How hard is it to pass the property and casualty insurance exam?

The property and casualty exam is a real hurdle: first-time pass rates generally fall between 50% and 70%, and Texas reported a 53% pass rate for the property and casualty exam in February 2021. Most states set the passing score at 70%, with California producer exams at 60%, and prep providers recommend about 40 hours of study. State-specific insurance law can make up 20% to 30% of the questions, so candidates who ignore their state's rules commonly fail.

The combined Property and Casualty exam is one of the longer tests: 150 multiple-choice questions in 3 hours, with 105 correct answers (70%) needed to pass. National Association of Insurance Commissioners (NAIC) pass rates cited by trade press put the combined Property and Casualty rate at about 54.9%. If you fail twice, you must wait 90 days before retaking, and repeated failures in related exams cross-apply; for example, repeated Property failures block the combined Property and Casualty exam.

Alaska requires a scaled score of 70 to pass, and each major-lines exam has two parts: a general portion covering insurance products and an Alaska law portion, each with 50 scored questions plus unscored pretest items. About half of candidates pass the property and casualty exam on the first attempt. Alaska does not require prelicensing education, so exam preparation is self-directed.

The passing score is 70% correct. Arizona allows up to 4 attempts in a 12-month period under ARS §20-284(H), and after a fourth failed attempt you must wait one year before retaking that exam. Each exam includes 5 to 10 unscored experimental questions, and the content outlines cover both general insurance topics and Arizona statutes, so preparation against those outlines drives the result.

The passing score is 70%, and the Arkansas Property/Casualty exam is a single combined 3.5-hour exam covering both lines. A substantial share of first-time candidates do not pass, so plan to study the material thoroughly. You may take the exam up to 3 times within the 90-day permit period; after a third failure or 90 days, you must wait 4 weeks and repeat the application process.

The combined Property and Casualty exam has 150 questions with 195 minutes to finish, and it requires a 60% score to pass, the same as California's other producer exams. That leaves more than a minute per question, so candidates who study the exam objectives generally have enough time. First-time pass rates vary, and California also offers the exam in Spanish, Simplified Chinese, Vietnamese, Korean, and Tagalog if English is not your strongest language.

The Colorado Division of Insurance publishes no numeric passing score; Pearson VUE converts raw scores to a 0 to 100 scale, and only failing candidates receive numeric scores. The Property exam has 75 scored questions and the Casualty exam has 81, plus unscored pretest questions that do not count. Most first-time candidates pass, and completing the full 50-hour prelicensing course for each line is the standard preparation.

The Connecticut Insurance Department sets the passing score, which is 70% for the combined Property and Casualty producer exam, in a 2.5-hour multiple-choice session that also mixes in unscored pretest questions. There is no stated limit on retakes, but you must wait 24 hours before making a re-examination reservation, and each attempt costs $105. Because there is no penalty for incorrect answers, the handbook advises guessing rather than leaving questions blank.

Passing requires a scaled score of 70 or 80 out of 100, depending on the exam, and the required score appears on your score report. The Property exam has 85 scored questions (50 general plus 35 Delaware-specific) and the Casualty exam has 95 (50 plus 45). If you fail one portion, you retake only that portion, but you must pass both within 1 year of passing the first. There is no limit on retakes, and you can rebook after a 24-hour wait.

DC requires a scaled score of 70 to pass each licensing exam. The Property exam and the Casualty exam each allow 2 hours and cover general insurance knowledge plus DC insurance law, since the exams reflect the District's statutes and regulations. If you fail, you must wait 24 hours before making a reexamination reservation and pay the $75 exam fee again.

The Florida general lines (2-20) exam is a substantial test: 175 total questions (160 scored plus 15 unscored pretest) with a 3-hour time limit, and a 70% passing score is required. Pearson VUE publishes a free candidate handbook and content outline, and sells an online practice test for $19.95. If you fail, you simply reschedule and pay again on the Pearson VUE website; no re-application to DFS is required, and you have up to 5 attempts per rolling 12-month period.

