195+ Free NC Property & Casualty Practice Questions

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Which state agency has primary authority to regulate insurers and insurance producers in North Carolina?

North Carolina Department of Justice

North Carolina Department of Insurance (NCDOI)

North Carolina Secretary of State

North Carolina Office of State Budget and Management

to track

2026 Statistics

Key Facts: NC Property & Casualty Exam

830 / 920

NC Exam Codes

Pearson VUE NC content outlines

60 each

Questions Per Exam

55 scored + 5 pretest per line

75 min

Time Per Exam

Pearson VUE NC outlines

Scaled 70

Passing Standard

Pearson VUE NC score reporting

$45

Fee Per Exam

Pearson VUE NC fee table

50/100/50

NC Auto Minimums (2025+)

G.S. 20-279.21 (issued/renewed on or after Jan 1, 2025)

North Carolina uses two separate producer exams: Property (830) and Casualty (920). Each exam delivers 60 items (55 scored + 5 pretest) in 75 minutes, requires a scaled score of 70, and costs $45 per attempt. State-law content is meaningful in both outlines, and major recent changes include the October 1, 2025 prelicensing repeal and the 50/100/50 auto minimums for policies issued or renewed on or after January 1, 2025.

Sample NC Property & Casualty Practice Questions

Try these sample questions to test your NC 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 state agency has primary authority to regulate insurers and insurance producers in North Carolina?

A.North Carolina Department of Justice

B.North Carolina Department of Insurance (NCDOI)

C.North Carolina Secretary of State

D.North Carolina Office of State Budget and Management

Explanation: The North Carolina Department of Insurance is the primary insurance regulator in the state. It oversees licensing, market conduct, and enforcement of insurance laws for property and casualty business.

2North Carolina producer testing uses separate exam codes for Property and Casualty. Which pairing is correct?

A.Property 920 and Casualty 830

B.Property 830 and Casualty 920

C.Property 820 and Casualty 930

D.Property 900 and Casualty 910

Explanation: North Carolina uses separate producer exams: Property code 830 and Casualty code 920. Candidates must pass each required line rather than relying on one combined state exam code.

3What is the current format of each North Carolina Property or Casualty producer exam?

A.50 scored questions, no pretest questions, 60 minutes

B.55 scored questions, 5 pretest questions, 75 minutes

C.60 scored questions, 10 pretest questions, 90 minutes

D.75 scored questions, no pretest questions, 75 minutes

Explanation: Each North Carolina Property or Casualty producer exam includes 55 scored questions and 5 pretest questions. The time limit is 75 minutes per exam.

4What passing standard applies to North Carolina producer licensing exams for Property and Casualty?

A.Scaled score of 65

B.Scaled score of 70

C.Raw score of 70%

D.Raw score of 75%

Explanation: North Carolina uses a scaled passing standard of 70 for these producer exams. A scaled score is not identical to a fixed raw percentage because exam forms can vary in difficulty.

5What is the exam fee for each North Carolina Property or Casualty producer exam attempt?

A.$35

B.$45

C.$55

D.$65

Explanation: The exam fee is $45 for each attempt at the Property exam and for each attempt at the Casualty exam. Retakes require paying the fee again for that specific exam.

6A candidate passes North Carolina Property (830) but fails Casualty (920). Which statement is most accurate?

A.Both exam results are void and must be retaken together

B.The Property pass stands, and only Casualty must be retaken

C.A passing score on one line automatically grants the other line

D.The candidate must wait two years before retesting

Explanation: Because North Carolina uses separate line exams, passing one line does not cancel out if the other line is failed. The candidate generally retakes only the line that was not passed.

7What happened to North Carolina prelicensing requirements beginning October 1, 2025?

A.Prelicensing was doubled to 40 hours per line

B.Prelicensing was repealed by Session Law 2024-55 (HB 737)

C.Prelicensing stayed unchanged, but only for nonresidents

D.Prelicensing became optional only for renewals

Explanation: North Carolina repealed the prelicensing education requirement effective October 1, 2025, under Session Law 2024-55 (HB 737). Candidates still must meet other licensing requirements, including exam and application standards.

8Under GS 58-33-130, what continuing education requirement applies to most resident producers in North Carolina?

