What Is the Texas P&C Insurance Exam?

The Texas Property & Casualty (P&C) Insurance License Exam is the state-required test you must pass to sell property and casualty insurance products in Texas. It's administered by Pearson VUE at testing centers across the state.

This exam is required for anyone who wants to become a licensed P&C insurance agent or adjuster in Texas. Whether you're starting a career in insurance, adding a license line, or switching from another state, this is the test standing between you and your license.

Here are the key facts about the exam:

• Number of questions: 150 multiple-choice
• Time limit: 2 hours and 30 minutes
• Passing score: 70% (105 out of 150 correct)
• Exam fee: $55 per attempt
• Format: Computer-based at a Pearson VUE testing center
• Results: Immediate — you'll know before you leave the center

The questions are drawn from Content Outline #124401, which divides the material into 8 major topic areas covering property policies, casualty policies, insurance terms, contract law, and Texas-specific statutes.

Before you can sit for the exam, you must:

1. Complete 40 hours of pre-licensing education from a TDI-approved provider. This is mandatory — you cannot skip it.
2. Register with Pearson VUE at prometric.com/texas or by calling their scheduling line.
3. Pay the $55 exam fee at registration.
4. Submit fingerprints for a background check through the Texas Department of Insurance.

Important: LanePrep is supplementary exam prep — it helps you study and retain the material, but it does not count toward your 40-hour pre-licensing requirement. Think of it as the study tool you use alongside your pre-licensing course.

Registration is done through Pearson VUE. You can schedule online or by phone. When booking, look for "Texas Property and Casualty Insurance" as the exam title.

Choose a testing center near you — there are locations in most Texas cities including Houston, Dallas, Austin, San Antonio, and El Paso. Morning time slots tend to fill up fastest, so book early if you prefer a morning exam.

You can reschedule up to 24 hours before your appointment without penalty. If you need to cancel, the same 24-hour rule applies.

Arrive at least 30 minutes early. You'll need to present:

• Two forms of ID — one must be government-issued with a photo (driver's license, passport)
• The second can be a credit card, social security card, or another form with your name and signature

You'll be assigned a computer workstation in a monitored testing room. No personal items are allowed — no phone, no notes, no calculator (one is provided on-screen if needed).

After completing the exam, you'll see your score immediately on screen. A printed score report will be available at the front desk. If you passed, you'll receive instructions on how to apply for your license through TDI.

Don't panic. You can retake the exam after a 24-hour waiting period. There's no limit on retakes, but you'll pay the $55 fee each time.

Use your score report to identify weak areas. If you scored well on property but poorly on Texas statutes, focus your study time there. LanePrep's chapter-by-chapter structure makes it easy to target specific content areas.

Most candidates who fail on their first attempt pass on their second try. The key is targeted study, not more study — focus on what you got wrong.