200+ Free NJ P&C Practice Questions

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Question 1

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Which state agency has primary regulatory authority over property and casualty insurance companies and producers in New Jersey?

New Jersey Department of Treasury

New Jersey Department of Banking and Insurance (DOBI)

New Jersey Division of Consumer Affairs

New Jersey Department of Law and Public Safety

to track

2026 Statistics

Key Facts: NJ P&C Exam

~65-75%

Est. Pass Rate

Varies by admin.

150

Exam Questions

New Jersey DOBI

70%

Passing Score

New Jersey DOBI

2 hours 30 minutes

Exam Duration

New Jersey DOBI

$47

Exam Fee

PSI

The New Jersey Property & Casualty insurance exam has 150 questions in 2 hours 30 minutes, requiring 70% to pass. The exam covers national property and casualty content plus New Jersey-specific statutes, regulations, and producer law. Fee: $47.

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 200+ 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: The New Jersey Property & Casualty insurance licensing exam requires a passing score of 70%. The exam is administered by PSI Services LLC and consists of 150 scored questions covering property insurance, casualty insurance, and New Jersey-specific insurance laws. Candidates have 2.5 hours to complete the exam.

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 requires property and casualty insurance producers to complete 24 hours of continuing education (CE) every 2-year license renewal period. Of these 24 hours, at least 3 hours must be in ethics. Producers who have been licensed for 25 or more consecutive years are exempt from the CE requirement except for ethics courses.

7What is the fee for the New Jersey Property & Casualty licensing exam?

A.$47

B.$50

C.$75

D.$100

Explanation: The New Jersey Property & Casualty insurance licensing exam fee is $47. This fee is paid directly to PSI Services LLC, the testing vendor, at the time of scheduling. Candidates who need to retake the 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 fails to renew their license within the grace period?

A.The license is automatically renewed with a late fee

B.The producer must reapply as a new applicant and retake the exam

C.The license is permanently revoked

D.The producer can continue selling insurance for 90 additional days

Explanation: If a New Jersey producer fails to renew within the 30-day grace period after expiration, the license terminates. The producer must then apply as a new applicant, which includes completing pre-license education, passing the licensing exam again, and submitting fingerprints for a background check. This is why timely renewal is critical.

10What is the late fee for renewing a New Jersey producer license after the expiration date but within the grace period?

A.$50

B.$100

C.$250

D.$500

Explanation: New Jersey charges a late fee of $250 for renewing a producer license after the expiration date but within the 30-day grace period. This late fee is in addition to the regular renewal fee. After the grace period expires, the license terminates and the individual must reapply as a new applicant.

About the NJ P&C Exam

New Jersey P&C Producer exam covering DOBI regulations, producer licensing, homeowners, commercial property, auto insurance (15/30/5 minimums + $15,000 PIP), Choice No-Fault system, NJ FAIR Plan, workers compensation, and ethics

Questions

150 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$47 (New Jersey DOBI / PSI)

NJ P&C Exam Content Outline

25%

New Jersey Insurance Regulation

New Jersey DOI/department requirements, producer licensing, pre-license education, continuing education, appointment process

25%

New Jersey Property Insurance Laws

New Jersey homeowners requirements, commercial property, builders risk, inland marine, and state-specific mandates

25%

New Jersey Casualty Insurance Laws

New Jersey auto insurance requirements, liability minimums, workers compensation, general liability, and umbrella/excess

25%

New Jersey Ethics & Practices

Unfair trade practices, producer conduct, New Jersey guaranty association, penalties, and compliance requirements

How to Pass the NJ P&C Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes
Exam fee: $47

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
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?

The New Jersey Property & Casualty exam has 150 questions in 2 hours 30 minutes, requiring 70% to pass. New Jersey-specific topics like state statutes, producer law, and guaranty association rules are heavily tested.

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 exam fee is $47, administered by New Jersey DOBI / PSI. Additional fees may apply for fingerprinting and license application.

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.