Wisconsin property and casualty practice exam
Free property and casualty practice for the Wisconsin producer exam: 367 general questions plus 15 Wisconsin state law questions, each with an explanation.
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Studying for Life and Health? Wisconsin life and health practice exam
Getting your Wisconsin property and casualty license
Wisconsin gives property and casualty as separate $75 PSI exams, and each line needs 20 hours of pre-licensing first. You need 70 percent to pass and must apply within 180 days.
- Exam provider
- PSI
- Exam fee
- $75 per exam (property, or casualty)
- Exam length
- Property (22-05): 100 questions, 2-hour time limit. Casualty (22-07): 100 questions, 2-hour time limit.
- Passing score
- 70 percent
- Pre-licensing education
- 20 hours per line (property, casualty). The certificate is valid for one year.
- Retakes
- No limit on attempts. You cannot book a new exam on the same day.
How to plan your retake
Retake rules by state - Fingerprints
- Required, through Fieldprint ($34.75). Fingerprint results are valid for 180 days.
- After you pass
- Apply for your license within 180 days
- Continuing education
- 24 hours every 2 years, including 3 hours of ethics. Agents selling federal flood policies need a 3-hour flood course.
Official links
- Wisconsin Office of the Commissioner of Insurance - official state insurance department
- PSI, Wisconsin Insurance Licensing Candidate Information Bulletin (Mar 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Wisconsin Office of the Commissioner of Insurance and your exam's candidate handbook before you register.
Wisconsin state law questions
Every Wisconsin question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many continuing education credit hours must a Wisconsin insurance intermediary complete each two-year period, including at least 3 hours of ethics?
- 12 hours
- 24 hours
- 20 hours
- 30 hours
Show answer
OCI requires 24 credit hours biennially with at least 3 hours of ethics. Limited line licensees are exempt.
2. A Wisconsin producer completes 30 CE hours in one license period. What happens to the extra 6 hours?
- They carry forward to the next period
- They carry forward only as ethics hours
- They cannot be carried forward
- They are refunded as a renewal fee credit
Show answer
OCI does not allow excess hours to be carried forward. The same course also cannot be repeated for credit in a license period.
3. A Wisconsin producer wants a CE waiver. How far before the license expiration date should the request be made?
- At least 10 days before
- At least 30 days before
- On or after the expiration date
- At least 90 days before
Show answer
OCI asks for waiver requests 90 days before expiration, and OCI answers within 30 days.
Auto Insurance
4 questions
1. What are Wisconsin's minimum auto liability limits?
- $15,000 per person, $30,000 per accident, and $5,000 property damage
- $25,000 per person, $50,000 per accident, and $25,000 property damage
- $25,000 per person, $50,000 per accident, and $10,000 property damage
- $30,000 per person, $60,000 per accident, and $10,000 property damage
Show answer
OCI and the Wisconsin DOT both list 25/50/10 as the minimum liability coverage.
2. Wisconsin requires auto policies to include uninsured motorist bodily injury coverage with what minimum limits?
- $25,000 per person and $50,000 per accident
- $10,000 per person and $20,000 per accident
- $50,000 per person and $100,000 per accident
- It is optional and may be rejected
Show answer
OCI states UM is required at 25/50 for bodily injury only. It does not cover damage to the insured vehicle.
3. Which statement describes underinsured motorist (UIM) coverage in Wisconsin?
- It is required at 25/50
- It is required at 50/100
- It is prohibited on private passenger policies
- It is optional, and if requested the minimums are $50,000 per person and $100,000 per accident
Show answer
OCI says insurers must give notice that UIM is available, and the insured may reject it. If requested, the minimums are 50/100.
4. If a Wisconsin insured elects medical payments coverage, what is the minimum limit?
- $500
- $1,000
- $5,000
- $10,000
Show answer
Insurers must offer medical payments coverage, but the insured can decline it. It pays medical or funeral expenses even if the insured caused the accident.
Cancellation and Nonrenewal
4 questions
1. How much notice must a Wisconsin insurer give before nonrenewing an auto or homeowners policy, and what must the notice state?
- At least 30 days, with no reason required
- At least 45 days, with no reason required
- At least 10 days, stating the reason only
- At least 60 days, stating the reason and how to apply to the residual market plan
Show answer
OCI fact sheet PI-024 requires 60 days notice before expiration with the reason and how to apply to the Wisconsin Automobile Insurance Plan or Wisconsin Insurance Plan.
2. If a Wisconsin insurer gives late nonrenewal notice on an auto or homeowners policy, coverage continues on the prior terms for how long?
- 30 days
- The policy term or one year, whichever is less
- The policy term or two years, whichever is more
- Until the insured finds other coverage
Show answer
OCI fact sheet PI-024 says late notice extends coverage on the prior terms for the term or one year, whichever is less.
3. In Wisconsin, a cancellation for nonpayment of premium is effective no sooner than how long after the notice is mailed or delivered?
