Key Takeaways
- Wisconsin REQUIRES 40 hours of pre-licensing education (20 hours each for Property and Casualty lines) before taking the licensing exam
- Wisconsin administers TWO separate exams: Property (100 questions, 120 min) and Casualty (100 questions, 120 min), each requiring 70% to pass
- Exams are administered by PSI Services LLC; exam fee is $75 per exam ($150 total for both lines)
- Fingerprinting is required through Fieldprint Wisconsin using code "FPWIOCIInsurance" ($36 fee)
- Wisconsin auto insurance minimums are 25/50/10 with mandatory uninsured motorist (UM) coverage at the same limits
- College degree exemption available: 2-year technical degree in insurance OR 4-year business degree with insurance emphasis can waive pre-licensing
Wisconsin Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Wisconsin Property & Casualty Insurance exam prep guide. This comprehensive resource covers Wisconsin-specific regulations, licensing requirements, OCI rules, and state insurance laws you need to know to pass your exam in 2026.
About the Wisconsin P&C Exam
The Wisconsin Property & Casualty insurance examinations are administered by PSI Services LLC on behalf of the Wisconsin Office of the Commissioner of Insurance (OCI). The exams test your knowledge of:
- Wisconsin Insurance Code (Chapters 600-646)
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- Wisconsin FAIR Plan (Wisconsin Insurance Plan)
- Agricultural and dairy industry insurance
- Ethics and professional conduct
Important: Wisconsin Requires TWO Separate Exams
Unlike many states that offer a combined P&C exam, Wisconsin requires passing TWO separate exams:
| Exam | Questions | Time | Passing Score |
|---|---|---|---|
| Property | 100 multiple-choice | 120 minutes | 70% (70 correct) |
| Casualty | 100 multiple-choice | 120 minutes | 70% (70 correct) |
Important: You must pass BOTH exams to obtain a full Property & Casualty license in Wisconsin. Each exam covers both national concepts and Wisconsin-specific content.
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services LLC |
| Regulatory Authority | Wisconsin Office of the Commissioner of Insurance (OCI) |
| Passing Score | 70% or higher on each exam |
| Question Format | 100 multiple-choice questions per exam |
| Time Limit | 2 hours per exam |
| Test Delivery | Computer-based at PSI testing centers |
| Results | Immediate |
| Registration | test-takers.psiexams.com |
PSI Testing Locations in Wisconsin
PSI operates testing centers throughout Wisconsin:
| City | Coverage Area |
|---|---|
| Milwaukee | Southeast Wisconsin, Metro Milwaukee |
| Madison | South Central, Dane County |
| Green Bay | Northeast Wisconsin |
| Appleton | Fox Valley Region |
| Eau Claire | Western Wisconsin |
| La Crosse | Southwest Wisconsin |
| Wausau | Central Wisconsin |
Pre-Licensing Education Requirements
Wisconsin REQUIRES pre-licensing education before you can take the licensing exam.
Education Requirements by License Type
| License Type | Required Hours | Content |
|---|---|---|
| Property Only | 20 hours | Property insurance principles |
| Casualty Only | 20 hours | Casualty insurance principles |
| Combined P&C | 40 hours | 20 Property + 20 Casualty |
Key Points About Pre-Licensing
- Education must be completed through OCI-approved providers
- Certificate of completion valid for 2 years
- Must complete education BEFORE scheduling exam
- Online courses are available from approved providers
- Courses cover both national and Wisconsin-specific content
Exam Tip: Choose an OCI-approved provider that includes Wisconsin state law content. This will help you prepare for the state-specific portion of the exam.
College Degree Exemption
Wisconsin offers a pre-licensing education exemption for certain educational backgrounds:
| Qualification | Exemption |
|---|---|
| 2-Year Technical Degree | Insurance-focused degree from accredited institution |
| 4-Year Business Degree | Degree with emphasis/concentration in insurance |
| CPCU Designation | Chartered Property Casualty Underwriter |
| Other Designations | Certain professional insurance designations |
To claim an exemption, submit proof of education with your license application.
