Exam factPassing score
As ofOctober 8, 2026
What score do you need to pass the P&C exam?
Eight of the twelve states we checked set the pass mark at 70, and that 70 comes in two kinds: a scaled score in Texas, Illinois and North Carolina, and 70% of scored questions right in Georgia, Florida, New York, Ohio and New Jersey. California passes candidates at 60% and Michigan at 74% (each state's bulletin, checked October 8, 2026).
Texas reports a scaled 70 (Pearson VUE Texas handbook); Florida requires 70% correct (Pearson VUE Florida handbook). California sets 60% and Michigan 74% on their combined exams. No passing score applies nationally, because no national exam exists.
Source: Pearson VUE Texas insurance candidate handbook · checked October 8, 2026
Scaled score and percent correct
- Scaled 70
- Your raw result converted onto a reporting scale, so different versions of the exam are held to one standard. The number of right answers behind a 70 is not a fixed share of the items. Texas, Illinois and North Carolina report this way.
- 70% correct
- A straight share of the scored items. Georgia, Florida, New York, Ohio and New Jersey use it; the arithmetic is worked below.
- Pretest items
- Unscored questions mixed into the exam. They don't move your result, so answer each item as if it counts.
Pass marks by state
| State | Pass mark | Reported as | Source |
|---|---|---|---|
| Texas | 70 | Scaled score | Pearson VUE Texas insurance candidate handbook checked October 8, 2026 |
| Georgia | 70% | Percent correct | Pearson VUE Georgia insurance candidate handbook checked October 8, 2026 |
| Florida | 70% | Percent correct | Pearson VUE Florida insurance candidate handbook checked October 8, 2026 |
| Illinois | 70 | Scaled score | Pearson VUE Illinois insurance candidate handbook checked October 8, 2026 |
| North Carolina | 70 | Scaled score | Pearson VUE North Carolina insurance candidate handbook checked October 8, 2026 |
| Pennsylvania | — | — | PSI Pennsylvania insurance candidate information booklet checked October 8, 2026 |
| New York | 70% | Percent correct (2023 bulletin) | PSI New York insurance candidate bulletin (updated April 28, 2023) checked October 8, 2026 |
| California | 60% | Percent | California Department of Insurance, exam time limits and questions checked October 8, 2026 |
| Ohio | 70% | Percent correct | PSI Ohio insurance candidate information bulletin checked October 8, 2026 |
| New Jersey | 70% | Percent correct | PSI New Jersey insurance producer bulletin checked October 8, 2026 |
| Michigan | 74% | Combined exam; 75% Property, 74% Casualty if taken separately | PSI Michigan insurance candidate information bulletin checked October 8, 2026 |
| Virginia | — | — | Prometric Virginia P&C content outline (series 11-03) checked October 8, 2026 |
A percent cut, in right answers
WorksheetWorked example
Right answers needed on three percent-scored combined exams
- Florida 2-20
- 160 scored, 70%
- California
- 150 scored, 60%
- Michigan 16-81
- 150 scored, 74%
- Pretest items
- Not scored
- Florida160 × 0.70112 right
- California150 × 0.6090 right
- Michigan150 × 0.74111 right
Misses you can absorbFL 48 · CA 60 · MI 39
Pretest items carry no score, so they stay out of the math. Texas, Illinois and North Carolina report a scaled score, which this arithmetic can't convert. Figures from each state's bulletin, checked October 8, 2026.
Pass marks in practice
Is there a separate pass mark for the state-law part?
The pass marks above are what each bulletin lists for the exam. Illinois works differently: each line has a General and a State exam, and both for a line must be passed within 90 days (Pearson VUE Illinois handbook, checked October 8, 2026).
Does Michigan use one cut for both lines?
Not when you take them apart. The combined 16-81 exam passes at 74%; taken separately, Property needs 75% and Casualty 74% (PSI Michigan bulletin, checked October 8, 2026).
Does California really pass the P&C exam at 60%?
Yes. The California Department of Insurance lists a 150-item exam, 3 hours and 60% to pass for the combined exam (checked October 8, 2026). The California P&C license page covers the rest of the route.
How should I read my practice scores?
By the misses more than the total. If they cluster in one coverage part, or in EXCEPT items, that is where the next session goes. The question counts by state give you the denominator for your exam.
Sources
- Pearson VUE Texas insurance candidate handbook · checked October 8, 2026
- Pearson VUE Georgia insurance candidate handbook · checked October 8, 2026
- Pearson VUE Florida insurance candidate handbook · checked October 8, 2026
- Pearson VUE Illinois insurance candidate handbook · checked October 8, 2026
- Pearson VUE North Carolina insurance candidate handbook · checked October 8, 2026
- PSI Pennsylvania insurance candidate information booklet · checked October 8, 2026
- PSI New York insurance candidate bulletin (updated April 28, 2023) · checked October 8, 2026
- California Department of Insurance, exam time limits and questions · checked October 8, 2026
- PSI Ohio insurance candidate information bulletin · checked October 8, 2026
- PSI New Jersey insurance producer bulletin · checked October 8, 2026
- PSI Michigan insurance candidate information bulletin · checked October 8, 2026
- Prometric Virginia P&C content outline (series 11-03) · checked October 8, 2026