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Free Illinois Property and Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (Illinois)

Take a free Illinois Property and Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 194-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 (Illinois): a 194-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 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 (74%) and 215 ILCS 5/154.6 (4%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
194
questions in the bank
What this exam covers
5 real sample questions
Under the Illinois Vehicle Code, what is the minimum bodily injury liability limit per person that an Illinois auto insurance policy must provide?
A. $15,000
B. $20,000
C. $25,000
D. $30,000
Show answer and reasoning

Correct answer: C. $25,000

  • A: Illinois's minimum bodily injury liability per person is higher than $15,000 under 625 ILCS 5/7-203.
  • B: Illinois's minimum bodily injury liability per person is higher than $20,000 under 625 ILCS 5/7-203.
  • D: Illinois's minimum bodily injury liability per person is $25,000, not $30,000, under 625 ILCS 5/7-203.
Source: 625 ILCS 5/7-203
Under the Illinois FAIR Plan, an applicant seeking basic property insurance through the Facility must generally demonstrate diligent effort to obtain coverage in the voluntary market. How many declinations (attempts to procure insurance) does 215 ILCS 5/524 require as evidence of this diligent effort?
A. Three attempts to procure insurance
B. One attempt to procure insurance
C. Five attempts to procure insurance
D. No prior attempt is required if the property is in a designated area
Show answer and reasoning

Correct answer: A. Three attempts to procure insurance

  • B: Illinois law requires evidence of diligent effort beyond a single attempt; one declination alone does not satisfy 215 ILCS 5/524.
  • C: Illinois's FAIR Plan procedure requires three attempts, not five; overstating the number misstates the statutory standard.
  • D: A prior attempt to procure insurance in the voluntary market is required under 215 ILCS 5/524 regardless of the property's location.
Source: 215 ILCS 5/524
What is the primary purpose of the Illinois FAIR Plan Association, as established under Article XXXIII of the Illinois Insurance Code?
A. To provide workers' compensation coverage to small employers who cannot obtain it elsewhere
B. To serve as a residual market mechanism providing basic property insurance to applicants who cannot obtain it in the voluntary market
C. To regulate auto insurance rates for high-risk drivers statewide
D. To adjudicate disputes between policyholders and the Illinois Department of Insurance
Show answer and reasoning

Correct answer: B. To serve as a residual market mechanism providing basic property insurance to applicants who cannot obtain it in the voluntary market

  • A: The FAIR Plan is a property insurance mechanism under Article XXXIII; workers' compensation residual coverage is handled through a separate assigned risk mechanism, not the FAIR Plan.
  • C: The FAIR Plan does not set or regulate auto insurance rates; it is a property insurance market of last resort.
  • D: The FAIR Plan is an insurance-writing facility, not an adjudicative body for disputes with the Department of Insurance.
Source: 215 ILCS 5/Article XXXIII (Urban Property Insurance)
What is the approximate maximum amount of coverage available on a single property risk written through the Illinois FAIR Plan?
A. $500,000
B. $750,000
C. $1,000,000
D. $2,500,000
Show answer and reasoning

Correct answer: C. $1,000,000

  • A: Illinois FAIR Plan coverage limits extend beyond $500,000 on a single risk.
  • B: Illinois FAIR Plan coverage limits extend beyond $750,000 on a single risk.
  • D: Illinois FAIR Plan coverage does not extend to $2,500,000; its published maximum is $1,000,000.
Source: Illinois FAIR Plan Association coverage guidelines, implementing 215 ILCS 5/Article XXXIII
Which type of coverage is NOT available through the Illinois FAIR Plan?
A. Basic fire coverage
B. Extended coverage perils
C. Vandalism and malicious mischief coverage
D. Liability coverage
Show answer and reasoning

Correct answer: D. Liability coverage

  • A: Fire coverage is a core basic peril written by the Illinois FAIR Plan.
  • B: Extended coverage perils are among the basic perils the Illinois FAIR Plan writes.
  • C: Vandalism and malicious mischief coverage can be added to Illinois FAIR Plan policies as a basic peril.
Source: Illinois FAIR Plan Association coverage guidelines, implementing 215 ILCS 5/Article XXXIII
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (IL)May 2025$64,280/yr

Frequently asked questions

Where can I take a free Illinois Property and Casualty practice exam online?
Right here. CertQuestUSA's free Illinois Property and 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 194-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 (Illinois) practice test?
194 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Property & Casualty Insurance Producer (Illinois) test cover?
14 domains, with the heaviest weight on Casualty Insurance: Liability and Commercial General Liability (13%), Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance (13%), and Insurance Contracts, Policy Structure, and Risk Concepts (13%).
Where do CertQuestUSA's Property & Casualty Insurance Producer (Illinois) questions come from?
Primarily content.naic.org (74%) and 215 ILCS 5/154.6 (4%) 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 (Illinois) 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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