Washington Property & Casualty Insurance License Practice Exam
130 scored questions, 3 hours 15 minutes, 70% to pass (single combined score). Covers RCW Title 48, WAC 284, WA-specific P&C law, auto cancellation rules, and the monopolistic WC system. No pre-licensing required.
Washington Property & Casualty — Study by Topic
Drill Washington state law (~45 scored Qs, the largest section) or practice national P&C concepts. Full 130-question timed exam available.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, inland marine, fire, open vs. named perils, ACV vs. replacement cost.
Casualty & Liability
Auto, CGL, WC (monopolistic L&I), umbrella, bonds, commercial auto BAP symbols, professional liability, products/completed ops.
Washington State Law
Elected OIC, RCW 48, WAC 284, monopolistic WC, UM/UIM, cancellation rules, surplus lines 2% tax, guaranty association, DRLP, unfair trade practices.
P&C Concepts
Contract law, insurable interest, subrogation, indemnity, coinsurance, pro rata vs. short-rate, underwriting, certificate of insurance.
🌟 Full WA P&C Exam
130-question timed exam simulating the real PSI Washington P&C exam. 3 hrs 15 min. 70% single score to pass.
About the Washington Property & Casualty Insurance License Exam
To get your Washington Property & Casualty insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $65. Washington is regulated by the Washington State Office of the Insurance Commissioner (OIC) under Revised Code of Washington Title 48. Visit insurance.wa.gov for official licensing information. Commissioner ELECTED; IDEMIA IdentoGO (WAOIC code); 25/50/10 auto minimums (very low PD = $10,000); monopolistic WC (L&I — Labor & Industries, no private WC carriers); Washington FAIR Plan; Pearson VUE; 20-hr pre-licensing; OIC at 5000 Capitol Blvd SE, Tumwater WA.
Pre-licensing education in Washington: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Washington renewal application. How to get licensed in Washington: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Washington producer license.
How to get a Washington Property & Casualty insurance license in 2026: The Washington State Office of the Insurance Commissioner (OIC) (insurance.wa.gov) administers all producer licensing in Washington. Exam: Pearson VUE, $65, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Washington Property & Casualty license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Washington State Office of the Insurance Commissioner (OIC).
OIC (insurance.wa.gov). RCW Title 48. Commissioner ELECTED. IDEMIA IdentoGO. 25/50/10 auto (very low $10K PD). MONOPOLISTIC WC (L&I — Labor & Industries). No private WC carriers. Washington FAIR Plan. 20-hr pre-licensing. Pearson VUE.
Frequently Asked Questions — Washington Life & Disability Exam
How do I get a Washington Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Washington: (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 Pearson VUE exam ($65, 70%); (4) Apply for your Washington producer license. The Washington State Office of the Insurance Commissioner (OIC) (insurance.wa.gov) oversees all insurance producer licensing in Washington.
What exam does Washington use for Property & Casualty insurance licensing?
Washington uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $65. Passing score: 70%. Commissioner ELECTED; IDEMIA IdentoGO (WAOIC code); 25/50/10 auto minimums (very low PD = $10,000); monopolistic WC (L&I — Labor & Industries, no private WC carriers); Washington FAIR Plan; Pearson VUE; 20-hr pre-licensing; OIC at 5000 Capitol Blvd SE, Tumwater WA.
Does Washington require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.wa.gov.
What are Washington's CE requirements for Property & Casualty producers?
Washington requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Washington State Office of the Insurance Commissioner (OIC) at insurance.wa.gov for CE provider information.
What makes Washington unique for Property & Casualty insurance licensing?
Commissioner ELECTED; IDEMIA IdentoGO (WAOIC code); 25/50/10 auto minimums (very low PD = $10,000); monopolistic WC (L&I — Labor & Industries, no private WC carriers); Washington FAIR Plan; Pearson VUE; 20-hr pre-licensing; OIC at 5000 Capitol Blvd SE, Tumwater WA.
Practice Exam Questions — Washington Property & Casualty
5 state-specific questions drawn from the Washington exam content outline. Correct answer highlighted in green.
Washington State auto minimums are:
- 25/50/25
- 25/50/10 — UNIQUE: $10,000 PD minimum (one of the lowest in the portfolio); at-fault state; modified comparative negligence; UM/UIM must be offered; monopolistic WC (L&I)
- 15/30/10
- 30/60/25
Washington State Workers' Compensation is:
- Competitive — private carriers write all WC policies
- Monopolistic — ALL Washington employers must insure through L&I (Department of Labor & Industries); NO private WC carriers permitted; L&I administers at lni.wa.gov
- A combination of L&I and private carriers
- A voluntary pool managed by L&I
Washington's FAIR Plan for homeowners is:
- Washington Citizens Property Insurance
- Washington FAIR Plan Association — provides last-resort basic property coverage for Washington property owners who cannot obtain voluntary market coverage; important given eastern WA wildfire exposure
- A federal NFIP affiliate for Washington
- Washington has no FAIR Plan mechanism
Washington's elected Insurance Commissioner compared to New York's appointed Superintendent:
- Both are elected
- Washington: Commissioner ELECTED, standalone OIC, insurance-only regulator; New York: Superintendent APPOINTED by Governor, NYDFS (combined banking+insurance), broader financial regulatory authority
- Both are appointed
- Washington: appointed Commissioner; New York: elected Superintendent
Washington's primary P&C statute is:
- RCW Title 46 — Motor Vehicles only
- Revised Code of Washington (RCW) Title 48 — Insurance; OIC at insurance.wa.gov; Commissioner ELECTED; Pearson VUE OnVUE; 25/50/10 auto (unique low PD); monopolistic WC (L&I); IDEMIA IdentoGO WAOIC code; 20-hr pre-licensing
- Washington Administrative Code Title 284 only
- RCW Title 19 — Business Regulations