100+ Free PA Property & Casualty Practice Questions
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Key Facts: PA Property & Casualty Exam
54%
Est. First-Time Pass Rate
PA Ins. Dept. 2024
150 Q
Exam Questions
PA Ins. Dept.
24 hrs
Pre-License Education
Required
15/30/5
Auto Minimums
PA Code
$300K
Guaranty Assoc. Limit
Per claim
$48
Exam Fee
PSI
Pennsylvania's P&C exam has an estimated 54% first-time pass rate. Pennsylvania is a choice no-fault state ā drivers can choose full tort or limited tort for auto insurance. The state requires 24 hours of pre-license education, 150 questions in 2.5 hours, and 70% to pass. PA's Insurance Guaranty Association provides $300,000 per claim coverage. Workers compensation is mandatory for most employers.
About the PA Property & Casualty Exam
The Pennsylvania property and casualty insurance exam covers PA Insurance Department licensing requirements, Pennsylvania Insurance Code, the choice no-fault auto system, homeowners coverage, commercial insurance, workers compensation, and Pennsylvania-specific consumer protections including the PA Property Insurance Association (FAIR Plan) and the PA Insurance Guaranty Association.
Questions
150 scored questions
Time Limit
2 hours 30 minutes
Passing Score
70%
Exam Fee
$48 (Pennsylvania Insurance Department / PSI)
PA Property & Casualty Exam Content Outline
PA Insurance Dept. & Licensing
PA Insurance Dept. licensing, 24 hrs pre-license education, license types, appointment, CE (24 hrs/2 yrs)
PA Property Insurance
Homeowners, PA FAIR Plan (Property Insurance Association), commercial property, flood
PA Casualty/Auto Insurance
PA choice no-fault, full tort vs. limited tort, 15/30/5 minimums, workers compensation
PA Ethics & Practices
PA Insurance Code, unfair practices, Guaranty Association, producer conduct, penalties
How to Pass the PA Property & Casualty Exam
What You Need to Know
- Passing score: 70%
- Exam length: 150 questions
- Time limit: 2 hours 30 minutes
- Exam fee: $48
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
PA Property & Casualty Study Tips from Top Performers
Frequently Asked Questions
How hard is the Pennsylvania property and casualty insurance exam?
The PA P&C exam has an estimated 54% first-time pass rate with 150 questions in 2.5 hours, requiring 70% to pass. Pennsylvania's unique choice no-fault auto system (full tort vs. limited tort) is heavily tested.
How does Pennsylvania's choice no-fault auto insurance work?
Pennsylvania allows drivers to choose between full tort and limited tort. Full tort allows unlimited right to sue for pain and suffering. Limited tort limits the right to sue to 'serious injury' but has lower premiums. Minimum coverage is 15/30/5 with first-party medical benefits of $5,000.
What is the PA Property Insurance Association (FAIR Plan)?
The PA Property Insurance Association provides property insurance to property owners who cannot obtain coverage in the voluntary market. It covers dwelling fire and extended coverage. All property insurers in PA must participate in the plan proportionally to their market share.
Is workers compensation required in Pennsylvania?
Yes, workers compensation insurance is mandatory for nearly all Pennsylvania employers. PA uses a no-fault system for workplace injuries. The state has unique provisions including 90-day waiting period for new hires under employer panel requirements for medical providers.