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Property and casualty insurance (California) exam: 150 questions, 3 hours 15 minutes, free practice
The Property and casualty insurance (California) exam, owned by the California Department of Insurance, has 150 scored questions and a 195-minute limit. Passing standard: 60% of scored questions right. We have not recorded the exam fee. Figures checked 2026-10-08 against the published pages of the California Department of Insurance.
Exam at a glance
| Item | Detail | Checked |
|---|---|---|
| Owner | California Department of Insurance (insurance.ca.gov) | 2026-10-08 |
| Delivered by | Pearson VUE | 2026-10-08 |
| Questions | 150 scored | 2026-10-08 |
| Time allowed | 195 minutes | 2026-10-08 |
| Passing standard | 60% of scored questions right | 2026-10-08 |
| Exam fee | Not recorded here (California Department of Insurance exam page) | 2026-10-08 |
| Retake rule | See the owner's handbook (California Department of Insurance) | 2026-10-08 |
| Languages offered | English, Spanish | 2026-10-08 |
| Outline version | California Department of Insurance, 2025 Property License Examination Objectives and 2025 Casualty License Examination Objectives (combined for the Property and Casualty broker-agent examination, administered by PSI) (Outline) | 2026-10-08 |
| Last verified | 2026-10-08 | 2026-10-08 |
Last verified 2026-10-08. The next scheduled re-check is 2026-10-08, the earliest date set on any question in this bank.
Free practice
Practice and timed mocks are free, with right or wrong on every answer and your total score. The full analysis is $39, once.
Do you need it to work?
All states: Florida law makes it unlawful to sell or solicit insurance without a license from the Department of Financial Services, and each state licenses insurance producers under its own law. Florida Statutes, Section 626.112 (License required), retrieved 2026-10-07.
What is on the exam
| Domain | Weight |
|---|---|
| General Insurance | 15% |
| Property Insurance and Casualty Insurance (basics, policies, classes) | 15% |
| Personal Lines Insurance | 37% |
| Commercial Insurance Coverages | 32% |
| Pet Insurance | 1% |
Official outline: www.insurance.ca.gov/0200-industry/0030-seek-pre-lic/upload/2025-Property-License-Examination-Objectives.docx, checked 2026-10-08.
How hard is it: pass rate
This page does not show a pass rate yet. We add a figure only after we read it on California Department of Insurance's own page and record the year it covers, so a number here always has a year and a source.
What it costs and how long it takes
| Item | Detail | Checked |
|---|---|---|
| Exam, application and first-license fees | $317 (courses and tuition not included) | 2026-10-12 |
How these were worked out
Fees: CDI schedule effective March 3, 2019 lists $188 filing and $55 examination for the Property and Casualty Broker-Agent; Capital Live Scan fingerprinting is $74 (PSI bulletin, Feb 2025) = $317. A PSI test site adds a $43 convenience fee, so 317 is the low end. Courses are not included.
Compare states
The same credential costs a different amount of time and money in each state we have read. Rows are sourced to each board and dated.
Property and casualty insurance agent license
| State | Typical time | Exam, application and first-license fees | Minimum age | Checked |
|---|---|---|---|---|
| California | Not found | $317 | Not found | 2026-10-12 |
| Texas | Not found | $99 | 18 | 2026-10-12 |
How these were worked out, and where they come from
CA: Fees: CDI schedule effective March 3, 2019 lists $188 filing and $55 examination for the Property and Casualty Broker-Agent; Capital Live Scan fingerprinting is $74 (PSI bulletin, Feb 2025) = $317. A PSI test site adds a $43 convenience fee, so 317 is the low end. Courses are not included.
TX: Fees: $49 General Lines Property and Casualty exam (Texas Insurance Licensing Candidate Handbook, Oct 2024) plus $50 license application fee (handbook, Application Fees) = $99. Fingerprints through IdentoGO are extra and not priced here; courses are not included. Age 18 per the handbook. Months and record policy not verified for Texas.
- Florida Department of Financial Services, agent license fees, retrieved 2026-10-11.
- Texas Department of Insurance, general lines life, accident and health application, retrieved 2026-10-11.
- California Department of Insurance, life agent requirements, retrieved 2026-10-11.
- O*NET 31.0 Database: interests, abilities, work styles, job zones, work context, retrieved 2026-10-11.
- O*NET 30.2 Database: work values (dropped from 31.0), retrieved 2026-10-11.
- BLS Employment Projections Table 1.2, 2025-2035, retrieved 2026-10-11.
- BLS OEWS May 2025 national estimates, retrieved 2026-10-11.
How these questions are made
The questions are drafted with AI (Anthropic's Claude) from the official outline and primary sources. They are not copied from real exams. The DecipherU item team checks each one against the source it cites, and a blind independent AI review answers each without the key. A licensed professional has not reviewed them unless this page says so. Details are on the AI disclosure page.
Who stands behind this page
- Accountable editor
- Julian Calvo, Ed.D., founder. Ed.D. in Learning Sciences (University of Miami), MBA (Lynn University), Master's in Organizational Learning and Leadership (Barry University). His credentials are in learning sciences and assessment design, not in the field this exam covers.
- Licensed professional review
- None on record. No licensed professional has reviewed this question bank. It is drafted with AI and checked against its cited sources by the DecipherU item team.
- How the questions are made
- Drafted with AI (Anthropic's Claude) from the official outline and primary sources, then checked against the source each question cites by the DecipherU item team. Julian Calvo designed this method. No real exam content is used. Read the AI disclosure and the methodology.
- What this bank shows
- 90 live questions; 90 cite at least one primary source. 16 carry a re-check date (the earliest is 2026-10-08), and 16 are past it.
- Facts last checked
- . Found a mistake? Report it in the corrections log.
Frequently asked questions
How many questions are on the Property and casualty insurance (California) exam?
The exam has 150 scored questions. Source: California Department of Insurance, checked 2026-10-08.
How long is the Property and casualty insurance (California) exam?
You have 195 minutes in total. Source: California Department of Insurance, checked 2026-10-08.
What score do you need to pass the Property and casualty insurance (California) exam?
Passing standard: 60% of scored questions right. Source: California Department of Insurance, checked 2026-10-08.
How much does the Property and casualty insurance (California) exam cost?
We have not recorded the exam fee yet. California Department of Insurance sets it, so check its exam page before you register.
What is the Property and casualty insurance (California) pass rate?
This page does not show a pass rate yet. We add one only after reading it on California Department of Insurance's own page, with the year it covers.
Are the Property and casualty insurance (California) practice questions real exam questions?
No. They are original questions drafted with AI from the official outline and primary sources. No real exam content was used.
Sources
- California Department of Insurance, 2025 Property License Examination Objectives and 2025 Casualty License Examination Objectives (combined for the Property and Casualty broker-agent examination, administered by PSI), California Department of Insurance, retrieved 2026-10-08.
- PSI, California Insurance Candidate Information Bulletin (combined exam: 150 scored questions, 195 minutes, 60 percent), California Department of Insurance, retrieved 2026-10-07.
Last verified 2026-10-08. Questions are AI-drafted and source-checked. DecipherU is not affiliated with the Florida Department of Financial Services or Pearson VUE. No ISO policy language is reproduced. Every practice question is original and written from Florida law, federal law and the official outline. Found a mistake? Read the corrections log or report it there.