Pass the Texas Property & Casualty Insurance Exam on Your First Try
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The Texas Property and Casualty insurance license exam is a 150-question, proctored test administered by Pearson VUE on behalf of the Texas Department of Insurance (TDI). You have 2 hours and 30 minutes to complete it, and you need a score of 70% or higher to pass. The exam tests five areas drawn directly from the TDI exam content outline: General Insurance concepts, Property Insurance, Casualty Insurance, Personal Lines, and Texas Insurance Code & Regulations. The Texas-specific section is where many out-of-state candidates stumble — TDI rules around producer licensing, policy cancellation notice requirements, and unfair trade practices differ meaningfully from other states. Candidates who pass on the first attempt consistently report that practicing with realistic, blueprint-aligned questions made the difference.
Exam details
The Texas P&C exam is administered by Pearson VUE at testing centers across Texas. You must schedule your exam through the Pearson VUE website after submitting your license application to TDI and receiving your candidate ID. The exam consists of 150 scored questions — unlike some states, Texas does not include unscored pilot questions in the P&C exam. You need 105 correct answers (70%) to pass. Results are delivered immediately on screen at the testing center. If you fail, you may retake the exam after a 24-hour waiting period, with no limit on total attempts. The retake fee is the same $63. Before sitting for the exam, Texas requires completion of a state-approved pre-licensing education course: 40 hours for P&C. You must submit your course completion certificate when applying through Sircon or NIPR. The license, once issued, is valid for 2 years and requires 24 hours of continuing education to renew.
A new test and solution key are generated each time; the solution key link is included in the PDF.
Three areas account for a disproportionate share of failures. First, the Texas nonsubscriber workers compensation system: Texas is the only state where private employers can legally opt out of the state workers comp system. Exam questions test what nonsubscription means for employer liability exposure, employee rights, and how coverage works for subscribing vs. nonsubscribing employers. This is purely Texas-specific knowledge with no parallel in other states. Second, cancellation and nonrenewal notice rules: Texas has specific statutory timelines — 10 days notice for cancellation for nonpayment, 30 days for other cancellations within the first 60 days, and 60 days for policies in force longer than 60 days. These numbers are tested with precision and are easy to confuse under pressure. Third, coinsurance and the 80% rule in property coverage: questions require you to calculate actual claim payouts when the insured is underinsured relative to the coinsurance requirement. Candidates who have not worked through calculation examples consistently miss these.
150 questions, all scored. Texas does not include unscored pilot questions in the P&C exam, so every question counts toward your final score.
70%, which means 105 correct answers out of 150. Results are shown immediately at the Pearson VUE testing center.
Yes. Texas requires 40 hours of state-approved pre-licensing education for the P&C license. You must submit your course completion certificate when applying through Sircon or NIPR. The pre-licensing requirement cannot be waived.
Schedule through Pearson VUE after TDI processes your application and issues a candidate ID. You can book online at pearsonvue.com or by phone. Testing centers are available in all major Texas metros.
2 years. You must complete 24 hours of continuing education (CE) to renew, including at least 3 hours of ethics. Renewal is handled through TDI or a CE provider.
Yes, if your home state has a reciprocal agreement with Texas. Reciprocal applicants from most states do not need to retake the exam, but must still apply through TDI, submit a letter of certification from their home state, and meet any other TDI requirements. Check the TDI website for your specific state.
Texas is the only state that allows private employers to opt out of the workers compensation system. Employers who opt out (nonsubscribers) lose certain legal protections and face unlimited tort liability for workplace injuries. The exam tests this distinction in both the Casualty and Texas Code sections.
You must wait 24 hours before retaking the exam. There is no limit on the number of attempts, and each retake costs $63.
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