Free AI Tutor Included10 questions/day

Free Massachusetts P&C Exam Prep

Massachusetts Property & Casualty Insurance

Pass your Massachusetts P&C exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Your Study Path

Massachusetts Property & Casualty Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

National P&C Fundamentals

Master foundational P&C insurance concepts: property insurance basics, casualty insurance principles, policy structures, and general insurance concepts tested on the exam.

20
hours
Start this step
2

Massachusetts P&C RegulationsYou are here

Study Massachusetts-specific laws including DOI regulations, no-fault auto insurance system, PIP requirements, and 20/40/5 liability minimums.

20
hours
3

Massachusetts Property Insurance

Learn MA FAIR Plan, homeowners coverage requirements, and Massachusetts-specific property regulations.

15
hours
4

Massachusetts Casualty & Ethics

Master no-fault auto system, PIP coverage, workers compensation, MAIGA guaranty association, and producer conduct standards.

15
hours
Estimated total study time
70 hours
That's about 7 weeks at 10 hours/week

Can You Take the Massachusetts P&C Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
No pre-licensing education required (but strongly recommended due to exam difficulty)
Background Check
Required - clear criminal record necessary
Fingerprinting
May be required for certain convictions
Additional Requirements
  • Massachusetts does NOT require pre-licensing education
  • Must be resident of the Commonwealth
  • Two SEPARATE exams required (Property and Casualty)
  • Prometric administers all MA insurance exams
  • Must apply within 12 months of passing exam
  • 60 hours CE in first 36 months, then 45 hours every 36 months
  • Massachusetts is a NO-FAULT auto insurance state
  • $75 lead paint surcharge on all applications

Massachusetts P&C Quick Facts

Time to Get Licensed

3-5 weeks

From start to license in hand

Exam Provider

Prometric

Remote Testing Available
Schedule Your Exam

Retake Policy

24-hour wait between attempts; no limit on retakes

Temporary License

90-day temporary license available in Massachusetts

Total Cost Breakdown

Exam Fee$49 (combined)
Application Fee$225
Fingerprint FeeVaries (if required)
NIPR Transaction Fee$5.60
Total Estimated Cost$354-420 (includes $75 lead paint surcharge)

Exam Exemptions

Holders of these professional designations may be exempt from all or part of the exam:

CPCU

Chartered Property Casualty Underwriter - may qualify for exam exemption

CIC

Certified Insurance Counselor - may qualify for exam exemption

Why Choose Us

Free Massachusetts P&C Prep That Actually Works

The official pass rate is ~65% (varies by attempt). Our students do better.

500+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

No credit card, no trial, no upsells

Compare:
Kaplan $300+Achievable $200+OpenExamPrep $0

What You'll Study

5 chapters covering everything you need to pass

Massachusetts P&C-Specific Topics Covered

Massachusetts Division of Insurance RegulationsNo Pre-Licensing Education RequiredTwo Separate Exams (Property and Casualty)No-Fault Auto Insurance SystemPersonal Injury Protection (PIP) RequirementsAuto Insurance Minimums (20/40/5)Massachusetts FAIR PlanMassachusetts Automobile Insurance Guaranty Association (MAIGA)Lead Paint Surcharge ($75)60 Hours CE First 36 MonthsPrometric Testing CentersUnfair Trade Practices
Learn More with AI

10 free AI interactions per day

Massachusetts P&C Exam Details

Massachusetts Property & Casualty Insurance

Administered by Massachusetts Division of Insurance (DOI)

Official Source
70%
Passing Score
Two
Questions
2
Hours
$49 combined exam fee + $225 application + $75 lead paint surcharge + $5.60 NIPR
Exam Fee
Study time: 50-70 hours
Prerequisites: None - no pre-licensing education required (but recommended)

Exam Content Breakdown

Based on the official Massachusetts Division of Insurance (DOI) content outline

Massachusetts P&C Regulation15%

DOI structure, no pre-license required, licensing process

Property Insurance Laws25%

MA FAIR Plan, homeowners coverage, property regulations

Casualty Insurance Laws35%

No-fault auto, PIP, 20/40/5 minimums, workers comp

Ethics & Prohibited Practices25%

Claims handling, MAIGA guaranty fund, producer conduct

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

Connect with Ran

What's Next After the Massachusetts P&C?

After passing the Massachusetts P&C, you can pursue these career paths

Massachusetts P&C Exam FAQ

Official Massachusetts Division of Insurance (DOI) Resources

Verify information with these official sources

More Free Resources

Loading...
No Credit Card Required

Ready to Start Your Free Massachusetts P&C Prep?

Join thousands of candidates who passed their exams using our free study materials.

Start Chapter 1 Free