Louisiana Property & Casualty Insurance License Practice Exam
150 scored questions (Series 106 combined). 160 minutes. 70% to pass. No pre-licensing required. Fingerprinting through IdentoGO after you apply. Minimum auto liability 15/30/25.
Louisiana Property & Casualty — Study by Topic
Drill Louisiana state law (23% of the exam) or practice general P&C concepts. 150-scored-question combined exam (Series 106), 160 minutes. Auto minimums 15/30/25 and the R.S. 32:866 no-recovery rule.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, standard fire policy, valued policy law.
Casualty & Liability
Auto (PAP, 15/30/25, UM/UIM), CGL, WC, umbrella, bonds, commercial auto, professional liability, R.S. 32:866 no-recovery rule.
Louisiana State Law
LDI, PSI exam, valued policy law, standard fire policy, wind and hail associations, Louisiana Citizens, 15/30/25 auto minimums, R.S. 32:866, 24 CE hours (3 ethics, 3 flood), two-year renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full LA P&C Exam
150-question timed practice exam modeled on the PSI Louisiana Series 106 combined Property and Casualty exam (150 scored questions, 160 minutes). 70% to pass. No pre-licensing required.
About the Louisiana Property & Casualty Insurance Exam
The Louisiana insurance producer exams are administered by PSI for the Louisiana Department of Insurance (LDI). Property and casualty can be tested separately (Series 104 Property and Series 105 Casualty, $36 each) or together on the Series 106 Property and Casualty exam ($58). Louisiana has no pre-licensing requirement for these exams; it applies only to the Public Adjuster and Bail Bond exams. First-time resident applicants are fingerprinted through IdentoGO after LDI reviews the application and a signed background check authorization. Applications are filed through NIPR.
The Series 106 exam has 150 scored questions and a 160-minute time limit, and a candidate passes with at least 70% (La. R.S. 22:1545). PSI may also add 5 to 10 unscored experimental questions, which count against your time. Louisiana Insurance Regulation is 23% of the outline, followed by property and casualty basics (15%) and homeowners policies (10%). PSI's current Series 106 outline is dated March 1, 2015.
Louisiana Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| LA — Louisiana Insurance Regulation | 23% | Licensing types and discipline, the commissioner's powers, company certificates and solvency, producer rules, unfair trade practices, insurance fraud, valued policies, guaranty associations, standard fire policy, wind and hail associations, cancellation, binders, certificates of insurance |
| Federal Regulation (outline heading: Licensing and Regulation) | 1% | Fair credit reporting, false statements, Gramm-Leach-Bliley privacy, National Flood Insurance Program, Terrorism Risk Insurance Act, Motor Carrier Act |
| General Insurance Concepts | 8% | Risk and methods of handling it, insurer classifications, contract elements, agency authority, indemnity, good faith, fraud, representations |
| Property and Casualty Insurance Basics | 15% | Insurable interest, damages, underwriting and rate development, hazards, perils, loss valuation, negligence and torts, policy structure, deductibles, other insurance, limits, coinsurance, loss settlement |
| Dwelling Policy Concepts | 4% | DP-1, DP-2, and DP-3 forms, property coverages, exclusions, conditions, endorsements |
| Homeowners Policy Concepts | 10% | HO-2, HO-3, HO-4, HO-6, and HO-8 forms, perils, property and liability coverages, exclusions, conditions, endorsements |
| Personal Automobile Policy | 7% | Definitions, conditions, Louisiana endorsements, liability, medical expenses, uninsured and underinsured motorist, physical damage |
| Commercial Automobile Policy | 6% | Definitions, provisions, endorsements, liability, physical damage, other commercial auto forms |
| Commercial Property Policies | 7% | Commercial package structure, building and business personal property, business income, cause-of-loss forms, inland marine, equipment breakdown, farm property |
| Commercial General Liability | 7% | Coverages, policy components, occurrence versus claims-made triggers, retroactive dates, extended reporting |
| Commercial Crime | 2% | Definitions, insuring agreements, coverage form types |
| Workers' Compensation Insurance | 5% | Coverages, benefit types, disability levels, FELA, Jones Act, Longshore and Harbor Workers' Compensation Act, rating |
| Other Types of Property and Casualty Insurance | 5% | Specialty liability, surety bonds, umbrella and excess, businessowners, farmowners, mobile home, flood and earthquake, Louisiana Citizens and FAIR/Coastal Plans |
Weights are from PSI's Louisiana Series 106 content outline (effective 3/1/2015); PSI publishes weights, not per-section question counts. PSI labels the second section 'Licensing and Regulation' but lists federal topics under it.
What Makes the Louisiana Property & Casualty Exam Different
Louisiana-specific property law. The 23% Louisiana Insurance Regulation section includes valued policies, guaranty associations, the standard fire policy, wind and hail associations, cancellation, binders, and certificates of insurance, plus producer rules and unfair trade practices. The outline's last section also lists Louisiana Citizens and the FAIR/Coastal Plans.
Minimum auto liability is 15/30/25. Under La. R.S. 32:900(B)(2), an owner's motor vehicle liability policy must carry at least $15,000 for bodily injury or death of one person, $30,000 for two or more persons in one accident, and $25,000 for property damage to others.
No recovery for the first $100,000. La. R.S. 32:866 provides that an owner or operator who fails to own or maintain compulsory motor vehicle liability security cannot recover the first $100,000 of bodily injury or the first $100,000 of property damage from an accident. Exceptions include a driver who flees, intentionally causes the accident, is committing a felony, or is convicted of an offense under R.S. 14:98.
Flood CE for property producers. Producers licensed for property, casualty, or personal lines complete 24 hours of CE per renewal period, including at least 3 ethics hours and 3 flood hours (LAC 37:XI, Sections 711.A, 711.B, and 711.C). Up to 10 unused hours may carry over (Section 711.J), and the license must be renewed every two years.