A.20 hours every 2 years, including 2 ethics hours

B.24 hours every 2 years, including 3 ethics hours

C.24 hours every year, including 3 ethics hours

D.30 hours every 2 years, including 5 ethics hours

Explanation: North Carolina generally requires 24 CE hours every 2 years, and at least 3 of those hours must be ethics. Producers should verify completion before renewal deadlines to avoid lapse issues.

9Which statement best describes the North Carolina Rate Bureau (NCRB) filing process?

A.NCRB finalizes rates without state review

B.NCRB files rates and rules, and the Commissioner may hold hearings and approve or disapprove filings

C.NCRB only regulates producer commissions

D.NCRB sets federal insurance standards for North Carolina

Explanation: The NCRB files rates and rules for covered lines in North Carolina, but those filings are still subject to regulatory review. The Commissioner has authority to hold hearings and approve or disapprove the filings.

10Which organization is known for filing North Carolina rates and rules for lines such as auto and workers compensation?

A.NCJUA

B.NCIUA

C.NCRB

D.NCIGA

Explanation: The North Carolina Rate Bureau is the rate-filing organization for certain lines, including auto and workers compensation. Its filings are reviewed under state regulatory authority rather than becoming effective solely by insurer choice.

About the NC Property & Casualty Exam

North Carolina licenses full Property and Casualty authority through separate Property (830) and Casualty (920) producer exams. Tested content combines national policy concepts with North Carolina law, including NCDOI licensing rules, CE obligations, NCJUA/NCIUA residual property mechanisms, NCRB rate-filing processes, and updated auto financial responsibility requirements.

Questions

120 scored questions

Time Limit

2 hours 30 minutes total (75 minutes each exam)

Passing Score

Scaled score of 70 (each exam)

Exam Fee

$45 per exam ($90 both) (North Carolina Department of Insurance (NCDOI) / Pearson VUE)

NC Property & Casualty Exam Content Outline

13%

P&C Terms and Concepts

Core insurance terminology, contract concepts, and foundational principles tested across both NC line exams

39%

Personal Lines Coverage

Homeowners, dwelling, and personal auto concepts representing the largest scored share across Property and Casualty outlines

23%

Commercial Lines Coverage

Commercial property, BOP/CPP, CGL, workers compensation, and commercial auto concepts tested in both outlines

25%

North Carolina Law and Regulation

NCDOI producer regulation, CE/compliance duties, NCRB processes, residual markets, and NC-specific casualty/property law topics

How to Pass the NC Property & Casualty Exam

What You Need to Know

Passing score: Scaled score of 70 (each exam)
Exam length: 120 questions
Time limit: 2 hours 30 minutes total (75 minutes each exam)
Exam fee: $45 per exam ($90 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

NC Property & Casualty Study Tips from Top Performers

1Treat North Carolina as a two-exam path and prepare Property (830) and Casualty (920) separately, then run mixed review sets

2Memorize logistics first: 60 total questions per exam, 75 minutes each, scaled passing score 70, and $45 fee per attempt

3Prioritize North Carolina law topics early: CE, producer compliance duties, NCRB filings, NCJUA/NCIUA roles, and surplus-lines framework

4Drill date-based scenarios tied to January 1, 2025 auto-limit changes and October 1, 2025 prelicensing repeal

5Practice policy-form application questions, not just definitions, because NC exams emphasize practical coverage interpretation

Frequently Asked Questions

Is North Carolina a single combined Property & Casualty exam?

No. North Carolina uses separate Property (830) and Casualty (920) producer exams. Most candidates take both to obtain full Property & Casualty authority.

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

Each line exam has 60 total questions (55 scored plus 5 pretest) with a 75-minute time limit. Pretest items are unscored and mixed into the exam.

What score is required to pass North Carolina P&C exams?

Each North Carolina line exam requires a scaled passing score of 70. Because scoring is scaled, a raw percentage and scaled outcome are not always identical.

What did North Carolina change about prelicensing?

Session Law 2024-55 repealed prelicensing requirements effective October 1, 2025. Candidates still must satisfy other producer licensing steps, including exam passage and application requirements.

What auto minimums are tested now in North Carolina?

For policies issued or renewed on or after January 1, 2025, North Carolina minimum liability limits are 50/100/50. The exam may test date-sensitive scenarios comparing older and newer policy periods.