Insurance Producer P&C (State Insurance Producer (Property & Casualty) Licensing Exam) — Free Online Mock Test
P&C · ~100-150 Q (state-specific). General insurance & P&C concepts — property, casualty/liability, auto, homeowners, commercial lines, and state law/regulation. · Official language: English.
Insurance Producer P&C exam at a glance
Insurance Producer P&C full-length mock tests
Attempt 50 full-length Insurance Producer P&C mock tests, each a distinct question set built on the real 55-question, 150-minute pattern — with instant scoring and section-wise analysis. The first 3 are free.
Insurance Producer P&C key facts & eligibility
| Conducting body | Each US state’s Department of Insurance, with exams delivered by a testing vendor (Pearson VUE, PSI or Prometric) |
|---|---|
| Official website | naic.org ↗ |
| Mode | The Property and Casualty (P&C) insurance producer licensing exam — the test required to become licensed to sell property and casualty insurance in a US state. It is a computer-based, multiple-choice exam, administered on the state’s behalf by a testing vendor. |
| Frequency | Offered year-round by appointment at the state’s testing-vendor centres. |
| Scoring & marking | The exam is multiple-choice and typically has two parts: a general/national portion (general insurance concepts plus property and casualty coverages — homeowners, auto, general liability, workers’ compensation, policy provisions and claims) and a state-specific portion (state insurance law, regulations and producer duties). The number of questions varies by state (roughly 100–150), and the passing score is commonly around 70% (each state sets its own). Passing qualifies you to apply for the state P&C producer licence. |
| Score validity | Passing leads to a state producer licence, which is then renewed with continuing education per state rules. |
| Language | English (some states offer other languages). |
Who is eligible for Insurance Producer P&C?
Open to prospective insurance producers (agents); a pre-licensing education requirement applies in many states.
Last verified July 2026 against NAIC — state insurance departments. Always confirm current details on the official website before you register.
Insurance Producer P&C section breakdown
The Insurance Producer P&C mock test on Wrexa Edge replicates the real exam's section structure — same names, same question count per section, same time limits. No inter-section breaks — the timer runs continuously.
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Insurance Producer P&C (55 Q)
Insurance Producer P&C scoring & marking scheme
Strategy: Insurance Producer P&C has no negative marking. Attempt every question — blank answers cost you potential marks but cannot pull your score down.
Scale: Insurance Producer P&C (pass 700/1000).
How Insurance Producer P&C is conducted
- Mode
- Test format
- Backtracking
- Mark for review
Insurance Producer P&C time strategy
With 55 questions in 150 minutes, you have about 164 seconds per question on average. Successful candidates aim for the following pacing on each section:
- Insurance Producer P&C (55 Q)
Wrexa Edge's analytics show your actual time-per-question after every mock so you can spot which sections you're losing time on.
Insurance Producer P&C topics covered
Across the 50 Wrexa Edge variants of Insurance Producer P&C, the following topics appear most often (sample distribution from one variant):
Insurance Producer P&C (55 Q)
- CPCU — Risk Analysis · 11
- CPCU — Insurance Law · 9
- CPCU — Claims · 4
- GI — Motor · 3
- CPCU — Liability · 3
- GI — Liability · 2
- Contract — Representation · 1
- Life — Term · 1
Insurance Producer P&C difficulty calibration
Advanced tier. Advanced-level: high-stakes exam with rigorous content depth. Expect 4-8 months of structured prep.
P&C · ~100-150 Q (state-specific). General insurance & P&C concepts — property, casualty/liability, auto, homeowners, commercial lines, and state law/regulation. · Official language: English.
Verified content — Wrexa Edge's Insurance Producer P&C bank has been deeply curated with real exam-aligned content (estimated 100% syllabus coverage).
How Wrexa Edge prepares you for Insurance Producer P&C
- Real test-day interface
- 50 distinct variants
- Detailed analytics
- Spaced repetition (Notebook)
- Optional proctoring
- Free to start
Expert take: what Insurance Producer P&C really tests
The Property & Casualty (P&C) insurance producer exam is the state licensing test to sell property and casualty insurance in the US. It is a computer-based multiple-choice exam delivered by a testing vendor (Pearson VUE, PSI or Prometric) on the state’s behalf, usually with a general/national P&C portion plus a state-law portion; passing (commonly ~70%) qualifies you for the state producer licence.
Preparation tips
- Study both parts — general P&C concepts and your specific state’s law.
- Use your state’s Candidate Handbook content outline as the blueprint.
- Take an approved pre-licensing course if your state requires one.
Common mistakes to avoid
- Studying generic material and missing your state’s specific law.
- Underestimating policy-provision and coverage-definition questions.
Insurance Producer P&C study plan
A phase-by-phase roadmap from your first concept to test-ready. Stretch or compress each phase to fit the time you have before your attempt.
