Mississippi property and casualty practice exam
Free property and casualty practice for the Mississippi producer exam: 367 general questions plus 9 Mississippi state law questions, each with an explanation.
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Getting your Mississippi property and casualty license
Mississippi requires 20 hours of pre-licensing education per line, or 40 hours for property and casualty together. The passing score for property and casualty is 70 percent.
- Exam provider
- Pearson VUE
- Exam length
- Combined property and casualty: 150 minutes. Single line: 120 minutes.
- Passing score
- 70 percent
- Pre-licensing education
- 20 hours per line, or 40 hours for the combined property and casualty exam
- Exam fee
- $50 per exam, single or combined
- Retakes
- Wait one day before scheduling a retake at a test center. Online (OnVUE), wait 14 days after a first failed attempt.
How to plan your retake
Retake rules by state
Official links
- Mississippi Insurance Department - official state insurance department
- Mississippi Insurance Department, How to Get a Mississippi Resident Insurance License - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Mississippi Insurance Department and your exam's candidate handbook before you register.
Mississippi state law questions
Every Mississippi question with its answer, explanation, and the law it comes from.
Licensing and CE
2 questions
1. How many continuing education hours does Mississippi require of a producer whose license has been in effect 19 to 24 months?
- 12 hours, including 1 hour of ethics
- 18 hours, including 3 hours of ethics
- 24 hours, including 3 hours of ethics
- 30 hours, including 5 hours of ethics
Show answer
The Mississippi Insurance Department lists 24 hours of continuing education including three hours of ethics for licenses in effect 19 to 24 months.
2. A Mississippi producer's license has been in effect 13 to 18 months. How many continuing education hours are required?
- 6 hours
- 18 hours
- 24 hours
- 12 hours
Show answer
The Department requires 12 hours for licenses in effect 13 to 18 months and 24 hours, with 3 in ethics, for 19 to 24 months.
Auto Insurance
4 questions
1. What are Mississippi's minimum auto liability limits?
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $25,000 per person, $50,000 per accident, $10,000 property damage
- $15,000 per person, $30,000 per accident, $25,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
Show answer
The Insurance Department describes the Mississippi minimum as 25/50/25, which can also be met with a bond or deposit in the same amounts.
2. What is the first-offense penalty in Mississippi for lacking proof of required liability insurance?
- $250 and driving privileges suspended for 30 days
- $1,000 and driving privileges suspended for one year or until proof is shown
- $500 and a mandatory 90-day vehicle impoundment
- $2,500 and driving privileges revoked for three years
Show answer
The Department states the initial penalty is $1,000 and a one-year suspension of driving privileges, or until the owner shows proof of insurance.
3. On what date did Mississippi's compulsory liability insurance law take effect?
- July 1, 1990
- January 1, 1996
- January 1, 2001
- July 1, 2006
Show answer
House Bill 621 of 2000 was signed on February 23, 2000, and took effect on January 1, 2001.
4. Mississippi allows non-stacking uninsured motorist coverage on a policy covering how many vehicles, and at what minimum limits?
- Two or more vehicles, at twice the Safety Responsibility Law minimums
- Three or more vehicles, at the Safety Responsibility Law minimums
- Five or more vehicles, at three times the Safety Responsibility Law minimums
- Four or more vehicles, at four times the Safety Responsibility Law minimums
Show answer
Regulation 2002-1 permits non-stacking UM on policies with four or more vehicles, at $100,000 per person, $200,000 per accident, and $100,000 property damage.
Residual Markets
3 questions
1. Which organization does the Mississippi Insurance Department name as administrator of the Workers Compensation Assigned Risk Pool?
- Compensation Insurance Services
- The Mississippi Windstorm Underwriting Association
- The Mississippi Automobile Insurance Plan
- The Mississippi Workers' Compensation Commission
Show answer
The residual market plans page lists Compensation Insurance Services as the administrator of the assigned risk pool.
2. Which Mississippi residual market plan is the market of last resort for windstorm coverage?
- Mississippi Automobile Insurance Plan
- Mississippi Residential Property Insurance Underwriting Association
- Workers Compensation Assigned Risk Pool
- Mississippi Windstorm Underwriting Association
Show answer
The Department lists the Mississippi Windstorm Underwriting Association among its residual market plans, which are markets of last resort.
3. Which Mississippi residual market plan serves as a market of last resort for residential property insurance?
- Mississippi Windstorm Underwriting Association
- Mississippi Residential Property Insurance Underwriting Association
- Mississippi Automobile Insurance Plan
- Workers Compensation Assigned Risk Pool
Show answer
The residential property plan is one of five residual market plans named by the Department.
Key Mississippi terms
15 plain-English cards on Mississippi insurance law, from the Mississippi flashcard deck.
Licensing and CE
- Mississippi CE at 19 to 24 months
- 24 hours, including 3 hours of ethics, for a producer whose license has been in effect 19 to 24 months.
- Mississippi CE at 13 to 18 months
- 12 hours for a producer whose license has been in effect 13 to 18 months.
- Mississippi exam provider
- Pearson VUE gives the Mississippi insurance exams.
- Mississippi P&C prelicensing
- 20 hours per line, or 40 hours for the combined property and casualty exam.
- Mississippi exam fee
- $50 per exam, single or combined.
- Mississippi P&C exam length
- Combined property and casualty takes 150 minutes; a single line takes 120 minutes.
- Mississippi passing score
- 70 percent.
- Mississippi retake waits
- Wait one day at a test center. Online (OnVUE): wait 14 days after a first failed attempt.
Auto Insurance
- Mississippi minimum auto liability limits
- 25/50/25: $25,000 per person, $50,000 per accident, $25,000 property damage.
- Mississippi no-proof penalty
- First offense for lacking proof of required liability insurance: $1,000 and driving privileges suspended for one year or until proof is shown.
- Mississippi compulsory liability law date
- The compulsory liability insurance law took effect January 1, 2001.
- Mississippi non-stacking UM
- Allowed on a policy covering four or more vehicles, at four times the Safety Responsibility Law minimums.
Residual Markets
- Mississippi Workers Compensation Assigned Risk Pool
- Administered by Compensation Insurance Services, according to the Insurance Department.
- Mississippi Windstorm Underwriting Association
- The residual market plan of last resort for windstorm coverage.
- Mississippi residential property plan
- The Mississippi Residential Property Insurance Underwriting Association, a market of last resort for residential property insurance.
Keep studying
The general topics make up most of the exam.
Mississippi exam questions
What score do I need to pass the Mississippi property and casualty exam?
70 percent.Source: Pearson VUE, Mississippi Insurance Candidate Handbook (Jul 2025)
How many pre-licensing hours does Mississippi require for property and casualty?
20 hours per line, or 40 hours for the combined property and casualty exam.Source: Pearson VUE, Mississippi Insurance Candidate Handbook (Jul 2025)
How much is the Mississippi property and casualty exam?
$50 for the combined exam, which allows 150 minutes.Source: Pearson VUE, Mississippi Insurance Candidate Handbook (Jul 2025)
How much of the Mississippi property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Mississippi candidate handbook from your testing provider for the exact content outline.
What does the Mississippi 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, Residual Markets.
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 Mississippi state law questions.