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Washington property and casualty practice exam

Free property and casualty practice for the Washington producer exam: 367 general questions plus 13 Washington state law questions, each with an explanation.

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Getting your Washington property and casualty license

Washington's combined property and casualty exam has 150 questions in 195 minutes and costs $55 through PSI. Pre-licensing education is required, and you have 180 days after passing to finish your application.

Exam provider
PSI, at a test center or by remote proctoring
Exam fee
Property or casualty alone: $38. Combined property and casualty: $55.
Exam length
Property or casualty alone: 100 questions, 150 minutes. Combined: 150 questions, 195 minutes.
Passing score
70 percent
Pre-licensing education
Required before you take a full-line producer exam
Retakes
No limit on attempts. You cannot book a new exam on the same day you test.
How to plan your retake
Retake rules by state
Fingerprints
Required for residents, taken after you pass, not before the exam
After you pass
Submit all application requirements within 180 days or you must retake the exam
Continuing education
24 credit hours per renewal, including 3 hours of ethics

Official links

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

Sources

Washington state law questions

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

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

Licensing and CE

3 questions

1. How many CE credit hours must a Washington resident individual producer complete in each renewal cycle?

  1. 12 hours, including 2 hours of ethics
  2. 20 hours, with no ethics requirement
  3. 36 hours, including 6 hours of ethics
  4. 24 hours, including 3 hours of ethics
Show answer
D. 24 hours, including 3 hours of ethics
The OIC requires a total of 24 credit hours of CE, and three of those hours must be ethics credits.
Source: OIC, Continuing Education Requirements

2. Excess CE credits earned by a Washington producer in one renewal cycle:

  1. Cannot be carried over to the next renewal cycle
  2. May be carried over up to 12 hours
  3. May be carried over without limit
  4. Convert to credit toward the license fee
Show answer
A. Cannot be carried over to the next renewal cycle
The OIC states that excess credits cannot be carried over from one renewal cycle to the next.
Source: OIC, Continuing Education Requirements

3. Must a nonresident producer meet Washington's CE requirements to renew a Washington license?

  1. Yes, the full 24 hours
  2. Yes, but only the 3 ethics hours
  3. No, nonresidents do not have to meet Washington's CE requirements to renew
  4. Yes, if they sell personal lines
Show answer
C. No, nonresidents do not have to meet Washington's CE requirements to renew
The OIC says non-residents do not have to meet its CE requirements to renew their Washington license.
Source: OIC, Continuing Education Requirements

Auto Insurance

3 questions

1. What are Washington's minimum liability limits for bodily injury or death?

  1. $15,000 for one person and $30,000 for two or more people
  2. $30,000 for one person and $60,000 for two or more people
  3. $50,000 for one person and $100,000 for two or more people
  4. $25,000 for one person and $50,000 for two or more people in any one accident
Show answer
D. $25,000 for one person and $50,000 for two or more people in any one accident
The Department of Licensing lists $25,000 for one person and $50,000 for any two people in any one accident.
Source: WA DOL, Vehicle insurance requirements

2. What is Washington's minimum property damage liability limit for any one accident?

  1. $5,000
  2. $10,000
  3. $25,000
  4. $15,000
Show answer
B. $10,000
The Department of Licensing lists $10,000 of injury to or destruction of property of others in any one accident.
Source: WA DOL, Vehicle insurance requirements

3. In Washington, failing to show proof of required insurance to police on request is:

  1. A felony
  2. A misdemeanor, but only for a second offense
  3. A traffic infraction
  4. No violation if the vehicle is registered
Show answer
C. A traffic infraction
Knowingly giving false proof of coverage is a misdemeanor, but simply failing to show proof is a traffic infraction.
Source: WA DOL, Vehicle insurance requirements

Guaranty Association

2 questions

1. Under RCW 48.32.060, the Washington Insurance Guaranty Association's obligation on most covered claims is only the amount in excess of what, and less than what?

  1. In excess of $100 and less than $300,000
  2. In excess of $500 and less than $1,000,000
  3. In excess of $50 and less than $100,000
  4. In excess of $1,000 and less than $500,000
Show answer
A. In excess of $100 and less than $300,000
For claims other than longshore and harbor workers compensation, the obligation covers only the part of a claim above $100 and under $300,000.
Source: RCW 48.32.060 (powers and duties of the association)

2. Under RCW 48.32.060, the Washington guaranty association may never pay a claimant more than:

  1. $100,000 in total
  2. The face amount of the policy from which the claim arises
  3. Twice the policy premium
  4. Two percent of the insolvent insurer's premiums
Show answer
B. The face amount of the policy from which the claim arises
The statute says the association is never obligated in an amount in excess of the face amount of the policy.
Source: RCW 48.32.060 (powers and duties of the association)

Cancellation and Nonrenewal

4 questions

1. Under RCW 48.18.290, how much written notice must a Washington insurer generally give before cancelling a policy (other than for nonpayment)?

