PracticeStudy GuidesBlogFlashcardsEspañol
All Practice Exams

200+ Free AL Property & Casualty Practice Questions

Pass your Alabama Property & Casualty Insurance Exam exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately
60% Pass Rate
200+ Questions
100% Free
1 / 10
Question 1
Score: 0/0

Which Alabama agency primarily regulates property and casualty insurers and producers?

A
B
C
D
to track
2026 Statistics

Key Facts: AL Property & Casualty Exam

150 Q

Exam Questions

ALDOI producer P&C outline

180 min

Exam Time

ALDOI producer P&C outline

70%

Passing Score

105/150 required

$75

Exam Fee

ALDOI exam sites / UA testing info

60%

First-Attempt Pass Rate

ALDOI annual exam report (2024)

25/50/25

AL Auto Minimums

Alabama Mandatory Liability Insurance Law

Alabama's producer P&C exam uses 150 scored questions in 180 minutes with a 70% passing score (105 correct). The Alabama outline weights General Insurance (20%), Property (about 23%), Casualty (44%), and Alabama-specific law (about 13%). Alabama currently does not require prelicense education before testing, charges a $75 combined P&C exam fee, and applies repeat-attempt limits after the second and fourth failures.

Sample AL Property & Casualty Practice Questions

Try these sample questions to test your AL Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Alabama agency primarily regulates property and casualty insurers and producers?
A.Alabama Department of Insurance (ALDOI)
B.Alabama Secretary of State
C.Alabama Department of Revenue
D.Alabama Attorney General Consumer Division
Explanation: ALDOI is the state insurance regulator for Alabama. It handles licensing, enforcement, and oversight of insurance companies and producers.
2How is the Alabama Commissioner of Insurance selected?
A.Elected in a statewide election
B.Appointed by the Governor of Alabama
C.Chosen by a vote of admitted insurers
D.Appointed by the NAIC
Explanation: In Alabama, the Governor appoints the Commissioner of Insurance. The Commissioner leads ALDOI and administers Alabama insurance laws.
3For the Alabama combined Property and Casualty producer exam, which summary is correct?
A.150 questions, 180 minutes, pass at 70% (105 correct)
B.145 questions, 150 minutes, pass at 75% (109 correct)
C.150 questions, 120 minutes, pass at 80% (120 correct)
D.100 questions, 180 minutes, pass at 70% (70 correct)
Explanation: Alabama uses a 150-question combined P&C exam with a 3-hour time limit. A 70% score is required, which equals 105 correct answers.
4What is the current exam fee for the Alabama combined Property and Casualty licensing exam?
A.$75
B.$49
C.$95
D.$125
Explanation: The verified Alabama exam fee for the combined P&C exam is $75. Candidates should still confirm scheduling logistics through ALDOI exam sites and UA testing channels.
5Which statement about Alabama prelicensing education for P&C producer applicants is accurate?
A.40 hours are required before testing
B.20 hours are required before testing
C.No prelicensing course is required as of 2024
D.A college insurance class is required
Explanation: Alabama removed the mandatory prelicensing requirement for this license path in 2024. Applicants may still take prep courses, but the state does not require them before sitting for the exam.
6What is the minimum age to be licensed as an Alabama property and casualty producer?
A.16
B.18
C.19
D.21
Explanation: Alabama requires producer applicants to be at least 18 years old. Meeting age alone is not enough because applicants must also satisfy testing and licensing filing requirements.
7How much continuing education must an Alabama P&C producer complete each 2-year cycle?
A.24 total hours including 3 ethics hours
B.20 total hours including 2 ethics hours
C.30 total hours with no ethics requirement
D.24 total hours including 1 ethics hour
Explanation: Alabama requires 24 CE hours every two years for this producer license. At least 3 of those hours must be in ethics.
8Within how many days must an Alabama producer report an address change to the regulator?
A.10 days
B.15 days
C.30 days
D.60 days
Explanation: An Alabama producer must notify the state within 30 days after an address change. Timely updates help ALDOI maintain valid contact records for legal notices and compliance matters.
9After appointing a producer, within how many days must an insurer file that appointment in Alabama?
A.5 days
B.10 days
C.15 days
D.30 days
Explanation: The insurer must file producer appointment information within 15 days in Alabama. This supports clear authority tracking and market conduct oversight.
10As of 2025-05-07, what waiting period applies after an applicant fails the Alabama producer exam twice?
A.No wait period
B.30 days
C.90 days
D.180 days
Explanation: Effective May 7, 2025, Alabama applies a 90-day wait after two failed attempts. The policy is intended to encourage additional preparation before retesting.

About the AL Property & Casualty Exam

The Alabama property and casualty producer exam tests national P&C fundamentals plus Alabama law, including producer licensing under Title 27, motor vehicle insurance requirements, Alabama Insurance Guaranty Association protections, workers compensation obligations, and cancellation/nonrenewal rules.

Questions

150 scored questions

Time Limit

3 hours (180 minutes)

Passing Score

70% (105/150)

Exam Fee

$75 (Alabama Department of Insurance / University of Alabama Insurance Testing)

AL Property & Casualty Exam Content Outline

20%

General Insurance Concepts

Risk management, contract law, producer authority, legal concepts, and insurance marketplace structure

23%

Property Insurance Basics

Homeowners, dwelling fire, commercial property, inland marine, valuation methods, and endorsements

44%

Casualty Insurance Basics

Auto liability, CGL, workers compensation, businessowners policy, and liability concepts

13%

Alabama Laws & Regulations

ALDOI licensing rules, cancellation/nonrenewal, guaranty association, mandatory liability, UM/UIM, and proof-of-insurance requirements

How to Pass the AL Property & Casualty Exam

What You Need to Know

  • Passing score: 70% (105/150)
  • Exam length: 150 questions
  • Time limit: 3 hours (180 minutes)
  • Exam fee: $75

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

AL Property & Casualty Study Tips from Top Performers

1Use the Alabama weighting: spend most of your practice time on casualty insurance because it is the largest domain
2Memorize core Alabama auto law numbers early: 25/50/25 limits, UM offer/reject-in-writing rule, and cancellation notice timing
3Drill producer compliance rules under Title 27, including appointment reporting, address-change deadlines, and CE requirements
4Practice mixed sets with strong policy-form coverage (HO, DP, CGL, PAP, workers compensation) to handle national + state crossover items
5Build a final-review sheet for Alabama-only points like guaranty association limits and Strengthen Alabama Homes grant basics

Frequently Asked Questions

How many questions are on the Alabama property and casualty exam?

The Alabama producer P&C exam is 150 questions with a 3-hour (180-minute) time limit. You need 70% to pass, which is 105 correct answers.

How much is the Alabama P&C exam fee?

Alabama lists the combined Property & Casualty producer exam fee at $75 through the state's testing process. Separate licensing and background-related costs may apply after passing the exam.

Does Alabama require prelicensing hours before the P&C exam?

Current Alabama guidance states prelicense education is not mandatory before sitting for the producer exam. Many candidates still complete a prep course because the casualty domain is heavily weighted.

What are Alabama's minimum auto liability limits?

Alabama's mandatory liability minimums are 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Drivers must also carry evidence of insurance in the vehicle.

What are Alabama's exam retake waiting periods?

Under Alabama's repeat-attempt limits, after 2 failed attempts the candidate must wait 90 days, and after 4 failed attempts the wait increases to 180 days. These limits apply per line of authority.