Best Property & Casualty Insurance Exam Prep Courses

If you’re a forward-thinking finance professional, you probably understand the importance of having insurance. Just like with the kind of insurance you buy, it takes research and forethought to find the best property and casualty insurance study guides to help you get your license and start a career in the insurance industry.

We’ve listed the best pre-licensing courses online that will help you pass your exams and get a property and casualty license. Let us save you time and stress by crunching the numbers to assemble a list of the best exam prep providers currently available. 

We’ll dive into the highs and lows of each platform, providing you with a clear picture of the optimal course forward. Let’s get started.

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1. XCEL Insurance Training Property & Casualty Exam Course

XCEL Solutions distinguishes itself with a hyper-focused approach to retention. Unlike courses that throw a textbook at you, XCEL utilizes a “lock-and-key” progression system. We found this structure particularly helpful for keeping study sessions honest—you simply cannot skip ahead to the final exams until you’ve actually engaged with the core material.

Navigating the dashboard, the interface feels clean and surprisingly intuitive. There are no clunky menus or outdated graphics; everything is streamlined into a three-step process: Pre-licensing, Exam Review, and Exam Simulations.

We also noticed how accessible the platform is for mobile users. The video lessons are bite-sized (often under 10 minutes), making it easy to knock out a module on your phone while waiting in line or during a commute without needing to download a separate, space-hogging app.

If you opt for their Premier Package, the value increases significantly. It adds a Recorded Livestream Review—which acts as an excellent recap right before test day—and over 800 digital flashcards. Plus, the Unlimited Exam Simulators mimic the real state exam environment, helping to eliminate test anxiety before you ever walk into the testing center.

Pros

• Strong structured learning path that moves candidates from core lessons to focused exam review and exam simulations
• Good option for mobile learners who want to study in shorter sessions around work or other responsibilities
• Includes a large practice-question base, exam simulators, and state-specific review notes where applicable
• Offers AI study support to help explain difficult concepts and reinforce key insurance topics

Cons

• May feel too structured for candidates who want to jump straight into practice exams
• Live review options may require extra scheduling flexibility
• Some features can vary by package or state requirements

2. ExamFX Property and Casualty Insurance Review

ExamFX is our top choice on this list due to its simplicity and smart pricing structure. Right off the bat, all of the information you need to start studying for your exams can be found on a single page. This is a huge timesaver and a reflection of how the rest of this company’s products and study materials respect your time.

Need some extra info for your first try of the licensing exam? Just scroll down, and you’ll see a chart that clearly tells you the different sections on the exam and what each entails. You can go a bit further and check your state requirements with another click—just to make sure you’re well aware of all your responsibilities before your first attempt at becoming an insurance professional.

While this is all informative, what about the actual content of these courses— how does ExamFX stack up there?

Within the 60 days of access you’ll receive from signing up, you can take advantage of items like the ExamFX Interactive Learning Portal, Online Exam Simulations, a preliminary Guarantee Exam to gauge your readiness leading up to the real deal, and even Instructor support. And that’s just in the lowest-priced option!

If you want a bit more help preparing for your insurance test, this company also offers a Video Package and a Live Online Package. The Video Study package is essentially an enhanced version of the Self Study Package, with on-demand video lectures, online flashcards, and access to the audio lecture series. The Live Online Package takes this a step further by catering to those who prefer a more hands-on approach to their exam prep, allowing students to attend live online lectures.

Another aspect of ExamFX that makes them our top choice is their stellar pricing. If you’re someone who studies quickly and prefers to study on your own, you could potentially save quite a bit on high-quality exam prep.

Pros

• Offers clear package options, including self-study, video study, and live online formats
• Includes useful readiness tools like exam simulations, a readiness exam, and support
• Good fit for candidates who want to study quickly and test within a shorter timeline
• Has a pass guarantee structure for qualifying candidates who meet the readiness exam requirements

Cons

• The access window may feel short for candidates balancing work, family, or multiple exams
• Live online upgrades may be limited depending on how the course is purchased
• Some helpful features, like video lectures and flashcards, may require a higher-tier package

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3. CompuCram Property & Casualty Insurance Study Guide

Part of the larger Hondros Education Group, CompuCram is another great entry on this list for Insurance Exam Prep, drawing on its Hondros pedigree to build a reputation and identity all its own. Utilizing practice tests, flashcards, and more, CompuCram’s goal with all students is to help you pass your exam the first time with no retakes.

One aspect of the CompuCram platform that we loved is its full compatibility with mobile devices and tablets. This means that you can take advantage of study tools like Vocabulary Practice Testing as well as Simulated Exams without sitting at home on your computer. But how else does this test prep company ensure that you feel prepared for your licensing exam day? 

It all comes down to their subject-focused tracking and dashboard:

Within your CompuCram account is a list of the different steps you need to take in order to complete the course. First is a pre-assessment exam that measures your readiness before the course. After that, this course guides you through review sections that are modeled after the different categories you’ll see on your actual exam (ie Property Ownership, Land Use Controls & Regulations, etc.). 

Your progress and performance are recorded in these categories, and the results are displayed in an overall meter at the top of the screen. Similar to a speedometer in your car, this dial will continue to climb as you proceed with your study guide and indicate when you are ready for the real deal.

Take a look at their site, and you’ll see hundreds of satisfied customer reviews—they even include reviews specific to a certain region or course on each respective page. This confidence is clearly a result of a solid exam prep foundation, which we definitely can attest to from our time with CompuCram. 

