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The Texas P&C exam, in one paragraph
The Texas General Lines – Property & Casualty exam (Pearson VUE code InsTC-PC06) is the licensing exam for Texas’s main property and casualty producer license, administered by Pearson VUE for the Texas Department of Insurance. You will see 145 multiple-choice questions in 150 minutes: 130 are scored — 100 on general insurance knowledge and 30 on Texas statutes and rules — and 15 are unscored pretest questions you cannot identify. You pass with a scaled score of 70. Texas requires no pre-licensing education for this license, so the exam is the whole gate: pass it, complete a fingerprint background check, and apply to TDI within 12 months.
Who can take the Texas P&C exam?
Texas keeps the front door simple. To be licensed as a General Lines – Property & Casualty agent, TDI requires that you:
- Be at least 18 years old.
- Pass the licensing exam (this one), and submit a completed license application within 12 months of passing.
- Submit a fingerprint receipt with your application — the fingerprint background check described in the fees and registration section below.
- Have not committed an act for which a license may be denied, as defined in Texas Insurance Code §4005.101 and 28 Texas Administrative Code §1.502 (the handbook lists the conduct categories; a felony conviction or administrative action against another license must be disclosed and can affect eligibility).
- Complete no pre-licensing education. Unlike most states, Texas sets no classroom or course hours before this exam. Preparation is entirely your choice — which makes the quality of your preparation the variable you control.
Two special cases worth knowing:
- CPCU exemption. Holders of the Chartered Property Casualty Underwriter (CPCU) designation are exempt from this exam under Texas Insurance Code §4002.003.
- Temporary license. If an insurance company, agent, or agency sponsors you, you may receive a temporary 180-day license before passing; it cannot be renewed, and it carries its own training obligations. It is a bridge some employers use — not the standard path, and it does not remove the exam requirement for the permanent license.
The exam, piece by piece
The exam is a single sitting with two content parts, built from Pearson VUE’s Texas content outline (effective September 1, 2026). The general-knowledge part is split between property and casualty; the Texas part is state law only.
| Part / section | Scored questions | What it covers |
|---|---|---|
| General knowledge — Property | ||
| I. Types of Policies | 22 | Homeowners, dwelling, auto, flood, and other property policy forms — what each covers and excludes |
| II. Insurance Terms and Related Concepts | 15 | Risk, perils, hazards, valuation, coinsurance, and core property vocabulary |
| III. Policy Provisions and Contract Law | 13 | Policy structure, conditions, and the contract principles insurance policies are built on |
| General knowledge — Casualty | ||
| IV. Types of Policies, Bonds, and Related Terms | 23 | Liability, auto, workers’ compensation concepts, commercial lines, bonds |
| V. Insurance Terms and Related Concepts | 15 | Negligence, liability concepts, limits, and casualty vocabulary |
| VI. Policy Provisions | 12 | Casualty policy provisions, endorsements, and conditions |
| Texas statutes and rules | ||
| Texas Statutes and Rules Common to Property & Casualty Insurance | 18 | The Commissioner and TDI, licensing rules, marketing practices, agent duties — the rules for every Texas producer |
| Texas Statutes and Rules Pertinent to Property & Casualty Insurance | 12 | Texas-specific P&C: TWIA, the FAIR Plan, the guaranty association, auto minimums, Texas policy rules |
| Total scored | 130 | Plus 15 unscored pretest questions (10 general + 5 Texas) = 145 on screen |
Three structural facts that shape how you should prepare:
- The two Types of Policies sections carry 45 of the 100 general questions. Policy forms are the exam’s center of gravity.
- Texas law is 30 of 130 scored questions — 23% of the exam. It is also the most concrete material tested: statutory deadlines, dollar amounts, day counts, named Texas institutions. Candidates who prepare from a national textbook alone walk in underprepared for nearly a quarter of the test.
- There is one score, not two. Unlike exams split into separately-passed portions, the Texas exam produces a single result: the general and Texas questions combine into one scaled score. A weak Texas section can be offset by a strong general section — and the reverse is also true.
Pretest questions. The 15 pretest items are tryout questions Pearson VUE is evaluating for future exams. They are indistinguishable from scored questions, they do not affect your result, and there is no way to game them — the only correct strategy is to treat every question as scored.
