Pennsylvania Property & Casualty Insurance License Practice Exam
150 practice questions covering national P&C concepts and Pennsylvania-specific insurance regulations.
Pennsylvania P&C — Study by Topic
Drill individual domains or take the full 150-question practice exam.
Property Insurance
Homeowners (HO-3, HO-4, HO-6), dwelling policies, inland marine, NFIP flood, commercial property, BOP.
Casualty & Liability
CGL, umbrella, professional liability, workers' compensation, employers' liability, commercial auto, bonds.
Personal Auto
Personal Auto Policy, Motor Vehicle Financial Responsibility Law (75 Pa.C.S. Ch. 17), limited vs. full tort, uninsured/underinsured motorist coverage.
Pennsylvania State Law
PA Insurance Department, 75 Pa.C.S. Ch. 17, State Workers' Insurance Fund, FAIR Plans, cancellation/nonrenewal rules, producer duties.
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Full PA P&C Exam
National and Pennsylvania-specific questions mixed to match the real PSI Property & Casualty exam structure.
About the Pennsylvania Property & Casualty Insurance Exam
The Pennsylvania Property and Casualty producer exam (Series 16-06) is administered by PSI for the Pennsylvania Insurance Department (PID). Pennsylvania also offers Property and Allied Lines (16-04), Casualty and Allied Lines (16-05) and Personal Lines (16-16) exams separately; the combined exam covers both lines and must be passed overall to be licensed in either. Under Act 142 of 2024, which took effect 180 days after its approval on October 31, 2024, pre-exam education is no longer required: a candidate applies for the exam by naming the lines of authority wanted and paying the exam fee. Exams are given at PSI test centers or by remote proctoring.
The combined exam has 150 items and allows 170 minutes, and a minimum score of 70% is needed to pass. PSI may add about 5 to 10 unscored pretest questions, and the time for them is included in the exam time. The exam fee is $55 for the combined exam and $45 for each single-line exam. After you pass, you apply through Sircon or NIPR, pay the $55 resident producer fee for a two-year license, and are fingerprinted at IdentoGO.
Pennsylvania Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| PA — 1.0 Insurance Regulation | 20% | Producer licensing and renewal (40 P.S. § 310), continuing education, disciplinary actions, appointments, unfair insurance practices, agency termination, privacy, insurance fraud, federal regulation including TRIA and the Motor Carrier Act |
| 2.0 General Insurance Concepts | 8% | Risk and risk handling, classifications of insurers, elements of a contract, authority of producers, law of agency, indemnity, good faith, misrepresentation |
| PA — 3.0 Property and Casualty Insurance Basics | 14% | Insurable interest, liability, underwriting, rating, loss valuation, policy structure, coinsurance, limits, subrogation; Pennsylvania Guaranty Association (40 P.S. § 991.1801 et seq.), standard fire policy (40 P.S. § 636), cancellation and nonrenewal rules |
| 4.0 Dwelling Policy Concepts | 4% | DP-1, DP-2 and DP-3 forms, property coverages, exclusions, conditions, Pennsylvania special provisions endorsement |
| 5.0 Homeowners Policy Concepts | 7% | HO-2, HO-3, HO-4, HO-6 and HO-8 forms, perils, property and liability coverages, exclusions, conditions, endorsements |
| PA — 6.0 Personal Automobile Policy | 10% | Personal auto policy, Motor Vehicle Financial Responsibility Law (75 Pa.C.S. Ch. 17), tort election, first party benefits, assigned risk plan, uninsured and underinsured motorist coverage, proof of coverage |
| 7.0 Commercial Automobile Policy | 5% | Liability and physical damage, selected endorsements, Motor Carrier Act of 1980 and the MCS-90 endorsement |
| 8.0 Commercial Property Policies | 7% | Commercial package policy, building and personal property forms, builders risk, business income, inland marine, equipment breakdown, farm property |
| 9.0 Commercial General Liability | 7% | Bodily injury and property damage, personal and advertising injury, occurrence versus claims-made, exposures |
| 10.0 Commercial Crime | 2% | Definitions, insuring agreements, coverage form classifications, other crime coverages |
| 14.0 Businessowners Policy — Property | 3% | Businessowners property coverages |
| PA — 11.0 Workers' Compensation Insurance | 5% | Coverages, employers liability, benefits and levels of disability, federal laws, Pennsylvania Workers' Compensation Act (Title 77), State Workers' Insurance Fund, experience rating |
| 12.0 Other Types of Property and Casualty Insurance | 8% | Specialty liability, surety bonds, umbrella and excess, flood insurance, FAIR Plans, risk retention groups, ocean marine, aircraft, boatowners, pet insurance |
Weights are the percentages in the PSI content outline for the Pennsylvania Producer's Examination for Property and Casualty Insurance (Series 16-06, 150 items, 170 minutes). The outline does not give question counts per section, and PSI publishes outlines for two effective periods (through 2/29/2026 and from 3/1/2026), so check the current outline before you test.
