Free Pennsylvania Property Casualty Practice Exam Online

Official exam: Property & Casualty Insurance Producer (Pennsylvania)

Take a free Pennsylvania Property Casualty practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 205-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process

TL;DR

Property & Casualty Insurance Producer (Pennsylvania): a 205-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 (73%) and 75 Pa.C.S. (7%) of this exam's citations.

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.

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Ways to pay for the full bank

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4

full papers, no repeats

50

questions per paper

205

questions in the bank

What this exam covers

Casualty Insurance: Liability and Commercial General Liability12%
Claims, Loss Settlement, Underwriting, Risk Control, and Reinsurance12%
Insurance Contracts, Policy Structure, and Risk Concepts12%
PA Auto Liability Minimums (75 Pa.C.S. 1702, 1711)3%
PA CE Requirements (Act 142: 3-hr ethics + 2-hr flood)3%
PA Choice No-Fault / Tort Election (75 Pa.C.S. 1705)4%
PA FAIR Plan ($500k occupied / $335k vacant)3%
PA Nonresident Licensing & Reciprocity2%
PA Producer Licensing Law2%
PA Property Cancellation & Nonrenewal (31 Pa. Code Ch. 59)3%
PA Unfair Insurance Practices Act (40 P.S. 1171.1)4%
PA Workers Compensation Act (77 P.S. 1)3%
Personal Auto, Commercial Auto, Workers Compensation, and Umbrella12%
Producer Ethics, Advertising, Licensing Duties, and General Regulation12%
Property Insurance: Homeowners, Dwelling, and Commercial Property12%

5 real sample questions

Under Pennsylvania's Motor Vehicle Financial Responsibility Law, what is the minimum required bodily injury liability limit per person?

A. $15,000

B. $25,000

C. $20,000

D. $10,000

Show answer and reasoning

Correct answer: A. $15,000

B: This exceeds the actual Pennsylvania per-person minimum set by 75 Pa.C.S. § 1711.
C: This is higher than the real Pennsylvania statutory minimum.
D: This is lower than the real Pennsylvania statutory minimum.

Source: 75 Pa.C.S. § 1711 (Motor Vehicle Financial Responsibility Law)

Under Pennsylvania's Motor Vehicle Financial Responsibility Law, what is the minimum required bodily injury liability limit per accident?

A. $25,000

B. $40,000

C. $30,000

D. $60,000

Show answer and reasoning

Correct answer: C. $30,000

A: This understates the real Pennsylvania per-accident minimum.
B: This overstates the real Pennsylvania per-accident minimum.
D: This is not Pennsylvania's per-accident minimum; it is well above the statutory floor.

Source: 75 Pa.C.S. § 1711 (Motor Vehicle Financial Responsibility Law)

What is Pennsylvania's minimum required property damage liability limit for a private passenger auto policy?

A. $10,000

B. $7,500

C. $5,000

D. $3,000

Show answer and reasoning

Correct answer: C. $5,000

A: This overstates the real Pennsylvania property damage minimum.
B: This overstates the real Pennsylvania property damage minimum.
D: This understates the real Pennsylvania property damage minimum.

Source: 75 Pa.C.S. § 1711 (Motor Vehicle Financial Responsibility Law)

Under 75 Pa.C.S. § 1711, what minimum first-party medical benefit must an insurer include in a Pennsylvania auto liability policy?

A. $1,000

B. $2,500

C. $10,000

D. $5,000

Show answer and reasoning

Correct answer: D. $5,000

A: This is far below the actual required minimum first-party medical benefit.
B: This is below the actual required minimum first-party medical benefit.
C: This overstates the required minimum; the statutory minimum is lower.

Source: 75 Pa.C.S. § 1711 (Required Benefits)

If a Pennsylvania insurer needs more time to accept or deny a first-party claim after receiving proof of loss, within how many working days must it notify the claimant and give reasons more time is needed?

A. 5 working days

B. 45 working days

C. 30 working days

D. 15 working days

Show answer and reasoning

Correct answer: D. 15 working days

A: This understates the actual required notification window.
B: This significantly overstates the actual required notification window.
C: This overstates the actual required notification window.

Source: 31 Pa. Code § 146.7 (Standards for Prompt, Fair and Equitable Settlements)

Same exam, other states

CA FL GA IL NY OH TX

Real-world data for this exam

Insurance Sales Agents: real median wage (PA)May 2025$73,370/yr

Frequently asked questions

Where can I take a free Pennsylvania Property Casualty practice exam online?

Right here. CertQuestUSA's free Pennsylvania 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 205-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 (Pennsylvania) practice test?

205 questions total, split into 4 full papers of 50 each with no repeats across papers.

What topics does the Property & Casualty Insurance Producer (Pennsylvania) test cover?

15 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 (Pennsylvania) questions come from?

Primarily content.naic.org (73%) and 75 Pa.C.S. (7%) 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 (Pennsylvania) 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.