  1. At least 30 days
  2. At least 10 days
  3. At least 90 days
  4. At least 60 days, stating the insurer's actual reason
Show answer
D. At least 60 days, stating the insurer's actual reason
Most policies require written notice at least 60 days before cancellation. Medical malpractice policies require 90 days.
Source: RCW 48.18.290 (cancellation by insurer)

2. Under RCW 48.18.290, a Washington insurer cancelling for nonpayment of premium must give notice at least:

  1. 10 days before the cancellation
  2. 5 days before the cancellation
  3. 30 days before the cancellation
  4. 45 days before the cancellation
Show answer
A. 10 days before the cancellation
Nonpayment of premium has a shorter notice period of at least 10 days.
Source: RCW 48.18.290 (cancellation by insurer)

3. After cancellation of a Washington homeowners, dwelling fire or private passenger auto policy, the unearned premium refund must be paid or mailed no later than:

  1. 10 days after the cancellation notice
  2. 90 days after the cancellation
  3. 45 days after the cancellation notice
  4. At the next policy anniversary
Show answer
C. 45 days after the cancellation notice
RCW 48.18.290 sets this refund deadline for those policy types. It is a refund deadline, not a notice period.
Source: RCW 48.18.290 (cancellation by insurer)

4. For policies under RCW 48.18.290(1)(a), a Washington insurer must give written nonrenewal notice at least how long before the policy expires?

  1. 30 days
  2. 45 days
  3. 10 days
  4. 60 days
Show answer
D. 60 days
RCW 48.18.2901 requires written notice of nonrenewal at least 60 days before the expiration date, stating the insurer's actual reason.
Source: RCW 48.18.2901 (nonrenewal)

Workers Compensation

1 question

1. Under RCW 51.14.010, a Washington employer must secure payment of industrial insurance compensation by:

  1. Buying a policy from any private insurer
  2. Insuring with the state fund or qualifying as a self-insurer
  3. Carrying employer liability coverage only
  4. Posting a bond with the county
Show answer
B. Insuring with the state fund or qualifying as a self-insurer
The statute gives two options: keep the payment of benefits insured with the state fund, or qualify as a self-insurer.
Source: RCW 51.14.010 (employer's duty to secure compensation)

Key Washington terms

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

Auto Insurance

Washington auto bodily injury minimums
Required limits are at least $25,000 for one person's injury or death and $50,000 for two or more people in one accident.
Washington auto property damage minimum
Required property damage liability coverage is at least $10,000 for one accident.

Guaranty Association

Washington guaranty claim band
Except for longshore and harbor workers claims, the covered portion is above $100 and below $300,000.
Washington guaranty policy ceiling
The association cannot pay more than the face amount of the policy from which the covered claim arises.

Cancellation and Nonrenewal

Washington standard cancellation notice
Most cancellable policies require at least 60 days' written notice; medical malpractice and specified fire cancellations differ.
Washington nonpayment cancellation notice
An insurer canceling a policy under RCW 48.18.290(1)(a) or (b) for unpaid premium must give at least 10 days' notice.
Washington cancellation reason disclosure
The insurer must state its actual reason in a standard policy cancellation notice.
Washington unearned premium refund deadline
For homeowners, dwelling fire and private passenger auto, refund unearned premium within 45 days after the cancellation notice.
Washington ordinary nonrenewal notice
For policies under RCW 48.18.290(1)(a), give at least 60 days' written notice before expiration, including the actual reason.
Washington equivalent replacement exception
The renewal requirement has an exception when the insured obtains equivalent coverage before the existing policy expires.

Workers Compensation

Washington industrial insurance funding
Covered employers must insure benefits through the state fund or qualify as self-insurers.

Licensing and CE

Washington combined P&C exam format
The combined producer exam lists 150 questions and allows 195 minutes, with additional unscored items possible.
Washington single-line property or casualty exam
Each separate property or casualty producer exam lists 100 questions and allows 150 minutes, plus possible unscored items.
Washington P&C examination fees
The combined producer exam costs $55; property alone or casualty alone costs $38.
Washington producer exam passing score
Candidates must answer 70 percent correctly to pass the licensing examination.

Study the Washington 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

Washington exam questions

How long is the Washington property and casualty exam?

The combined exam has 150 questions in 195 minutes. Property or casualty alone is 100 questions in 150 minutes.Source: PSI, Washington OIC Insurance Candidate Information Bulletin (rev. Aug 2026)

Do I get fingerprinted before the Washington exam?

No. Residents submit fingerprints after passing, as part of the license application.Source: PSI, Washington OIC Insurance Candidate Information Bulletin (rev. Aug 2026)

How long do I have to apply after passing in Washington?

180 days. If you do not submit everything in that time, you must retake the exam.Source: PSI, Washington OIC Insurance Candidate Information Bulletin (rev. Aug 2026)

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

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

What does the Washington 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, Guaranty Association, Cancellation and Nonrenewal, 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 Washington state law questions.