How hard is the Texas P&C exam? The real pass rate data
Short version
Over August 2025 through July 2026, 59.2 percent of first-time candidates passed the Texas General Lines Property and Casualty exam. Repeat candidates passed at 37.4 percent. Counting everyone together, the rate was 49.8 percent. The number you have seen quoted elsewhere is probably one of these three without saying which.
The gap between those first two figures is the part worth paying attention to. Candidates sitting the exam again do measurably worse than candidates sitting it for the first time, by 21.8 percentage points, and that gap has held in every month we have checked.
Where these numbers come from
Pearson VUE administers the Texas insurance licensing exams and publishes pass rates as a monthly report, broken out by exam code and by language. The Texas General Lines Property and Casualty exam in English is exam code InsTX-PC06.
Every figure in this post comes from those reports. The window is August 2025 through July 2026, which is 12 consecutive monthly reports covering 20,190 graded attempts. Figures were last verified on 2026-08-25. The reports themselves are on Pearson VUE's Texas pass rate page, This article retains the historical window stated above; newer monthly reports may be available on that page.
Stating the window matters, because a pass rate with no window and no exam code attached is not really a statistic. Much of what circulates online is a national range across all insurance exams in all states, which blends life and health, adjuster, and personal lines results from fifty different exams into a single band. That number cannot tell you anything about the exam you are actually booking.
The three pass rates, and why the answer depends on which one
| Who is counted | Attempts graded | Passed | Pass rate |
|---|---|---|---|
| First-time candidates | 11,511 | 6,813 | 59.2% |
| Repeat candidates | 8,679 | 3,247 | 37.4% |
| Everyone combined | 20,190 | 10,060 | 49.8% |
The combined rate is the one usually quoted, and it is the least useful of the three. It is a blend of two populations that behave very differently, and its value depends heavily on how many retakers happen to be in the pool that month. It tells you what share of exam sittings ended in a pass. It does not tell you what your odds are.
If you have not sat this exam before, the first-time rate is your reference point: 59.2 percent. If you have failed once already, the repeat rate is: 37.4 percent.
What happens on a retake
Repeat attempts have a lower observed pass rate in this dataset. That does not show whether a particular person finds a second attempt easier or harder.
Across the 12 months in this window, the first-time rate moved between 56 and 62 percent month to month. The repeat rate moved between 35 and 40 percent. The two bands do not overlap in any month. The narrowest monthly gap was 18.3 points.
The pattern is not confined to the current window either. Counting the earlier months we spot-checked from the same report series, the gap appears in all 19 months observed, going back to December 2023, and never falls below 18.3 points in any of them.
The volume behind this is not small. Retakes make up 43 percent of all graded attempts in Texas. Over this window there were 8,679 repeat sittings, and 5,432 of them ended in another failure.
What the gap can and cannot tell you
The reports publish counts, not causes. Repeat candidates have previously failed, but the reports do not measure their study methods, preparation time, or reasons for retaking. They also do not isolate changes in one person's performance.
Neither group's rate predicts your personal odds. Failing once does not, by itself, demonstrate that your next attempt has become harder.
What this actually means before you book
Use the data as context for taking preparation seriously. Another attempt costs $49 and additional time, but these reports cannot quantify your individual expected cost or readiness.
The candidate handbook describes one scaled result for the exam as a whole. There is no separate passing requirement for each content section. Use the exam-format guide to distribute practice across the outline and pay attention to weak topics. Practice accuracy is useful feedback, not a guaranteed licensing score.
If you have already taken the exam, the retake guide can help you plan the next step.
Facts verified against primary sources on .