- 10 days
- 5 days
- 30 days
- 60 days
Show answer
OCI states no cancellation is effective until at least 10 days after mailing or delivery. Nonpayment is the main permitted midterm ground.
4. For Wisconsin personal lines property and casualty policies, how much notice applies to changed renewal terms or a rate increase, and which increases are exempt?
- 10 days; increases under 5 percent are exempt
- 60 days; no increases are exempt
- 45 days; increases under 25 percent are exempt
- 30 days; increases under 10 percent are exempt
Show answer
OCI fact sheet PI-024 gives 45 days for personal lines. The timing conditions do not apply if the only change is a rate increase of less than 25 percent.
Residual Markets
1 question
1. What is the Wisconsin Insurance Plan?
- A state fund that pays claims of insolvent insurers
- A residual market option for homeowners who cannot get liability and property coverage in the voluntary market
- A program that covers workers compensation for uninsured employers
- A discount plan for good drivers
Show answer
OCI fact sheet PI-048 describes the plan as coverage for homeowners unable to obtain it elsewhere. Premiums tend to be higher than in the voluntary market.
Workers Compensation
3 questions
1. A Wisconsin employer is required to carry workers compensation on the day it employs how many employees, full-time or part-time?
- The first employee
- The fifth employee
- The tenth employee
- The third employee
Show answer
DWD says employers with 3 or more employees must be covered on the day the third person is employed. Smaller employers fall under a wage test.
2. A Wisconsin employer with only 1 or 2 employees must carry workers compensation if gross wages reach what level in a calendar quarter?
- $100 or more
- $1,000 or more
- $500 or more
- $5,000 or more
Show answer
DWD sets a $500 quarterly wage test for employers with fewer than 3 employees. Insurance is due by the 10th day of the first month of the next quarter.
3. A Wisconsin farmer must carry workers compensation after employing 6 or more employees on the same day for how many days in a calendar year?
- 20 days
- 5 days
- 10 days
- 60 days
Show answer
DWD says the 20 days need not be consecutive. Insurance is due within 10 days after the 20th day.
Key Wisconsin terms
15 plain-English cards on Wisconsin insurance law, from the Wisconsin flashcard deck.
Licensing and CE
- Wisconsin major-line resident CE requirement
- Resident intermediaries complete 24 approved hours every two years, including at least three ethics hours.
- Wisconsin excess CE credit treatment
- Unused hours cannot carry forward; the same course cannot earn credit twice in one biennial period.
- Wisconsin CE waiver timing
- OCI says waiver requests must be submitted and approved 90 days before license expiration.
Auto Insurance
- Wisconsin minimum auto liability limits
- Required minimums are $25,000 per person, $50,000 per accident and $10,000 property damage.
- Wisconsin mandatory UM coverage
- Required uninsured motorist bodily injury limits are $25,000 per person and $50,000 per accident.
- Wisconsin optional UIM minimum limits
- Coverage may be rejected; if requested, minimum limits are $50,000 per person and $100,000 per accident.
- Wisconsin optional medical payments minimum
- Insurers must offer coverage, which may be declined; if elected, the minimum limit is $1,000.
Cancellation and Nonrenewal
- Wisconsin auto or homeowners nonrenewal notice
- At least 60 days' notice must state the reason and explain access to the applicable residual market plan.
- Wisconsin late nonrenewal notice consequence
- Prior terms and premium continue for the policy term or one year, whichever is less.
- Wisconsin cancellation notice minimum
- Cancellation generally cannot take effect until at least 10 days after written notice is mailed or delivered.
- Wisconsin personal-lines altered renewal terms
- Notice generally requires 45 days; an increase under 25 percent is exempt if it is the only change.
Residual Markets
- Wisconsin Insurance Plan access
- WIP offers homeowners property and liability coverage when coverage cannot be obtained in the voluntary market.
Workers Compensation
- Wisconsin three-employee coverage trigger
- An employer must obtain coverage on the day it employs its third full-time or part-time employee.
- Wisconsin small-employer wage trigger
- At $500 in quarterly Wisconsin wages, coverage is due by the tenth day of the next quarter's first month.
- Wisconsin farm employer coverage trigger
- With six employees on 20 days in a year, coverage is due within 10 days after day 20, subject to family-count exceptions.
Keep studying
The general topics make up most of the exam.
Wisconsin exam questions
How many pre-licensing hours does Wisconsin require for property and casualty?
20 hours for each line. The certificate is good for one year from the date it is issued.Source: PSI, Wisconsin Insurance Licensing Candidate Information Bulletin (Mar 2026)
Can I sell auto and homeowners with just one Wisconsin license?
You need either both the property and casualty authorities or the personal lines authority.Source: PSI, Wisconsin Insurance Licensing Candidate Information Bulletin (Mar 2026)
How long do I have to apply after passing in Wisconsin?
180 days.Source: PSI, Wisconsin Insurance Licensing Candidate Information Bulletin (Mar 2026)
How much of the Wisconsin property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Wisconsin candidate handbook from your testing provider for the exact content outline.
What does the Wisconsin 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, 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 Wisconsin state law questions.