Indiana property and casualty practice exam
Free property and casualty practice for the Indiana producer exam: 367 general questions plus 12 Indiana state law questions, each with an explanation.
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Getting your Indiana property and casualty license
Indiana's property and casualty exam has 150 questions in 180 minutes and costs $69 through Pearson VUE. A pre-licensing course is required, and you must test within 6 months of finishing it.
- Exam provider
- Pearson VUE
- Exam fee
- $69
- Exam length
- Property and casualty: 150 questions, 180 minutes
- Passing score
- 70 percent
- Pre-licensing education
- Required. Test within 6 months of the course completion date on your certificate.
- Retakes
- Wait 48 hours before retaking an exam
How to plan your retake
Retake rules by state - Continuing education
- 24 hours every 2 years, due by the last day of your birth month. The 3 ethics hours apply only if you are also licensed for life or accident and health.
Official links
- Indiana Department of Insurance - official state insurance department
- Indiana Department of Insurance, Preparing for a Licensing Exam - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Indiana Department of Insurance and your exam's candidate handbook before you register.
Indiana state law questions
Every Indiana question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How many CE hours does the Indiana Department of Insurance require of a resident Property & Casualty producer?
- 16 hours
- 12 hours
- 40 hours
- 24 hours
Show answer
IDOI lists 24 hours for resident producers, including property and casualty and personal lines.
2. How many ethics hours must an Indiana resident producer complete if also licensed in Life and/or Accident & Health?
- 1 hour
- 3 hours
- 6 hours
- 12 hours
Show answer
IDOI requires 3 of the hours to be an Ethics course for producers licensed in Accident & Health and/or Life.
Auto Insurance
3 questions
1. What are Indiana's minimum liability limits as shown by the Indiana BMV?
- $15,000 per person, $30,000 per accident, $10,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $50,000 per person, $100,000 per accident, $50,000 property damage
Show answer
The BMV lists $25,000 for one individual, $50,000 for two or more in one accident, and $25,000 for property damage.
2. According to IDOI, newly written Indiana auto liability policies must include uninsured and underinsured motorist coverage unless the insured:
- Declines it in writing
- Is over age 65
- Has a clean record
- Asks verbally
Show answer
Indiana auto liability policies must include uninsured and underinsured motorist coverage unless the insured declines it in writing, per IDOI. A verbal request does not satisfy the written-rejection rule.
3. The underinsured motorist bodily injury limit listed by IDOI for Indiana is:
- $25,000
- $50,000
- $100,000
- $15,000
Show answer
IDOI lists underinsured motorist bodily injury at $50,000, while uninsured motorist bodily injury is $25,000 per person and $50,000 per accident.
Cancellation and Nonrenewal
3 questions
1. According to IDOI, within the first how many days of a new Indiana auto policy may an insurer cancel it?
- 30 days
- 90 days
- 10 days
- 60 days
Show answer
IDOI says an insurer may cancel in the first 60 days. After 60 days, cancellation is limited to specific reasons.
2. After an Indiana auto policy has been in force more than 60 days, an insurer may cancel for specific reasons such as:
- Nonpayment of premium or loss of the driver's license
- The insured filing one claim
- The insured's age
- A rate increase
Show answer
IDOI lists nonpayment and loss of a driver's license as examples of the limited reasons allowed after 60 days.
3. If an Indiana auto insurer decides not to renew, how much advance notice does IDOI say it must give?
- 45 days
- 60 days
- 20 days
- 10 days
Show answer
IDOI states that the insurer must give 20 days advance notice of non-renewal.
Residual Markets
1 question
1. How can an Indiana driver apply for the Indiana Auto Insurance Plan?
- Only through the BMV
- Only through a court order
- Only through the governor's office
- Through any insurance agent in Indiana
Show answer
IDOI says the plan is available through any agent, and insurers licensed in Indiana share responsibility for these drivers.
Guaranty Association
3 questions
1. For Indiana property and casualty policies, the Indiana Insurance Guaranty Association pays up to how much per covered claim?
- $100,000
- $300,000
- $500,000
- $1,000,000
Show answer
IDOI lists $300,000 per covered claim for insurers placed in rehabilitation or liquidation on or after July 1, 2013.
2. How does the Indiana Insurance Guaranty Association treat workers compensation covered claims?
- Capped at $300,000
- Capped at $100,000
- Unlimited coverage
- Not covered
Show answer
IDOI states there is unlimited coverage for workers compensation covered claims.
3. For the Indiana Insurance Guaranty Association cap, how are claims arising from one person's bodily injury or death counted?
- As a single claim, regardless of how many claims or claimants are involved
- One claim per claimant
- One claim per policy
- One claim per insurer
Show answer
IDOI says all claims arising out of or related to the bodily injury or death of one person constitute a single claim.
Key Indiana terms
15 plain-English cards on Indiana insurance law, from the Indiana flashcard deck.
Licensing and CE
- Indiana P&C CE requirement
- 24 hours for a resident property and casualty producer.
- Indiana ethics hours with life or A&H
- 3 ethics hours apply if also licensed in life or accident and health.
- Indiana P&C prelicensing
- Required. The exam must be taken within 6 months of the course completion date on the certificate.
- Indiana P&C exam
- 150 questions in 180 minutes, with a 70 percent passing score and a $69 fee.
- Indiana exam retake wait
- Wait 48 hours before retaking an exam.
Auto Insurance
- Indiana minimum liability limits
- 25/50/25: $25,000 per person, $50,000 per accident, $25,000 property damage, as shown by the Indiana BMV.
- Indiana UM/UIM offer
- New auto liability policies must include uninsured and underinsured motorist coverage unless the insured declines in writing.
- Indiana underinsured motorist limit
- IDOI lists the underinsured motorist bodily injury limit as $50,000.
Cancellation and Nonrenewal
- Indiana new auto policy cancellation window
- An insurer may cancel a new auto policy within the first 60 days.
- Indiana auto cancellation after 60 days
- After 60 days, only for specific reasons such as nonpayment of premium or loss of the driver's license.
- Indiana auto nonrenewal notice
- An insurer that will not renew must give 20 days notice, according to IDOI.
Residual Markets
- Indiana Auto Insurance Plan
- Drivers apply through any insurance agent in Indiana.
Guaranty Association
- Indiana P&C guaranty limit
- The Indiana Insurance Guaranty Association pays up to $300,000 per covered claim.
- Indiana guaranty workers comp
- Workers compensation covered claims are paid with unlimited coverage.
- Indiana guaranty single-claim rule
- Claims from one person's bodily injury or death count as a single claim, regardless of how many claims or claimants.
Keep studying
The general topics make up most of the exam.
Indiana exam questions
How long is the Indiana property and casualty exam?
150 questions with 180 minutes of seat time. You need 70 percent to pass.Source: Pearson VUE, Indiana Insurance Candidate Handbook (Aug 2026)
How long do I have to test after my Indiana pre-licensing course?
Six months from the course completion date on your certificate.Source: Pearson VUE, Indiana Insurance Candidate Handbook (Aug 2026)
How soon can I retake the Indiana exam?
Wait 48 hours before retaking.Source: Pearson VUE, Indiana Insurance Candidate Handbook (Aug 2026)
How much of the Indiana property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Indiana candidate handbook from your testing provider for the exact content outline.
What does the Indiana 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, Residual Markets, Guaranty Association.
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 Indiana state law questions.