However, the downside is that this company has limited availability for professionals seeking certification in key states. If you live in Alabama, Maryland, or Nebraska— you’re out of luck!

Pros

• Strong practice-first format built around vocabulary, practice testing, and simulated exams
• Readiness tracking helps candidates measure progress before scheduling the real exam
• Mobile and tablet-friendly platform makes it easier to study across devices
• Helpful for drilling weak areas through targeted review and repeated practice

Cons

• Current availability may be limited
• Guarantee terms may not apply to insurance courses in the same way they do for other exam categories
• Less ideal for students who want instructor-led teaching or classroom-style guidance

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4. Kaplan Financial Education Property and Casualty Insurance Classes Review

Kaplan’s family of educational and exam prep packages is a standout across many fields of study, and its Property & Casualty course catalog is yet another example of its impressive track record. There are many types of students with varying budgets and learning styles; hence, Kaplan’s platform and study materials adapt to these students’ needs.

While the specific details of your package may vary depending on your enrollment status, you can expect to choose among 4 package bundles. Essentially, the biggest differences between these boil down to how you prefer to study and receive lecture content: self-study vs. live online prep.

Kaplan also offers separate study materials in digital or physical formats, such as a property and casualty License Exam Manual (LEM) and a State Law Supplement, which includes a multiple-choice review at the end of the text. They’ve even developed a library of online study tools to help keep you on track throughout the process. 

Kaplan continues to help you feel secure as you prepare for your licensing exam by providing you with important milestones. Checkpoint Exams test you on key concepts in a manner that is similar to the real thing. Lastly, there are Certification Exams that must be passed to take the state exam; these are included in all state packages.

Pros

• Offers a wide range of study formats, including self-study, live online classes, and supplemental tools
• Strong practice tools, including customizable question banks and simulated exams
• Includes helpful materials like manuals, state law supplements, flashcards, QuickSheets, and video or audio review
• Provides structured progress tools such as study plans, assessments, checkpoint exams, and mastery exams

Cons

• The number of packages and add-ons can make it harder to choose the right option
• Costs can increase if candidates add extra tools or standalone study materials
• Package details and requirements may vary by state

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5. NRS/A.D. Banker Property and Casualty Insurance License Course

With a slightly limited catalog compared to the other listed courses, NRS still has something to offer you when preparing for a career selling property & casualty insurance.  Additionally, the need to sign up for an account with a separate site before even viewing their insurance pre-licensing course catalog is somewhat concerning. But once you do, you’ll have the following options:

• Online Course: This option provides you with practice exams, practice questions, a pass guarantee, mobile compatibility, and the option to purchase flashcards for an extra fee.
• Classroom: Depending on your state and city, you might be able to attend physical classes for a traditional learning experience if you book a specific date. You can add on extra practice exams or flashcards for a higher price.
• WebClass: Essentially an upgraded version of the Online Course with live instruction from a professor with personal insurance experience. As with the physical classroom option, you’ll need to book a specific date in advance.

It’s also important to keep in mind that NRS’s offerings have a heavy focus on Continuing Education. While this may be useful to you in the future, it can make it confusing to differentiate among their catalog offerings—especially when you have to sign up for an account just to access half of them!

Pros

• Offers multiple learning paths, including online self-study and web-class options
• Strong vocabulary support through flashcards and searchable terms
• Includes modules, chapter exams, practice exams, a printable study manual, notes, and support
• Updated course design includes videos, activities, summaries, and separate Personal Lines and Commercial Lines review

Cons

• Can feel jargon-heavy for beginners who are brand new to insurance
• Requires self-discipline, especially for candidates using the self-study format
• Some useful supplemental tools may cost extra unless they’re included in a bundle

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FAQs

What is a property and casualty insurance license?

A property and casualty insurance license allows you to sell insurance products that protect people and businesses from financial losses related to property damage, liability claims, auto accidents, homeowners’ losses, business risks, and similar exposures. It’s one of the most common licenses for people who want to become insurance agents, brokers, or producers.

How do you get a property and casualty insurance license?

The process usually includes completing any required prelicensing education, passing your state’s property and casualty licensing exam, submitting a license application, paying state fees, and completing any required background check or fingerprinting. Exact requirements vary by state, so candidates should check their state’s insurance licensing rules before enrolling in a course or scheduling the exam.

Is prelicensing education required for property and casualty insurance?

Prelicensing education depends on the state. Some states require candidates to complete an approved course before taking the exam, while others may allow candidates to sit for the exam without a formal prelicensing course. Even when it’s not required, a prep course can still be helpful because the exam covers policy types, exclusions, limits, liability concepts, state laws, and insurance terminology.

How hard is the property and casualty insurance exam?

The property and casualty insurance exam can be challenging because it tests both broad insurance concepts and state-specific rules. Many candidates struggle with policy language, coverage exclusions, liability limits, and scenario-based questions. The best way to prepare is to study consistently, review state-specific material, take practice exams, and make sure you understand why each answer is right or wrong.

Can I use my property and casualty license in more than one state?

Your resident license is issued by your home state, but many agents apply for nonresident licenses to sell insurance in additional states. Nonresident licensing rules, fees, and requirements vary, and candidates usually need to apply through the state insurance department or a licensing platform such as NIPR.