Montana property and casualty practice exam
Free property and casualty practice for the Montana producer exam: 367 general questions plus 7 Montana state law questions, each with an explanation.
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Getting your Montana property and casualty license
Montana gives property and casualty as separate Pearson VUE exams, $65 each, at a test center or online. Apply for your license within one year of passing.
- Exam provider
- Pearson VUE, at a test center or online (OnVUE)
- Exam fee
- $65
- Exam format
- Property: 50 general + 32 Montana scored questions, 1 hour 15 minutes plus 45 minutes. Casualty: 50 general + 37 Montana scored questions, 1 hour 15 minutes plus 1 hour. Each section adds 5 pretest questions.
- Passing score
- 75 (scaled)
- Retakes
- Wait 24 hours and retake the whole exam (both parts). Online: 2 attempts per exam, then a test center.
How to plan your retake
Retake rules by state - After you pass
- Apply within one year of passing
- Continuing education
- 24 credit hours every 2 years, including at least 3 in ethics
Official links
- Montana Commissioner of Securities and Insurance - official state insurance department
- Pearson VUE, Montana Insurance Licensing Candidate Handbook (Jun 2025) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Montana Commissioner of Securities and Insurance and your exam's candidate handbook before you register.
Montana state law questions
Every Montana question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many approved continuing education credit hours must a Montana producer licensed for property or casualty complete each two-year cycle?
- 12 hours
- 20 hours
- 24 hours
- 30 hours
Show answer
The Commissioner of Securities and Insurance requires 24 approved credit hours by the lapse or renewal date of each biennial period.
2. What is the minimum number of ethics credit hours within a Montana producer's biennial continuing education filing?
- 3 hours
- 1 hour
- 5 hours
- 8 hours
Show answer
Each biennial filing must include at least 3 approved credit hours of ethics as part of the total.
3. Besides ethics, which subject must receive at least one approved credit hour in each Montana biennial continuing education filing?
- Flood insurance underwriting rules
- Federal anti-money laundering rules
- Surplus lines premium taxation
- Changes in Montana insurance statutes
Show answer
CSI requires at least 1 hour on legislative changes to Montana insurance statutes in every biennial filing.
Auto Insurance
3 questions
1. What are the minimum motor vehicle liability limits required in Montana?
- $25,000 per person, $50,000 per accident, $20,000 property damage
- $25,000 per person, $50,000 per accident, $10,000 property damage
- $20,000 per person, $40,000 per accident, $20,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
Show answer
Section 61-6-103, MCA sets the limits at 25/50/20 for bodily injury to one person, bodily injury to two or more persons, and property damage.
2. What is the minimum property damage liability limit for one accident under Montana's motor vehicle liability law?
- $10,000
- $15,000
- $25,000
- $20,000
Show answer
Section 61-6-103, MCA requires $20,000 for injury to or destruction of property of others in any one accident.
3. Under Montana law, a first offense for driving without liability insurance carries a fine of:
- $100 to $250, or up to 5 days in jail
- $500 to $1,000, or up to 30 days in jail
- $250 to $500
- $1,000 to $1,500, with no jail time
Show answer
Under 61-6-304(1), MCA, a first offense is punishable by a fine of $250 to $500, with no jail term; the jail term of up to 10 days applies only to a third or subsequent conviction.
Workers Compensation
1 question
1. How may a Montana employer subject to the Workers' Compensation Act meet its obligation to provide coverage?
- Rely on the employees' own health insurance
- Buy it from an authorized insurer or get department permission to self-insure
- Post a notice that coverage is optional
- Buy it only through the federal government
Show answer
The Department of Labor and Industry states that employers must provide workers compensation insurance from an insurer authorized in Montana or with permission to self-insure.
Key Montana terms
16 plain-English cards on Montana insurance law, from the Montana flashcard deck.
Licensing and CE
- Montana P&C producer continuing education
- P&C producers need 24 approved hours each biennium, including at least three ethics hours.
- Montana legislative changes CE credit
- Each biennial CE filing must include at least one approved hour on changes to Montana insurance statutes and administrative rules.
- Montana resident flood producer training
- Residents selling federal flood policies need a one-time three-hour NFIP course, or later FEMA training requirements.
- Montana CE provider reporting timeframe
- Providers report course completions directly to CSI and may take up to 30 days to report them.
Auto Insurance
- Montana minimum auto liability limits
- Public-road vehicles need limits of $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage.
- Montana first uninsured driving conviction
- A first conviction under 61-6-301 or 61-6-302 carries a fine of $250 to $500.
Cancellation and Nonrenewal
- Montana protected auto cancellation notice
- For policies under 33-23-211, give 45 days' notice, or at least 10 days with the reason for nonpayment cancellation.
- Montana request for auto cancellation reason
- If the reason is omitted, the insured can request it in writing at least 21 days before cancellation takes effect.
- Montana ordinary P&C nonrenewal notice
- Unless statute or policy requires otherwise, give 45 days' notice and a producer copy, subject to 33-15-1105(3) exceptions.
- Montana renewal premium notice window
- For policies subject to 33-15-1105(2), notice of renewal premium due must be sent 30 to 60 days before its due date.
- Montana single-loss nonrenewal restriction
- A single loss may support P&C nonrenewal only if that criterion was disclosed in writing at application or before renewal.
- Montana coverage inquiry protection
- An inquiry as defined in 33-15-1105 cannot justify declining or nonrenewing coverage or a binder, or increasing premium.
Guaranty Association
- Montana ordinary P&C guaranty claim limit
- Covered ordinary claims are capped at $300,000 and cannot exceed the insolvent insurer's policy obligation.
- Montana guaranty unearned premium limit
- Covered return-of-unearned-premium claims are capped at $10,000 per policy.
- Montana guaranty workers compensation benefits
- The association pays covered workers compensation and excess workers compensation claims in full.
Workers Compensation
- Montana workers compensation coverage methods
- Employers use an authorized workers compensation insurer or obtain department approval to self-insure based on financial ability.
Keep studying
The general topics make up most of the exam.
Montana exam questions
Can I take the Montana insurance exam online?
Yes, through Pearson VUE OnVUE. You get two online attempts per exam; later attempts must be at a test center.Source: Pearson VUE, Montana Insurance Licensing Candidate Handbook (Jun 2025)
If I fail one part of the Montana exam, what do I retake?
The entire exam, both parts. Wait 24 hours before booking.Source: Pearson VUE, Montana Insurance Licensing Candidate Handbook (Jun 2025)
Do I need fingerprints for a Montana license?
Yes. All resident license applicants must be fingerprinted.Source: Pearson VUE, Montana Insurance Licensing Candidate Handbook (Jun 2025)
How much of the Montana property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Montana candidate handbook from your testing provider for the exact content outline.
What does the Montana 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, Workers Compensation.
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 Montana state law questions.