Washington Property & Casualty Insurance License Practice Exam
Washington offers separate Property and Casualty exams (100 questions each) and a combined Property and Casualty exam (150 questions, 195 minutes), all administered by PSI. 70% to pass. No pre-licensing education is required.
Washington Property & Casualty — Study by Topic
Drill Washington state law (45 items on the combined exam) or practice national P&C concepts. A 130-question timed practice exam is also 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
RCW 48 and WAC 284: licensing and appointments, marketing practices, cancellation and nonrenewal, homeowners rules, UM/UIM and PIP, Fair Access plan, P&C Guaranty Association, surplus lines.
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 practice exam modeled on the combined PSI Washington P&C exam (150 items, 195 minutes). 70% to pass.
About the Washington Property & Casualty Insurance Exam
The Washington Property and Casualty producer exams are administered by PSI Services for the Washington Office of the Insurance Commissioner (OIC). Washington licenses Property, Casualty and Personal Lines as lines of authority (RCW 48.17.170), and you can test for Property or Casualty on their own, take the combined Property and Casualty exam, or take the Personal Lines exam. Applicants must be at least 18, and since July 23, 2023 Washington no longer requires pre-licensing education to take a producer exam. You can test at one of 10 PSI test centers or remotely if you qualify.
The Property exam and the Casualty exam each have 100 questions in 150 minutes, the combined Property and Casualty exam has 150 questions in 195 minutes, and the Personal Lines exam has 100 questions in 135 minutes. A small number of unscored experimental items may be added, and they count against your time. You need 70% to pass. The fee is $38 for a single exam and $55 for the combined exam, and after you pass you must submit your license application within 180 days or retake the exam.
Washington Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| Federal Laws and Regulations | 2 | Fair Credit Reporting Act, 18 U.S.C. 1033 and 1034 (letter of written consent), National Flood Insurance Program education |
| WA — Washington Laws, Rules, and Regulations | 45 | RCW Title 48 and WAC Title 284: Commissioner powers, licensing, appointments, continuing education, marketing and unfair practices, producer duties and records, surplus lines, cancellation and nonrenewal, homeowners rules, P&C Guaranty Association; property: overinsurance, Fair Access plan; casualty: total loss, UM/UIM, financial responsibility, assigned risk, personal injury protection |
| General Insurance Concepts | 14 | Risk, insurer classifications, contract elements, agency law, indemnity, good faith, fraud, warranties, representations, concealment |
| Property and Casualty Insurance Basics | 24 | Insurable interest, damages, liability, negligence, underwriting, hazards, loss valuation, policy structure, other insurance, limits, coinsurance, subrogation, mortgage clause |
| Dwelling Policy Concepts | 2 | Dwelling policy purpose and eligibility |
| Homeowners Policy Concepts | 13 | HO-2, HO-3, HO-4, HO-6 and HO-8 forms, Section I coverages A to D, Section II coverages E and F, exclusions, conditions, endorsements |
| Personal Automobile Policy | 5 | Personal injury protection, liability, medical payments, UM/UIM and rejection, collision, other than collision, duties after an accident |
| Commercial Automobile Policy | 4 | Covered, hired and non-owned autos, liability, physical damage, selected endorsements |
| Commercial Property Policies | 10 | Commercial package policy, building and personal property, builders risk, business income, inland marine, endorsements, farm coverage |
| Commercial General Liability | 10 | Coverages A, B and C, occurrence versus claims-made, premises and operations, products and completed operations, contractual liability |
| Businessowners Policy | 10 | Section I property, Section II liability, optional coverages, who is an insured, limits |
| Commercial Crime | 3 | Definitions, insuring agreements, coverage forms, employee dishonesty endorsement |
| Other Types of P&C Insurance | 8 | Specialty liability, umbrella and excess, mobile home, earthquake, surety contracts, workers' compensation laws (monopolistic versus competitive) |
Counts are from the PSI Washington Property and Casualty Producer content outline for the combined exam (150 items, 195 minutes). The single-line Property and Casualty exams (100 items each) draw on the same content; their section counts were not retrieved. Unscored experimental items are added on top of the scored items.
