200+ Free HI Property & Casualty Practice Questions

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Which Hawaii entity is the primary regulator for property and casualty insurance?

Hawaii Insurance Division within the Department of Commerce and Consumer Affairs (DCCA)

Hawaii Department of Taxation

Hawaii Office of Consumer Protection

Hawaii Supreme Court

to track

2026 Statistics

Key Facts: HI Property & Casualty Exam

88 Q

Property Exam (83 + 5)

Pearson VUE HI content outline (effective Jan 1, 2026)

97 Q

Casualty Exam (91 + 6)

Pearson VUE HI content outline (effective Jan 1, 2026)

120m + 135m

Exam Time

Pearson VUE HI candidate handbook (updated Feb 10, 2026)

70%

Passing Score

Pearson VUE HI content outlines

$75

Fee Per Exam

Pearson VUE HI candidate handbook

20/40/10 + $10K PIP

HI Auto Minimums

Hawaii Insurance Division consumer guide

Hawaii uses two exams instead of one combined P&C test: Property (88 total questions, 120 minutes) and Casualty (97 total questions, 135 minutes). Each exam requires a 70% passing score and costs $75. The 2026 Hawaii content outlines are effective January 1, 2026, and Hawaii-specific items heavily emphasize producer licensing, no-fault auto minimums (20/40/10 with $10,000 PIP), and employer workers compensation obligations.

Sample HI Property & Casualty Practice Questions

Try these sample questions to test your HI 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 Hawaii entity is the primary regulator for property and casualty insurance?

A.Hawaii Insurance Division within the Department of Commerce and Consumer Affairs (DCCA)

B.Hawaii Department of Taxation

C.Hawaii Office of Consumer Protection

D.Hawaii Supreme Court

Explanation: The Hawaii Insurance Division, housed within DCCA, is the state's core insurance regulator. It oversees licensing, market conduct, and compliance for insurers and producers. The other agencies may handle related consumer or legal issues but do not serve as the primary insurance regulator.

2The Hawaii Insurance Division is part of which state department?

A.Department of Labor and Industrial Relations

B.Department of Commerce and Consumer Affairs (DCCA)

C.Department of Public Safety

D.Department of the Attorney General

Explanation: In Hawaii, the Insurance Division sits within DCCA. This structure is commonly tested because candidates confuse it with labor or attorney general offices. DCCA is the correct parent department for insurance regulation.

3What is the minimum age requirement for a Hawaii resident producer applicant?

A.16

B.18

C.19

D.21

Explanation: Hawaii resident applicants must be at least 18 years old to qualify for producer licensing. Distractors like 19 or 21 are common because some professions use higher thresholds. For Hawaii insurance producer licensing, 18 is the key minimum.

4Which application pathway is used for Hawaii producer licensing submissions?

A.A paper-only filing mailed to each insurer

B.A county clerk filing portal

C.NAIC/NIPR electronic application process

D.A filing through the Hawaii tax website

Explanation: Hawaii licensing applications are submitted through the NAIC/NIPR process. This standardized electronic path supports resident and nonresident licensing workflows. Paper or tax-site filing options are not the standard licensing route.

5Which statement best reflects Hawaii resident producer background requirements?

A.Fingerprinting is required as part of the licensing process

B.Fingerprinting is optional if the applicant has no criminal history

C.Fingerprinting applies only to nonresident applicants

D.Fingerprinting is never used in producer licensing

Explanation: Hawaii requires fingerprinting for resident producer licensing as part of background screening. A common trap answer says it is optional for first-time applicants, but that is incorrect. The requirement is a core consumer-protection control.

6For a standard Hawaii resident producer applicant, which exam rule applies?

A.The applicant must pass the licensing exam unless an exemption applies

B.The applicant never needs to take an exam

C.The applicant may skip the exam by completing only CE credits

D.The applicant only takes an exam after receiving the license

Explanation: Hawaii requires applicants to pass the licensing exam unless they qualify for a lawful exemption. The exam is part of entry qualification, not a post-license step. CE is for maintaining a license, not replacing initial testing.

7What is the passing score for Hawaii's Pearson VUE Property or Casualty producer exam in 2026?

A.65

B.70

C.75

D.80

Explanation: The required passing score is 70 for Hawaii Property and Casualty producer exams. Candidates often guess 75 because some other exams use that standard. For Hawaii's 2026 exam setup, 70 is the correct benchmark.

