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Idaho property and casualty practice exam

Free property and casualty practice for the Idaho producer exam: 367 general questions plus 15 Idaho state law questions, each with an explanation.

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Getting your Idaho property and casualty license

Idaho gives property and casualty as separate 105-minute Pearson VUE exams, $65 each. No pre-licensing course is required, and passing results are valid for 180 days.

Exam provider
Pearson VUE, at a test center or online (OnVUE)
Exam fee
$65 per exam
Exam format
Property: 50 general + 18 Idaho scored questions, plus 12 pretest. Casualty: 50 general + 20 Idaho scored questions, plus 13 pretest. Each allows 105 minutes.
Pre-licensing education
Not required
Retakes
Wait 24 hours after your last attempt, then pay a new exam fee
How to plan your retake
Retake rules by state
Score valid for
180 days
Continuing education
24 hours every 2 years, including at least 3 hours of ethics

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Idaho Department of Insurance and your exam's candidate handbook before you register.

Sources

Idaho state law questions

Every Idaho question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Idaho insurance department and your exam's content outline.

Licensing and CE

2 questions

1. How many hours of continuing education must an Idaho resident producer complete each two-year license period?

  1. 20 hours, including 2 hours of ethics
  2. 24 hours, including 3 hours of ethics
  3. 30 hours, including 3 hours of ethics
  4. 24 hours, with no ethics hours required
Show answer
B. 24 hours, including 3 hours of ethics
The Idaho Department of Insurance states that resident producers must complete 24 hours of continuing education, with a minimum of 3 hours in ethics.
Source: Idaho DOI, Individual Producer

2. What is the minimum number of ethics hours within an Idaho resident producer's required continuing education?

  1. 1 hour
  2. 2 hours
  3. 4 hours
  4. 3 hours
Show answer
D. 3 hours
Idaho requires at least 3 of the 24 hours to be in the ethics course category in each two-year review period.
Source: Idaho DOI, Individual Producer

Auto Insurance

3 questions

1. What is the minimum bodily injury liability limit for one person in any one accident under Idaho law?

  1. $25,000
  2. $10,000
  3. $15,000
  4. $20,000
Show answer
A. $25,000
Idaho Code 49-117 requires $25,000 for one person, $50,000 for two or more persons, and $15,000 for property damage.
Source: Idaho Code 49-117

2. What is the minimum property damage liability limit for any one accident under Idaho law?

  1. $10,000
  2. $15,000
  3. $20,000
  4. $25,000
Show answer
B. $15,000
Idaho Code 49-117 sets property damage at $15,000, lower than the $25,000 minimum in Nebraska and West Virginia.
Source: Idaho Code 49-117

3. Under Idaho Code 49-117, what is the minimum bodily injury liability limit when two or more persons are hurt in one accident?

  1. $25,000
  2. $30,000
  3. $50,000
  4. $100,000
Show answer
C. $50,000
The statute requires $50,000 for two or more persons, subject to the $25,000 limit for any one person.
Source: Idaho Code 49-117

Cancellation and Nonrenewal

3 questions

1. Under Idaho Code 41-2508, how many days' notice must an insurer give before cancelling a covered automobile policy for a reason other than nonpayment?

  1. At least 20 days
  2. At least 10 days
  3. At least 30 days
  4. At least 45 days
Show answer
A. At least 20 days
Section 41-2508 requires notice at least twenty days before the effective date of cancellation. The policies covered are automobile policies defined in 41-2506.
Source: Idaho Code 41-2508

2. When an Idaho insurer cancels a covered automobile policy for nonpayment of premium, how many days' notice is required?

  1. At least 5 days
  2. At least 15 days
  3. At least 20 days
  4. At least 10 days
Show answer
D. At least 10 days
Idaho Code 41-2508 shortens the notice period to ten days for nonpayment, and the notice must give the reason.
Source: Idaho Code 41-2508

3. How much advance notice must an Idaho insurer give of its intention not to renew a covered automobile policy, other than for nonpayment?

  1. At least 10 days
  2. At least 30 days
  3. At least 20 days
  4. At least 60 days
Show answer
B. At least 30 days
Idaho Code 41-2508(2) requires at least thirty days' advance notice of nonrenewal, mailed or delivered to the address shown on the policy.
Source: Idaho Code 41-2508

Guaranty Association

2 questions

1. Under the Idaho Insurance Guaranty Association Act, what is the most the association pays per claim on covered claims other than unearned premium and workers compensation?

  1. $100,000
  2. $250,000
  3. $300,000
  4. $500,000
Show answer
C. $300,000
Idaho Code 41-3608 caps those covered claims at $300,000 per claim. Workers compensation claims are paid in full.
Source: Idaho Code 41-3608

2. What is the maximum the Idaho Insurance Guaranty Association pays per policy for a covered claim for return of unearned premium?

  1. $10,000
  2. $1,000
  3. $5,000
  4. $25,000
Show answer
A. $10,000
Idaho Code 41-3608 limits unearned premium claims to an amount not exceeding $10,000 per policy.
Source: Idaho Code 41-3608

Workers Compensation

3 questions

1. Under Idaho Code 72-402, an injured employee is not allowed income benefits for the first how many days of disability for work?

