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435+ Free NJ P&C Practice Questions

Prepare for the New Jersey Property & Casualty Insurance Exam exam with instant access — no signup required.

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2026 Statistics

Key Facts: NJ P&C Exam

70%

Passing Score

PSI outlines

79 / 91

Property / Casualty Items

PSI outlines

3.5 hrs

Each Exam

PSI bulletin

20 + 20

Education Hours

NJDOBI

2 years

License Term

NJDOBI

New Jersey uses separate PSI Property and Casualty producer examinations. Property has 79 specified items and Casualty has 91; each allows 3 hours 30 minutes and requires 70%. PSI may add 5–19 unscored experimental items.

Sample NJ P&C Practice Questions

Try these sample questions to test your NJ P&C exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 435+ question experience with AI tutoring.

1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in New Jersey?
A.New Jersey Department of Treasury
B.New Jersey Department of Banking and Insurance (DOBI)
C.New Jersey Division of Consumer Affairs
D.New Jersey Department of Law and Public Safety
Explanation: The New Jersey Department of Banking and Insurance (DOBI) is the primary regulator of all insurance companies and insurance producers in New Jersey, including property and casualty lines. DOBI is responsible for licensing, consumer protection, rate regulation, and enforcement of insurance laws under Title 17 of the New Jersey Statutes.
2How many hours of pre-license education does New Jersey require before a candidate can take the Property & Casualty insurance license exam?
A.20 hours
B.40 hours
C.60 hours
D.80 hours
Explanation: New Jersey requires 40 hours of pre-license education to qualify for the Property & Casualty insurance license exam. This education must cover general insurance principles, property insurance, casualty insurance, and New Jersey-specific insurance laws and regulations. The requirement applies to each major line of authority.
3How often must a New Jersey property and casualty insurance producer renew their license?
A.Annually
B.Every 2 years (biennially)
C.Every 3 years
D.Every 4 years
Explanation: New Jersey insurance producer licenses must be renewed biennially (every 2 years). The renewal deadline is the last day of the producer's birth month. Licenses can be renewed up to 90 days before the expiration date. There is a 30-day grace period after expiration for late renewal with an additional fee.
4What is the passing score for the New Jersey Property & Casualty insurance licensing exam?
A.60%
B.65%
C.70%
D.75%
Explanation: New Jersey property and casualty licensing exams require a passing score of 70%. The exams are administered by PSI Services LLC. New Jersey gives two separate exams: the Property Producer exam (79 scored questions) and the Casualty Producer exam (91 scored questions), each with a 3.5-hour (210-minute) time limit.
5Within how many days must a New Jersey producer notify DOBI of a change of address?
A.10 days
B.30 days
C.45 days
D.60 days
Explanation: Under New Jersey producer licensing regulations (N.J.A.C. 11:17-2.7), producers must notify the Department of Banking and Insurance of any change in address, including email address, within 30 days of the change. This includes both residential and business address changes. Failure to report changes may result in disciplinary action.
6How many continuing education (CE) credits must New Jersey P&C producers complete per renewal period?
A.12 credits every 2 years
B.24 credits every 2 years
C.24 credits every 3 years
D.36 credits every 2 years
Explanation: New Jersey resident producers generally complete 24 CE hours in each two-year license term, including at least 3 hours of ethics. Current NJDOBI materials do not publish a blanket exemption based solely on 25 consecutive years of licensure.
7What is the fee for each New Jersey property or casualty licensing exam?
A.$38
B.$50
C.$75
D.$100
Explanation: Each New Jersey insurance licensing exam (the Property exam and the Casualty exam are separate) costs $38, paid to PSI Services LLC, the testing vendor, at the time of scheduling. Candidates who need to retake an exam must pay the fee again. The fee covers administration of the exam through PSI testing centers or remote proctoring.
8Under New Jersey law, a nonresident producer may obtain a New Jersey license if they meet which requirement?
A.They must complete New Jersey's 40-hour pre-license course
B.They must hold a valid license in their home state with equivalent line of authority
C.They must establish a physical office in New Jersey
D.They must pass the New Jersey-specific insurance exam only
Explanation: New Jersey follows the NAIC producer licensing model, which allows nonresident producers to obtain a New Jersey license if they hold a valid and active license in their home (resident) state with an equivalent line of authority. Nonresidents do not need to complete New Jersey's pre-license education or take the New Jersey exam, but must submit to background checks and apply through NIPR.
9What happens if a New Jersey producer does not renew their license on time but acts within one year after expiration?
A.The license is automatically renewed with no penalty
B.The producer may still late-renew, but must pay a late-renewal penalty
C.The license is permanently revoked
D.The producer must immediately reapply as a brand-new applicant and retake the exam
Explanation: After expiration, New Jersey allows a 30-day grace period to renew without penalty. From 31 days up to one year after expiration, the producer may still late-renew but must pay a late-renewal penalty (a $100 penalty on top of the renewal fee per the DOBI fee schedule) and complete any outstanding CE. Only if more than one year passes does the producer have to reapply as a new applicant.
10Per the NJDOBI fee schedule, what is the late-renewal penalty (in addition to the renewal fee) for a major-lines producer license renewed late?
A.$50
B.$100
C.$250
D.$500
Explanation: Under the New Jersey Department of Banking and Insurance fee schedule, a late renewal/reinstatement of a major-lines producer license carries a $100 penalty in addition to the $150 license fee and $20 processing fee (total $270). Late renewal is available from 31 days up to one year after expiration.