8In 2026, the Hawaii Property producer exam includes which question breakdown?

A.88 total questions: 83 scored and 5 pretest

B.83 total questions: all scored

C.97 total questions: 91 scored and 6 pretest

D.88 total questions: 80 scored and 8 pretest

Explanation: Pearson VUE's 2026 Hawaii Property exam format is 88 total questions, with 83 scored and 5 pretest items. Pretest items do not count toward the score but are mixed into the exam. The 97-question structure applies to Casualty, not Property.

9How much testing time is allotted for Hawaii's 2026 Property producer exam?

A.90 minutes

B.105 minutes

C.120 minutes

D.135 minutes

Explanation: The Hawaii Property producer exam allows 120 minutes in 2026. Candidates sometimes confuse this with the longer Casualty time limit. The 135-minute duration applies to Casualty, not Property.

10In 2026, the Hawaii Casualty producer exam uses which question structure?

A.88 total: 83 scored and 5 pretest

B.97 total: 91 scored and 6 pretest

C.100 total: 90 scored and 10 pretest

D.97 total: all questions scored

Explanation: The 2026 Hawaii Casualty exam has 97 total questions, with 91 scored and 6 pretest. A common mix-up is using the Property exam breakdown instead. Knowing both structures helps with time planning and expectations.

About the HI Property & Casualty Exam

Hawaii licenses Property and Casualty producers through two separate Pearson VUE exams. The outlines combine national policy knowledge with Hawaii-specific licensing rules, no-fault auto law, workers compensation requirements, and producer conduct standards.

Questions

185 scored questions

Time Limit

4 hours 15 minutes total

Passing Score

70% on each exam

Exam Fee

$75 per exam ($150 both) (Hawaii DCCA Insurance Division / Pearson VUE)

HI Property & Casualty Exam Content Outline

29%

National Property Knowledge

Property terms, policy provisions, homeowners/commercial property forms, and endorsements tested in the national Property section

29%

National Casualty Knowledge

Casualty policy types, auto and liability concepts, and producer duties tested in the national Casualty section

22%

Hawaii Producer Licensing & CE

DCCA Insurance Division regulation, resident producer requirements, fingerprints/background checks, and continuing education rules

20%

Hawaii Auto, Workers Comp & State Law

No-fault auto framework, 20/40/10 minimum liability with $10,000 PIP, UM/UIM offer rules, workers compensation, and state law/guaranty topics

How to Pass the HI Property & Casualty Exam

What You Need to Know

Passing score: 70% on each exam
Exam length: 185 questions
Time limit: 4 hours 15 minutes total
Exam fee: $75 per exam ($150 both)

Keys to Passing

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

HI Property & Casualty Study Tips from Top Performers

1Memorize both exam blueprints separately so you do not confuse Property vs Casualty question counts and time limits

2Master Hawaii-specific regulation early: DCCA Insurance Division authority, resident licensing steps, and CE rules

3Drill no-fault auto details repeatedly: 20/40/10 minimums, $10,000 PIP, and UM/UIM offer/reject mechanics

4Practice workers compensation scenarios that test employer coverage requirements and casualty policy interactions

5Use mixed timed sets to simulate two different exams and review every missed state-law rationale

Frequently Asked Questions

Is the Hawaii Property & Casualty exam one combined test?

No. Hawaii uses two separate producer exams: Property and Casualty. Most candidates who want full P&C authority take and pass both exams.

How many questions are on each Hawaii exam?

Property is 88 total questions (83 scored + 5 pretest). Casualty is 97 total questions (91 scored + 6 pretest). Pretest questions are unscored and mixed into each exam.

What score do I need to pass Hawaii P&C exams?

You need a 70% passing score on each exam. Passing one exam does not automatically satisfy the other line's requirement.

What are Hawaii's key auto insurance minimums tested on the exam?

Hawaii's no-fault baseline includes 20/40/10 liability minimums plus at least $10,000 Personal Injury Protection (PIP). Policies must also offer UM/UIM, which may be rejected in writing.

What continuing education does Hawaii require after licensing?

Hawaii generally requires 24 CE credits every 2 years, including 3 ethics credits. Dual-line producers must satisfy the line-distribution rule, which effectively requires balanced credits across both lines.