How Many Questions Are on the Texas P&C Exam? (Full Breakdown)

The Texas General Lines Property & Casualty exam has 145 questions and you get 150 minutes.

But the number that actually decides your result is different: only 130 of those questions are scored. The other 15 are unscored pretest questions that Pearson VUE is trialling for future exams. They are mixed in among the real ones and not identified — you cannot tell which is which, and you should not try.

• Total questions: 145
• Scored: 130 (100 general knowledge + 30 Texas-specific)
• Unscored pretest: 15
• Time: 150 minutes (about 62 seconds per question)
• Passing score: 70 on a scaled 0–100 scale

This is the part most study guides leave out. The Texas Department of Insurance publishes exactly how the 130 scored questions are distributed, in the Pearson VUE examination content outline. Here it is:

General knowledge — 100 scored questions

Content area	Scored questions
Types of Policies (property)	22
Insurance Terms and Related Concepts (property)	15
Policy Provisions and Contract Law (property)	13
Types of Policies, Bonds, and Related Terms (casualty)	23
Insurance Terms and Related Concepts (casualty)	15
Policy Provisions (casualty)	12

Texas-specific — 30 scored questions

Content area	Scored questions
Texas statutes and rules common to property and casualty	18
Texas statutes and rules pertinent to property and casualty	12

Add up the two halves and a pattern appears that almost nobody points out: property topics account for 50 scored questions (22 + 15 + 13) and casualty topics for exactly 50 as well (23 + 15 + 12). The exam is a precise 50/50 split between the two sides of the license — plus the 30 Texas questions on top.

If you have been giving one side more study time because it feels bigger, the outline says otherwise.

Three things follow directly from the table above.

1. The Texas section is worth more than any single content area. Thirty questions — 23% of your scored total — beats Types of Policies (22) and everything else. It is also the material national study books cover worst, because it is unique to one state. If you are short on time, this is the highest-value block on the exam, and it is close to pure memorization: TDI rules, licensing and CE requirements, TWIA, the FAIR Plan, TAIPA.

2. Policy types dominate the general half. Types of Policies on both sides totals 45 scored questions — more than a third of your score. Knowing which form covers what (HO-1 through HO-8, DP-1 through DP-3, BOP, CGL, personal auto) is the single densest scoring opportunity.

3. Provisions are the smallest block, not the largest. Policy provisions across both sides is 25 questions. Important, but not where you should spend half your prep.

A reasonable allocation that mirrors the exam: roughly a quarter of your time on Texas statutes, a third on policy types, and the rest spread across terms and provisions. Our 3-week study plan is built on exactly this weighting.

Pretest questions are how any large exam programme builds its future question pool. Pearson VUE embeds candidate questions in live exams, collects statistics on how test-takers answer them, and only promotes the ones that perform well into the scored pool.

Two practical consequences:

• You cannot identify them. They look exactly like scored questions and are scattered throughout. Any advice about “spotting the pretest questions” is nonsense.
• An unusually strange question may simply not count. If you hit something that feels off-syllabus, answer it, let it go, and move on — there is a reasonable chance it is one of the 15.

Do not budget your time as though only 130 questions exist, though. You still have to read and answer all 145 within the 150 minutes.

No. Pearson VUE uses multiple forms of the exam, and this has a consequence most candidates find surprising.

Because different forms can vary slightly in difficulty, the raw number of correct answers required to pass is not identical across them. The candidate handbook gives the mechanics plainly: a given number of correct answers might be the passing standard on one form while a slightly different number is the standard on another. The raw score is then converted through a process called scaling onto a common 0–100 reporting scale.

That is why your reported score is not the percentage of questions you answered correctly. A 70 is the pass mark on the scaled scale, not “70% correct”. A reported 65 tells you how close you came to the standard — it does not mean you got 65% of the questions right.

The practical takeaway: comparing your reported score with someone else's, or reverse-engineering how many questions you missed, is not meaningful. Aim comfortably above the standard rather than trying to calculate the minimum.

145 questions in 150 minutes works out to roughly 62 seconds each. That sounds tight and mostly is not — many questions are quick definitional recall you will answer in twenty seconds, which banks time for the scenario questions that genuinely need ninety.

Useful checkpoints during the exam:

• At question 50, about 100 minutes should remain
• At question 100, about 45 minutes should remain
• Reaching question 145 with 5–10 minutes spare is a good result — use it on flagged questions, not on second-guessing answers you were confident about

Practising under a timer matters more than most people expect. Knowing the material and running out of time produce the same score report. A full-length timed practice exam before the real thing is the cheapest insurance against that.

If you are weighing both licenses, the formats are nearly identical:

	General Lines P&C	General Lines L&H
Total questions	145	145
Scored / pretest	130 / 15	130 / 15
Time	150 min	150 min
Texas-specific scored	30	30
Exam fee	$49	$49
First-time pass rate (Apr–Jul 2026)	57–62%	53–55%

Same shape, same price, same length — and contrary to the common assumption, the Life & Health exam has the lower pass rate of the two. Breakdown of its Texas section: the 30 L&H state-specific questions.

Knowing the distribution only helps if your practice reflects it. LanePrep's Texas P&C course mirrors the content outline chapter by chapter, and the full practice exam is built at 145 questions with a 150-minute timer so pacing is something you have already rehearsed.

Try 25 free practice questions with full explanations, or take the free 50-question practice exam — no signup for either.

Question counts and weightings in this guide come from the Texas Department of Insurance examination content outline published by Pearson VUE, and the scoring mechanics from the Texas insurance candidate handbook, both read August 2026. A revised outline takes effect September 1, 2026; we compared the two and the P&C weightings are unchanged — see what that update does and does not change.