Minnesota property and casualty practice exam
Free property and casualty practice for the Minnesota producer exam: 367 general questions plus 16 Minnesota state law questions, each with an explanation.
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Getting your Minnesota property and casualty license
Minnesota's combined property and casualty exam allows 3 hours and costs $45 through PSI. You need 20 hours of pre-licensing per line, and exam results are good for three years.
- Exam provider
- PSI
- Exam fee
- $45 for property, casualty, or the combined exam
- Exam length
- Property: 75 scored questions plus 10 pretest, 2 hours. Casualty: 75 scored plus 10 pretest, 2 hours. Combined property and casualty: 100 scored plus 10 pretest, 3 hours.
- Passing score
- 70 percent
- Pre-licensing education
- 20 hours per line of authority for first-time applicants
- Fingerprints
- Required. Electronic fingerprinting at a PSI site costs $66.75.
- Result valid for
- Three years from the exam date
- Retakes
- You cannot book a new exam on the same day you test
How to plan your retake
Retake rules by state - Continuing education
- 24 hours each licensing period, including 3 hours of ethics
Official links
- Minnesota Department of Commerce - official state insurance department
- PSI, Minnesota Insurance Licensing Candidate Information Bulletin (Oct 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Minnesota Department of Commerce and your exam's candidate handbook before you register.
Minnesota state law questions
Every Minnesota question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How many hours of continuing education must a Minnesota producer complete each licensing period, including how many in ethics?
- 20 hours, including 2 hours of ethics
- 24 hours, including 3 hours of ethics
- 24 hours, including 6 hours of ethics
- 30 hours, including 3 hours of ethics
Show answer
Minn. Stat. 60K.56 subd. 6 requires a minimum of 24 credit hours per licensing period, with three of those hours in ethics.
2. A Minnesota individual producer license that is renewed expires on what date?
- December 31 of every odd-numbered year
- The producer's license issue anniversary each year
- October 31 of the renewal year
- The last day of the producer's birth month, every two years
Show answer
Minn. Stat. 60K.55 subd. 2 sets individual licenses to expire biennially on the last day of the producer's birth month. Business entity licenses expire October 31 of the assigned renewal year.
Auto Insurance
3 questions
1. What are the minimum residual liability limits that a Minnesota automobile policy must provide?
- $25,000 per person, $50,000 per accident, $10,000 property damage
- $30,000 per person, $60,000 per accident, $15,000 property damage
- $30,000 per person, $60,000 per accident, $10,000 property damage
- $50,000 per person, $100,000 per accident, $25,000 property damage
Show answer
Minn. Stat. 65B.49 subd. 3 sets residual liability at not less than $30,000 for one person, $60,000 for two or more persons, and $10,000 for property damage.
2. What minimum limits apply to uninsured and underinsured motorist coverage on a Minnesota auto policy?
- $25,000 per person and $50,000 per accident
- $30,000 per person and $60,000 per accident
- $15,000 per person and $30,000 per accident
- $10,000 per person and $20,000 per accident
Show answer
Minn. Stat. 65B.49 subd. 3a requires uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. These limits are lower than the liability minimums.
3. Under Minnesota's surcharge disclosure law, when may an insurer surcharge for a traffic violation?
- Whenever the driver is cited
- Only when the driver is convicted, forfeits bail, or has a license revoked under the implied consent statutes
- Only after three citations in a year
- Only if the violation caused an accident
Show answer
Minn. Stat. 65B.133 subd. 5 makes a violation chargeable only on conviction, bail forfeiture, or license revocation under sections 169A.52 or 171.177. A surcharge must be rebated if a driver who forfeited bail is later acquitted.
No-Fault Auto
3 questions
1. Under Minnesota's no-fault law, what minimum basic economic loss benefits must be provided to each injured person?
- $10,000 medical and $10,000 nonmedical
- $20,000 medical and $20,000 nonmedical, for $40,000 total
- $30,000 medical and $10,000 nonmedical
- $50,000 medical only
Show answer
Minn. Stat. 65B.44 subd. 1 provides at least $20,000 for medical expense loss and $20,000 for nonmedical loss such as income loss, replacement services, and funeral expense.
2. Under Minnesota's no-fault tort threshold, an injured person can generally sue for noneconomic damages once medical expense exceeds how much?
- $1,500
- $2,500
- $10,000
- $4,000
Show answer
Minn. Stat. 65B.51 subd. 3 sets the dollar threshold at $4,000 in medical expense, not counting diagnostic x-ray and rehabilitation costs.
3. Which injury result lets a Minnesota auto accident victim sue for noneconomic damages regardless of the amount of medical expense?
- Disability lasting 60 days or more
- Disability lasting 14 days
- Any injury treated at an emergency room
- Property damage to the vehicle over $4,000
Show answer
Minn. Stat. 65B.51 subd. 3(b) is met by permanent disfigurement, permanent injury, death, or disability of 60 days or more.
Cancellation and Nonrenewal
3 questions
1. How much advance notice must a Minnesota insurer give the named insured of its intention not to renew an automobile policy?
- 10 days
- 30 days
- At least 60 days
- At least 90 days
Show answer
Minn. Stat. 65B.17 subd. 1 requires at least 60 days' advance notice, and the notice must state the specific underwriting or other reasons for nonrenewal.
2. Minnesota requires how many days' advance notice for nonrenewal of a homeowner's policy?
- 60 days
- 30 days
- 45 days
- 120 days
Show answer
Minn. Stat. 65A.29 subd. 7 and 65A.01 subd. 3c require at least 60 days' advance notice, which must state the specific reasons.
3. For a Minnesota residential building policy in effect at least 60 days, how far in advance must notice be mailed to cancel it during the policy period?
