197+ Free ND Property & Casualty Practice Questions

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Which state entity is the primary insurance regulator for North Dakota?

North Dakota Division of Insurance

North Dakota Department of Revenue

North Dakota Secretary of State

North Dakota Office of Management and Budget

to track

2026 Statistics

Key Facts: ND Property & Casualty Exam

110

Questions Per Line Exam

ND PSI outlines

150 min

Time Per Line Exam

ND PSI bulletin

70%

Passing Standard

ND PSI bulletin

$64

Fee Per Line Exam

ND PSI bulletin

25/50/25

ND Auto Minimums

North Dakota Insurance Department

$30,000

Basic No-Fault PIP

NDCC Chapter 26.1-41 / NDDI consumer guidance

WSI

Workers Comp System

Workforce Safety & Insurance

North Dakota uses separate Property and Casualty producer exams, each with 110 total questions in 150 minutes and a 70% passing standard (77/110). Exam fees are $64 per line. State law carries substantial weight across both outlines, including licensing duties, unfair practices, auto financial responsibility (25/50/25), mandatory UM/UIM, no-fault PIP at $30,000, and North Dakota's monopolistic WSI workers compensation system.

Sample ND Property & Casualty Practice Questions

Try these sample questions to test your ND Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 197+ question experience with AI tutoring.

1Which state entity is the primary insurance regulator for North Dakota?

A.North Dakota Division of Insurance

B.North Dakota Department of Revenue

C.North Dakota Secretary of State

D.North Dakota Office of Management and Budget

Explanation: North Dakota insurance oversight is handled through the Division of Insurance. Licensing, market conduct, and policy compliance questions are tied to that regulator on state-focused exam items.

2What is the current format for each North Dakota PSI Property or Casualty producer exam?

A.110 questions in 150 minutes

B.145 questions in 150 minutes

C.100 questions in 120 minutes

D.150 questions in 180 minutes

Explanation: North Dakota uses separate Property and Casualty line exams through PSI, and each line exam is 110 questions with a 150-minute limit. Understanding that the state does not use one combined exam helps candidates schedule and pace correctly.

3What scaled score is required to pass a North Dakota Property or Casualty line exam?

A.60

B.65

C.70

D.75

Explanation: North Dakota uses a passing score of 70 for producer licensing exams. Scores below 70 require the candidate to retest that line.

4How much is the PSI exam fee for each North Dakota Property or Casualty line exam?

A.$50

B.$64

C.$89

D.$95

Explanation: North Dakota's PSI bulletin lists a $64 fee for each Property or Casualty line exam. Because the lines are tested separately, candidates pay per exam attempt.

5After failing a North Dakota Property or Casualty line exam, when is the earliest retake allowed?

A.The same day in the afternoon

B.The next calendar day, if a seat is available

C.After a mandatory 7-day wait

D.After a mandatory 30-day wait

Explanation: North Dakota does not allow same-day retesting. Candidates may retest as soon as the next day, subject to scheduling availability.

6What prelicensing education is required in North Dakota before applying for a resident or non-resident producer license?

A.20 hours for residents only

B.40 hours for residents and 20 for non-residents

C.No prelicensing education is required

D.24 hours including 3 ethics

Explanation: North Dakota does not require prelicensing education for resident or non-resident producer licenses. Applicants still must meet testing and licensing requirements where applicable.

7How often does a North Dakota resident producer license renew, and when is it due?

A.Annually on January 1

B.Every two years in the producer's birth month

C.Every three years on December 31

D.Every two years on July 1

Explanation: Resident producer licenses in North Dakota renew biennially. The renewal due point is the producer's birth month.

8How many CE hours are required in North Dakota for each major line such as Property/Casualty?

A.8 hours

B.10 hours

C.12 hours

D.24 hours

Explanation: North Dakota major-line producers must complete 24 CE hours during each renewal cycle. This includes a specific ethics component and is not calculated as 10 hours per line.

9How many ethics CE hours are included in North Dakota's 24-hour producer CE requirement?

A.1 hour

B.2 hours

C.3 hours

D.6 hours

Explanation: North Dakota requires 24 total CE hours with at least 3 hours in ethics. Candidates should treat ethics as a mandatory sub-requirement, not an optional elective.

10Within how many days must an insurer submit a producer appointment in North Dakota?

A.5 days

B.10 days

C.15 days

D.30 days

Explanation: North Dakota requires insurers to file appointments within 30 days. Missing this deadline can create compliance issues for both carrier and producer relationship records.

About the ND Property & Casualty Exam

North Dakota licenses Property and Casualty authority through separate PSI exams for each line. The exam path combines national coverage concepts with heavily weighted North Dakota law and producer regulation under NDCC Title 26.1, plus state-specific auto, claims, and workers compensation rules.

Questions

220 scored questions

Time Limit

150 minutes per exam (300 minutes total)

Passing Score

70% (77/110 per exam)

Exam Fee

$64 per exam (North Dakota Insurance Department / PSI)

ND Property & Casualty Exam Content Outline

36%

North Dakota Law and Producer Regulation

Insurance Department authority, producer licensing/renewal, CE, unfair practices, and state property/casualty statutes across both line exams

24%

Property Policies and Coverages

Property policy concepts, dwelling and homeowners forms, commercial property, BOP, and other property coverages

25%

Casualty Policies and Coverages

Casualty policy concepts, personal auto, commercial auto, CGL, workers compensation, and other casualty coverages

13%

General Insurance Concepts

Core insurance principles, policy structure, legal concepts, and common coverage mechanics appearing in both outlines

Federal Insurance Law Topics

Limited federal-law questions such as consumer privacy and credit reporting obligations tested in state outlines

How to Pass the ND Property & Casualty Exam

What You Need to Know

Passing score: 70% (77/110 per exam)
Exam length: 220 questions
Time limit: 150 minutes per exam (300 minutes total)
Exam fee: $64 per exam

Keys to Passing

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

ND Property & Casualty Study Tips from Top Performers

1Study state law early because North Dakota law/regulation is heavily weighted across both line exams

2Memorize core logistics: 110 questions, 150 minutes, 70% passing score, and $64 fee per exam line

3Drill North Dakota auto numbers until instant recall: 25/50/25 liability minimums and $30,000 basic no-fault PIP

4Practice UM/UIM scenarios with North Dakota-specific requirements rather than generic national assumptions

5Treat workers compensation as a North Dakota-specific differentiator and know WSI's exclusive role

6Use timed mixed sets for each line and review misses by statute/rule topic, not just by product type

Frequently Asked Questions

Is North Dakota a combined Property & Casualty exam?

No. North Dakota uses separate Property and Casualty line exams through PSI. Each line exam has 110 total questions and a 150-minute time limit.

What score is required to pass North Dakota Property or Casualty?

Each North Dakota line exam uses a 70% passing standard, which is typically 77 correct out of 110 total questions.

How much does North Dakota P&C testing cost?

PSI lists a $64 fee per line exam. Taking both Property and Casualty therefore requires two exam registrations.

What are the key North Dakota auto numbers to memorize?

North Dakota minimum auto liability limits are 25/50/25. North Dakota also requires UM/UIM in connection with auto liability coverage and includes no-fault PIP medical/rehabilitation benefits up to $30,000 per person.

Does North Dakota require pre-licensing education for P&C?

No. North Dakota does not require pre-licensing education before taking producer line exams, but candidates still need to pass the exams and complete licensing steps.

How is workers compensation different in North Dakota?

North Dakota is a monopolistic workers compensation state. Coverage is generally obtained through Workforce Safety & Insurance (WSI), not private workers compensation carriers.