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, PA Choice Law (Act 6), limited vs. full tort, uninsured/underinsured motorist coverage.
Pennsylvania State Law
PA Insurance Department, Act 6, SWIF, FAIR Plan, cancellation/nonrenewal rules, surplus lines, 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
To get your Pennsylvania Property & Casualty insurance license, you must pass the state licensing exam administered by Prometric with a passing score of 70%. Exam fee: $65. Pennsylvania is regulated by the Pennsylvania Insurance Department (PID) under Pennsylvania Insurance Company Law (40 Pa.C.S.). Visit insurance.pa.gov for official licensing information. Prometric administers; IdentoGO fingerprinting; separate Property and Casualty exams; 15/30/5 auto minimums (very low PD = $5,000); Pennsylvania Insurance Fraud Prevention Authority; PLIGA P&C Guaranty; Commissioner appointed; large commercial market.
Pre-licensing education in Pennsylvania: 24 hours for Property or Casualty. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Pennsylvania renewal application. How to get licensed in Pennsylvania: complete pre-licensing → submit background check/fingerprinting → pass Prometric exam → apply for Pennsylvania producer license.
How to get a Pennsylvania Property & Casualty insurance license in 2026: The Pennsylvania Insurance Department (PID) (insurance.pa.gov) administers all producer licensing in Pennsylvania. Exam: Prometric, $65, 70%. Pre-licensing: 24 hours for Property or Casualty. Once licensed, maintain your Pennsylvania Property & Casualty license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Pennsylvania Insurance Department (PID).
PID (insurance.pa.gov). 40 Pa.C.S. Prometric. IdentoGO fingerprinting. 15/30/5 auto minimums (very low PD). Separate Property and Casualty exams. Commissioner appointed. PLIGA P&C Guaranty.
Frequently Asked Questions — Pennsylvania P&C Insurance Exam
How do I get a Pennsylvania Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Pennsylvania: (1) Complete any required pre-licensing education (24 hours for Property or Casualty); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Prometric exam ($65, 70%); (4) Apply for your Pennsylvania producer license. The Pennsylvania Insurance Department (PID) (insurance.pa.gov) oversees all insurance producer licensing in Pennsylvania.
What exam does Pennsylvania use for Property & Casualty insurance licensing?
Pennsylvania uses Prometric to administer the Property & Casualty insurance licensing exam. Fee: $65. Passing score: 70%. Prometric administers; IdentoGO fingerprinting; separate Property and Casualty exams; 15/30/5 auto minimums (very low PD = $5,000); Pennsylvania Insurance Fraud Prevention Authority; PLIGA P&C Guaranty; Commissioner appointed; large commercial market.
Does Pennsylvania require pre-licensing for Property & Casualty insurance?
24 hours for Property or Casualty. For official pre-licensing provider information, visit insurance.pa.gov.
What are Pennsylvania's CE requirements for Property & Casualty producers?
Pennsylvania requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Pennsylvania Insurance Department (PID) at insurance.pa.gov for CE provider information.
What makes Pennsylvania unique for Property & Casualty insurance licensing?
Prometric administers; IdentoGO fingerprinting; separate Property and Casualty exams; 15/30/5 auto minimums (very low PD = $5,000); Pennsylvania Insurance Fraud Prevention Authority; PLIGA P&C Guaranty; Commissioner appointed; large commercial market.
Practice Exam Questions — Pennsylvania Property & Casualty
5 state-specific questions drawn from the Pennsylvania exam content outline. Correct answer highlighted in green.
Pennsylvania auto minimums are:
- 25/50/25
- 25/50/10
- 15/30/5 — choice no-fault state (Full Tort or Limited Tort option); default is Limited Tort (restricts non-economic damage lawsuits); UM/UIM required
- 30/60/25
Pennsylvania's choice no-fault system:
- Pennsylvania is a pure at-fault state
- Pennsylvania is a mandatory no-fault state with fixed PIP
- Pennsylvania offers Full Tort or Limited Tort: Full Tort = full right to sue all damages; Limited Tort = limits suits for non-economic damages in minor accidents; first-party medical benefits available; choice made at policy inception
- Pennsylvania has converted entirely to no-fault
Pennsylvania Workers' Compensation uses:
- Monopolistic BWC-style fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; SWIF (State Workers' Insurance Fund) is a competitive state carrier; Workers' Compensation Appeals Board administers
- Monopolistic SWIF fund only
- Federal WC in PA
Pennsylvania has separate Property and Casualty exams, meaning:
- PA has one combined P&C exam like most states
- Pennsylvania candidates must take separate Property and Casualty exams — each with its own 24-hour pre-licensing and $65 Prometric fee; unlike most portfolio states with a single combined P&C exam
- PA has one exam but with two separately scored sections
- PA's P&C exam is optional if candidates hold a Life license
Pennsylvania's primary P&C statute is:
- 40 Pa.C.S. — Pennsylvania Insurance Company Law; covers P&C producer licensing, policy forms, rate regulation, PAIR (PA Assigned Insurance Risk), SWIF (WC); PID administers at insurance.pa.gov; Commissioner appointed
- Pennsylvania Consolidated Statutes Title 75 — Vehicle Code only
- Pennsylvania Administrative Code Chapter 31 only
- 40 Pa.C.S. applies only to L&H insurance