In the works: This program is built — 9,977 questions, built on CDI’s published License Examination Objectives and independently audited — and it opens for enrollment soon. Join the notify list and we will email you the day it launches.
This program is in the works — join the notify list and we’ll email you the moment enrollment opens.
California licenses property and casualty broker-agents through the Property and Casualty examination given by PSI Services LLC for the California Department of Insurance (CDI): 150 questions in 195 minutes, and a score of 60% to pass. PassProfessor’s California program will give you 9,977 original practice questions built on CDI’s published License Examination Objectives — including about 2,484 questions on California law and California-specific programs alone — with an explanation on every question and full practice exams generated fresh, weighted to the official objectives, every time you sit one. A free sample comes with the program; the full California program will be $29 when enrollment opens.
What’s included
A California bank, not a national bank with a California chapter. California’s exam is built from CDI’s own License Examination Objectives, and a large share of it is California material: the Ethics and California Insurance Code, homeowners’ insurance valuation under California rules, the California FAIR Plan and other government risk pools for catastrophic events, the California Automobile Assigned Risk Plan (CAARP), the Good Driver Discount, and California workers’ compensation. Our California bank holds 9,977 questions, and roughly 2,484 of them test California-specific material. That is the content national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 9,977 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams weighted to the official objectives. Each full practice exam is generated fresh for that attempt, weighted the way CDI’s License Examination Objectives weight the real exam — general insurance concepts first, then the property and casualty lines, with the California ethics and code material carried at full weight. Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single objective area — ethics and the California Insurance Code, homeowners’ valuation, personal auto, CAARP, workers’ compensation — or sit a full 150-question simulation against the 195-minute clock. Your results break down by topic, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program will be monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped.
Built for California’s current rules. California changed its pre-licensing education law on January 1, 2026 (Assembly Bill 943): the old 20-hour-per-line coursework requirement is gone, and the one education requirement that remains is a 12-hour course on ethics and the California Insurance Code from a CDI-approved provider, which must be completed before your license is issued. This program is exam preparation — it is not that course, provides no education credit, and does not satisfy any CDI education requirement. What it does is prepare you for the examination itself, which is now the main gate between you and the license.
Why the AB 943 change makes practice the deciding factor. Until 2026, California forced every candidate through dozens of hours of coursework before testing — imperfect preparation, but preparation the state imposed on everyone. That floor is gone. Two candidates now sit the same 150-question exam: one who drilled thousands of objective-weighted questions with explanations, and one who skimmed a summary and booked the earliest slot PSI offered. The exam did not get easier when the coursework mandate went away; CDI states plainly that the examinations did not change. The gap between prepared and unprepared candidates is now entirely self-created — and it is the gap this program exists to close.
Part of a 50-state program, built state by state. PassProfessor’s insurance library holds 478,523 questions across all 50 states, but no state’s bank is a national bank with the state name swapped in. Each is counted, tagged, and weighted against that state’s own published outline — California’s against CDI’s License Examination Objectives, with California’s ethics and code material, California’s FAIR Plan and CAARP, and California’s valuation and workers’ compensation rules carried as first-class topics, not footnotes.
The real exam at a glance
Current as of October 2026, per the PSI Candidate Information Bulletin for California Insurance License Examinees (revised March 2026) and CDI’s examination and licensing pages. Full detail — eligibility, registration, fingerprinting, retakes, test day — is in our California insurance exam guide.
| California Property and Casualty examination | |
|---|---|
| Administered by | PSI Services LLC, for the California Department of Insurance (CDI) |
| Licenses it qualifies you for | Property Broker-Agent and Casualty Broker-Agent (select both on one application) |
| Questions | 150 multiple-choice questions (plus a small number of unscored experimental questions PSI may add, which count against your time) |
| Time limit | 195 minutes (3 hours, 15 minutes) |
| Passing standard | 60% correct |
| Exam fee | $55 CDI examination fee, plus PSI’s $43 convenience fee at PSI test centers or for remote testing ($98 total; the $43 is not charged at CDI’s Los Angeles test center) |
| License application fee | $188 for a two-year term, paid to CDI through Sircon after you pass (covers both license types when filed together) |
| Fingerprinting | $74 through CDI’s Live Scan vendor, Capital Live Scan — after you submit your application |
- One combined exam, two license types. California also offers separate Property (75 questions, 98 minutes) and Casualty (75 questions, 98 minutes) examinations. The combined Property and Casualty sitting covers both lines at once, and on your license application you select both the property broker-agent and casualty broker-agent types — CDI charges one $188 filing fee when they are filed together.
