Key Takeaways
- Indiana requires 40 hours of pre-licensing education for combined lines (20 P&C + 20 L&H) or 20 hours for a single P&C line
- The exam is administered by Pearson VUE and requires a 70% passing score
- Indiana auto liability minimums are 25/50/25 ($25,000 per person, $50,000 per accident, $25,000 property damage)
- The Indiana Department of Insurance (IDOI) regulates all insurance licensing and producer activities
- Licensed producers must complete 24 hours of continuing education every 2 years to maintain their license
Indiana Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Indiana Property & Casualty Insurance exam prep guide. This comprehensive resource covers Indiana-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed P&C producer.
About the Indiana P&C Exam
The Indiana Property & Casualty insurance examination is administered by Pearson VUE on behalf of the Indiana Department of Insurance (IDOI). The exam tests your knowledge of:
- Indiana insurance law and regulations
- Property insurance principles and coverages
- Casualty insurance including auto and liability
- Policy provisions and endorsements
- Ethics and professional conduct
- Claims handling and consumer protection
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Passing Score | 70% or higher |
| Question Format | Multiple choice |
| Testing Options | Testing center or online proctored |
| Results | Immediate upon completion |
Important: Indiana requires you to demonstrate competency in both general insurance principles and state-specific regulations. Your focus should be on understanding Indiana's unique requirements and laws.
Pre-Licensing Education Requirements
Before scheduling your Indiana P&C exam, you must complete the required pre-licensing education:
Required Education
| License Type | Education Hours | Details |
|---|---|---|
| Combined Lines | 40 hours total | 20 hours P&C + 20 hours L&H |
| P&C Only | 20 hours | Property & Casualty focused |
| L&H Only | 20 hours | Life & Health focused |
Education Topics Covered
-
Property Insurance (10 hours)
- Homeowners insurance
- Commercial property
- Inland marine
- Fire and allied lines
-
Casualty Insurance (10 hours)
- Auto insurance
- General liability
- Workers' compensation
- Professional liability
-
Indiana Insurance Law (integrated)
- State regulations
- Consumer protection
- Licensing requirements
- Ethical standards
Exam Tip: Most successful candidates spend an additional 40-60 hours on self-study and practice exams beyond their pre-licensing education to achieve the 70% passing score.
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education
- Finish required hours from approved provider
- Receive completion certificates
- Certificates valid for exam application
-
Submit License Application
- Apply through NIPR (National Insurance Producer Registry)
- Complete background check
- Pay application fee
- Receive approval and scheduling authorization
-
Schedule Your Exam
- Register with Pearson VUE
- Choose testing center or online proctored option
- Select convenient date and time
-
Take the Exam
- Arrive 30 minutes early (if testing center)
- Bring two forms of valid identification
- Pass with 70%+ score
-
Receive License
- License issued upon passing exam
- Complete CE requirements for renewal
- 24 hours every 2 years
Total Costs
| Item | Cost |
|---|---|
| Pre-License Education | $150 - $350 |
| License Application Fee | Varies |
| Exam Fee | Included in application |
| Background Check | Included |
| TOTAL | $150 - $400+ |
Indiana Auto Insurance Requirements
Understanding Indiana's mandatory auto insurance minimums is critical for the exam:
Minimum Liability Limits (25/50/25)
| Coverage | Minimum Amount |
|---|---|
| Bodily Injury per Person | $25,000 |
| Bodily Injury per Accident | $50,000 |
| Property Damage | $25,000 |
Exam Tip: Memorize Indiana's 25/50/25 auto liability minimums—this is a frequently tested topic on the state exam.
What This Guide Covers
This FREE study guide focuses on Indiana state-specific content:
Chapter 1: Indiana P&C Regulation & Licensing
- Indiana Department of Insurance (IDOI) structure and authority
- Producer licensing requirements and continuing education
- Ethics and professional responsibilities
- Prohibited practices and disciplinary actions
Chapter 2: Indiana Property Insurance
- Homeowners insurance regulations
- Commercial property coverage
- State-mandated coverages and exclusions
- Claims handling requirements
Chapter 3: Indiana Casualty & Auto Insurance
- Indiana auto insurance minimum requirements (25/50/25)
- Uninsured/underinsured motorist coverage
- Liability insurance principles
- Workers' compensation regulations
Note: This guide covers ONLY Indiana state law. You must also study national P&C insurance principles to fully prepare for the exam.
Exam Content Distribution
The Indiana P&C exam emphasizes:
| Content Area | Emphasis | Study Focus |
|---|---|---|
| Policy Types & Coverage | High | Know different policy forms and coverages |
| P&C Terms & Concepts | High | Master insurance terminology |
| Policy Provisions | High | Understand coverage limits, exclusions, conditions |
| Indiana Insurance Law | Medium-High | State-specific regulations and requirements |
| Ethics & Conduct | Medium | Professional standards and prohibited practices |
| Claims Handling | Medium | Claims process and settlement |
Indiana Department of Insurance Contact
Important Resources
| Resource | Details |
|---|---|
| Website | in.gov/idoi |
| Address | 311 W. Washington Street, Suite 103<br/>Indianapolis, IN 46204 |
| Phone | (317) 232-2385 |
| Consumer Hotline | (800) 622-4461 (toll-free) |
Testing Provider Information
Pearson VUE
- Website: pearsonvue.com
- Phone: (800) 274-0680
- Online scheduling available 24/7
- Multiple testing centers throughout Indiana
How to Use This Guide
Study Strategy
- Complete Pre-License Education First (20-40 hours required)
- Read Each Chapter Thoroughly - Focus on Indiana-specific regulations
- Test Your Knowledge - Complete all quiz questions
- Review Key Takeaways - Create flashcards from bullet points
- Study National P&C Content - Use separate national study materials
- Take Practice Exams - Aim for 90%+ before scheduling real exam
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1-2 | Complete pre-license course | 20-40 hours |
| Week 3 | Study national P&C principles | 20 hours |
| Week 4 | Study Indiana state law (this guide) | 15 hours |
| Week 5 | Practice exams and review weak areas | 20 hours |
| TOTAL | 75-95 hours |
Success Tip: Don't rush your preparation. Give yourself 4-5 weeks to study thoroughly before your first attempt. The 70% passing score is achievable with consistent preparation.
Continuing Education Requirements
Once licensed, Indiana producers must maintain their license through continuing education:
| Requirement | Details |
|---|---|
| Hours Required | 24 hours every 2 years |
| Ethics Requirement | 3 hours of ethics included in total |
| Deadline | Before license renewal date |
| Approved Providers | Must be IDOI-approved courses |
Next Steps
Ready to begin? Start with Chapter 1: Indiana P&C Regulation & Licensing to learn about the Indiana Department of Insurance, licensing requirements, and professional responsibilities.
Good luck on your exam!
What are Indiana's minimum auto liability insurance limits?
What is the passing score for the Indiana P&C exam?
How many hours of continuing education must Indiana P&C producers complete every 2 years?