- General insurance concepts
- Property and casualty coverages
- Policy provisions and claims
- Your state’s insurance law and regulation
- Producer duties and unfair practices
- Candidate Handbook content outline
- Full-length timed practice
- Weak-area review
- Target ~70%+ on both parts
Where Insurance Producer P&C can take you
A strong Insurance Producer P&C result opens up these careers and higher-study paths:
- P&C producer licence
- Insurance career
- State-specific
- Renewable licence
Best books & official prep for Insurance Producer P&C
- State P&C pre-licensing course (Kaplan, ExamFX, etc.) — Various
- State exam Candidate Handbook — State DOI / testing vendor
Official practice: Take an approved state pre-licensing course and study your state’s Candidate Handbook content outline; master both the general P&C concepts and your state’s insurance law.
Previous-year papers: Vendors and prep providers offer practice questions; the live exam questions are not released.
Frequently asked questions
- What is the Insurance Producer P&C exam pattern?
- State Insurance Producer (Property & Casualty) Licensing Exam contains 55 questions across 1 section: Insurance Producer P&C (55 Q). Total duration is 150 minutes (about 164 seconds per question).
- Does Insurance Producer P&C have negative marking?
- No — Insurance Producer P&C has no negative marking. Each correct answer is worth 1 mark, so attempt every question.
- How is Insurance Producer P&C scored?
- Scaled score range: 100 to 1000. Insurance Producer P&C (pass 700/1000).
- How can I practise Insurance Producer P&C online for free?
- Wrexa Edge gives you 3 free full-length Insurance Producer P&C mock tests — with instant scoring, detailed explanations and analytics — plus 47 more with Pro. Start practising in under a minute, no card required.
- What is the difficulty level of Insurance Producer P&C?
- Insurance Producer P&C is rated Advanced difficulty on Wrexa Edge. Advanced-level: high-stakes exam with rigorous content depth. Expect 4-8 months of structured prep. P&C · ~100-150 Q (state-specific). General insurance & P&C concepts — property, casualty/liability, auto, homeowners, commercial lines, and state law/regulation. · Official language: English.
- How long is the Insurance Producer P&C exam?
- Insurance Producer P&C runs for 150 minutes total. On Wrexa Edge the timer is enforced exactly as on the real exam — including no inter-section breaks.
- What topics are covered in Insurance Producer P&C?
- Insurance Producer P&C is split into: Insurance Producer P&C (55 Q). Each section is timed and weighted separately. P&C · ~100-150 Q (state-specific). General insurance & P&C concepts — property, casualty/liability, auto, homeowners, commercial lines, and state law/regulation. · Official language: English.
- What tools or aids are allowed during Insurance Producer P&C?
- No special tools are required. Note: real exam is proctored — Wrexa Edge mirrors this with a webcam-based proctoring flow you can enable.
- Is the Insurance Producer P&C test adaptive?
- No — Insurance Producer P&C is a fixed-form (linear) test. Every candidate sees the same number of questions per section.
- How many Insurance Producer P&C mock tests does Wrexa Edge offer?
- Wrexa Edge generates 50 distinct Insurance Producer P&C variants — each with different question content, not just shuffled options — the first 3 free for everyone and 47 more with Pro. That's 2750 unique practice questions in the real test-day interface.
- Is there a free Insurance Producer P&C test series 2026?
- Yes. The Wrexa Edge Insurance Producer P&C test series for 2026 gives you 3 free full-length mock tests (50 in total) plus subject-wise and topic-wise tests — instant scoring and detailed analysis, no card required.
- Are Insurance Producer P&C previous year question–style papers included?
- Every Insurance Producer P&C mock is modelled on the official exam pattern and the style of previous years' papers — the same 55-question structure, sections and marking — so your practice mirrors the real paper you'll sit.
- Which is the best free Insurance Producer P&C mock test online?
- Wrexa Edge's Insurance Producer P&C mock test replicates the real exam interface, timing and marking scheme, with instant score, section-wise analysis and 50 fresh variants — a strong free choice for 2026 preparation.
- Can I take the Insurance Producer P&C mock test on mobile?
- Yes. Insurance Producer P&C mock tests run in any browser on mobile, tablet or desktop — no app or download needed. Start on your phone and your progress and analytics sync when you sign in.
- What is the Insurance Producer P&C syllabus?
- The Insurance Producer P&C syllabus maps to its 1 section: Insurance Producer P&C (55 Q). Wrexa Edge's mock tests cover the complete syllabus topic by topic — see the topics-covered breakdown above — so you practise every area at real exam difficulty.
- What is the eligibility for Insurance Producer P&C?
- Open to prospective insurance producers (agents); a pre-licensing education requirement applies in many states. Wrexa Edge focuses on realistic Insurance Producer P&C practice: 3 free full-length mocks in the exact exam pattern, ready whenever you are.
- When is the Insurance Producer P&C exam and how should I prepare?
- Official Insurance Producer P&C exam dates are announced by the conducting body for each cycle — check the latest notification for the current schedule. To be ready, follow a phased study plan and take full-length timed mocks; Wrexa Edge gives you 3 free Insurance Producer P&C mocks with instant scoring so you can track your readiness week by week.
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