- 60% is the pass mark — and it is lower than most states’. California sets the producer-exam bar at 60% (adjuster and bail exams require 70%). Do not mistake a lower cut score for an easy exam: the questions are scenario-heavy and California-law-dense. Plan to practice comfortably above the line, not on it.
- You can test at a center or from home. PSI offers the exam at test centers across California (and at CDI’s own Los Angeles site) and by remote online proctoring through PSI Bridge, for the same $43 convenience fee.
- Your pass is good for one year. Under California Insurance Code §1676(a), an examination pass is valid for one year from the date you passed it — your license application must be completed inside that window.
- The fingerprint step comes after the application, not before. California sequences it deliberately: pass, apply through Sircon, then submit Live Scan fingerprints through Capital Live Scan so CDI can match the DOJ and FBI results to your file. Candidates who fingerprint early and out of sequence create their own delays.
- Failing has a hard ceiling. You can retake the exam — but under California Insurance Code §1682, ten failures of the same examination trigger a 12-month bar. That is a generous allowance, and it is also a signal: California expects repeat attempts to be prepared attempts, and so should you.
How the practice maps to the real exam
Every question in the California bank is tagged to a topic drawn from CDI’s License Examination Objectives for the property and casualty broker-agent examinations — the same objectives the real exam is built from. Counts below are the bank itself, counted question by question.
The California-specific rows — Ethics and California Insurance Code, homeowners’ valuation, personal auto under California rules, CAARP, and California workers’ compensation — total about 2,484 questions. On the real exam, that California material is not a garnish; it is woven through every section, from the Commissioner’s authority to the FAIR Plan to the Good Driver Discount.
Two structural notes on the table. First, the general insurance section is the bank’s largest for a reason: CDI’s objectives put basic concepts, contract law, the insurance marketplace, and tort law at the front of both single-line examinations, so the combined sitting draws on that foundation twice over. Second, the small rows are deliberate, not thin: surety bonds and general bond concepts close out the casualty commercial objectives, and on the real exam a handful of questions on a topic you never opened is the difference between 59% and 60%.
| Bank topic (from CDI’s License Examination Objectives structure) | Practice questions |
|---|---|
| I. General Insurance | 4,121 |
| II. Property Insurance | 1,649 |
| II. Casualty Insurance | 1,723 |
| Ethics and California Insurance Code | 1,296 |
| Homeowners’ Insurance Valuation | 595 |
| Personal Auto | 230 |
| California Automobile Assigned Risk Plan (CAARP) | 181 |
| Workers’ Compensation | 177 |
| Surety Bonds and General Bond Concepts | 5 |
| Total | 9,977 |
How to use it
- Join the notify list today. When enrollment opens, start with the free sample exam — a fixed set of California questions across the objective areas, with full explanations — enough to see how the program teaches and where you stand.
- Drill the California sections early. Ethics and the Insurance Code, CAARP, homeowners’ valuation, and California auto rules are concrete, testable material — named programs, dollar figures, deadlines, percentages. Most candidates leave California law for last; the score report is where that shows.
- Drill by topic. Work your weakest areas — the general insurance concepts that open the exam, the property and casualty policy sections — until the misses stop repeating.
- Sit full generated exams against the clock. 150 questions in 195 minutes is a pace of about 78 seconds per question, before any experimental items PSI adds. Practice the pace, not just the material.
- Book the real exam through PSI when your practice scores sit comfortably above 60% on full simulations — then, after you pass, submit your application through Sircon, complete your Live Scan fingerprints, and finish your 12-hour ethics and code course if you have not already, so CDI can issue the license.
