California Property & Casualty
Insurance Exam
Don't leave your insurance license to chance. Join 25K+ students using our state-specific question bank to pass the Property-only, Casualty-only and Property & Casualty exam. Same format, same difficulty, same tricky answer choices.
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How to Pass the CA PSI Insurance Licensing Exam
Passing the California P&C exam requires mastering automobile insurance, homeowners policy forms, commercial package policies (CPP), workers compensation, and California-specific Department of Insurance regulations.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Property & Casualty insurance license in California must pass this state licensing exam administered by PSI.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your California insurance license can be issued.
Local Testing Centers
Take your PSI exam in-person at authorized testing locations across California, including:
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your California Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in California, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Focus on California P&C Insurance Code
California has unique regulations for auto and property insurance. Pay special attention to CA Insurance Code sections on auto cancellation, CAARP risk plans, FAIR plan rules, and anti-fraud provisions.
Master Homeowners & Auto Policy Forms
Homeowners forms (HO-2, HO-3, HO-4, HO-6, HO-8) and personal auto liability limits/coverages are heavily tested. Memorize key policy coverages, deductibles, and exclusions.
Practice with Scenario-Based Questions
The Property & Casualty exam uses real-world claim and liability scenarios. Practice with realistic questions to build speed and accuracy.
Understand Commercial & Casualty Concepts
Commercial General Liability (CGL), Businessowners Policies (BOP), and Workers Compensation are critical exam sections. Study claims-made vs occurrence forms carefully.
Common Mistakes
Pitfalls to avoid on test day
Occurrence vs. Claims-Made CGL Policies
Candidates frequently mix up occurrence policy trigger dates with claims-made policy retroactive dates and extended reporting periods (tail coverage).
Homeowners Valuation & Coinsurance
Confusing replacement cost vs actual cash value (ACV) calculations, or misapplying the 80% coinsurance clause during partial loss claims.
Personal Auto Covered Auto Definitions
Students often misidentify newly acquired autos, non-owned autos, and temporary substitute vehicles under the Personal Auto Policy (PAP).
State Property & Casualty Laws
Failing to memorize state-specific requirements for mandatory auto liability minimum limits, FAIR plan eligibility, and cancellation/nonrenewal notice periods.
Ready to put these tips into practice?
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Free CA Insurance Exam Practice PDF
Download our comprehensive practice test with 50 California-specific Property & Casualty exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free CA Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential California insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the California insurance licensing exam
How do I pass the California Property & Casualty insurance exam on my first try?
To pass the California P&C insurance licensing exam on your first attempt, follow this proven strategy: First, complete the required 12 hours of Ethics and California Insurance Code coursework. Second, study the core P&C content areas systematically — automobile insurance, homeowners policy forms, commercial package policies (CPP), workers compensation, and California-specific regulations. Third, complete at least 300+ practice questions until you consistently score 80% or higher, well above the 60% passing threshold. Fourth, focus extra time on California-specific laws including the Insurance Code, anti-fraud provisions, and CAARP auto risk regulations. Finally, take full-length timed practice exams (150 questions in 3 hours) to build stamina and confidence.
How many questions are on the California P&C insurance exam and what score do I need to pass?
The combined California Property & Casualty insurance exam has 150 multiple-choice questions with a 3-hour time limit. You need a score of 60% to pass, meaning at least 90 correct answers out of 150. California also offers single-line exams: Property-Only (75 questions, 90 minutes) and Casualty-Only (75 questions, 90 minutes), both requiring 60% to pass. We recommend aiming for 80%+ on practice tests to give yourself a comfortable margin on exam day.
What topics are covered on the California Property & Casualty insurance exam?
The California P&C exam covers automobile insurance (PAP/CAP), homeowners policy forms (HO-2, HO-3, HO-4, HO-6), dwelling policies (DP-1, DP-2, DP-3), commercial general liability (CGL), businessowners policies (BOP), workers compensation, and California-specific Insurance Code provisions. Approximately 15-20% of questions focus on California state laws and ethics.
How much does the California Property & Casualty insurance exam cost and where do I take it?
The California P&C exam fee is $88 paid to the California Department of Insurance, plus a $33 PSI convenience fee for in-person testing or $43 for remote proctored testing, making the total cost $121 (in-person) or $131 (remote). The exam is administered exclusively by PSI Services LLC at testing centers across California or online.
What are the pre-licensing education requirements for California P&C insurance?
California requires 12 hours of Ethics and California Insurance Code coursework (including 1 hour of anti-fraud training) prior to licensing. Candidates must be 18+ years of age, submit fingerprints via Capital Live Scan, and bring a valid government photo ID to the PSI test center.
What happens if I fail the California Property & Casualty insurance exam?
If you fail the California P&C exam, you can retake it up to 10 times within a 12-month period. Each retake requires paying the full exam fee ($88 plus convenience fee). PSI provides a section diagnostic score report to help you identify areas needing improvement before your retake.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official California Department of Insurance exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Property & Casualty exam — so you practice with questions that closely mirror the actual PSI licensing exam.
Auto Insurance Practice Test
150 questions
Homeowners & Dwelling Test
150 questions
Commercial Property & Package Test
225 questions
Personal Lines & Liability Test
281 questions
California P&C Insurance Law & Ethics
150 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Property-Only Practice Exam Hub
Realistic practice tests covering homeowners policy forms, dwelling policies, commercial property, valuation, and California property insurance laws.
Casualty Insurance Practice Exams
Realistic practice tests covering personal auto, CGL, workers' compensation, commercial package policies, and California casualty insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
950+ exam-like questions
Hard Questions
Tricky questions people miss
Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — auto, homeowners, commercial liability, and California state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Property & Casualty insurance practice tests — with dedicated Property and Casualty sections — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
Essential California Insurance Exam Guides & Tips
Master every aspect of the California insurance licensing exam with our expert guides and insider knowledge.