200+ Free WA Property & Casualty Practice Questions

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

Washington Department of Financial Institutions

Washington Office of the Insurance Commissioner (OIC)

Washington Department of Commerce

Washington Attorney General's Office

to track

2026 Statistics

Key Facts: WA Property & Casualty Exam

150

Total Items

PSI Washington Prop/Cas outline

195 min

Exam Time

PSI Washington Prop/Cas outline

70%

Passing Score

Washington OIC licensing FAQ

$55

Exam Fee

PSI Washington candidate bulletin fee table

45 items

WA Law Weighting

PSI Washington Prop/Cas outline

25/50/10

WA Auto Minimums

Washington OIC auto insurance guidance

No prelicense

Education Prerequisite

Washington OIC prelicensing update

Washington's official outline lists 150 items in 195 minutes for the combined P&C exam, with 45 items specifically on Washington laws, rules, and regulations. Current PSI bulletin guidance uses a 70% passing score and a $55 exam fee for the Property and Casualty Producer Combo. Washington also removed mandatory prelicense education effective July 23, 2023, so candidates can self-study and test.

Sample WA Property & Casualty Practice Questions

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

A.Washington Department of Financial Institutions

B.Washington Office of the Insurance Commissioner (OIC)

C.Washington Department of Commerce

D.Washington Attorney General's Office

Explanation: The Washington Office of the Insurance Commissioner (OIC) is the primary regulator of insurers and producers in Washington, including property and casualty lines. The Commissioner is an elected statewide official who enforces Title 48 RCW, licensing rules, and market-conduct standards. Securities regulation in Washington is handled by the Department of Financial Institutions, not the OIC.

2How many continuing education hours must a Washington property and casualty insurance producer complete every 2 years?

A.10 hours

B.16 hours

C.24 hours

D.30 hours

Explanation: Washington requires property and casualty producers to complete 24 CE hours every two years. At least 3 of those hours must be ethics credits, and the remaining hours can be approved insurance CE coursework. Courses must be completed within the current renewal cycle.

3What is the mandatory ethics continuing education requirement for Washington insurance producers?

A.1 hour of ethics training per renewal period

B.3 hours of ethics training per renewal period

C.5 hours of ethics training per renewal period

D.No specific ethics requirement exists

Explanation: Washington requires 3 hours of ethics within the 24-hour biennial CE total. Ethics training focuses on fiduciary duties, fair dealing, and compliance behavior that directly affects consumers. The remaining CE hours may be completed through approved insurance topics.

4When does a Washington insurance producer's license renewal cycle occur?

A.Annually on the license issuance date

B.Biennially based on the producer's birth date

C.Every three years on December 31

D.Every two years on the last day of December

Explanation: Washington producer licenses renew every two years on a birth-date cycle. This birth-date structure is why CE completion and renewal filing must be handled before the expiration date. Letting the cycle lapse can interrupt authority to transact insurance.

5Under Washington law, what is the minimum age requirement to apply for an insurance producer license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Washington requires insurance producer license applicants to be at least 18 years old. This is consistent with the legal age for entering into contracts in Washington and aligns with most other states' requirements for insurance licensing.

6What prelicense education does Washington require before taking the Property and Casualty producer exam?

A.20 hours of prelicense education

B.40 hours of prelicense education

C.No prelicense education is required

D.60 hours of prelicense education

Explanation: Washington does not require prelicense education for producer licensing exams. The OIC states this requirement was removed effective July 23, 2023. Candidates can still use prep courses, but coursework is optional rather than mandatory.

7What happens if a Washington insurance producer's license lapses and is not reinstated within 12 months?

A.A late fee of $50 is assessed

B.The producer must complete double the CE hours

C.The producer must reapply as a new applicant

D.The license is automatically reinstated after a waiting period

Explanation: If a Washington insurance producer's license lapses, they have 12 months to reinstate it. After 12 months from the lapse date, the producer cannot reinstate and must reapply as a new applicant, which includes retaking any required examinations and meeting all current licensing requirements.

8What passing score is required on Washington producer licensing exams?