Pricing
$29 — the full California program, when enrollment opens. All 9,977 questions, every explanation, unlimited fresh practice exams and topic drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; WebCE’s Exam Prep Complete runs $109.95; and full pre-licensing course packages from the national providers run $129 to $349. One caution specific to California: since January 1, 2026, the only CDI-approved course you are required to buy is the 12-hour ethics and California Insurance Code course — anyone selling you a mandatory 52-hour California pre-licensing course is selling you a requirement that no longer exists. This program is the practice itself, priced below every practice product above.
This program is in the works — join the notify list and we’ll email you the moment enrollment opens.
Frequently asked questions
How many questions are on the California property and casualty exam?
150 multiple-choice questions, with 195 minutes to answer them. PSI may also include a small number of unscored experimental questions — tryout items for future exams — which you cannot identify and which count against your time. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the California P&C exam?
60% correct. California sets its producer license examinations at a 60% passing score; only the adjuster and bail examinations require 70%. Your pass/fail result appears on screen when you finish, and your score report is emailed to you.
Does California require pre-licensing education?
Partly — and less than it used to. Effective January 1, 2026, Assembly Bill 943 repealed the 20-hour pre-licensing course requirement for each line. What remains is a single 12-hour course on ethics and the California Insurance Code (including one hour of study on insurance fraud), from a CDI-approved provider. You do not have to complete it before you may schedule or sit the exam, but it must be completed before CDI will issue your license.
Does this program count as pre-licensing education?
No. PassProfessor is exam preparation only. It provides no education credit, does not satisfy the 12-hour ethics and California Insurance Code requirement, and is not affiliated with CDI or PSI. You will still need the 12-hour course from a CDI-approved provider before your license can be issued — this program prepares you for the examination itself.
How much does it cost to get a California P&C license?
The exam costs $55 (CDI’s examination fee) plus PSI’s $43 convenience fee at a PSI test center or for remote testing — $98 total, or $55 at CDI’s Los Angeles test center, where the convenience fee is not charged. After you pass, the license application is $188 for a two-year term, filed through Sircon, and fingerprinting through Capital Live Scan is $74. This preparation program is $29.
Who administers the California insurance exam?
PSI Services LLC administers the exam for the California Department of Insurance. You create an account and book through PSI’s California scheduling service (or by phone at (833) 518-7456), choosing either a test center or a remote online proctored session.
Can I take the California insurance exam online?
Yes. PSI offers every California insurance licensing examination by remote online proctoring through its Bridge platform, as well as at test centers throughout California and at CDI’s Los Angeles examination site.
What do I do after I pass?
Submit your license application to CDI through Sircon, selecting both the property broker-agent and casualty broker-agent license types — one $188 filing fee covers both when filed together. After the application is submitted, complete your fingerprints through Capital Live Scan ($74), and make sure your 12-hour ethics and code course is complete. Your examination pass is valid for one year, so finish inside that window. To act as an agent you will also need an insurer appointment; to act as a broker, a $10,000 Bond of Insurance Broker (form LIC 417-5) is the document that authorizes broker activity.
What happens if I fail?
You re-register with PSI and test again, paying the exam fee for each attempt. Your emailed score report includes a diagnostic report showing how many questions you answered correctly, and your practice data here breaks down by the same topic areas, so a retake plan can target what cost you. One hard limit: under California Insurance Code §1682, a candidate who fails the same examination ten times is barred from taking it again for 12 months from the last failed attempt.
How long is my passing score good for?
One year. California Insurance Code §1676(a) makes an examination pass valid for one year from the date you passed; your license must be issued within that window or the exam must be retaken.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to CDI’s published License Examination Objectives and California insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Why does the California material get its own drills?
Because so much of this exam is California-specific: the Insurance Code and ethics rules, the FAIR Plan and earthquake risk pools, CAARP and the Good Driver Discount, homeowners’ valuation, and California’s workers’ compensation system. National study materials cover these thinnest. Our bank holds about 2,484 California-specific questions so those areas can be drilled on their own until they are the easiest part of your exam.
When can I enroll in the California program?
Soon — the question bank is complete and the program is in final preparation. Join the notify list on this page and we will email you the day enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the California Department of Insurance (CDI), PSI Services LLC, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.