Wisconsin Insurance Market Context
Why Wisconsin Is Unique
Wisconsin has a distinctive insurance market shaped by its economy and geography:
-
Agricultural Economy
- Dairy State: America's leading dairy producer
- Extensive farm and agricultural insurance needs
- Crop insurance and livestock coverage critical
- Specialized dairy operation exposures
-
Natural Disaster Risk
- Severe Winter Weather: Heavy snow, ice storms, frozen pipes
- Tornadoes: Western Wisconsin in "Tornado Alley"
- Flooding: Mississippi River, Lake Michigan shoreline
- Hail: Significant crop and property damage risk
-
Regulatory Approach
- Office of the Commissioner of Insurance (OCI) oversight
- File-and-use rate regulation for most lines
- Strong consumer protection laws
- Appointed Insurance Commissioner
-
Auto Insurance Requirements
- Minimum liability: 25/50/10
- Mandatory UM coverage: 25/50 (same as liability)
- Financial responsibility laws
- SR-22 requirements for high-risk drivers
Wisconsin Auto Insurance Requirements
| Coverage | Minimum Required |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage (per accident) | $10,000 |
| Uninsured Motorist BI (per person) | $25,000 |
| Uninsured Motorist BI (per accident) | $50,000 |
Memory Tip: Wisconsin minimums are 25/50/10 plus mandatory 25/50 UM coverage. Remember "Wisconsin = 25/50/10 + UM"
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education (Required first)
- 20 hours for Property, 20 hours for Casualty
- Use OCI-approved provider
- Obtain certificates of completion
- OR claim college degree exemption
-
Complete Fingerprinting
- Required for all license applicants
- Use Fieldprint Wisconsin
- Code: FPWIOCIInsurance
- Cost: $36
- Schedule at fieldprintusa.com
-
Schedule and Pass Property Exam
- Register with PSI online at test-takers.psiexams.com
- Pay $75 exam fee
- Choose PSI testing center location
- Pass with 70%+ score
-
Schedule and Pass Casualty Exam
- Register with PSI for second exam
- Pay $75 exam fee
- Pass with 70%+ score
-
Apply for License
- Submit application through NIPR
- Pay $10 license fee + $5.60 transaction fee
- Provide all required documentation
- Must apply within 1 year of passing exams
-
Receive License
- OCI reviews application and background check
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in Wisconsin
Exam Day Requirements
What to Bring:
- Valid government-issued photo ID (driver's license or passport)
- Second form of ID
- PSI confirmation number
What NOT to Bring:
- Cell phones or electronic devices
- Study materials or notes
- Bags or personal items (lockers provided)
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Can retake after 24-hour waiting period |
| Wait Period | 24 hours between attempts |
| Fee | $75 per attempt per exam |
| Attempts | No limit on retakes |
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education (40 hrs) | $150-400 |
| Fingerprinting (Fieldprint) | $36 |
| Property Exam Fee | $75 |
| Casualty Exam Fee | $75 |
| License Application Fee | $10 + $5.60 |
| TOTAL (Estimated) | $351.60-$601.60 |
Note: If you qualify for the college degree exemption, you save $150-400 on pre-licensing education.
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Renewal Fee | $10 |
| Renewal Deadline | Birth month every 2 years |
| Late Renewal | Additional penalty fees |
Continuing Education Requirements
Wisconsin P&C producers must complete:
- 24 total CE hours every 2-year licensing period
- 3 hours of ethics included in the 24 hours
- CE must be completed through OCI-approved providers
- Carry-over of excess hours NOT permitted
Wisconsin Office of the Commissioner of Insurance Contact
| Resource | Details |
|---|---|
| Website | oci.wi.gov |
| Consumer Hotline | 1-800-236-8517 |
| Madison Office | (608) 266-3585 |
| ociinformation@wisconsin.gov | |
| Address | 125 South Webster Street, Madison, WI 53703 |
| PSI Exam Registration | test-takers.psiexams.com |
| Fingerprinting | fieldprintusa.com |
What This Guide Covers
This FREE study guide focuses on Wisconsin state-specific content for the P&C exam:
Chapter 1: Wisconsin Insurance Regulation & Licensing
- Office of the Commissioner of Insurance (OCI) structure
- Insurance Commissioner powers (appointed position)
- Producer licensing requirements and CE
- Wisconsin Statutes Chapters 600-646
Chapter 2: Wisconsin Property Insurance Laws
- Homeowners insurance requirements
- Wisconsin Insurance Plan (FAIR Plan)
- Agricultural and farm insurance
- Severe weather and natural disaster coverage
- Great Lakes property considerations
Chapter 3: Wisconsin Casualty Insurance Laws
- Auto insurance minimums (25/50/10)
- Mandatory UM coverage requirements
- Workers' compensation requirements
- Liability insurance regulations
- Commercial casualty coverage
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling requirements
- Wisconsin Insurance Security Fund
- Producer conduct standards
national Property & Casualty exam prepFree exam prep with practice questions & AI tutor
Study Tips for Success
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 40 hours (20+20) |
| Property exam questions | 100 |
| Casualty exam questions | 100 |
| Time per exam | 2 hours |
| Passing score | 70% |
| Property exam fee | $75 |
| Casualty exam fee | $75 |
| Fingerprint fee | $36 |
| License application fee | $10 + $5.60 |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Auto minimum liability | 25/50/10 |
| Mandatory UM coverage | 25/50 |
Wisconsin-Specific Laws to Know
- 25/50/10 Auto Minimums - Plus mandatory UM coverage
- Wisconsin Insurance Plan - FAIR Plan for hard-to-insure properties
- Wisconsin Insurance Security Fund - Guaranty association
- OCI Regulatory Authority - Appointed Commissioner
- File-and-Use Rating - Rate regulation system
Next Steps
Ready to begin? Here's your action plan:
- Complete pre-licensing education - 40 hours required
- Complete this FREE study guide - Read all 4 chapters
- Study national P&C concepts - See our Property & Casualty exam prep
- Take chapter quizzes - Test your knowledge
- Schedule fingerprinting - Through Fieldprint Wisconsin
- Register with PSI - Schedule your exams
- Pass both exams - With 70%+ scores
- Apply for license - Pay $10 + $5.60 fee
Remember: Wisconsin requires TWO exams (Property and Casualty). Plan to take them within a few weeks of each other while material is fresh!
Let's get started with Chapter 1: Wisconsin Insurance Regulation & Licensing!
How many hours of pre-licensing education does Wisconsin require for a combined Property & Casualty license?
What is the passing score required for Wisconsin Property & Casualty insurance exams?
What are Wisconsin's minimum auto liability insurance requirements?
How many separate exams must you pass to obtain a Wisconsin Property & Casualty license?
What organization administers Wisconsin's insurance licensing exams?
What is the fingerprinting requirement for Wisconsin insurance license applicants?