About the NJ P&C Exam

New Jersey uses separate Property Producer and Casualty Producer examinations covering national insurance concepts and New Jersey producer, property, auto, residual-market, and workers compensation law.

Assessment

Question count varies by module

Time Limit

3 hours 30 minutes for each separate examination

Passing Score

70%

Exam Fee

$38 per examination ($76 for both Property and Casualty) under the current PSI Candidate Information Bulletin (New Jersey DOBI / PSI)

NJ P&C Exam Content Outline

Property: 79 items

Property Producer Outline

National property concepts and New Jersey common and property law

Casualty: 91 items

Casualty Producer Outline

National casualty concepts and New Jersey common and casualty law

70%

Passing Standard

Candidates must pass each examination separately

How to Pass the NJ P&C Exam

What You Need to Know

  • Passing score: 70%
  • Assessment: Question count varies by module
  • Time limit: 3 hours 30 minutes for each separate examination
  • Exam fee: $38 per examination ($76 for both Property and Casualty) under the current PSI Candidate Information Bulletin

Keys to Passing

  • Work through all 435 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

NJ P&C Study Tips from Top Performers

1Master New Jersey-specific statutes and regulations — they are heavily weighted on the exam
2Know the New Jersey guaranty association coverage limits and triggering events
3Understand New Jersey producer licensing requirements: pre-license education, CE, and appointment rules
4Study New Jersey auto insurance requirements including minimum liability limits
5Complete 200+ practice questions and score 80%+ consistently before scheduling

Frequently Asked Questions

How hard is the New Jersey Property & Casualty insurance exam?

New Jersey uses two separate PSI exams. Property has 79 specified items and Casualty has 91; each allows 3 hours 30 minutes and requires 70%. PSI may add unscored experimental items.

What are New Jersey's pre-license education requirements?

New Jersey requires approved pre-license education before taking the Property & Casualty exam. Check with the New Jersey DOBI for current hour requirements and approved providers.

How much does the New Jersey Property & Casualty exam cost?

The current PSI Candidate Information Bulletin lists $38 per examination, so taking both Property and Casualty costs $76 in exam fees. The NJDOBI FAQ still shows an older $47 amount; verify the checkout price before paying. Licensing, application processing, education, and fingerprinting are separate.

How long should I study for the NJ Property & Casualty exam?

Most candidates study 40-80 hours over 2-4 weeks beyond pre-license education. Focus on New Jersey-specific statutes and regulations, as these topics distinguish the state exam from general content.