Indiana Property & Casualty Insurance License Exam Overview
The Indiana Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Indiana Department of Insurance (IDOI). Indiana is a crossroads state with diverse insurance needs spanning urban centers like Indianapolis to rural agricultural communities.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Indiana—a state with over 6.8 million residents, significant tornado exposure, and a strong manufacturing and agricultural economy that creates substantial P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Pearson VUE |
| Exam Fee | $69 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Indiana?
- Strategic location — Crossroads of America with major logistics hub
- Growing Indianapolis metro — 2+ million in greater Indy area
- Manufacturing economy — Commercial insurance opportunities
- Agricultural sector — Farm and crop insurance needs
- Competitive compensation — Average P&C agent salary over $58,000
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Ready to begin studying? Our comprehensive, completely free Indiana P&C exam prep covers everything you need to pass.
Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Indiana-Specific Property Topics:
- Indiana FAIR Plan (residual market)
- Tornado and windstorm coverage (major IN exposure)
- Hail damage coverage
- Flood insurance considerations
- Basement water damage exclusions
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Indiana Workers' Compensation:
- Required for employers with 1+ employees
- Competitive state (private market)
- Self-insurance options available
- Indiana Residual Market (assigned risk)
3. Auto Insurance (25%)
Indiana Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Indiana financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Indiana Insurance Code and Regulations (10%)
Indiana Code Title 27 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check required
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Property insurance fundamentals | 10-12 |
| Week 2-3 | Liability insurance | 10-12 |
| Week 3-4 | Auto insurance and IN requirements | 10-12 |
| Week 4-5 | Indiana regulations (Title 27) | 8-10 |
| Week 5-6 | Practice exams and review | 10-12 |
Total recommended study time: 50-60 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Indiana P&C exam.
Indiana-Specific Exam Tips
1. Know Indiana Auto Minimums
Indiana requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Tornado Coverage
Indiana sits in Tornado Alley:
- Windstorm coverage — Critical for IN properties
- Tornado deductibles — Understand special deductibles
- Debris removal — Important coverage component
- Additional living expense — When homes are uninhabitable
3. Understand Agricultural Insurance
Indiana's strong farming sector:
- Farm owner policies
- Crop insurance basics
- Livestock coverage
- Equipment and machinery coverage
4. Key Numbers to Remember
| Topic | Indiana Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 1+ employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing auto minimums — Indiana is 25/50/25 (not 25/50/15)
- Skipping tornado coverage — Major IN property risk
- Ignoring agricultural insurance — Strong farming economy
- Not knowing WC requirements — Required for 1+ employees
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Indiana DOI online portal
- Complete background check — Required for all applicants
- Pay license fee — $50 for 2-year resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Indiana Updates
For 2026, be aware of:
- Tornado coverage rate adjustments
- Auto insurance rate changes
- Enhanced consumer protection regulations
- Updated claims settlement timeframes
Start Your Indiana P&C Insurance Career Today
The Indiana P&C license opens doors to a diverse insurance market in the Crossroads of America. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Indiana-specific regulations (Title 27)
- Study guides and summaries
- AI-powered study assistance
Do not pay for expensive prep courses when everything you need is available FREE.