You must answer 70% of the questions correctly to pass. The combined Property and Casualty exam allows 2.5 hours of testing time, while the separate Property and Casualty exams each allow 2 hours. There is no limit on retakes: you wait 14 days to retest after the first two attempts and 60 days after the third and later attempts.

Idaho's Property and Casualty exams are separate 105-minute tests with 68 and 70 scored questions, respectively. NAIC data indicate about 55% of candidates pass the property and casualty exam on the first attempt, so focused study matters. The Department of Insurance publishes a content outline for each exam, and that is the place to start.

The Illinois property and casualty exams require a passing score of 70 on a 0-100 scale, and national pass rates for these exams generally run near 60%, so preparation matters. Each line has a General exam and a State exam: the property General exam has 50 scored questions in 75 minutes, and the state exam has 30 scored questions in 50 minutes. If you pass one section but fail the other, you only retake the failed section within the 90-day window.

The Indiana Property and Casualty exam requires a 70% score and includes 150 questions over 180 minutes. The exam divides into a general knowledge section (100 scored questions plus 10 pretest) and an Indiana state section (35 scored questions plus 5 pretest). Pretest questions are unscored, so sustained preparation in both sections is what carries the score.

You must pass two separate exams, Property and Casualty, each 2 hours long, with 81 and 83 scoreable questions respectively, plus unscored pretest items. Each exam has a general section and an Iowa-specific section on state law, and the Iowa Insurance Division sets the passing score without publishing a number. A failed attempt requires paying the $44 fee again, and you must wait 24 hours before making a reexamination reservation.

The Kansas Department of Insurance sets the passing score at 70% for every Kansas insurance exam, including the combined Property & Casualty and Allied Lines exam, which costs $64 and allows 150 minutes as of July 2026. On a combination exam you must pass the entire combined exam to qualify for a Kansas license. If you fail, you may retake it after waiting at least seven calendar days, with no limit on attempts; Pearson also offers online practice tests.

Kentucky administers the property and casualty license as two separate exams, each requiring a 70% passing score, though the fee is combined when both are taken at the same sitting. First-attempt pass rates vary, and many candidates need at least one retake. You can test an unlimited number of times within a 120-day window at $50 per retake, and the exams are computerized with results available at the testing site.

The Property and Casualty exam (PSI Series 106) has 150 questions with 160 minutes allowed, and you must score at least 70% to pass. Louisiana requires no prelicensing education, so candidates prepare on their own or through optional courses. A failed exam can be retaken without limit within the one-year score validity period, though you cannot schedule a new appointment on the same day you fail.

Maine sets the passing score at 70 on a 0-100 scale. The combined Property and Casualty producer exam has 140 scoreable questions, spread across general property, general casualty, and Maine-specific sections, plus unscored pretest questions, in 3 hours 30 minutes of testing time. Candidates who fail receive a numeric score showing how close they came and must wait one day before scheduling a retest.

The Maryland property and casualty exam requires a 70% score to pass. The combined Property and Casualty Producer exam has 120 scored questions plus 10 unscored experimental questions, a 2.5-hour time limit, and insurance regulation content that makes up 30% of the test. If you fail, you must wait 4 days before retaking it. Nationally, pass rates for property and casualty exams tend to run somewhat above half of test takers.

Each Massachusetts producer exam has 80 scored questions, 50 on general insurance knowledge and 30 on Massachusetts law, plus 5 unscored pretest questions, and passing takes a scaled score of 70 set by the Division of Insurance with Pearson. The Property and Casualty lines require two separate exams. Questions are multiple choice with four options, there is no penalty for guessing, and a failed attempt means reapplying and paying the $37 exam fee again.

The Michigan Property and Casualty Producer exam is one of the tougher insurance exams. Department of Insurance and Financial Services examination data shows a pass rate of about 47.57% (989 of 2,079 test takers) for the combined exam, which has 150 items in 2.5 hours and a 74% cut score. The single-line Property exam requires 75% to pass and the single-line Casualty exam requires 74%, each with 100 items in 2 hours. Candidates must complete 40 hours of pre-licensing education (20 hours per line) before sitting for the exam.