What Makes the Washington Property & Casualty Exam Different
Separate, combined or personal lines exams. PSI offers Property and Casualty exams (100 questions, 150 minutes, $38 each), a combined Property and Casualty exam (150 questions, 195 minutes, $55) and a Personal Lines exam (100 questions, 135 minutes, $38). Personal Lines is defined in RCW 48.17.170 as property and casualty coverage sold to individuals and families mainly for noncommercial purposes (PSI Candidate Information Bulletin for the Washington OIC).
Auto liability minimums. Washington requires liability limits of at least $25,000 for one person, $50,000 for two or more persons and $10,000 for property damage in any one accident (RCW 46.29.090, referenced by RCW 46.30.020). The Casualty-only part of the Washington outline covers UM/UIM and stacking, assigned risk plans, financial responsibility, total loss and personal injury protection.
Workers' compensation goes through L&I. The Department of Labor & Industries states that employers must buy workers' compensation coverage from L&I or be certified self-insured, so private insurers do not write the coverage. The outline lists monopolistic versus competitive state systems as an exam topic.
No pre-licensing education. The OIC states that, effective July 23, 2023, Washington no longer requires pre-licensing education to take a producer exam. You do not need to be fingerprinted before you test: residents pass the exam, apply, and then schedule e-fingerprinting with IDEMIA IdentoGO ($49, rising to $52 on October 1, 2026).
Cancellation, homeowners and Fair Access rules. The Washington part of the exam includes commercial and personal lines cancellation and nonrenewal, credit-score adverse action, homeowners cancellation, binders and the Fair Access to Insurance Requirements plan (WAC 284-19), so state rules are worth studying beyond the national forms.
Appointments and renewal. A producer may not act as an agent of an insurer unless that insurer has appointed the producer (RCW 48.17.160). A renewal received after expiration carries a 50% surcharge for the first 30 days and 100% for the next 30 (RCW 48.17.170).
Sample Washington Property & Casualty Insurance Exam Questions
1. What are the minimum liability limits Washington requires on a motor vehicle liability policy?
2. How may a Washington employer with covered workers secure workers' compensation coverage?
3. A Washington producer's renewal request and fee arrive 20 days after the license expired. What applies under RCW 48.17.170?
Study Tips for the Washington Property & Casualty Exam
The Washington section is 45 of the 150 items on the combined exam, the largest single section. Start with the laws common to all lines: licensing, appointments, producer records, marketing practices, cancellation and nonrenewal and the P&C Guaranty Association. Then add the property-only items (overinsurance and the Fair Access plan) and the casualty-only auto items (UM/UIM, financial responsibility and PIP).
The general content is dominated by property and casualty basics (24 items), homeowners (13) and the commercial coverages: property (10), general liability (10) and businessowners (10). Know the HO forms, the CGL occurrence and claims-made triggers, and the BOP sections before the smaller dwelling, crime and auto sections.
The bulletin sets a single 70% passing standard and there is no limit on retakes, although you cannot retest on the same day. Your score appears on screen at the end of the exam and a score report is emailed to you.
Also licensing in life or disability? See our Washington 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 Washington Property & Casualty Insurance License
There are four steps to get your Washington insurance producer license for the Property and Casualty lines.
Steps to Get Your Washington Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Choose Your Exam | Washington no longer requires pre-licensing education, so you can go straight to the exam. Choose the Property exam, the Casualty exam, the combined Property and Casualty exam or Personal Lines. You must be at least 18. |
| 2. Schedule and Pass the PSI Exam | Register with PSI and pay $38 for a single exam or $55 for the combined exam. Bring one valid, unexpired photo ID that matches your registration name, and score at least 70%. Reschedule at least 2 days ahead to keep your fee. |
| 3. Apply Through NIPR | Submit your application within 180 days of passing. The initial full-lines producer license fee is $55. Residents cannot schedule fingerprints until the application is submitted. |
| 4. Get Fingerprinted | Schedule e-fingerprinting with IDEMIA IdentoGO using your OIC or NIPR transaction number and select the Washington OIC. The OIC issues the license after it receives your background check. An insurer must appoint you before you act as its agent. |
Washington Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property, Casualty and Personal Lines; Washington also licenses Life and Disability |
| Pre-license education | None required since July 23, 2023 |
| Exams | Property or Casualty: 100 questions, 150 minutes; combined Property and Casualty: 150 questions, 195 minutes; Personal Lines: 100 questions, 135 minutes |
