195+ Free MA Property & Casualty Practice Questions

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Which testing vendor administers Massachusetts Property and Casualty producer licensing exams?

Pearson VUE

PSI

Prometric

NIPR

to track

2026 Statistics

Key Facts: MA Property & Casualty Exam

105

Questions Per Exam

Prometric MA content outlines (100 scored + 5 pretest)

120 min

Exam Time

Prometric MA content outlines

Passing Score

Massachusetts Licensing Candidate Handbook

$39

Per-Line Exam Fee

Prometric MA candidate bulletin

25/50/30

MA Liability Minimums

Mass.gov auto insurance guidance (effective Jul 1, 2025)

Up to 8,000

PIP Benefit

M.G.L. c. 90 §34A / Mass.gov

Massachusetts uses separate Property Producer and Casualty Producer exams. Each exam is delivered as 105 questions (100 scored + 5 pretest), has a 120-minute limit, requires a 70 passing score, and is listed by Prometric at $39 per line exam ($49 combined option). Massachusetts-specific law emphasizes DOI authority, compulsory auto limits updated to 25/50/30 (effective July 1, 2025), UM 25/50, PIP up to $8,000, SDIP merit rating, and CE rules of 60 hours before first renewal then 45 hours every 36 months.

Sample MA Property & Casualty Practice Questions

Try these sample questions to test your MA Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 195+ question experience with AI tutoring.

1Which testing vendor administers Massachusetts Property and Casualty producer licensing exams?

A.Pearson VUE

B.PSI

C.Prometric

D.NIPR

Explanation: Massachusetts uses Prometric to deliver producer licensing exams. Candidates schedule and test through Prometric, then complete licensing through the state process. NIPR is used for licensing transactions, not exam delivery.

2How many total questions are delivered on each Massachusetts Property Producer or Casualty Producer exam?

A.100 total (all scored)

B.105 total (100 scored + 5 pretest)

C.120 total (100 scored + 20 pretest)

D.145 total (130 scored + 15 pretest)

Explanation: Prometric outlines list 105 delivered questions for each line exam, with 100 scored and 5 pretest items. Pretest questions do not count toward the score, but they are mixed in and not identified. Candidates should treat every question as if it is scored.

3What is the time limit for each Massachusetts Property Producer or Casualty Producer exam?

A.90 minutes

B.120 minutes

C.150 minutes

D.180 minutes

Explanation: Each Massachusetts Property or Casualty producer exam allows 2 hours (120 minutes). Because the time window is tight, pacing is important across national and Massachusetts-specific items. Avoid spending too long on any single difficult question.

4What passing score is required on Massachusetts producer licensing exams for Property or Casualty?

A.65

B.70

C.75

D.80

Explanation: Massachusetts uses a passing score of 70 on producer licensing exams. Falling below that threshold requires a retake. Candidates should target practice scores above 70 to create a safety margin.

5What is the Prometric exam fee per attempt for Massachusetts Property Producer or Casualty Producer?

A.$35

B.$39

C.$49

D.$89

Explanation: Prometric's Massachusetts candidate bulletin lists a $39 fee for each single-line producer exam. It also lists a $49 fee for a combined Property + Casualty exam option. Candidates should budget separately for licensing application costs after passing.

6Which state entity has primary authority to regulate insurance producers and insurers in Massachusetts?

A.Massachusetts Division of Insurance (DOI)

B.Massachusetts Department of Revenue

C.Massachusetts Registry of Motor Vehicles

D.Massachusetts Office of the Attorney General

Explanation: The Massachusetts Division of Insurance is the state's insurance regulator. It oversees producer licensing, market conduct, and insurer compliance with Massachusetts insurance law. The RMV and DOR have important roles, but they are not the primary insurance regulator.

7Which statement best describes Massachusetts exam structure for full P&C authority?

A.Massachusetts uses one combined P&C producer exam only

B.Massachusetts uses separate Property and Casualty producer exams, each with its own score report

C.Massachusetts issues licenses without an exam if a candidate completes CE first

D.Massachusetts requires only a state-law exam with no national content

Explanation: Massachusetts tests Property and Casualty in separate line exams. Candidates seeking both authorities must pass both exams and satisfy licensing requirements. Each line has a distinct outline and score report.