A.60%

B.65%

C.70%

D.75%

Explanation: Washington uses a 70% passing standard for producer licensing exams. Because the exam includes both national and Washington law content, candidates should practice above 70% to maintain a margin on test day.

9According to the current PSI candidate bulletin, what is the exam fee for Washington's combined Property and Casualty producer combo exam?

A.$38

B.$48

C.$55

D.$65

Explanation: The current PSI Washington candidate bulletin lists the Property and Casualty Producer Combo exam fee at $55. This testing fee is separate from licensing application and fingerprint/background-processing costs. Fee changes are controlled by the active PSI/OIC program bulletin.

10Which entity administers the Washington Property and Casualty insurance licensing examination?

A.Washington Office of the Insurance Commissioner (OIC) directly

B.Prometric Testing Services

C.PSI Services LLC

D.Pearson VUE

Explanation: PSI Services LLC administers the Washington Property and Casualty insurance licensing examination. Candidates must register through PSI's testing system and take the exam at an authorized testing center. The exam covers both national insurance concepts and Washington-specific regulations.

About the WA Property & Casualty Exam

Washington's combined Property and Casualty producer exam tests national P&C concepts plus Washington law. The official outline is 150 items in 195 minutes, with heavy weighting on Washington statutes/rules, producer compliance, policy concepts, homeowners/commercial forms, auto liability, and unfair-practice standards.

Questions

150 scored questions

Time Limit

3 hours 15 minutes (195 minutes)

Passing Score

70%

Exam Fee

$55 (Washington Office of the Insurance Commissioner (OIC) / PSI Services LLC)

WA Property & Casualty Exam Content Outline

30% (45 items)

Washington Laws, Rules, and Regulations

OIC authority, producer licensing and appointments, unfair trade practices, cancellation/nonrenewal rules, and Washington compliance duties

16% (24 items)

Property and Casualty Insurance Basics

Policy structure, underwriting, valuation, deductibles, conditions, and core coverage concepts

9% (14 items)

General Insurance Concepts

Risk, indemnity, insurable interest, legal interpretations, and insurer/producer roles

13% (20 items)

Personal Lines Concepts

Dwelling policy concepts, homeowners forms, and personal auto fundamentals

30% (45 items)

Commercial and Specialty P&C Lines

Commercial auto/property, CGL, BOP, crime, and other property/casualty coverage types

1% (2 items)

Federal Laws and Regulations

Federal law topics that appear in the national section of the outline

How to Pass the WA Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 3 hours 15 minutes (195 minutes)
Exam fee: $55

Keys to Passing

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

WA Property & Casualty Study Tips from Top Performers

1Start with the official weighting: Washington law is the single largest section (45 of 150 items).

2Memorize core exam logistics early: 150 items, 195 minutes, 70% passing score, and $55 fee.

3Practice mixed national-plus-state sets so you can shift quickly between policy concepts and RCW/WAC questions.

4Drill Washington-specific producer duties: appointments, fiduciary handling of premiums, CE cycles, and reporting obligations.

5Use timed blocks of 65 minutes to build pacing for the full 195-minute sitting.

Frequently Asked Questions

How many questions are on the Washington Property & Casualty exam?

Washington's official combined producer outline is 150 items. The exam is administered by PSI and includes both national content and Washington law.

How much time do you get for the Washington P&C exam?

The Washington combined Property & Casualty exam time limit is 195 minutes (3 hours and 15 minutes). Time management matters because the state-law section is large.

What score do I need to pass the Washington producer exam?

Washington OIC licensing FAQ guidance states a passing score of 70%. Aim above 70% in timed practice to create margin for exam-day pressure.

What is the current exam fee for Washington Property & Casualty Producer Combo?

The current PSI Washington candidate bulletin lists the Property and Casualty Producer Combo exam fee at $55.

Does Washington require prelicense education before testing?

No. Washington OIC states prelicense education is no longer required effective July 23, 2023. Candidates can still use prep coursework, but it is optional.

What Washington-specific law topics are highest yield?

Prioritize OIC authority, producer licensing/appointments, unfair practices (RCW 48.30 and WAC 284-30), cancellation/nonrenewal provisions, and auto financial responsibility basics including 25/50/10 minimum liability limits.