200+ Free OR Property & Casualty 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 Oregon?

Oregon Department of Financial Protection and Innovation (DFPI)

Oregon Division of Financial Regulation (DFR)

Oregon Bureau of Insurance

Oregon Department of Consumer Affairs

to track

2026 Statistics

Key Facts: OR Property & Casualty Exam

150 Q

Exam Length

Prometric OR candidate bulletin

70%

Passing Score

DCBS licensing requirements

25/50/20

Auto Minimums

Oregon auto insurance law

$90

Exam Fee

Prometric

PIP Required

No-Fault Coverage

ORS 742 PIP provisions

24 hrs CE

Biennial Requirement

ORS 744 CE requirements

Oregon requires passing the Prometric exam (150 questions, 70% to pass) with a $90 fee. Key topics: 25/50/20 auto liability minimums, mandatory PIP coverage (no-fault for medical expenses), DCBS regulation under ORS 731-750, ORS 742 policy provisions, workers compensation requirements, and producer licensing. CE requirement is 24 hours biennially with 3 hours of ethics.

Sample OR Property & Casualty Practice Questions

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1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Oregon?

A.Oregon Department of Financial Protection and Innovation (DFPI)

B.Oregon Division of Financial Regulation (DFR)

C.Oregon Bureau of Insurance

D.Oregon Department of Consumer Affairs

Explanation: The Oregon Division of Financial Regulation (DFR), part of the Department of Consumer and Business Services (DCBS), is the primary regulator of all insurance companies and insurance producers in Oregon, including property and casualty lines. The DFR enforces the Oregon Insurance Code (ORS 731-746) and handles licensing, consumer complaints, and market conduct examinations.

2Under Oregon law, which Oregon Revised Statutes (ORS) contain the state's insurance code governing property and casualty insurance?

A.ORS 200-250

B.ORS 446-500

C.ORS 731-746

D.ORS 800-850

Explanation: Oregon Revised Statutes (ORS) 731 through 746 contain the Oregon Insurance Code. These statutes govern all insurance operations in Oregon, including licensing requirements, market conduct, policy forms, rates, and consumer protections. Insurance producers must be familiar with these statutes as part of their pre-licensing education and ongoing compliance obligations.

3How many hours of pre-licensing education must an applicant complete before taking the Oregon Property and Casualty insurance licensing exam?

A.20 hours total

B.40 hours total (20 Property + 20 Casualty)

C.60 hours total (30 Property + 30 Casualty)

D.No pre-licensing education is required in Oregon

Explanation: Oregon requires 40 hours of pre-licensing education for the Property and Casualty license: 20 hours for Property and 20 hours for Casualty. This education must be completed through an approved provider, and the certificate of completion is required to sit for the exam. The certificate is valid for one year from the date of completion.

4What is the passing score requirement for the Oregon Property and Casualty insurance licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: The Oregon Property and Casualty insurance licensing exam requires a passing score of 70%. This means candidates must correctly answer at least 70% of the scored questions. The exam is administered by PSI Services, and candidates must pass both the national and state-specific portions if taking the combined exam.

5Which organization administers the Oregon property and casualty insurance licensing examinations?

A.Pearson VUE

B.Prometric

C.PSI Services

D.Oregon Department of Education

Explanation: PSI Services is the designated examination provider for Oregon insurance licensing exams. PSI handles exam scheduling, administration at their testing centers, and delivery of exam results to the Oregon Division of Financial Regulation. PSI also manages the fingerprinting process required for background checks.

6How many hours of continuing education must Oregon property and casualty producers complete for license renewal?

A.16 hours every 2 years

B.24 hours every 2 years

C.30 hours every 2 years

D.40 hours every 2 years

Explanation: Oregon requires property and casualty producers to complete 24 hours of continuing education every 2 years before license renewal. This must include at least 3 hours in ethics training and 3 hours in Oregon statutes and administrative rules. The remaining 18 hours can be in any approved insurance-related topics.

7Within what time period must an applicant apply for their Oregon insurance license after passing the licensing examination?

A.6 months

B.1 year

C.2 years

D.No time limit

Explanation: Oregon law requires applicants to apply for their insurance license within 1 year of passing the licensing examination. Additionally, the pre-licensing education certificate is only valid for 1 year. Failure to apply within this timeframe requires retaking the examination and possibly the pre-licensing education.

8What is the fee for fingerprinting services through PSI for Oregon insurance license applicants?

A.$25.00

B.$45.00

C.$61.25

D.$75.00

Explanation: PSI charges $61.25 for fingerprinting services for Oregon insurance license applicants. The fingerprints are submitted to the Oregon State Police and FBI for background checks. The results are returned directly to the Oregon Division of Financial Regulation as part of the license application review process.