What Makes the Pennsylvania Property & Casualty Exam Different
Separate or combined exams. Pennsylvania offers Property and Allied Lines (16-04), Casualty and Allied Lines (16-05), Personal Lines (16-16) and the combined Property and Casualty exam (16-06). The single-line exams cost $45 each and the combined exam costs $55. On a combined exam you must pass the overall exam to be licensed in either line (PSI candidate bulletin).
Auto minimums and tort choice. Pennsylvania's financial responsibility minimums are $15,000 for one person and $30,000 for two or more persons in bodily injury, plus $5,000 for property damage (75 Pa.C.S. § 1702). Policies include a $5,000 medical benefit (§ 1711), and a driver who does not choose is treated as having chosen full tort (§ 1705).
Uninsured and underinsured motorist coverage is offered, not required. Insurers must offer UM and UIM coverage, and purchase is optional, but rejection requires a signed and dated form from the first named insured. Without a valid form, the coverage equals the bodily injury liability limits (75 Pa.C.S. § 1731).
No pre-exam education. Act 142 of 2024 removed the 24-hour pre-exam course requirement and the Department's role in approving those courses. Older guides that describe a 24-credit course before the exam are out of date.
Flood insurance CE. Licensees with a property or casualty line must complete 2 hours of flood insurance continuing education, counted within the 24 credit hours per two-year period, along with at least 3 hours of ethics (Act 142 of 2024).
Fingerprinting comes after the exam. New resident producers are fingerprinted at IdentoGO, but only after passing the exam and submitting the license application. Residents who only add a line to an existing license are exempt (Pennsylvania Insurance Department).
Sample Pennsylvania Property & Casualty Insurance Exam Questions
1. What are Pennsylvania's minimum financial responsibility limits for motor vehicle liability insurance?
2. Under the Pennsylvania Motor Vehicle Financial Responsibility Law, what tort alternative applies to a private passenger vehicle owner who is given the required notice but never chooses?
3. A Pennsylvania insurer issues a private passenger auto policy and the named insured wants no uninsured or underinsured motorist coverage. What must the insurer have?
Study Tips for the Pennsylvania Property & Casualty Exam
Know the Pennsylvania auto statutes cold. Personal Automobile (10%) is tied to 75 Pa.C.S. Ch. 17: financial responsibility limits (§ 1702), tort election (§ 1705), first party benefits (§§ 1711–1725), UM/UIM (§§ 1731–1738) and the Assigned Risk Plan (§§ 1741–1744).
Spread your time across the commercial lines. Commercial property (7%), commercial general liability (7%), commercial auto (5%), workers' compensation (5%) and crime (2%) are about a quarter of the exam. Learn occurrence versus claims-made and the Pennsylvania Workers' Compensation Act basics.
The exam is scored as a whole at 70%. You pass or fail the combined exam overall. A failed attempt has no cap on retakes, but there is no same-day retest, so plan study time between attempts.
Also licensing in life or health? See our Pennsylvania Life & Health practice exam. National content is in our property and casualty practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Pennsylvania Property & Casualty Insurance License
There are four steps to get your Pennsylvania insurance producer license for the Property and Casualty lines.