  1. 3 days
  2. 7 days
  3. 14 days
  4. 5 days
Show answer
D. 5 days
The first five days are a waiting period. The waiting period does not apply if the employee is hospitalized as an in-patient.
Source: Idaho Code 72-402

2. In Idaho, if an injury causes disability for work that exceeds how long, are income benefits payable from the date of disability?

  1. 1 week
  2. 2 weeks
  3. 4 weeks
  4. 6 weeks
Show answer
B. 2 weeks
Idaho Code 72-402 pays benefits from the date of disability when disability exceeds two weeks, so the five-day waiting period is paid retroactively.
Source: Idaho Code 72-402

3. For total disability, Idaho Code 72-408 sets income benefits for up to 52 weeks at what percentage of the employee's average weekly wage?

  1. 67 percent
  2. 50 percent
  3. 60 percent
  4. 75 percent
Show answer
A. 67 percent
The statute provides 67 percent of the employee's average weekly wage for up to 52 weeks. After that the rate is 67 percent of the state average weekly wage.
Source: Idaho Code 72-408

Residual Markets

1 question

1. Which organization administers Idaho's assigned risk pool for employers who cannot obtain workers compensation coverage elsewhere?

  1. Idaho State Tax Commission
  2. Idaho Insurance Guaranty Association
  3. National Council on Compensation Insurance (NCCI)
  4. Idaho Department of Labor
Show answer
C. National Council on Compensation Insurance (NCCI)
The Industrial Commission's employer guide says the assigned risk pool is administered by NCCI. Idaho Code 72-322 authorizes the assigned risk system.
Source: Idaho Industrial Commission, Workers' Compensation Facts for Employers

Claims Practices

1 question

1. Under Idaho Code 41-1329, listed claim settlement acts are unfair practices if committed intentionally or with such frequency as to indicate what?

  1. A single serious violation
  2. A written company policy
  3. Three violations in a year
  4. A general business practice
Show answer
D. A general business practice
Section 41-1329 lists acts such as failing to acknowledge claim communications promptly. They violate the section when intentional or frequent enough to show a general business practice.
Source: Idaho Code 41-1329

Key Idaho terms

15 plain-English cards on Idaho insurance law, from the Idaho flashcard deck.

Licensing and CE

Idaho resident full-line producer CE
Nonexempt residents with a full line or surety need 24 hours per two-year period, including at least three ethics hours.
Idaho nonresident producer CE treatment
Nonresidents need no Idaho CE but must maintain compliance with their resident state's CE requirements.
Idaho CE posting before renewal
A resident cannot apply for renewal until all required CE is complete and posted.
Idaho producer late renewal deadline
A late renewal is available within one year after expiration; after that, the producer must apply for a new license.
Idaho producer address change deadline
License address changes must be reported to the Department within 30 days.
Idaho reporting criminal or administrative actions
Licensees must report criminal or administrative actions to the Department within 30 days under section 41-1021.
Idaho CE provider credit upload deadline
The provider has 30 days from course completion to upload continuing education credits.

Workers Compensation

Idaho workers compensation coverage options
Employers may use a private carrier, State Insurance Fund, assigned risk pool or approved self-insurance.
Idaho workers compensation self-insurance approval
The Industrial Commission must approve self-insurance; this option requires a large payroll and meeting specific requirements.
Idaho remote employee coverage requirement
An out-of-state employer's employee working from home in Idaho needs workers compensation coverage endorsed for Idaho.
Idaho workers compensation employee threshold
Unless exempt by law, employers with one or more employees must have coverage before employees begin work.
Idaho workers compensation premium responsibility
The employer pays the entire premium; deducting any part from employee wages is prohibited.
Idaho uninsured employer injury liability
An uninsured employer can owe all workers compensation benefits plus a penalty of 10 percent of medical and disability benefits.
Idaho uninsured operation daily penalty
Operating without required coverage can incur $2 per employee per day or $25 per day, whichever is greater.

Residual Markets

Idaho workers compensation assigned risk pool
NCCI administers coverage for employers unable to obtain workers compensation through private carriers or the State Insurance Fund.

Study the Idaho deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

Idaho exam questions

Do I need a pre-licensing course for property and casualty in Idaho?

No. Idaho does not require pre-licensing education.Source: Idaho Department of Insurance, Testing and Fingerprints

How long are Idaho exam results valid?

180 days.Source: Pearson VUE, Idaho Insurance Licensing Candidate Handbook (Oct 2025, rev Mar 2026)

Do I need fingerprints for an Idaho license?

Yes. Idaho requires all applicants for a resident license to submit fingerprints for a background check.Source: Idaho Department of Insurance, Testing and Fingerprints

How much of the Idaho property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Idaho candidate handbook from your testing provider for the exact content outline.

What does the Idaho state law section cover?

Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Guaranty Association, Workers Compensation, Residual Markets, Claims Practices.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Idaho state law questions.