You need 70% correct to pass, and national first-attempt pass rates for the Property & Casualty exam are around 55% based on NAIC data. The combined exam allows 3 hours. If you fail, you must reapply and pay the exam fee again; you cannot retest the same day, though you may retest as soon as two days later.

You need a scaled score of 70 out of 100 to pass the combined Property and Casualty exam, which runs 3 hours and mixes in unidentified pretest questions that do not count against your score. The exam has a general knowledge section and a Missouri-specific section covering state statutes and rules. Roughly two-thirds of first-time test takers pass, and a failed exam can be retaken after a one-day wait.

Montana splits the credential into two separate Pearson VUE exams — Property with 82 scoreable questions and Casualty with 87 — and each requires a score of 75 to pass. First-attempt pass rates for property and casualty exams run around 55%, so many candidates need a retake. Candidates who fail must retake the entire exam and wait 24 hours before rescheduling.

You must answer at least 70% of the questions correctly to pass. Nebraska offers separate Property and Casualty exams ($43 each) or one combined exam ($47), and a substantial share of first-time test takers do not pass. Nebraska allows unlimited retakes with no waiting period between attempts.

The Property and Casualty exams require a scaled passing score of 70, per Nevada Administrative Code 683A.270. Each exam combines a general knowledge section and a Nevada-specific section into a single score: Property has 50 general plus 32 Nevada questions, and Casualty has 50 general plus 39 Nevada questions. If you fail, you must retake the entire exam. The combined Property/Casualty exam costs $47, and single-line exams cost $37.

The Property and Casualty exam (PSI series 12-64) is demanding, and many candidates do not pass on the first attempt. New Hampshire requires no prelicensing course, so preparation is up to you; the PSI candidate bulletin outlines the exam content. A candidate who does not pass can retest as soon as the next business day, depending on space.

You must score at least 70% to pass, and the exam is multiple choice. Each exam includes 5 to 19 unscored experimental questions, and your score is displayed on screen when you finish. PSI administers the exams at New Jersey test centers and through remote proctoring; if you fail, you can retest as soon as the next day after results process, depending on availability.

The property and casualty exam requires a minimum score of 70% to pass. New Mexico offers separate Property and Casualty exams plus a combined version, all administered through PSI, and the state does not require a prelicensing course. You may take the exam up to 4 times, but a fourth failed attempt triggers a six-month waiting period before you can retake it.

The New York property and casualty exam asks 150 questions in 2.5 hours, and you need 70% correct to pass. First-time pass rates commonly fall in a roughly 50-70% range, so a sizable share of candidates fail at least once. If you fail, you can retest as soon as the following Friday, and there is no limit on the number of retakes.

The passing standard is a scaled score of 70 on a 0-to-100 scale. The Property and Casualty exams are separate two-part tests, each with 55 scoreable questions plus 5 pretest questions and 1 hour and 15 minutes of testing time, and the general and state-specific parts are scored together. Failing candidates see how close they came to passing and can schedule a retake after 24 hours, paying the $45 exam fee again.

You need a 70% score to pass, and first-time candidates fail with some regularity, so expect a demanding test. The combined Property & Casualty exam (Series 11-36) has 150 questions in 2.5 hours, while the single-line Property and Casualty exams each have 100 questions in 2 hours. There is no limit on retakes, and you can retest as soon as the next day, though each sitting costs $49.00.

The Oklahoma Property and Casualty combined exam requires a 70% score to pass, with 150 scored questions plus a small number of unscored items and 150 minutes allowed. Industry pass-rate data suggest roughly half of first-time takers pass the combined property and casualty exam, so preparation is worthwhile. The state's study manuals, its primary source of exam material, cost $20 to $35 depending on format.

