Indiana Property & Casualty Insurance License Practice Exam
135 scored questions (100 national + 35 Indiana), 70% to pass. 40 hours of pre-licensing education required for personal and commercial P&C. Apply through Sircon or NIPR ($40 application fee). Auto minimums 25/50/25.
Indiana Property & Casualty — Study by Topic
Drill Indiana state law (~35 scored Qs, ~26% of exam) or practice national P&C concepts. Full 135-question timed exam available.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance.
Casualty & Liability
Auto, CGL, WC, umbrella, bonds, commercial auto BAP symbols, professional liability, products/completed ops.
Indiana State Law
IDOI, Indiana Code Title 27, producer licensing, six-month course certificate, auto 25/50/25, personal and commercial lines regulations, workers' compensation, surplus lines, 24 CE hours.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full IN P&C Exam
135-question timed practice exam modeled on the Pearson VUE Indiana P&C exam. 3 hours, 70% to pass. Auto 25/50/25 minimums.
About the Indiana Property & Casualty Insurance Exam
The Indiana Property & Casualty producer exam is administered by Pearson VUE for the Indiana Department of Insurance (IDOI), which issues the license. The exam has 135 scored questions (100 general knowledge plus 35 Indiana-specific) and 15 unscored pretest questions, for 150 questions in 180 minutes. You need 70% to pass. A separate, shorter Personal Lines exam is also offered.
Indiana requires a pre-licensing course and an IDOI-recognized completion certificate before you can sit for the exam: 40 hours for Personal and Commercial P&C, or 20 hours for Personal Lines P&C. The certificate is valid for six months. The exam fee is $69, paid to Pearson VUE at reservation, and the application fee is $40 plus an online processing fee. Indiana producer licenses run two years and expire on the last day of your birth month.
Indiana Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Property: Types of Policies | 22 | Homeowners, dwelling, commercial property, inland marine, NFIP flood, other property coverages |
| Property: Insurance Terms and Related Concepts | 15 | Insurable interest, hazards, loss valuation, coinsurance, indemnity, binders, cancellation and nonrenewal |
| Property: Policy Provisions and Contract Law | 13 | Declarations, conditions, exclusions, mortgagee rights, proof of loss, subrogation, contract law |
| Casualty: Types of Policies, Bonds and Related Terms | 23 | CGL, auto, workers' compensation, crime, bonds, professional liability, umbrella and excess |
| Casualty: Insurance Terms and Related Concepts | 15 | Hazards, indemnity, negligence, occurrence, binders, certificates of insurance, deposit premium and audit |
| Casualty: Policy Provisions | 12 | Declarations, exclusions, duties after loss, cancellation and nonrenewal, subrogation, consent to settle |
| IN — Indiana Laws and Department Rules Common to All Lines | 23 | Department of Insurance, producer licensing and compliance, unfair claims settlement practices, surplus lines producer licensing |
| IN — Surplus Lines Common to Personal and Commercial | 2 | Surplus lines placement and producer rules |
| IN — Personal Lines Regulations | 5 | Auto claims, automobile insurance, other P&C laws |
| IN — Commercial Lines Regulations | 5 | Indiana workers' compensation, other P&C laws |
Counts are from the Pearson VUE Indiana content outline for the Property and Casualty exam (100 general knowledge plus 35 Indiana-specific scored questions; 10 plus 5 unscored pretest). The outline lists the six general knowledge sections without Property and Casualty headings.
What Makes the Indiana Property & Casualty Exam Different
Pre-licensing hours depend on the license. Personal Lines P&C requires 20 hours, and Personal and Commercial P&C requires 40 hours. You need an IDOI-recognized completion certificate, valid for six months, to sit for the exam. Taking the wrong exam means retaking the correct one before a license is issued.
Minimum auto liability limits. Indiana's financial responsibility minimums are $25,000 for injury or death of one person, $50,000 for two or more people in one accident, and $25,000 for property damage for accidents from July 1, 2018 (Indiana Code 9-25-4-5).
Unfair claim settlement practices. The Indiana unfair claim settlement practices statute covers misrepresenting policy provisions, failing to acknowledge claim communications, refusing to pay without a reasonable investigation, failing to affirm or deny coverage within a reasonable time, and failing to explain a denial promptly (Indiana Code 27-4-1-4.5).
Personal vs. commercial regulations. The Indiana portion splits personal lines (auto claims, automobile insurance, other P&C laws) from commercial lines (Indiana workers' compensation), and counts surplus lines producer licensing in the all-lines section.
Retakes and scheduling. You must reserve at least 24 hours before the exam, and you must wait 48 hours before retaking. Retake reservations cannot be made at the test center.
Continuing education. Resident producers need 24 hours every two years. The 3 ethics hours apply only if you also hold Life or Accident & Health, so a P&C-only producer completes 24 hours without a separate ethics requirement. Up to 12 hours can be carried over, but ethics and long-term care courses cannot.
