New Jersey Property & Casualty Insurance License Practice Exam
NJ offers separate exams: 79 questions for Property and 91 for Casualty — each 3.5 hours with a 70% passing score. Includes the Phase 2 auto minimum limits (35/70/25, effective Jan 1, 2026).
NJ Property & Casualty — Study by Topic
NJ has separate Property and Casualty exams. Drill individual domains or take a full simulated exam for either line.
Life Insurance
Term, whole life, universal life, annuities, riders, policy provisions, nonforfeiture, beneficiaries, underwriting.
Accident & Health
Individual and group health, disability income, LTC, managed care, Medicare, COBRA, ACA, NJ SEHBP.
NJ State Law
Commissioner of DOBI, N.J.S.A. Title 17, producer licensing, unfair practices, guaranty association, fraud, privacy.
Full NJ Life Exam
83-question timed exam simulating the real PSI Life Producer test. 3 hrs 30 min. 70% to pass.
🌟 Full NJ A&H Exam
88-question timed exam simulating the real PSI Accident & Health Producer test. 3 hrs 30 min. 70% to pass.
About the New Jersey Property & Casualty Insurance Exams
To get your New Jersey 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–$79. New Jersey is regulated by the New Jersey Department of Banking and Insurance (NJDOBI) under New Jersey Insurance Laws Title 17. Visit www.state.nj.us/dobi for official licensing information. No-fault auto with $250,000 mandatory PIP; verbal threshold or zero threshold options; 15/30/5 auto minimums (very low PD); New Jersey CURE and AMICA as competitive carriers; NJM Insurance Group (formerly NJ Manufacturers); JUA/PAIP assigned risk; Commissioner appointed.
Pre-licensing education in New Jersey: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your New Jersey renewal application. How to get licensed in New Jersey: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for New Jersey producer license.
How to get a New Jersey Property & Casualty insurance license in 2026: The New Jersey Department of Banking and Insurance (NJDOBI) (www.state.nj.us/dobi) administers all producer licensing in New Jersey. Exam: PSI Services LLC, $53–$79, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your New Jersey Property & Casualty license by completing 24 hours biennial and paying the biennial renewal. For questions contact the New Jersey Department of Banking and Insurance (NJDOBI).
NJDOBI. Title 17. 15/30/5 auto minimums (very low PD = $5,000). Mandatory PIP $250,000 (or lower tiers). Verbal/Zero threshold tort options. JUA/PAIP assigned risk. NJM Insurance Group. Commissioner appointed.
Frequently Asked Questions — NJ Life & Health Insurance Exam
How do I get a New Jersey Property & Casualty insurance license?
To become a licensed Property & Casualty producer in New Jersey: (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 ($53–$79, 70%); (4) Apply for your New Jersey producer license. The New Jersey Department of Banking and Insurance (NJDOBI) (www.state.nj.us/dobi) oversees all insurance producer licensing in New Jersey.
What exam does New Jersey use for Property & Casualty insurance licensing?
New Jersey uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $53–$79. Passing score: 70%. No-fault auto with $250,000 mandatory PIP; verbal threshold or zero threshold options; 15/30/5 auto minimums (very low PD); New Jersey CURE and AMICA as competitive carriers; NJM Insurance Group (formerly NJ Manufacturers); JUA/PAIP assigned risk; Commissioner appointed.
Does New Jersey require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit www.state.nj.us/dobi.
What are New Jersey's CE requirements for Property & Casualty producers?
New Jersey requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the New Jersey Department of Banking and Insurance (NJDOBI) at www.state.nj.us/dobi for CE provider information.
What makes New Jersey unique for Property & Casualty insurance licensing?
No-fault auto with $250,000 mandatory PIP; verbal threshold or zero threshold options; 15/30/5 auto minimums (very low PD); New Jersey CURE and AMICA as competitive carriers; NJM Insurance Group (formerly NJ Manufacturers); JUA/PAIP assigned risk; Commissioner appointed.
Practice Exam Questions — New Jersey Property & Casualty
5 state-specific questions drawn from the New Jersey exam content outline. Correct answer highlighted in green.
New Jersey auto minimums are:
- 25/50/25
- 25/50/10
- 15/30/5 — $15,000 per person, $30,000 per accident, $5,000 PD; mandatory PIP $250,000 default (highest portfolio); no-fault state with Verbal Threshold or Zero Threshold tort options
- 50/100/50
New Jersey's JUA/PAIP provides:
- Flood coverage for NJ coastal properties
- Auto insurance for NJ drivers who cannot obtain voluntary market coverage — PAIP provides assigned risk personal auto; JUA provides commercial auto for high-risk vehicles
- Property coverage for NJ beachfront homes
- Workers' Compensation for high-risk industries
New Jersey's $250,000 default PIP compared to other portfolio no-fault states:
- NJ has the lowest PIP in the portfolio
- NJ: $250,000 default (highest); MI: up to unlimited (tiered since 2020); MN: $40,000 BEL; KY: $10,000 BRB; FL: $10,000; UT: $3,000; NJ's $250,000 is highest standard PIP in portfolio
- NJ's $250,000 is the same as Michigan
- NJ and Florida both require $250,000 PIP
New Jersey Workers' Compensation is:
- Monopolistic — all WC through the NJ State Insurance Fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; NJ Division of Workers' Compensation administers; NJM Insurance Group is a large NJ WC carrier
- Optional for NJ employers
- Administered by NJDOBI directly
New Jersey's primary P&C statute is:
- NJ Statutes Title 39 — Motor Vehicles
- NJ Insurance Laws Title 17 — Insurance; NJDOBI administers P&C licensing; Commissioner appointed; complex market with high premiums and no-fault auto $250K PIP
- NJ Administrative Code Title 11 only
- NJ Statutes Title 26 — Public Health