North Dakota Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE North Dakota Property & Casualty Insurance exam prep guide. This comprehensive resource covers North Dakota-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026 and begin your career as a licensed P&C producer in the Peace Garden State.

About the North Dakota P&C Exam

The North Dakota Property & Casualty insurance examinations are administered by PSI Services on behalf of the North Dakota Insurance Department (NDID). North Dakota requires TWO separate exams - Property and Casualty. The exams test your knowledge of:

• North Dakota insurance law and regulations (NDCC Title 26.1)
• Property insurance principles and coverages
• Casualty insurance including auto and liability
• Policy provisions, conditions, and endorsements
• Ethics and professional conduct
• Claims handling and consumer protection
• North Dakota's monopolistic workers' compensation system (WSI)

Exam Structure

Critical: North Dakota requires 70% on EACH exam: with 110 questions per exam, you need at least 77 correct answers on each test (PSI North Dakota bulletin).

Exam Options

Recommendation: Take both exams to obtain a full P&C license. You can take them on the same day (5 hours total) or schedule them separately.

Major Advantage: No Pre-Licensing Education Required

North Dakota does NOT require any pre-licensing education. You can schedule and take the exam without completing any courses.

North Dakota Pre-Licensing Requirements (2026)

What This Means for You

• No course requirement - Schedule your exam whenever you're ready
• Self-paced study - Use free resources like OpenExamPrep
• Lower upfront cost - No mandatory education fees
• Faster to license - No waiting for course completion

Exam Tip: North Dakota doesn't require pre-licensing education, but you still need 77 of 110 correct on each exam, so plan a structured self-study schedule before attempting it.

North Dakota Auto Insurance Requirements

North Dakota is a no-fault state for bodily-injury economic loss: every owner must carry basic no-fault benefits (N.D.C.C. 26.1-41). Here are the mandatory minimum liability limits:

North Dakota Minimum Auto Insurance (25/50/25)

Exam Note: Memorize North Dakota's 25/50/25 minimums - this is commonly tested. Note that ND's property damage minimum ($25,000) is standard compared to Montana's lower $20,000.

Additional North Dakota Auto Coverage Rules

Monopolistic Workers' Compensation in North Dakota

North Dakota is one of only FOUR states with a monopolistic state fund for workers' compensation. This is a critical exam topic.

Workforce Safety & Insurance (WSI)

Why This Matters for the Exam

• North Dakota is one of only 4 states with monopolistic workers' comp (along with Ohio, Washington, and Wyoming)
• Private insurers CANNOT write workers' compensation in North Dakota
• All employers must obtain coverage through WSI
• This is frequently tested - know the difference from other states

Critical Exam Topic: When the exam asks about workers' compensation in North Dakota, remember that WSI (Workforce Safety & Insurance) is the ONLY provider. Private insurance companies cannot compete in this market.

License Application Process

Step-by-Step Process

1. Study and Prepare (Recommended 4-6 weeks)

   • Complete this FREE study guide
   • Review national P&C concepts
   • Take practice quizzes until scoring 85%+
   • No pre-licensing course required

2. Register for Exams

   • Create account at PSI Services (psiexams.com)
   • Pay $64 for Property exam
   • Pay $64 for Casualty exam
   • Total exam fees: $128
   • Schedule at testing center or online proctored

3. Complete Fingerprinting

   • Required for resident applicants (not when adding a line to an existing ND license)
   • BCI fee: $40 (check or money order payable to the North Dakota Attorney General)
   • PSI processing fee: $29 if PSI takes your prints at a test center
   • Or use another fingerprint location or a law enforcement center and send the card and $40 to the state yourself

4. Pass Both Exams

   • Property: 110 questions, 150 minutes, 77 correct (70%) required
   • Casualty: 110 questions, 150 minutes, 77 correct (70%) required
   • Can take both on same day or separately
   • Receive immediate results

5. Apply for License

   • Apply through NIPR (NAIC Uniform Application)
   • License fee: $100
   • Plus NIPR's transaction fee
   • Submit within 1 year of passing exams

6. Receive License

   • NDID reviews application and background check
   • License issued upon approval
   • File a biennial license continuation ($25) every two years
   • Begin selling P&C insurance in North Dakota

Exam Retake Policy

Important: Passing exam scores are valid for only 1 year. You must apply for your license within 1 year of passing or you'll need to retake the exams.

Total Costs Summary

Budget Note: North Dakota has no pre-licensing education requirement, so the core licensing cost is approximately $300.

License Maintenance

Continuing Education Topics

North Dakota requires 24 hours of CE every 2 years including:

• Property insurance updates
• Casualty insurance updates
• North Dakota insurance law changes
• Ethics (minimum 3 hours)

North Dakota Insurance Department Contact

What This Guide Covers

This FREE study guide focuses on North Dakota state-specific content for the P&C exam:

Chapter 1: North Dakota Insurance Regulation & Licensing

• North Dakota Insurance Department structure
• NDCC Title 26.1 Insurance Code
• Producer licensing requirements and CE
• Prohibited practices and disciplinary actions

Chapter 2: North Dakota Property Insurance Laws

• Homeowners insurance requirements
• Commercial property coverage
• Hail and tornado coverage (critical for ND)
• Agricultural and farm property insurance
• Claims handling requirements

Chapter 3: North Dakota Casualty Insurance Laws

• Auto insurance minimums (25/50/25)
• No-fault (basic no-fault benefits up to $30,000) and liability rules
• Workforce Safety & Insurance (WSI) - monopolistic workers' comp
• Commercial liability coverage

Chapter 4: Ethics & Consumer Protection

• Unfair trade practices
• Claims handling requirements
• North Dakota Insurance Guaranty Association
• Producer conduct standards

Note: This guide covers ONLY North Dakota state law. Complete the national Property & Casualty exam prep first for foundational insurance knowledge.

Study Tips for Success

Key Numbers to Memorize

North Dakota-Specific Study Focus

1. Monopolistic Workers' Comp - WSI is the ONLY provider; private insurers cannot compete
2. Two Separate Exams - Must pass both Property AND Casualty
3. 70% Passing Score - 77 of 110 correct on each exam
4. Auto Minimums 25/50/25 - plus mandatory UM/UIM and $30,000 basic no-fault benefits
5. Hail and Weather - Major exposure in North Dakota
6. Agricultural Coverage - Farm policies are common and tested

North Dakota-Specific Insurance Considerations

Weather-Related Exposures

North Dakota's climate creates unique insurance needs:

Agricultural Economy

North Dakota is heavily agricultural - understand these coverage types:

Next Steps

Ready to begin? Here's your action plan:

1. Complete this FREE study guide - Read all 4 chapters
2. Study national P&C concepts - See our Property & Casualty exam prep
3. Take chapter quizzes - Test your knowledge
4. Register with PSI Services - Schedule both exams ($128)
5. Complete fingerprinting - $40 BCI, plus $29 if PSI takes the prints
6. Pass both exams - 77 of 110 correct on each
7. Apply for license - $100 license fee through NIPR within 1 year

Remember: North Dakota has no pre-licensing requirement, so you can start studying today and schedule your exam whenever you're ready. Focus especially on the WSI workers' compensation system - North Dakota is one of four monopolistic states.

Let's get started with Chapter 1: North Dakota Insurance Regulation & Licensing!