Sample Indiana Property & Casualty Insurance Exam Questions
1. What are the minimum financial responsibility limits for an Indiana motor vehicle owner for accidents occurring on or after July 1, 2018?
2. Which of the following is an unfair claim settlement practice under Indiana Code 27-4-1-4.5?
3. An Indiana applicant wants a producer license covering both personal and commercial property and casualty lines. How many hours of pre-licensing education does the Indiana Department of Insurance list for that license?
Study Tips for the Indiana Property & Casualty Exam
Indiana content is 35 of the 135 scored questions (about 26%). Of those, 23 cover laws common to all lines, so licensing, producer duties, unfair claims practices and surplus lines licensing deserve as much attention as auto and workers' compensation (5 questions each). The two largest general knowledge sections are Casualty types of policies (23) and Property types of policies (22).
70% of 135 scored questions is about 95 correct answers, and pretest questions are mixed in without being identified. If you fail, IDOI requires a 48-hour wait before you can retake the exam. Your course certificate keeps counting for the six-month window, so book the retake soon.
Studying for the other Indiana line? Try the Indiana Life & Health practice exam.
How to Get Your Indiana Property & Casualty Insurance License
There are four steps to get your Indiana producer license in the Property and Casualty lines.
Steps to Get Your Indiana Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 40 hours of pre-licensing education for Personal and Commercial P&C (20 hours for Personal Lines P&C only) from an IDOI-approved provider, and keep the completion certificate. It is valid for six months. A waiver is available for certain designations or an insurance degree. |
| 2. Licensing Exam | Reserve the exam with Pearson VUE at least 24 hours ahead ($69, paid at reservation). The Property & Casualty exam is 150 questions in 180 minutes, and the passing score is 70%. Bring your certificate and a government-issued photo ID. |
| 3. Apply for Your License | Apply through Sircon or NIPR on the IDOI resident licensing page ($40 application fee plus an online processing fee). Applicants must be at least 18, keep their principal residence or business in Indiana, and submit proof of citizenship or lawful work authorization. |
| 4. Renew and Keep Current | Renew every two years by the last day of your birth month ($40) with 24 hours of CE. |
Indiana Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (Indiana Code 27-1-15.6-6(b)) |
| Pre-license education | 40 hours for Personal and Commercial P&C; 20 hours for Personal Lines P&C; certificate valid six months |
| Exam | 135 scored + 15 unscored pretest questions (150 total): 100 general knowledge, 35 Indiana |
| Time limit | 180 minutes (3 hours) |
| Passing score | 70% |
| Exam fee | $69, paid to Pearson VUE at reservation |
| Application fee | $40, nonrefundable, plus an online processing fee |
| Auto minimum liability | $25,000 per person / $50,000 per accident / $25,000 property damage |
| Retake wait | 48 hours |
| License term | Two years; expires on the last day of your birth month |
| Renewal fee | $40 (resident producer) |
| Continuing education | 24 hours every two years; up to 12 hours carryover (not ethics or LTC) |
| Exam provider | Pearson VUE |
| Licensing authority | Indiana Department of Insurance |
Verified against IDOI licensing, renewal and continuing education pages, the Pearson VUE Indiana candidate handbook and content outlines, and the Indiana Code. Confirm current fees with Pearson VUE and IDOI before you apply.
Our free Indiana Property & Casualty practice exam covers national property and casualty content plus Indiana law. You can also try the Indiana 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 — Indiana Property & Casualty Insurance Exam
How many questions are on the Indiana Property & Casualty exam?
The Property and Casualty producer exam has 135 scored questions (100 general knowledge and 35 Indiana-specific) plus 15 unscored pretest questions, for 150 questions in 180 minutes.
What is the passing score for the Indiana insurance exam?
The passing score is 70% on all IDOI producer exams, set by IDOI with Pearson VUE and industry subject matter experts.
How many pre-licensing hours does Indiana require for Property & Casualty?
IDOI lists 40 hours for Personal and Commercial P&C and 20 hours for Personal Lines P&C. You need an IDOI-recognized completion certificate, valid for six months, to take the exam.
What are Indiana's minimum auto liability limits?
$25,000 for injury or death of one person, $50,000 for two or more people in one accident, and $25,000 for property damage for accidents on or after July 1, 2018 (Indiana Code 9-25-4-5).
How much does the Indiana insurance exam and license cost?
The exam fee is $69, paid to Pearson VUE. The application fee is $40 plus an online processing fee, and a resident producer renewal is $40.
How long must I wait to retake the Indiana exam?
You must wait 48 hours, and retake reservations must be made online or by phone, not at the test center.
How much CE does Indiana require?
Resident producers complete 24 hours every two years. The 3 ethics hours apply only if you hold Life or Accident & Health, and up to 12 hours can be carried over, except ethics and long-term care courses.