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Free California Property Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (California)

Take a free California Property Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 208-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Property & Casualty Insurance Producer (California): a 208-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 4 full papers of 50 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily content.naic.org (72%) and Cal. Ins. Code (18%) of this exam's citations.

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4
full papers, no repeats
50
questions per paper
208
questions in the bank
What this exam covers
5 real sample questions
Since a legislative change effective March 1, 2023, California's mandatory 3-hour ethics continuing education course must include how much dedicated study of insurance fraud?
A. 3 hours (fraud is the entire course)
B. 1 hour
C. 2 hours
D. No fraud content is required
Show answer and reasoning

Correct answer: B. 1 hour

  • A: Overstates it; fraud study is only 1 of the 3 ethics hours, not the entire course.
  • C: Overstates the fraud component; it is 1 hour, not 2.
  • D: Incorrect; §1749.3 does require 1 hour of fraud study within the ethics course as of March 1, 2023.
Source: Cal. Ins. Code §1749.3
If all of a licensee's appointments in California are terminated, what happens to the licensee's permanent license under §1704?
A. It is automatically revoked
B. It is automatically suspended for 90 days
C. It converts to a restricted license
D. It is not canceled, but becomes inactive
Show answer and reasoning

Correct answer: D. It is not canceled, but becomes inactive

  • A: The license is not revoked merely because appointments end.
  • B: No 90-day suspension is triggered by loss of appointments under §1704.
  • C: No such conversion to a restricted license occurs under §1704.
Source: Cal. Ins. Code §1704
Cal. Ins. Code §675.1's one-year wildfire non-renewal moratorium was enacted through which 2018 legislation?
A. Proposition 103
B. AB 1522
C. The Unfair Practices Act
D. SB 824
Show answer and reasoning

Correct answer: D. SB 824

  • A: Proposition 103 (1988) governs rate regulation generally and did not enact §675.1.
  • B: AB 1522 is unrelated to the §675.1 moratorium.
  • C: The Unfair Practices Act is a different, earlier body of law and did not create §675.1.
Source: Cal. Ins. Code §675.1 (enacted by SB 824, 2018)
What subject does 10 CCR §2695.4 address within California's Fair Claims Settlement Practices Regulations?
A. Standards for prompt, fair, and equitable settlements
B. Representation of policy provisions and benefits
C. Duties upon receipt of communications
D. Preamble and general definitions
Show answer and reasoning

Correct answer: B. Representation of policy provisions and benefits

  • A: That subject is addressed by §2695.7, not §2695.4.
  • C: That subject is addressed by §2695.5, not §2695.4.
  • D: The preamble and general definitions are addressed by §2695.1, not §2695.4.
Source: 10 CCR §2695.4
What subject does 10 CCR §2695.5 address within California's Fair Claims Settlement Practices Regulations?
A. Representation of policy provisions and benefits
B. Preamble and general definitions
C. Duties upon receipt of communications
D. Standards for prompt, fair, and equitable settlements
Show answer and reasoning

Correct answer: C. Duties upon receipt of communications

  • A: That subject is addressed by §2695.4, not §2695.5.
  • B: The preamble and general definitions are addressed by §2695.1, not §2695.5.
  • D: That subject is addressed by §2695.7, not §2695.5.
Source: 10 CCR §2695.5
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (CA)May 2025$76,120/yr
Related reading
How Hard Is the Property & Casualty Insurance Exam? The Real Pass-Rate Picture ›

Frequently asked questions

Where can I take a free California Property Casualty practice exam online?
Right here. CertQuestUSA's free California Property Casualty practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 208-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Property & Casualty Insurance Producer (California) practice test?
208 questions total, split into 4 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (California) test cover?
16 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (12%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (12%), and Insurance Contracts, Policy Structure, and Risk Concepts (12%).
Where do CertQuestUSA's Property & Casualty Insurance Producer (California) questions come from?
Primarily content.naic.org (72%) and Cal. Ins. Code (18%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Property & Casualty Insurance Producer (California) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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