The passing standard, explained
You pass with a scaled score of 70.
A scaled score is not a percentage of questions answered correctly. Pearson VUE converts raw results onto a common scale so that different versions (forms) of the exam — which mix slightly different questions — all demand the same level of knowledge. A question set that runs slightly harder is compensated by the scale; an easier one is held to the same standard. Two consequences:
- “70%” study targets are misleading. You cannot convert your practice percentage into a predicted scaled score precisely. The safe approach is to practice until your full-simulation scores sit comfortably above the passing zone, with no outline section left weak — because the scaled result draws on the whole exam.
- Your score report is the only official reading. You leave the test center with an official score report in hand. Candidates who do not pass receive diagnostic information about their performance, which is the starting point for a retake plan.
For calibration: Pearson VUE publishes Texas examination pass rates, and its reports put first-time success on this exam at roughly 60% of candidates, with repeat candidates passing at a lower rate (roughly 37%). The exam is passable and routinely passed — by candidates who prepare against the outline. It is not routinely passed by candidates who do not.
Fees and registration, step by step
Keep the three payments separate in your mind — they go to three different places at three different times.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee | $49 | Pearson VUE | When you reserve your appointment |
| Fingerprinting | IdentoGO’s fee (separate) | IdentoGO by IDEMIA | When you attend your fingerprint appointment |
| License application | $50 per license type | TDI, via Sircon | After you pass |
Exam and application fees are non-refundable and non-transferable.
The sequence, in order:
- Reserve the exam. Create your account and book on Pearson VUE’s Texas insurance page (or call 888-754-7667). Reservations can be made up to one calendar day before the test day, subject to availability — but book earlier than that; you want the date, not the leftover slot. Your account name must match your government-issued ID exactly. The exam is given at Pearson VUE test centers, in English (InsTC-PC06) or Spanish (InsTC-PC26).
- Start the fingerprint process. TDI directs applicants to begin through its initial-application and fingerprint portal, which provides the service code and instructions for booking with IdentoGO. Fingerprints go to both the Texas Department of Public Safety and the FBI. Most first-time resident applicants must be fingerprinted; limited exceptions exist (for example, qualifying fingerprints already on file). Keep your receipt — your license application needs it.
- Take the exam. Arrive at least 30 minutes early, with the identification the handbook requires. You receive your official score report before you leave.
- Apply for the license — after passing. Submit the electronic application through Sircon (www.sircon.com/texas) or NIPR, with the $50 fee and your fingerprint receipt. TDI’s warning is worth heeding: applying before you pass can require a brand-new application and a second fee.
- Get appointed. A license lets you hold the authority; an appointment by an insurance company is what lets you sell that company’s products. Appointment follows licensure and is arranged with each carrier you will represent.
Retakes and score validity
- Retakes. If you do not pass, you may reserve a new appointment and test again; Texas does not impose a waiting period between attempts beyond scheduling, and the $49 exam fee applies to each attempt. Use the diagnostic information on your score report to rebuild your study plan around the sections that cost you — a second attempt with the same preparation usually produces the same result.
- Score validity. Your passing score is usable for 12 months. TDI requires the completed license application within one year of the date you passed; after that window, the exam must be retaken, whatever your score was.
- A passed exam cannot be retaken to improve a result — passing is passing, and the 12-month clock starts.
Test day
- Arrive 30 minutes early to complete registration. Late arrival can mean denied admission and a forfeited fee — Pearson VUE does not honor grace periods.
- Bring the required identification. Your registration name must match your government ID; a mismatch is the most preventable way to lose an exam day. Leave personal items behind — test centers enforce strict rules on what enters the testing room, and the handbook’s exam-day section is the authority on what is provided and what is banned.
- Pace for 145, not 130. You have 150 minutes for everything on screen, including the 15 pretest items you cannot identify. That is roughly a minute per question. Flag-and-return discipline matters: a hard question costs the same minute whether you answer it now or after the ones you know.
- Results are immediate. You leave with an official score report. If you passed, your next steps are the application steps in the fees and registration section — start them promptly; the 12-month clock is already running.