| Passing score | 70% |
| Exam fee | $38 for a single exam; $55 for the combined Property and Casualty exam |
| Unscored items | One to ten experimental items (about 10%) may be added; they are not scored but count against exam time |
| Auto liability minimums | $25,000 per person, $50,000 per accident and $10,000 property damage (RCW 46.29.090) |
| Workers' compensation | Employers buy coverage from L&I or are certified self-insured (Department of Labor & Industries) |
| Retakes | No limit; you cannot schedule a new exam on the same day as a prior one |
| Apply after passing | Within 180 days of passing the exam, or retake it |
| Fingerprints | Required for residents, after the exam and application, through IDEMIA IdentoGO ($49, rising to $52 on October 1, 2026) |
| License fees | $55 initial and $55 renewal for full lines; late renewal $82.50 (up to 30 days) or $110 (31 to 60 days); reinstatement $165 |
| Continuing education | 24 credits per renewal period, including 3 ethics; excess credits do not carry over |
| Appointments | Required before acting for an insurer (RCW 48.17.160); $20 fee, paid by the insurer |
| Exam provider | PSI Services (10 Washington test centers or remote testing if eligible) |
| Licensing authority | Washington Office of the Insurance Commissioner |
Verified against the PSI Candidate Information Bulletin for the Washington OIC (revised August 3, 2026), the PSI Washington Property and Casualty content outline, the Office of the Insurance Commissioner's licensing, fee, continuing education and fingerprint pages, the L&I workers' compensation page, and RCW 46.29.090 and 48.17. Fees and requirements change; confirm current figures with the OIC and PSI before you apply.
Our free Washington Property & Casualty practice exam covers general and Washington 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 — Washington Property & Casualty Insurance Exam
How many questions are on the Washington Property and Casualty exams?
The Property exam and the Casualty exam each have 100 questions. The combined Property and Casualty exam has 150 questions, of which 45 cover Washington laws, rules and regulations. One to ten unscored experimental items may be added and are not counted toward your score.
What is the passing score for the Washington insurance exam?
70%. The PSI bulletin and the OIC both state that you must get 70% correct to pass.
How much time do I get on the Washington Property and Casualty exam?
The Property and Casualty exams each allow 150 minutes, and the combined Property and Casualty exam allows 195 minutes. The Personal Lines exam allows 135 minutes. Experimental items count against exam time.
Does Washington require pre-licensing education for insurance producers?
No. Effective July 23, 2023, Washington no longer requires pre-licensing education to take the producer exam. Adjusters have separate eligibility rules.
What are Washington's minimum auto insurance limits?
Liability of at least $25,000 for one person and $50,000 for two or more persons in any one accident, plus $10,000 for property damage (RCW 46.29.090, which RCW 46.30.020 requires drivers to meet).
Who writes workers' compensation in Washington?
Employers must buy coverage from the Department of Labor & Industries (L&I) or be certified self-insured, so private carriers do not write standard workers' compensation policies. L&I states this on its insurance requirements page.
Do I need fingerprints for a Washington insurance producer license?
Residents do, but not before the exam. You pass the exam, submit your application, then schedule e-fingerprinting with IDEMIA IdentoGO and select the Washington OIC. The OIC lists the fee as $49, rising to $52 on October 1, 2026. Non-residents have no fingerprint requirement.
What continuing education applies to Washington producers?
Resident producers complete 24 credit hours per renewal period, including 3 ethics hours. Excess credits cannot be carried over, and each course certificate is valid for 24 months from completion.
Practice Exam Questions — Washington Property & Casualty
5 state-specific questions drawn from the Washington exam content outline. Correct answer highlighted in green.
What score is required to pass a Washington insurance producer exam?
- 60%
- 65%
- 70%
- 75%
How long is the combined Washington Property and Casualty producer exam?
- 135 minutes
- 150 minutes
- 195 minutes
- 240 minutes
Under RCW 48.17.170, casualty insurance is insurance coverage against:
- Direct or consequential loss of property of all kinds
- Legal liability, including liability for death, injury, disability or damage to property
- Loss of life and endowments
- Accident, health and sickness only
What does PSI charge for the combined Property and Casualty producer exam in Washington?
- $38
- $55
- $65
- $105
Which description of personal lines insurance matches RCW 48.17.170?
- Commercial property and liability sold to businesses
- Surety and credit coverages only
- Property and casualty coverage sold to individuals and families mainly for noncommercial purposes
- Group health and disability coverage