Passing the North Dakota P&C exam requires mastering core property and casualty insurance principles, policy forms (HO, DP, PAP, CGL, BOP), and state-specific laws under North Dakota Century Code Title 26.1. Pay special attention to unique ND regulations such as monopolistic Workers Compensation (WSI), Valued Policy Law, 25/50/25 auto liability limits with mandatory PIP, and cancellation notice rules. Study using timed practice exams and target a consistent score of 80% or higher before scheduling your PSI test.

The North Dakota Property & Casualty examination administered by PSI contains 110 multiple-choice questions with a time limit of 2 hours and 30 minutes (150 minutes). You must achieve a score of 70% or higher to pass. The exam includes general property and casualty policy concepts as well as state-specific North Dakota insurance laws.

The exam fee is $64 per attempt, paid directly to PSI Services LLC. Candidates can test in-person at authorized PSI testing centers in North Dakota—including Fargo, Bismarck, Grand Forks, Minot, Dickinson, and Williston—or choose PSI live remote online proctoring to take the exam from home or office. Appointments can be scheduled online at candidate.psiexams.com or by calling (855) 746-8175.

North Dakota mandates statutory auto liability minimum limits of 25/50/25 ($25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage). In addition, North Dakota is an auto no-fault state requiring mandatory Basic No-Fault / Personal Injury Protection (PIP) coverage of at least $30,000 per person for medical expenses, work loss, and survivor benefits under N.D.C.C. § 26.1-41. Uninsured and Underinsured Motorist (UM/UIM) coverage is also required equal to liability limits unless rejected in writing.

North Dakota is one of four monopolistic state fund states in the US. Employers in North Dakota must purchase workers compensation insurance exclusively through the state agency, Workforce Safety & Insurance (WSI). Private insurance carriers are not permitted to write standard statutory workers compensation coverage in North Dakota.

North Dakota does not statutorily require classroom pre-licensing education hours for P&C candidates. To become licensed by the North Dakota Insurance Department (NDID), you must pass the PSI examination, complete electronic fingerprinting for a criminal background check, and apply online through NIPR. Resident producers must complete 24 hours of continuing education (including 3 hours of approved ethics) every two-year reporting cycle, due by the last day of their birth month.

Under N.D.C.C. § 26.1-39-05 (Valued Policy Law), if real property in North Dakota is totally destroyed by fire or lightning without fraud, the policy face amount is paid as liquidated damages. For insurer insolvency protection, the North Dakota Insurance Guaranty Association provides coverage up to $300,000 per covered property and casualty claim.