California Property and Casualty Exam Pass Rate, Format & Study Guide

The California Property and Casualty broker-agent exam is the written examination required for the Property Broker-Agent and Casualty Broker-Agent license in California. It has 150 questions (75 Property + 75 Casualty) and a 195 minutes time allowance, and it is administered under the California Department of Insurance (CDI); examinations administered by PSI Services LLC.

A California insurance license is required by state law to sell or solicit the covered lines of insurance. Passing the written exam is a required step before the department issues the license.

People preparing to become licensed insurance agents in California and candidates retaking the exam. Prelicensing education and application requirements are set by the state; check them before you schedule.

The certifying body does not publicly publish an official pass rate for this exam. Be wary of third-party sites citing a specific number here — treat any pass-rate claim you see elsewhere for this exam as unverified.

If you do not pass, you may reschedule through PSI and pay the exam fees again; the CDI and the PSI Candidate Information Bulletin set the waiting periods and any limits on attempts.

Passing standard: The CDI's exam information states that California license examinations require a score of 60 percent to pass (the Life and Disability Analyst, Adjuster and Bail exams use different standards). The exam has 150 questions (75 Property + 75 Casualty) with 195 minutes. No official pass rate for this exam was available in the sources we reviewed, so none is quoted here.

The exam has 150 questions (75 Property + 75 Casualty) with 195 minutes. Format: Combined practice format: 150 questions (Property 75 + Casualty 75) · 195 minutes. Passing standard: The CDI's exam information states that California license examinations require a score of 60 percent to pass (the Life and Disability Analyst, Adjuster and Bail exams use different standards).

• General Insurance, Contract Law, Marketplace and Tort Law15%
• Property Insurance Fundamentals and Policy Provisions7.5%
• Casualty Insurance Fundamentals and Policy Provisions7.5%
• Personal Lines Property: Residential, Valuation, Catastrophe Pools and Inland Marine19%
• Personal Lines Casualty: Residence Liability, Personal Auto, Marine and Umbrella17.5%
• Commercial Property: CPP, Commercial Property, Inland Marine, Crime, Farm and BOP15%
• Commercial Casualty: CGL, Professional, Management, Commercial Auto, Workers Compensation and Surety17.5%
• Pet Insurance1%

The content outline spreads questions across 8 areas: General Insurance, Contract Law, Marketplace and Tort Law (15.0%); Property Insurance Fundamentals and Policy Provisions (7.5%); Casualty Insurance Fundamentals and Policy Provisions (7.5%); Personal Lines Property: Residential, Valuation, Catastrophe Pools and Inland Marine (19.0%); Personal Lines Casualty: Residence Liability, Personal Auto, Marine and Umbrella (17.5%); Commercial Property: CPP, Commercial Property, Inland Marine, Crime, Farm and BOP (15.0%); Commercial Casualty: CGL, Professional, Management, Commercial Auto, Workers Compensation and Surety (17.5%); Pet Insurance (1.0%).

California requires an approved prelicensing education course for each line and a fingerprint-based license application; confirm the current requirements with the CDI before you schedule.

PSI charges a US$43 convenience fee to take the exam at a PSI location, and the CDI charges its own license examination fee; confirm both on the CDI exam-info page. License application fees, fingerprinting, prelicensing education and continuing education are separate.

After you are licensed, California requires periodic license renewal and continuing education on the department's schedule; check the department for the current hours and deadlines.

Start with the heaviest areas of the content outline: Personal Lines Property: Residential, Valuation, Catastrophe Pools and Inland Marine (19.0%); Personal Lines Casualty: Residence Liability, Personal Auto, Marine and Umbrella (17.5%); Commercial Casualty: CGL, Professional, Management, Commercial Auto, Workers Compensation and Surety (17.5%). Then work through the remaining areas, practise state-specific statutes and rules separately from the general content, and finish with timed full-length practice runs of 150 questions in 195 minutes.

Content outlines, fees and passing standards change; this guide follows the materials listed under Verification as of October 2026. Check the department and test administrator before you register.