Key Takeaways
- Texas does NOT require pre-license education for Property & Casualty insurance—candidates can go directly to the exam
- The Texas P&C exam has 150 questions with a 2.5-hour time limit and requires 70% to pass
- Pearson VUE administers Texas insurance exams at testing centers statewide and via remote proctoring
- All applicants must complete fingerprinting through IdentoGO for a background check
- Texas license application fee is $50; licenses are valid for 2 years
Last updated: January 2026
Texas P&C Producer Licensing Requirements
Texas has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
No Pre-License Education Required
Texas is unique among major states:
| Requirement | Texas | Most Other States |
|---|---|---|
| Pre-License Education | NOT REQUIRED | 20-40+ hours |
| Pre-License Course | Optional | Mandatory |
| Study Method | Self-study allowed | Course required |
Note: While no education is required, the exam is challenging. Self-study or voluntary courses are recommended.
Examination Requirements
The Texas General Lines Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Time Limit | 2 hours 30 minutes |
| Passing Score | 70% (105 correct) |
| Exam Fee | $62 |
| Testing Provider | Pearson VUE |
| Retake Policy | 24-hour wait, pay new fee |
License Types
| License Type | What You Can Sell |
|---|---|
| General Lines - P&C | All property and casualty products |
| Personal Lines | Auto and homeowners only |
| Limited Lines | Specific products (credit, travel, etc.) |
Exam Tip: Texas requires 70% to pass, higher than California's 60%. The exam has 150 questions in 2.5 hours.
Examination Process
- Study - No pre-license education required (self-study or optional course)
- Schedule exam with Pearson VUE online or call (800) 274-0377
- Exam options: Pearson VUE testing center OR OnVUE remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Texas requires fingerprinting for all insurance license applicants:
IdentoGO Process
- Vendor: IdentoGO by IDEMIA
- Timing: Must complete before license issued
- Cost: Approximately $38.25
- Results: Submitted electronically to TDI
- ORI Number: TX920770Z (for insurance licensing)
Disqualifying Factors
TDI considers criminal history when evaluating applications:
- Felony convictions
- Misdemeanors involving fraud, dishonesty, or breach of trust
- Administrative actions in other states
- Pattern of violations
License Application
After passing the exam:
| Item | Details |
|---|---|
| Application | Submit online through TDI SIRCON |
| License Fee | $50 |
| Processing Time | 2-4 weeks after fingerprints clear |
| License Term | 2 years |
Resident vs. Non-Resident
- Resident: Must live in Texas
- Non-Resident: Must hold active home state license
- Reciprocity: Texas has agreements with most states
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