Texas Property and Casualty Insurance Practice Test
Practice for the Texas General Lines Property and Casualty exam with questions on Texas law and the general-knowledge outline, then take a full mock in the Pearson VUE format: 145 questions in 150 minutes, scored on the 130 that count.
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drill- 90 original Texas-law questions, each checked against the statute or rule
- 7 outline sections, each scored separately in the mock
- 145 questions in the full mock, 2 hours 30 minutes, as on exam day
A driver with a poor record applies for auto liability coverage through the Texas Automobile Insurance Plan Association. What must the applicant and the servicing agent certify on the application?
Texas General Lines Property and Casualty exam format
- Exam
- General Lines – Property and Casualty (InsTX-PC06; Spanish InsTX-PC26), delivered by Pearson VUE for the Texas Department of Insurance
- Questions
- 145 multiple-choice questions: 100 scored general-knowledge questions plus 10 pretest, and 30 scored Texas-law questions plus 5 pretest
- Time limit
- 150 minutes
- Passing score
- A scaled score of 70 on a 0–100 scale, for the exam as a whole (not each part). The scaled score is not a percentage; our mock reports a pass at 70% of the scored questions
- Fee
- $49 per attempt, paid to Pearson VUE when you book
- Retakes
- If you fail, you can schedule a new attempt from the next day. There is no limit on attempts; each one costs the exam fee again
- After you pass
- Apply to TDI through Sircon or NIPR within 12 months of passing, with fingerprints through IdentoGO. The application fee is $50 per license type
- 2025 pass rate
- 59% of 11,246 first-time candidates (English exam), from the TDI pass-rate report
What’s on the Texas Property and Casualty exam
The Pearson VUE content outline, effective September 1, 2026. Our full mock draws its 130 scored questions at these counts and mixes in 15 unscored pretest questions, as on the real exam. Every section has a study guide and a free ten-question drill with a worked answer after every question.
| Section | What it covers | Questions | Drill |
|---|---|---|---|
| Property and casualty general knowledge | 100 + 10 pretest | ||
| I. Property policies | Homeowners and dwelling forms, commercial property, business income, the BOP, builders risk, inland marine, flood, earthquake and other property coverages | 22 | 10-question drill |
| IV. Casualty policies, bonds and liability coverages | Commercial general liability, personal and business auto, workers compensation and employers liability, crime, bonds, professional liability and umbrella | 23 | 10-question drill |
| II, V. Insurance terms and related concepts | Risk, hazards, perils, loss valuation, coinsurance, indemnity, negligence and liability, damages, binders, warranties, representations and concealment | 30 | 10-question drill |
| III, VI. Policy provisions and contract law | Declarations, insuring agreement, conditions and exclusions, who is insured, duties after loss, mortgagee rights, appraisal, other insurance, subrogation, cancellation and contract law | 25 | 10-question drill |
| Texas statutes and rules | 30 + 5 pretest | ||
| I. Texas law common to property and casualty insurance | The Commissioner and TDI, insurer types including Texas Lloyds, agent and other licenses, continuing education, unfair practices, rating and underwriting, and commission sharing | 18 | 10-question drill |
| II.A–D, G–H. Texas property rules, residual markets and guaranty funds | Surplus lines, rates and forms, homeowners cancellation and nonrenewal, the Texas FAIR Plan, TWIA, prompt claim payment and the guaranty association | 6 | 10-question drill |
| II.E–F. Texas auto and workers’ compensation law | Financial responsibility limits, UM/UIM and PIP and their rejection, auto cancellation and nonrenewal, the auto insurance plan, rideshare coverage and workers’ compensation | 6 | 10-question drill |
What the Texas property and casualty exam tests
- The general part is 100 scored questions: property policies (22), casualty policies and bonds (23), insurance terms (30) and policy provisions (25).
- The Texas part is 30 scored questions: Texas law common to property and casualty insurance (18) and Texas property, auto and workers’ compensation rules (12).
- Texas questions test numbers you must know cold: 30/60/25 auto limits, $2,500 PIP, written rejection of PIP and UM, the 60-day nonrenewal notice, and the license and continuing education rules.
Take a full Texas Property and Casualty mock under the real clock
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillHow to get your Texas license
- Book the General Lines – Property and Casualty exam with Pearson VUE and pay the $49 fee.
- Sit the 145-question exam in 150 minutes at a Pearson VUE test center.
- Start the license application in TDI’s fingerprint portal, get fingerprinted at IdentoGO, and apply through Sircon or NIPR. The application fee is $50.
- Apply within 12 months of passing, or you will have to take the exam again.
Common questions
How many questions are on the Texas property and casualty exam?
145: 100 scored general-knowledge questions plus 10 pretest questions, and 30 scored Texas-law questions plus 5 pretest questions. You have 150 minutes.
What score do you need to pass the Texas P&C exam?
A scaled score of 70 for the whole exam, set by the Texas Department of Insurance. Our mock reports a pass at 70% of the 130 scored questions (91).
What is the pass rate for the Texas P&C exam?
In 2025, 59% of 11,246 first-time candidates passed the English General Lines Property and Casualty exam, according to the TDI pass-rate report.
How much does the Texas P&C exam cost?
$49 per attempt, paid to Pearson VUE. The TDI license application fee is another $50.
What is the difference between General Lines and Personal Lines P&C in Texas?
The General Lines Property and Casualty license covers personal and commercial lines. The Personal Lines license covers personal auto, homeowners and related lines only, with a 110-question, 120-minute exam.
Are these real Texas exam questions?
No. Pearson VUE does not release exam questions. These are original practice questions written to the Texas content outline effective September 1, 2026, with each Texas answer checked against the Insurance Code, the Transportation Code, the Labor Code or the Texas Administrative Code.
Ready for exam day?
145 questions in 2 hours 30 minutes, scored on the 130 that count, with a score for every outline section and a worked answer for every question.
Or start with a free 10-question drillInsurance license practice exams
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Exam format, fees, passing scores and pass rates checked November 2026: Pearson VUE: Texas insurance exams · Texas Insurance Licensing Candidate Handbook · Texas Insurance Content Outlines (effective September 1, 2026) · TDI exam pass rates, 2025 · Texas Insurance Code.
Original independent practice questions written to the published Pearson VUE content outline. Not affiliated with or endorsed by Pearson VUE, the Texas Department of Insurance or any state insurance department.