How to study for this exam
The outline is the syllabus — Pearson VUE publishes exactly what the exam covers, section by section, and the weights above are question counts, not suggestions. A plan built on that structure:
- Start with the Texas sections. Thirty questions — nearly a quarter of the exam — come from Texas statutes and rules, and they reward direct memorization of concrete facts: what TWIA and the FAIR Plan do, what 30/60/25 means, how Texas’s voluntary workers’ compensation system and nonsubscription work, what the guaranty association covers, which deadlines and dollar figures the Insurance Code sets. This is the highest-yield study block on the exam and the one national materials underweight.
- Give the two Types of Policies sections their combined weight. At 45 of 100 general questions, policy forms — homeowners, dwelling, personal and commercial auto, commercial property and liability, flood — decide the general half. Learn them comparatively: what each form covers, excludes, and how it pays.
- Learn terms in context, not as a glossary. The two Terms and Related Concepts sections (30 general questions) test vocabulary through scenarios. Definitions learned inside questions stick; definitions learned off a list leak.
- Practice at full length, against the clock. 145 questions in 150 minutes is a pacing skill separate from knowledge. Full generated practice exams at the real weights build both; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
- Schedule the exam when your simulations say so — consistently comfortable full-exam practice scores, with the Texas sections no longer your weakest block.
This program’s Texas practice bank (9,951 questions, including 2,457 on Texas statutes and rules) is built section-by-section on this same outline. The Texas Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Texas P&C exam?
145 questions appear on screen in 150 minutes. 130 are scored — 100 general knowledge and 30 Texas statutes and rules — and 15 are unscored pretest questions mixed in so candidates cannot tell them apart.
What is the passing score for the Texas insurance exam?
A scaled score of 70. Scaled scores are adjusted across exam forms so every version demands the same knowledge, so 70 is not the same as 70% correct.
Does Texas require pre-licensing education for a P&C license?
No. Texas sets no pre-licensing education requirement for the General Lines – Property & Casualty license. You prepare on your own, pass the Pearson VUE exam, complete fingerprinting, and apply.
How much does the Texas P&C exam cost?
The exam fee is $49, paid to Pearson VUE when you reserve. The license application after you pass is $50, paid through Sircon, and fingerprinting through IdentoGO carries its own separate fee.
How do I register for the Texas insurance exam?
Reserve through Pearson VUE’s Texas insurance page or by calling 888-754-7667. Appointments can be made up to one calendar day in advance, subject to availability, and the name on your account must match your government-issued ID.
Can I take the Texas insurance exam online?
No — Texas insurance licensing exams are taken at Pearson VUE test centers. The exam is offered in English and Spanish.
What happens after I pass the Texas P&C exam?
Apply for your license through Sircon or NIPR within 12 months, with the $50 application fee and your fingerprint receipt. If the application is not completed inside 12 months, the exam must be retaken.
How long is my Texas exam score valid?
Twelve months from the date you pass — the same window TDI gives you to complete your license application.
If I fail, how soon can I retake the Texas exam?
You may reserve a new appointment without a state-imposed waiting period; the $49 fee applies to each attempt. Your score report’s diagnostic information shows where the attempt was lost.
What is the Texas temporary insurance license?
A sponsored applicant may receive a temporary license — valid 180 days and not renewable — before passing the exam, when an insurance company, agent, or agency requests it. It carries its own training obligations and does not replace the exam for the permanent license.
Who is exempt from the Texas P&C exam?
Holders of the CPCU designation are exempt under Texas Insurance Code §4002.003, and licensed non-residents in good standing in a reciprocal state generally apply without examination. Most first-time Texas residents must test.
What Texas-specific topics does the exam cover?
The 30-question Texas section covers statutes and rules common to all producers (the Commissioner, licensing, marketing practices, agent duties) and rules pertinent to P&C: the Texas Windstorm Insurance Association, the FAIR Plan, the Property & Casualty Insurance Guaranty Association, 30/60/25 auto liability minimums, and Texas’s voluntary workers’ compensation system, among others.
What is a scaled score, in plain terms?
A way of making different versions of the exam equally hard to pass. Your raw result is converted to a standard scale where 70 always means the same level of knowledge, even if one form’s questions ran slightly harder than another’s.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Texas Department of Insurance, Pearson VUE, or any state agency or exam vendor. This guide is general information about the Texas licensing exam, current as of October 2026; TDI and Pearson VUE publications govern if anything here differs from them.