Texas · Property & Casualty (General Lines)

The TX P&C exam has 150 questions.
You only need to win the ones you'll actually face.

Texas makes you pass both the national and state sections at 70% — scores aren't averaged. Our 50-question diagnostic finds your weak topics before you study, then a ~8-hour core of 5–10-minute lessons aims straight at them. From $19.99 — full course $49.99, no access clock.

Try 5 TX-style questions Get the full diagnostic
The exam, by the numbers

What you're walking into.

Texas General Lines (P&C) basics — confirm the current details with the Texas Department of Insurance and your exam administrator before you schedule.

150
multiple-choice questions
2.5 hrs
time limit
70%
to pass — on BOTH sections, not averaged
40 hrs
pre-licensing education required in TX (separate from exam prep)

Exams are administered by PSI or Prometric at testing centers across Texas. Pre-licensing education must be completed through a TDI-approved provider — The Cram Lab is exam prep, not pre-licensing. Exam formats and fees change; verify with TDI before booking.

The topic map

Every exam has a shape. Study the shape.

The TX P&C exam splits roughly into national concepts and Texas law. The diagnostic weights your study time toward the columns where you're bleeding points.

Topic blockWhat it coversWhy it bites
General insurance conceptsRisk, hazard vs. peril, indemnity, insurable interest, subrogation, negligenceThe vocabulary the whole test speaks — shaky here, shaky everywhere
Property insuranceHO and DP forms, dwelling coverage, coinsurance math, ACV vs. replacement costCoinsurance penalties and HO-form differences are point factories
Casualty & liabilityCGL, business auto, workers' comp, bonds, negligence elements"EXCEPT" questions — four right-looking answers, one wrong word
Texas law & ethicsLicensing, unfair trade practices (rebating, twisting), fiduciary duties, TDI rulesThe section that fails people who only studied coverage — 70% here too
Taste the method

5 TX-style questions. Instant explanations.

The full diagnostic is 50 questions with a topic gap map. This is five.

Question 1 of 50 correct
Done

You answered 0 of 5 correctly

Get the full 50-question diagnostic

Sample questions are illustrative of exam style and topic — they are not actual exam questions.

Texas FAQ

Texas-specific answers.

The Texas Property & Casualty (General Lines) exam has 150 questions with a 2.5-hour limit. You must score at least 70% on both the national and state portions — the sections are not averaged. Always confirm current details with TDI and your exam administrator before scheduling.

No. Texas requires 40 hours of pre-licensing education through a TDI-approved provider before you're eligible to sit for the exam. The Cram Lab is exam prep — the course that gets you through the test itself after pre-licensing is done.

Yes — the TX state-law track covers licensing rules, unfair trade practices (rebating, twisting, defamation), producer duties, and TDI regulations. State-law content is reviewed and dated, because insurance law changes.

The core is about 8 hours of short lessons at your own pace — most people finish in a few weeks of steady sessions. Your live readiness score tells you when you're ready: when it clears 85% across all topics, book the test.

Get started

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