comprehensive — General exam content.
Illinois State Law
Illinois Insurance Code, FAIR Plan, cancellation/nonrenewal, fraud prevention — State exam content.
About the Illinois Property & Casualty Insurance Exam
Illinois producer exams are administered by Pearson VUE, and the Illinois Department of Insurance (IDOI) issues the producer license. Property and Casualty are separate exams, and each has its own General exam and Illinois State exam. The Property General and Casualty General exams each have 50 scored questions (75 minutes). The Property State exam has 30 scored questions (50 minutes) and the Casualty State exam has 37 (55 minutes). Each exam also has 5 unscored pretest items. Personal Lines (75 General plus 37 State) and Motor Vehicle (one 50-question exam) are separate exams.
You need a score of 70 on each exam, and you must pass the General and State exams for a line within 90 days of each other. First-time candidates must complete 20 hours of pre-licensing education per line (215 ILCS 5/500-30(b)) and show the completion certificate at the test center. Each exam is listed at $92, which includes a $50 Illinois administrative fee.
Illinois Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property General — I. Types of Policies | 22 | Homeowners HO-2 through HO-6 and HO-8, dwelling policies, commercial property, BOP, builders risk, inland marine, NFIP flood, other property coverages |
| Property General — II. Insurance Terms | 15 | Insurable interest, hazards, loss valuation, proximate cause, coinsurance, indemnity, binders, cancellation and nonrenewal |
| Property General — III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, mortgagee rights, proof of loss, appraisal, subrogation, FCRA, GLBA, TRIA |
| Casualty General — I. Types of Policies, Bonds and Terms | 23 | CGL, personal and commercial auto, workers' compensation, crime, bonds, professional liability, umbrella and excess, BOP |
| Casualty General — II. Insurance Terms | 15 | Hazards, indemnity, loss valuation, negligence, occurrence, binders, certificates of insurance, deposit premium and audit, damages |
| Casualty General — III. Policy Provisions | 12 | Declarations, exclusions, duties after loss, cancellation and nonrenewal, other insurance, subrogation, consent to settle |
| IL — Common to All Lines | 22 | Insurance Director (215 ILCS 5/401, 5/403), producer licensing, registration and continuing education (5/500-15 to 5/500-70), fiduciary responsibilities (5/500-115), commissions (5/500-80), disclosure (5/500-155), marketing practices including rebating, misrepresentation and unfair claims (5/149 to 5/154.6; Reg. 919) |
| IL — Common to P&C | 5 | Renewal, nonrenewal, cancellation and certificates (5/141.01 to 5/143.27), premium financing (5/513a), Insurance Claims Fraud Prevention Act (5/155.23), use of credit information, hate crimes (5/143.24c) |
| IL — Property Only (Property State exam) | 3 | Rejection based on location (5/155.22), Illinois FAIR Plan (5/522 to 5/525), mine subsidence (5/801.1 to 5/817.1), customer affairs and information department (5/143d) |
| IL — Casualty Only (Casualty State exam) | 10 | Auto: uninsured and underinsured motorist coverage (5/143a, 5/143a-2), Illinois Automobile Insurance Plan (625 ILCS 5/7-501), mandatory coverage (625 ILCS 5/7-601 to 5/7-610), defensive driving, antitheft, surcharges; workers' compensation assigned risk pool (5/468) |
Counts are from the Pearson VUE Illinois content outlines effective January 1, 2026 (each General exam: 50 scored plus 5 unscored pretest; Property State: 30 plus 5; Casualty State: 37 plus 5). Illinois subsections are published as ranges, so only section totals are shown. The Illinois Common section includes the Illinois Insurance Guaranty Fund (5/532, 5/533, 5/537) on the P&C outlines.
What Makes the Illinois Property & Casualty Exam Different
Two exams for every line. Illinois requires a General exam and a State exam for each line, and both must be passed within 90 days of each other. Property and Casualty are separate exams, so licensing in both means four exams. Ordering the General and State exams for the same line together earns a $92 discount from Pearson VUE.
Minimum auto liability limits. Illinois motor vehicle financial responsibility law sets minimum liability limits of $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property damage in one crash (625 ILCS 5/7-203).
Cancellation notice. For policies covered by Section 143.11, cancellation notices must be mailed at least 30 days before the effective date during the first 60 days of coverage, at least 60 days after coverage has been in effect 61 days or more, and at least 10 days for nonpayment of premium (215 ILCS 5/143.16). The notice must give a specific reason.
Illinois-only property and auto topics. The Pearson VUE outline lists the Illinois FAIR Plan (215 ILCS 5/522 to 5/525), mine subsidence insurance (5/801.1 to 5/817.1), the Illinois Automobile Insurance Plan (625 ILCS 5/7-501), uninsured and underinsured motorist coverage (5/143a and 5/143a-2), and the workers' compensation assigned risk pool (5/468).
Certificate and retake rules. First-time candidates must show an IDOI pre-licensing completion certificate, valid for one year from course completion. Retake candidates do not need to present it again.
Two-year license. An Illinois producer license is issued for two years and expires on the last day of your birth month. A lapsed license may be reissued within 12 months without retaking the exam (215 ILCS 5/500-35).