Personal lines are folded into P&C. Series 107 (Personal Lines, $36) is a separate exam, but NIPR notes that personal lines cannot be applied for alongside Property and Casualty because P&C already includes it.
Sample Louisiana Property & Casualty Insurance Exam Questions
1. Under La. R.S. 32:900(B)(2), what are the minimum limits required in an owner's motor vehicle liability policy?
2. Under La. R.S. 32:866, an owner or operator who fails to maintain compulsory liability security in a Louisiana accident cannot recover for the first:
3. How many flood-related continuing education hours must a Louisiana producer licensed for property, casualty, or personal lines complete each renewal period under LAC 37:XI, Section 711.C?
Study Tips for the Louisiana Property & Casualty Exam
Louisiana regulation is 23% of the Series 106 outline. It is the largest section, ahead of P&C basics (15%), so learn the Louisiana-specific topics: valued policies, standard fire policy, guaranty associations, wind and hail associations, cancellation, and binders.
Know the two auto numbers cold: 15/30/25 minimum limits (R.S. 32:900) and the $100,000 no-recovery threshold for uninsured owners and operators (R.S. 32:866). The personal auto policy (7%) and commercial auto (6%) sections add about 13% of the exam.
You need 70% of 150 scored questions, which is 105 correct. PSI may add 5 to 10 unscored experimental questions that count against your 160 minutes, so pace yourself at about one minute per question.
Licensing in a nearby state? See the Texas property and casualty practice exam or the Arkansas property and casualty practice exam. General exam help is in our insurance exam study guide.
How to Get Your Louisiana Property & Casualty Insurance License
There are four steps to get your Louisiana property and casualty insurance license.
Steps to Get Your Louisiana Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | None is required for the Property, Casualty, or Property and Casualty producer exams. Study PSI's content outline for Series 104, 105, or 106 instead. |
| 2. Apply & Fingerprint | File your application through NIPR. After LDI reviews it and your signed background check authorization, you receive instructions to be fingerprinted through IdentoGO. Do not fingerprint before receiving them. See the Louisiana Department of Insurance. |
| 3. Licensing Exam | Register with PSI online at its Louisiana page or by phone at (855) 579-4644, then pay the $58 fee for Series 106 ($36 for Series 104 or 105). You pass with at least 70%. |
| 4. Maintain Your License | Renew every two years and complete 24 hours of continuing education, including 3 ethics hours and 3 flood hours, before the renewal filing date. |
Louisiana Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| License type | Insurance producer; lines Property and Casualty |
| Pre-license education | None for these lines |
| Exam | Series 106 (combined): 150 scored questions; Series 104 Property and 105 Casualty are separate |
| Time limit | 160 minutes (Series 106); 5 to 10 unscored experimental questions may be added |
| Passing score | 70% (La. R.S. 22:1545) |
| Exam fee | $58 for Series 106; $36 for Series 104 or 105 (nonrefundable) |
| Application fee | $75 state fee for most producer lines, collected through NIPR |
| Fingerprinting | First-time resident applicants, after the application is reviewed (IdentoGO); fee not stated by LDI |
| Minimum auto liability | $15,000 / $30,000 / $25,000 (La. R.S. 32:900(B)(2)) |
| License renewal | Every two years (La. R.S. 22:1547) |
| Continuing education | 24 hours per period including 3 ethics and 3 flood; up to 10 unused hours carry over |
| Exam provider | PSI |
| Licensing authority | Louisiana Department of Insurance |
Verified against PSI's Louisiana bulletin and Series 106 outline, LDI's licensing and fingerprinting pages, La. R.S. 32:866, 22:1545, 22:1547 and 32:900, and LAC 37:XI Chapter 7. The application fee comes from NIPR's Louisiana page; confirm current fees with LDI.
Our free Louisiana property and casualty practice exam covers property, casualty, concepts, and Louisiana law. You can also try the Louisiana life and health practice exam or the insurance exam study guide.
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 — Louisiana Property & Casualty Insurance Exam
How many questions are on the Louisiana property and casualty exam?
The combined Series 106 exam has 150 scored questions and a 160-minute time limit. PSI may add 5 to 10 unscored experimental questions, which count against your time.
What is the passing score for the Louisiana P&C exam?
At least 70% (La. R.S. 22:1545). PSI's Series 106 outline also lists 70% as the minimum passing score.
Who administers the Louisiana insurance exam?
PSI is the examination vendor for the Louisiana Department of Insurance. You register at PSI's Louisiana page or by phone at (855) 579-4644, and arrive 30 minutes before your appointment.
Does Louisiana require pre-licensing for property and casualty?
No. PSI's Louisiana bulletin states there are no prelicensing requirements for the producer exams except Public Adjuster and Bail Bond.
What are Louisiana's minimum auto liability limits?
La. R.S. 32:900(B)(2) requires at least $15,000 for bodily injury or death of one person, $30,000 for two or more persons in one accident, and $25,000 for property damage.
What is Louisiana's rule for uninsured drivers after an accident?
La. R.S. 32:866 provides that an owner or operator who fails to maintain compulsory liability security has no recovery for the first $100,000 of bodily injury and the first $100,000 of property damage, subject to listed exceptions.
How much does the Louisiana P&C exam cost?
The combined Series 106 exam costs $58, and the separate Series 104 (Property) and Series 105 (Casualty) exams cost $36 each. Fees are not refundable or transferable.
What are Louisiana's continuing education requirements for P&C?
Property, casualty, and personal lines producers need 24 hours every renewal period, including at least 3 ethics hours and 3 flood hours, completed before the license expires (LAC 37:XI, Section 711).