9What are the minimum continuing education requirements specifically for ethics training for Oregon insurance producers?

A.1 hour of ethics every renewal period

B.3 hours of ethics every renewal period

C.5 hours of ethics every renewal period

D.10 hours of ethics every renewal period

Explanation: Oregon insurance producers must complete at least 3 hours of ethics training as part of their 24-hour continuing education requirement every 2 years. This ethics requirement ensures producers maintain high standards of professional conduct and understand their ethical obligations to clients and the public.

10What is the total cost breakdown for obtaining an Oregon Property and Casualty insurance license, including exam, application, NIPR, and fingerprinting fees?

A.$55 exam + $50 application

B.$55 exam + $75 application + $5.60 NIPR + $61.25 fingerprinting

C.$75 exam + $100 application + $10 NIPR

D.$100 exam + $150 application

Explanation: The total cost to obtain an Oregon P&C license includes: $55 exam fee, $75 license application fee, $5.60 NIPR processing fee, and $61.25 for fingerprinting through PSI. This totals approximately $196.85. Additional costs may include pre-licensing education courses and study materials.

About the OR Property & Casualty Exam

The Oregon Property & Casualty insurance exam covers general insurance principles plus Oregon-specific regulations including ORS 731-750 insurance statutes, ORS 742 policy provisions, 25/50/20 auto liability minimums, mandatory PIP (Personal Injury Protection) coverage, workers compensation, and producer compliance duties under DCBS Division of Financial Regulation oversight.

Questions

150 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$90 (Oregon DCBS Division of Financial Regulation / Prometric)

OR Property & Casualty Exam Content Outline

25%

OR Regulation & Licensing

DCBS Division of Financial Regulation structure, Insurance Commissioner role, ORS 731-750 regulatory framework, Prometric testing, producer authority, 24-hour CE biennially (3 hours ethics), unfair trade practices, rebating prohibition

25%

OR Property Insurance

HO-3 policies, earthquake coverage (Cascadia Subduction Zone risk), flood/NFIP, dwelling fire forms, commercial property, wildfire risk in eastern Oregon, FAIR Plan access

30%

OR Casualty Insurance

25/50/20 auto liability minimums, mandatory PIP coverage (no-fault medical expenses), UM/UIM coverage, workers compensation, ORS 742 policy provisions, CGL, surplus lines

20%

OR Ethics & Guaranty

Oregon Insurance Guaranty Association, unfair claims practices, producer conduct standards, consumer protection, ORS compliance

How to Pass the OR Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes
Exam fee: $90

Keys to Passing

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

OR Property & Casualty Study Tips from Top Performers

1Know auto minimums: 25/50/20 for bodily injury and property damage, plus mandatory PIP coverage

2Understand PIP thoroughly: Oregon's no-fault PIP requirement is one of the most tested unique topics

3Master ORS 731-750 regulatory framework and ORS 742 policy provisions

4Learn the DCBS Division of Financial Regulation structure: it oversees all producer licensing and compliance

5Study earthquake (Cascadia Subduction Zone) and wildfire property risks unique to Oregon's geography

Frequently Asked Questions

How many questions are on the Oregon P&C insurance exam?

The OR P&C exam has 150 scored questions. Prometric administers the exam with 2 hours 30 minutes total. You need 70% to pass (105 correct answers). The exam fee is $90.

What are Oregon's auto insurance minimum requirements?

Oregon requires minimum liability coverage of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage (25/50/20). Oregon also requires mandatory PIP (Personal Injury Protection) coverage, which provides no-fault medical expense benefits regardless of who caused the accident.

What is Oregon's PIP requirement?

Oregon requires Personal Injury Protection (PIP) on all auto policies. PIP is a no-fault coverage that pays medical expenses, lost wages, and essential services for the insured and passengers regardless of fault. PIP minimum coverage is $15,000 per person. This is a heavily tested topic on the OR P&C exam.

What Oregon insurance statutes are tested on the exam?

The primary statutes are ORS 731 through 750, which cover all aspects of insurance regulation in Oregon. ORS 742 specifically covers insurance policy provisions and is frequently tested. Understanding the DCBS Division of Financial Regulation framework and producer licensing under these statutes is essential.

What are the continuing education requirements for OR P&C producers?

Oregon requires 24 hours of continuing education every two years (biennially) for licensed property and casualty insurance producers, including 3 hours of ethics. CE courses must be approved by the DCBS Division of Financial Regulation.