Sample Illinois Property & Casualty Insurance Exam Questions
1. What are the minimum liability insurance limits under Illinois motor vehicle financial responsibility law, expressed as bodily injury per person, bodily injury per crash, and property damage?
2. An Illinois insurer cancels a policy to which Section 143.11 applies, for a reason other than nonpayment. The coverage has been in effect for 90 days. What is the minimum mailed notice?
3. How many hours of pre-licensing education does the Illinois Insurance Code require for a Casualty producer license, and how many must be completed in a classroom or webinar setting?
Study Tips for the Illinois Property & Casualty Exam
Illinois splits each line into two exams, so plan two sittings. For Property the State exam is 30 of 80 scored questions (about 38%), and for Casualty it is 37 of 87 (about 43%), so Illinois law is a large share of your score.
The 22-question Common to All Lines section is on every State exam, and the 5-question Common to P&C section adds cancellation, nonrenewal and claims-fraud rules. The Casualty State exam adds up to 10 questions on auto, and the outline's auto topics (uninsured motorist coverage, the Illinois Automobile Insurance Plan, mandatory coverage) are specific to Illinois.
Studying for the other Illinois line? Try the Illinois Life & Health practice exam.
How to Get Your Illinois Property & Casualty Insurance License
There are four steps to get your Illinois producer license in the Property and Casualty lines.
Steps to Get Your Illinois Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours of pre-licensing education per line of authority from a certified provider; at least 7.5 of those hours must be in a classroom or webinar setting. Your completion certificate is valid for one year. |
| 2. General and State Exams | Reserve the General exam and the State exam for each line with Pearson VUE ($92 each, with a $92 discount when the pair is ordered together). Bring your certificate to the test center. You need 70 on each exam, and both must be passed within 90 days of each other. |
| 3. Apply for Your License | Apply through NIPR on the IDOI producer licensing page at least five days after passing. Answer the background questions carefully: IDOI treats an incorrect answer as a misstatement. |
| 4. Renew and Keep Current | The license is issued for two years and expires on the last day of your birth month. Complete 24 hours of course study per renewal, 3 of them classroom or webinar ethics. |
Illinois Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty (each has its own General and State exam); Personal Lines and Motor Vehicle are separate |
| Pre-license education | 20 hours per line; 7.5 hours in a classroom or webinar setting (Motor Vehicle: 12.5 hours, 5 classroom or webinar) |
| Exams (Property) | General: 50 scored + 5 pretest, 75 minutes; State: 30 scored + 5 pretest, 50 minutes |
| Exams (Casualty) | General: 50 scored + 5 pretest, 75 minutes; State: 37 scored + 5 pretest, 55 minutes |
| Passing score | 70 on each exam (scale of 0 to 100, not a percent of questions) |
| Pass window | General and State exams for a line within 90 days of each other |
| Exam fee | $92 per exam, including a $50 Illinois administrative fee; $92 discount when a line's pair is ordered together |
| Auto minimum liability | $25,000 per person / $50,000 per crash / $20,000 property damage |
| Application | Online through NIPR, at least five days after passing |
| License term | Two years; expires on the last day of your birth month |
| Continuing education | 24 hours per renewal, 3 of them classroom or webinar ethics |
| Exam provider | Pearson VUE |
| Licensing authority | Illinois Department of Insurance |
Verified against the IDOI producer licensing and renewal pages, the Pearson VUE Illinois candidate handbook and content outlines, and the Illinois Compiled Statutes. Confirm current fees with Pearson VUE and IDOI before you apply.
Our free Illinois Property & Casualty practice exam covers the General and State exam content. You can also try the Illinois Life & Health practice exam.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Illinois Property & Casualty Insurance Exam
How many questions are on the Illinois Property and Casualty exams?
Illinois uses two exams per line. Property General and Casualty General each have 50 scored questions plus 5 unscored pretest (75 minutes). Property State has 30 scored plus 5 pretest (50 minutes), and Casualty State has 37 scored plus 5 pretest (55 minutes).
What is the passing score for the Illinois insurance exam?
The passing score is 70 on each exam. Scores run from 0 to 100 and are not the percentage of questions answered correctly, per the Pearson VUE handbook.
Is there a combined Property and Casualty exam in Illinois?
No. Pearson VUE lists separate General and State exams for Property and for Casualty, and no combined exam. Personal Lines and Motor Vehicle are separate exams.
How many pre-licensing hours does Illinois require?
Illinois requires 20 hours per line of authority, with at least 7.5 hours in a classroom or webinar setting (215 ILCS 5/500-30(b)). Motor Vehicle is 12.5 hours.
What are Illinois' minimum auto liability limits?
$25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $20,000 for property damage in one crash (625 ILCS 5/7-203).
How much does the Illinois insurance exam cost?
Pearson VUE lists $92 per exam, which includes a $50 Illinois administrative fee. A $92 discount applies when the General and State exams for the same line are ordered together.
How long is my Illinois pre-licensing certificate valid?
The Pearson VUE handbook says certificates are valid for one year from course completion, and you must test within that year.
How often does an Illinois producer license renew?
The license is issued for two years and expires on the last day of your birth month. Renewal requires 24 hours of course study, 3 of them classroom or webinar ethics.