- 10 days
- 20 days
- 60 days
- 30 days
Show answer
Minn. Stat. 65A.01 subd. 3c(b) requires notice mailed at least 30 days before the effective date of a midterm cancellation. A policy in effect less than 60 days needs 20 days.
Residual Market
1 question
1. How is the Minnesota FAIR plan governed?
- By a board of nine directors, five elected by member insurers and four public directors appointed by the commissioner
- By the commissioner of commerce acting alone, with no board
- By a board made up only of appointed public directors
- By a board of five directors, all elected by policyholders
Show answer
Minn. Stat. 65A.35 subd. 5 provides a nine-member board. Insurers writing property or liability insurance in Minnesota must participate in the plan.
Guaranty Association
1 question
1. What is the maximum the Minnesota Insurance Guaranty Association pays on a covered claim other than workers compensation?
- $100,000
- $500,000
- $300,000
- $1,000,000
Show answer
Minn. Stat. 60C.09 subd. 3 limits payment on a covered claim to $300,000. The limit does not apply to workers compensation claims.
Workers Compensation
2 questions
1. Under Minnesota workers compensation rules, wage-loss benefits are paid back to the first day of disability only if the disability lasts how long?
- At least 3 calendar days
- At least 10 calendar days
- At least 21 calendar days
- At least 30 calendar days
Show answer
Wage-loss benefits are not paid for the first three calendar days of lost time, but if the disability continues 10 calendar days the worker is paid for the entire period.
2. What civil penalty can the Minnesota commissioner assess against an employer that fails to insure its workers compensation liability?
- Up to $100 per employee per year
- Up to $500 per employer per month
- A fixed $5,000 fine
- Up to $1,000 per employee for each week of noncompliance
Show answer
Minn. Stat. 176.181 subd. 3 allows a penalty of up to $1,000 per employee for each week of noncompliance. Willful failure to insure is also a gross misdemeanor under subd. 4.
Claims Practices
1 question
1. Under Minnesota's claim handling standards, within how many business days must an insurer acknowledge a notification of claim?
- 10 business days
- 3 business days
- 20 business days
- 30 business days
Show answer
Minn. Stat. 72A.201 subd. 4 requires acknowledgment within ten business days unless the claim is settled in that time. Replies to other claim communications are due in the same period.
Key Minnesota terms
19 plain-English cards on Minnesota insurance law, from the Minnesota flashcard deck.
Licensing and CE
- Minnesota P&C CE requirement
- 24 hours each licensing period, including 3 hours of ethics.
- Minnesota license renewal
- A renewed individual license expires on the last day of the producer's birth month, every two years.
- Minnesota P&C prelicensing
- 20 hours per line of authority for first-time applicants. Passing is 70 percent, with a $45 exam fee.
- Minnesota P&C exam length
- Property and casualty each have 75 scored plus 10 pretest questions in 2 hours; the combined exam has 100 scored plus 10 pretest in 3 hours.
- Minnesota result validity and fingerprints
- Results are valid three years from the exam date. Fingerprinting at a PSI site costs $66.75.
Auto Insurance
- Minnesota residual liability minimums
- 30/60/10: $30,000 per person, $60,000 per accident, $10,000 property damage.
- Minnesota UM/UIM minimums
- $25,000 per person and $50,000 per accident.
- Minnesota surcharge rule
- An insurer may surcharge for a traffic violation only on conviction, bail forfeiture, or license revocation under the implied consent statutes.
No-Fault Auto
- Minnesota basic economic loss benefits
- No-fault minimum for each injured person: $20,000 medical and $20,000 nonmedical, $40,000 total.
- Minnesota tort threshold
- An injured person can generally sue for noneconomic damages once medical expense exceeds $4,000.
- Minnesota 60-day disability exception
- Disability lasting 60 days or more lets a victim sue for noneconomic damages regardless of medical expense.
Cancellation and Nonrenewal
- Minnesota auto nonrenewal notice
- The insurer must give the named insured at least 60 days advance notice.
- Minnesota homeowners nonrenewal notice
- 60 days advance notice of nonrenewal.
- Minnesota residential cancellation notice
- A residential building policy in effect at least 60 days requires notice mailed 30 days ahead of mid-term cancellation.
Residual Market
- Minnesota FAIR plan governance
- Governed by a board of nine directors: five elected by member insurers and four public directors appointed by the commissioner.
Guaranty Association
- Minnesota guaranty association limit
- The Insurance Guaranty Association pays up to $300,000 on a covered claim other than workers compensation.
Workers Compensation
- Minnesota wage-loss retroactivity
- Wage-loss benefits are paid back to the first day of disability only if disability lasts at least 10 calendar days.
- Minnesota uninsured employer penalty
- The commissioner can assess up to $1,000 per employee for each week of noncompliance.
Claims Practices
- Minnesota claim acknowledgment
- An insurer must acknowledge a notification of claim within 10 business days.
Keep studying
The general topics make up most of the exam.
Minnesota exam questions
How long is the Minnesota property and casualty exam?
The combined exam allows 3 hours. Property or casualty alone allows 2 hours. Each costs $45.Source: PSI, Minnesota Insurance Licensing Candidate Information Bulletin (Oct 2026)
How long are Minnesota exam results valid?
Three years from the exam date.Source: Minnesota Commerce, Resident Producers
What if I take the Minnesota exam before finishing pre-licensing?
The results will not count, even if you pass. Finish the 20 hours per line first.Source: Minnesota Commerce, Resident Producers
How much of the Minnesota property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Minnesota candidate handbook from your testing provider for the exact content outline.
What does the Minnesota 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, No-Fault Auto, Cancellation and Nonrenewal, Residual Market, Guaranty Association, Workers Compensation, 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 Minnesota state law questions.