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.
Choose Your Exam
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 — Study 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
To get your Illinois Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $60–$80. Illinois is regulated by the Illinois Department of Insurance (IDOI) under Illinois Insurance Code (215 ILCS 5). Visit insurance.illinois.gov for official licensing information. IDOI Director appointed (not Commissioner); 25/50/20 auto minimums; Illinois FAIR Plan; WC competitive market (major industry); PSI Bridge available; 215 ILCS 5 Insurance Code; large commercial P&C market in Chicago.
Pre-licensing education in Illinois: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Illinois renewal application. How to get licensed in Illinois: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Illinois producer license.
How to get a Illinois Property & Casualty insurance license in 2026: The Illinois Department of Insurance (IDOI) (insurance.illinois.gov) administers all producer licensing in Illinois. Exam: PSI Services LLC, $60–$80, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Illinois Property & Casualty license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Illinois Department of Insurance (IDOI).
IDOI (insurance.illinois.gov). 215 ILCS 5. Director (not Commissioner). 25/50/20 auto minimums. IL FAIR Plan. WC competitive market. PSI Bridge available. Large Chicago commercial market.
Frequently Asked Questions — Illinois P&C Insurance Exam
How do I get a Illinois Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Illinois: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($60–$80, 70%); (4) Apply for your Illinois producer license. The Illinois Department of Insurance (IDOI) (insurance.illinois.gov) oversees all insurance producer licensing in Illinois.
What exam does Illinois use for Property & Casualty insurance licensing?
Illinois uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $60–$80. Passing score: 70%. IDOI Director appointed (not Commissioner); 25/50/20 auto minimums; Illinois FAIR Plan; WC competitive market (major industry); PSI Bridge available; 215 ILCS 5 Insurance Code; large commercial P&C market in Chicago.
Does Illinois require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.illinois.gov.
What are Illinois's CE requirements for Property & Casualty producers?
Illinois requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Illinois Department of Insurance (IDOI) at insurance.illinois.gov for CE provider information.
What makes Illinois unique for Property & Casualty insurance licensing?
IDOI Director appointed (not Commissioner); 25/50/20 auto minimums; Illinois FAIR Plan; WC competitive market (major industry); PSI Bridge available; 215 ILCS 5 Insurance Code; large commercial P&C market in Chicago.
Practice Exam Questions — Illinois Property & Casualty
5 state-specific questions drawn from the Illinois exam content outline. Correct answer highlighted in green.
Illinois auto insurance minimums are:
- 15/30/10
- 25/50/20 — at-fault state; modified comparative negligence; UM/UIM must be offered
- 25/50/25
- 30/60/25
Workers' Compensation in Illinois is:
- Monopolistic — all WC through the Illinois Workers' Compensation Commission fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; Illinois Workers' Compensation Commission (IWCC) administers claims; private carriers write all policies
- Optional for employers with fewer than 5 employees
- Administered through the Illinois Department of Commerce
Illinois uses 'Director' rather than 'Commissioner' because:
- It's an elected position in Illinois
- The Director of Insurance is appointed by the Governor — Illinois uses 'Director' for the head of IDOI; one of the few portfolio states that doesn't use 'Commissioner'
- The Legislature selects a Director by committee
- Federal law requires Illinois to use 'Director'
The Illinois P&C Guaranty Fund is:
- The same fund as the L&H Guaranty Association
- 215 ILCS 5/537.01 et seq. — the Illinois Insurance Guaranty Fund; protects P&C policyholders when an admitted P&C member insurer becomes insolvent; surplus lines NOT covered
- 215 ILCS 5/531.01 (this is the L&H Guaranty Association)
- A federal program administered through NAIC
Illinois's primary P&C statute is:
- 215 ILCS 5 — the Illinois Insurance Code; IDOI administers; Director appointed; insurance.illinois.gov
- Illinois Revised Statutes Title 20
- 215 ILCS 105 — the Illinois Vehicle Code
- Illinois Administrative Code Title 50, Chapter 1