100+ Free CA Property & Casualty Practice Questions
Pass your California Property & Casualty Insurance Exam exam on the first try with exam-style questions and AI tutor.
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Key Facts: CA Property & Casualty Exam
43%
First-Time Pass Rate
CA CDI 2024
60%
Passing Score
CDI requirement
40 hrs
Pre-License Education
Required
15/30/5
Auto Minimums
CA Insurance Code
$500K
CIGA Claim Limit
Per claim
$86
Exam Fee
PSI
California's P&C exam has the lowest pass rate in the nation at just 43%. It requires only 60% to pass but with 150 questions in 3 hours. California requires 40 hours of pre-license education. Key unique topics include Proposition 103 (rate regulation), the California FAIR Plan, California Earthquake Authority (CEA), and Proposition 213 (uninsured motorist restrictions). The CA Insurance Guarantee Association (CIGA) provides $500,000 per claim coverage.
About the CA Property & Casualty Exam
The California property and casualty insurance exam covers CDI licensing requirements, California Insurance Code, Proposition 103 rate regulation, FAIR Plan, California Earthquake Authority (CEA), auto insurance (including Proposition 213), commercial coverage, workers compensation, and California-specific consumer protections.
Questions
150 scored questions
Time Limit
3 hours
Passing Score
60%
Exam Fee
$86 (California Department of Insurance (CDI) / PSI)
CA Property & Casualty Exam Content Outline
CA CDI & Licensing
CDI licensing, 40 hrs pre-license education, broker vs. agent, appointment, CE (24 hrs/2 yrs)
CA Property Insurance
Homeowners, FAIR Plan, CEA earthquake coverage, Prop 103 rate regulation, wildfire
CA Casualty/Auto Insurance
CA financial responsibility, Prop 213, 15/30/5 minimums, UM/UIM, workers compensation
CA Ethics & Practices
CA Insurance Code, unfair practices, CIGA, producer conduct, surplus lines
How to Pass the CA Property & Casualty Exam
What You Need to Know
- Passing score: 60%
- Exam length: 150 questions
- Time limit: 3 hours
- Exam fee: $86
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
CA Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How hard is the California property and casualty insurance exam?
The CA P&C exam has the lowest pass rate nationally at just 43%. Despite requiring only 60% to pass, the 150-question exam covers extensive California-specific topics including Proposition 103, CEA, FAIR Plan, and unique auto insurance provisions. Thorough preparation is essential.
What is Proposition 103 and how does it affect CA P&C insurance?
Proposition 103 (1988) requires prior approval of all property and casualty insurance rate changes in California. The CDI Insurance Commissioner must approve rate increases before they take effect. It also prohibits using credit scores for auto insurance rating and requires 'good driver' discounts of at least 20%.
What is the California Earthquake Authority (CEA)?
The CEA is a publicly managed, privately funded earthquake insurance authority. It offers residential earthquake coverage with deductibles typically of 5%, 10%, 15%, or 25%. Residential property insurers must offer earthquake coverage or participate in the CEA. Coverage includes dwelling, personal property, and loss of use.
What are California's minimum auto insurance requirements?
California requires 15/30/5 minimum liability coverage ($15,000 per person/$30,000 per accident bodily injury, $5,000 property damage). Under Proposition 213, uninsured drivers cannot recover non-economic damages (pain and suffering) even if the other driver is at fault.