Steps to Get Your Pennsylvania Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Apply to Take the Exam | Pennsylvania no longer requires a pre-exam course. Choose your lines of authority, pay PSI the exam fee ($55 for the combined 16-06 exam, $45 for a single-line exam), and schedule at a test center or by remote proctoring online or at 888-818-5822. |
| 2. Sit for the Exam | Bring one valid, unexpired photo ID that bears your signature and matches your registration name, and arrive 30 minutes early. The combined exam has 150 items and allows 170 minutes. |
| 3. Apply and Get Fingerprinted | After you pass, apply through Sircon or NIPR within one year. The resident producer fee is $55. Register for IdentoGO fingerprinting only after you have passed and applied. |
| 4. Maintain Your License | The license lasts two years. Complete 24 credit hours of continuing education each license period, including at least 3 hours on ethics and 2 hours on flood insurance. |
Pennsylvania Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Property and Allied Lines (16-04), Casualty and Allied Lines (16-05), Property and Casualty (16-06), Personal Lines (16-16) |
| Combined exam | 150 items in 170 minutes; about 5–10 unscored pretest questions may be added, within the exam time |
| Passing score | A minimum score of 70%; the combined exam must be passed overall |
| Pre-exam education | None required since Act 142 of 2024 (effective 180 days after October 31, 2024) |
| Exam fee | $55 for the combined exam; $45 for each single-line exam; nonrefundable |
| Exam vendor | PSI (test centers or remote proctoring) |
| Auto liability minimums | $15,000 / $30,000 bodily injury and $5,000 property damage (75 Pa.C.S. § 1702) |
| Fingerprinting | IdentoGO, after passing and applying; exempt if only adding a line to an existing license |
| License fee and term | $55 for a resident individual producer; two-year term |
| Continuing education | 24 credit hours per two-year period, at least 3 on ethics and 2 on flood insurance |
| Retakes | No attempt limit; no same-day retest |
| Application | Through Sircon or NIPR immediately after passing; apply within one year of passing |
| Licensing authority | Pennsylvania Insurance Department |
Verified against the PSI Pennsylvania candidate bulletin and Series 16-06 content outline, the Pennsylvania Insurance Department's producer licensing pages, 75 Pa.C.S. Chapter 17, and Act 142 of 2024 (SB 1241). Fees and times change; confirm current figures with PSI and the Department before you apply.
Our free Pennsylvania Property & Casualty practice exam covers general and Pennsylvania content. You can also try the national property and casualty practice exam or the insurance license 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 — Pennsylvania Property & Casualty Insurance Exam
How many questions are on the Pennsylvania Property and Casualty exam?
The combined Series 16-06 exam has 150 items and allows 170 minutes. PSI may add about 5 to 10 unscored pretest questions, and the time for them is part of the exam time.
Does Pennsylvania have separate Property and Casualty exams?
Pennsylvania offers Property and Allied Lines (16-04), Casualty and Allied Lines (16-05), Personal Lines (16-16) and a combined Property and Casualty exam (16-06). The combined exam must be passed overall to be licensed in either line.
What is the passing score for the Pennsylvania insurance exam?
PSI's candidate bulletin sets a minimum score of 70% for the Pennsylvania producer exams.
Does Pennsylvania require pre-licensing education?
No. Act 142 of 2024 removed the 24-hour pre-exam education requirement, effective 180 days after approval on October 31, 2024. Candidates apply to take the exam, naming their lines of authority and paying the exam fee.
What are Pennsylvania's minimum auto liability limits?
$15,000 for one person and $30,000 for two or more persons in bodily injury, and $5,000 for property damage in any one accident (75 Pa.C.S. § 1702). Policies also carry a $5,000 medical benefit under § 1711.
How much does the Pennsylvania insurance exam cost?
The combined Property and Casualty exam costs $55 and the single-line exams cost $45 each. Exam fees are not refundable or transferable. The initial resident producer license fee is a further $55.
Do I need fingerprints for a Pennsylvania producer license?
Yes, new resident applicants are fingerprinted at IdentoGO, but only after passing the exam and applying. Residents who are only adding a line to an existing license are exempt.
What is the CE requirement for Pennsylvania property and casualty producers?
24 credit hours of approved continuing education per two-year license period, including at least 3 hours on ethics and, for licensees with a property or casualty line, 2 hours on flood insurance.
Practice Exam Questions — Pennsylvania Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
Which company administers the Pennsylvania insurance producer exams for the Pennsylvania Insurance Department?
- PSI
- Prometric
- Pearson VUE
- The Insurance Department itself
What medical benefit must a Pennsylvania private passenger auto insurer include under 75 Pa.C.S. § 1711?
- $5,000
- $1,000
- $10,000
- $25,000
Which continuing education topic is required for Pennsylvania licensees with a property or casualty line of authority, in addition to ethics?
- 2 hours of flood insurance
- 4 hours of workers' compensation
- 3 hours of auto law
- No additional topic
What does 75 Pa.C.S. § 1741 require the Insurance Department to adopt?
- An Assigned Risk Plan
- A state-run auto insurer
- A no-fault compensation fund
- A mandatory UM/UIM purchase rule