You must answer 70% of the questions correctly to pass the Oregon Property and Casualty exam, so the difficulty depends on how well you know the material after your 20 hours of prelicense training per line. If you fail, you can retest as soon as the second day after the attempt, with unlimited retakes within the one-year eligibility period of your prelicense certificate. That gives you room to retake the exam, though you pay the exam fee again each time.

You must score at least 70% to pass, and the exam is multiple choice with 2 to 3 hours of testing time depending on the license type. First-time pass rates for property and casualty exams vary widely across the country, and many candidates do not pass on their first attempt. Pennsylvania allows unlimited retakes, but you must wait at least 24 hours before scheduling the next attempt and pay the full $55 combination exam fee each time.

Rhode Island scores the property and casualty exams on a 0-100 scale, and the passing score is 70. First-time property and casualty candidates must pass two separate exams: Property, with 76 scoreable questions, and Casualty, with 82 scoreable questions, each split into a general and a state section. Nationally, 54.9% of candidates pass the combined P&C exam on the first attempt, so study time is expected. Each exam costs $80, and back-to-back sessions in one day are buy-one-get-one-free.

Roughly half of first-time takers pass: the combined Property, Casualty, Surety and Marine exam had a 49.95% first-time pass rate in South Carolina in calendar year 2020. Passing requires a score of 70 on a 0-100 scaled score range, which the exam vendor states should not be interpreted as a percentage of correct answers. You can retake the exam 24 hours after a failed attempt, up to six attempts in a one-year period.

You need a 70% score to pass, and a separate exam is required for the Property and Casualty lines. If you fail, a waiting period applies before you can retake the exam, and you must pass within 6 months of your first attempt or repeat the pre-licensing education. Most candidates who complete the required 20 hours of education per line and a preparation course pass on the first attempt.

The combined property and casualty exam (code 17-04) consists of 150 four-option multiple-choice questions, including 5 unscored experimental questions, in 2.5 hours, and results appear on screen immediately. Difficulty depends on your background, since Utah requires no pre-licensing course. Prometric offers free practice exams for the property and casualty producer tests so you can gauge readiness beforehand.

The Vermont Series 14-31 Property and Casualty exam has 150 scored questions plus 5 unscored items, with a 2.5-hour time limit. Auto insurance is the heaviest section at 21% of the exam. National pass-rate data for property and casualty exams show just over half of candidates pass, so preparation matters.

The Virginia Property and Casualty exam (Series 11-03) has 135 scored questions plus 10 unscored pretest questions in a 2.5-hour sitting, and it requires a 70% score to pass. Auto Insurance carries the most weight at 16% of the exam, followed by Insurance Regulation at 15%. The exam also tests Virginia-specific law, including the Motor Vehicle Financial Responsibility Law and the FAIR plan.

You must answer at least 70% of the questions correctly to pass. The combined Property and Casualty exam has 150 questions in 195 minutes, while the separate Property and Casualty exams each have 100 questions in 150 minutes. The exam tests insurance concepts, Washington insurance law, and producer duties. There is no limit on retakes, and you can retest as soon as the second day after a failed attempt, but the exam fee is charged each time.

Nationally, a little more than half of first-time candidates pass the combined property and casualty exam, according to NAIC-derived pass-rate data. In West Virginia the combined exam has 150 questions over 210 minutes, and the passing score is a scaled 70. You must bring a paper pre-licensing course completion certificate to the test center, and the certificate is valid for 6 months.

Wisconsin requires a passing score of 70% on each licensing exam, and property and casualty are separate lines with separate exams. Many candidates nationwide do not pass on the first attempt. Wisconsin places no limit on exam retakes: you cannot rebook on the day you test, but you can call PSI the next day and retest as soon as the following day, depending on seat availability.

Most people find the property and casualty exam demanding: National Association of Insurance Commissioners data show about 55% of first-time candidates pass the combined exam, with Property at 53.6% and Casualty at 62%. Wyoming requires no prelicensing coursework, so preparation is self-directed, and candidates who fail must pay the exam fee again to retake it.