8On the Massachusetts Property Producer outline, which content area has the largest percentage weighting?

A.Types of policies

B.Policy provisions, clauses, and riders

C.Policy application, underwriting, and rating

D.General insurance concepts

Explanation: The Massachusetts Property outline weights policy application, underwriting, and rating at 20%, which is the largest single category. Strong performance in this area can materially improve total score results. Candidates should still study all domains because every scored item counts.

9On the Massachusetts Casualty Producer outline, which category carries the highest weight?

A.Types of policies and bonds

B.Casualty policy concepts and underwriting

C.Insurance laws and regulations

D.General insurance concepts

Explanation: The casualty outline gives the highest weighting to casualty policy concepts and underwriting (18%). This area typically includes risk selection, rating considerations, and underwriting principles. Missing these items can quickly lower a candidate's score.

10How many continuing education hours does Massachusetts generally require before a producer's first renewal?

A.24 hours

B.45 hours

C.60 hours

D.72 hours

Explanation: Massachusetts CE rules require 60 hours before the first renewal. After that initial cycle, producers generally move to a 45-hour requirement every 36 months. Candidates should know this first-renewal distinction for exam and compliance purposes.

About the MA Property & Casualty Exam

Massachusetts licenses Property and Casualty authority through separate producer exams. Tested content combines national policy concepts with Massachusetts law, including producer licensing standards, no-fault auto/PIP requirements, SDIP rating concepts, and workers compensation compliance.

Questions

170 scored questions

Time Limit

2 hours (120 minutes) per exam

Passing Score

Exam Fee

$39 per exam ($49 combined option) (Massachusetts Division of Insurance / Prometric)

MA Property & Casualty Exam Content Outline

35%

General Insurance and Policy Mechanics

Policy terms, provisions, underwriting basics, and contract concepts tested across both lines

30%

Property Line Concepts

Homeowners, dwelling fire, commercial property, valuation, exclusions, and endorsements

25%

Casualty Line Concepts

Auto liability, no-fault PIP, UM/UIM, general liability, and workers compensation fundamentals

10%

Massachusetts Law and Producer Compliance

DOI authority, licensing/CE requirements, SDIP, unfair practices, and insolvency/guaranty concepts

How to Pass the MA Property & Casualty Exam

What You Need to Know

Passing score: 70
Exam length: 170 questions
Time limit: 2 hours (120 minutes) per exam
Exam fee: $39 per exam ($49 combined option)

Keys to Passing

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

MA Property & Casualty Study Tips from Top Performers

1Study Massachusetts as two line exams and practice timed 120-minute sets for each line

2Memorize Massachusetts-specific auto law numbers early: 25/50/30, UM 25/50, and PIP up to 8,000

3Drill SDIP and no-fault concepts because they are frequent Massachusetts-specific test points

4Master CE and licensing rules, including first-renewal versus later-renewal CE cycles

5Use mixed scenario sets that combine national policy mechanics with Massachusetts law

Frequently Asked Questions

Is Massachusetts one combined P&C exam?

No. Massachusetts uses separate Property Producer and Casualty Producer exams. Candidates who want both authorities generally take and pass both line exams.

How many questions and how much time are on each Massachusetts exam?

Each line exam is delivered as 105 total questions (100 scored + 5 pretest) with a 120-minute time limit. Because pretest items are mixed and unmarked, treat every question as scored.

What score and fee apply in Massachusetts?

Massachusetts exams use a passing score of 70. Prometric's current Massachusetts bulletin lists a $39 fee for each single-line exam and $49 for the combined Property + Casualty exam option.

What Massachusetts auto limits are most tested after the 2025 update?

Massachusetts compulsory minimums now include liability 25/50/30, uninsured motorist 25/50, and Personal Injury Protection up to $8,000. These limits apply to policies issued or renewed on or after July 1, 2025.

What CE rules should candidates know for Massachusetts?

Massachusetts generally requires 60 CE hours before first renewal and 45 CE hours every 36 months after first renewal, including ethics training requirements. CE completion is essential for license renewal compliance.