Louisiana Property & Casualty Insurance License Practice Exam
150 questions (Series 106 combined). 3 hours. 70% to pass. No pre-licensing required. IdentoGO fingerprinting ($39.25 at PSI site). Citizens insurer. 15/30/25 auto.
Louisiana Property & Casualty — Study by Topic
Drill Louisiana state law (~30% of exam) or practice general P&C concepts. 150-question combined exam (Series 106), 3 hours. Citizens. Hurricane deductibles. No Pay No Play. 15/30/25.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, hurricane deductibles.
Casualty & Liability
Auto (PAP, 15/30/25, UM/UIM), CGL, WC, umbrella, bonds, commercial auto, professional liability, comparative fault, No Pay No Play law.
Louisiana State Law
LDI, elected Commissioner, Citizens Property Insurance Corp, No Pay No Play, hurricane deductibles, LAIP residual market, 15/30/25 auto, at-fault, comparative fault, 24 CE hrs, 90-day CE deadline.
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 exam simulating the PSI Louisiana Series 106 combined P&C exam. 3 hours. 70% to pass. Citizens. Hurricane deductibles. No Pay No Play. 15/30/25 auto minimums.
About the Louisiana Property & Casualty Insurance License Exam
To get your Louisiana Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $53 combined. Louisiana is regulated by the Louisiana Department of Insurance (LDI) under Louisiana Revised Statutes Title 22. Visit ldi.la.gov for official licensing information. Commissioner ELECTED; PSI in-person only since July 2024; IdentoGO at PSI on exam day; 25/50/25 auto; pure comparative fault (no recovery bar regardless of fault — unique); LA Citizens Insurance (wind/hail insurer of last resort); active hurricane/flood market.
Pre-licensing education in Louisiana: None required. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $75/line biennial. CE must be completed before submitting your Louisiana renewal application. How to get licensed in Louisiana: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Louisiana producer license.
How to get a Louisiana Property & Casualty insurance license in 2026: The Louisiana Department of Insurance (LDI) (ldi.la.gov) administers all producer licensing in Louisiana. Exam: PSI Services LLC, $53 combined, 70%. Pre-licensing: None required. Once licensed, maintain your Louisiana Property & Casualty license by completing 24 hours + 3 ethics biennial and paying the $75/line biennial renewal. For questions contact the Louisiana Department of Insurance (LDI).
LDI (ldi.la.gov). LRS Title 22. Commissioner ELECTED. Pure comparative fault (no 50% bar — unique vs. most portfolio states). 25/50/25 auto. LA Citizens Insurance (wind/hail). Active NFIP market. IdentoGO at PSI on exam day.
Frequently Asked Questions — Louisiana Property & Casualty Exam
How do I get a Louisiana Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Louisiana: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($53 combined, 70%); (4) Apply for your Louisiana producer license. The Louisiana Department of Insurance (LDI) (ldi.la.gov) oversees all insurance producer licensing in Louisiana.
What exam does Louisiana use for Property & Casualty insurance licensing?
Louisiana uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $53 combined. Passing score: 70%. Commissioner ELECTED; PSI in-person only since July 2024; IdentoGO at PSI on exam day; 25/50/25 auto; pure comparative fault (no recovery bar regardless of fault — unique); LA Citizens Insurance (wind/hail insurer of last resort); active hurricane/flood market.
Does Louisiana require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit ldi.la.gov.
What are Louisiana's CE requirements for Property & Casualty producers?
Louisiana requires: 24 hours + 3 ethics biennial. Renewal fee: $75/line biennial. CE must be completed before submitting the renewal application. Contact the Louisiana Department of Insurance (LDI) at ldi.la.gov for CE provider information.
What makes Louisiana unique for Property & Casualty insurance licensing?
Commissioner ELECTED; PSI in-person only since July 2024; IdentoGO at PSI on exam day; 25/50/25 auto; pure comparative fault (no recovery bar regardless of fault — unique); LA Citizens Insurance (wind/hail insurer of last resort); active hurricane/flood market.
Practice Exam Questions — Louisiana Property & Casualty
5 state-specific questions drawn from the Louisiana exam content outline. Correct answer highlighted in green.
Louisiana auto insurance minimums are:
- 15/30/10
- 25/50/25 — at-fault but using pure comparative fault (Civil Law — no 50% bar); UM/UIM mandatory
- 25/50/10
- 30/60/25
Louisiana Citizens Property Insurance Corporation is:
- A private insurer specializing in Louisiana flood risks
- The state-run insurer of last resort for Louisiana property owners who cannot obtain wind/hail coverage; primarily covers coastal Gulf Coast areas; provides homeowners and commercial coverage
- A federal FEMA affiliate
- A voluntary industry pool for hurricane losses
Louisiana's pure comparative fault system (Civil Law) means:
- Plaintiffs more than 50% at fault cannot recover
- Any plaintiff may recover proportionate to their non-fault percentage — even 99% at-fault plaintiff can recover 1%; no recovery bar; unique as a Civil Law state
- Plaintiffs must prove defendant is 100% at fault
- Pure comparative fault means the defendant is always 100% liable
Louisiana's ELECTED Commissioner means:
- The Commissioner serves a lifetime term
- The Commissioner is accountable to Louisiana voters, serves a 4-year elected term; unique in the portfolio with Oklahoma and Nevada
- The Commissioner can set rates without legislative approval
- The Commissioner reports exclusively to the Legislature
Louisiana discontinued PSI Bridge in July 2024, meaning:
- Candidates may still use PSI Bridge for retakes only
- All Louisiana insurance licensing exams are now in-person only at Louisiana PSI test centers; no PSI Bridge or remote option; IdentoGO fingerprinting at PSI site on exam day
- Online exams are available via an alternative platform
- Only L&H discontinued online; P&C remains online