Texas Property & Casualty License Classes Near Me

If you're searching for property and casualty license classes near you in Texas, you're probably trying to figure out the fastest, most reliable path to passing the state exam and getting licensed. This guide breaks down what you actually need to know: whether pre-licensing education is required, what the exam covers, and how to choose the right prep course — whether that's in-person in Houston, Dallas, San Antonio, or online from your couch.

Does Texas Require Pre-Licensing Classes for Property & Casualty?

Here's the part that surprises a lot of people: Texas does not mandate a specific pre-licensing education course for general lines property and casualty agent applicants. Unlike some states that require 40 or more hours of classroom instruction before you can sit for the exam, Texas focuses on the exam itself as the gatekeeper.

Under Texas regulations, all license applicants must successfully complete the applicable license examination to be eligible for licensure, unless exempt by applicable statute or rule (28 TAC §19.805). The emphasis is on demonstrating competency through the test, not on logging seat time in a classroom.

That said, just because pre-licensing education isn't mandated doesn't mean you should skip preparation entirely. The exam is substantial, and most people who walk in cold don't walk out with a passing score.

What the Exam Actually Looks Like

The Texas Property and Casualty Insurance License exam is administered by Pearson VUE. Here are the key numbers:

• Scored questions: 130
• Time limit: 150 minutes
• Passing score: 70%
• Exam fee: $49

The content is divided into eight sections, and understanding the weight of each one is critical for allocating your study time:

The two heaviest sections — Types of Casualty Policies (~23 questions) and Types of Property Policies (~22 questions) — together account for roughly a third of the exam. Texas-specific statutes and rules make up another 30 questions combined, which is where many candidates stumble because generic national study materials don't cover them well.

In-Person Classes vs. Online Prep: What Makes Sense

Since Texas doesn't require pre-licensing coursework, you have complete flexibility in how you prepare. Here's an honest comparison:

In-person classes are offered by various insurance schools in major Texas metros — Dallas-Fort Worth, Houston, Austin, San Antonio, El Paso, and others. They typically run two to five days and cost anywhere from $200 to $500+. The advantage is structure: someone tells you where to be and what to study. The disadvantage is cost, commute time, and rigid scheduling.

Online self-study and practice exams let you study on your own schedule, focus on your weak areas, and often cost significantly less. For a content-heavy exam like this one, the ability to drill specific sections — say, those 18 questions on Texas statutes common to P&C — can be more efficient than sitting through a lecture that moves at someone else's pace.

The best approach for most people is a combination: use a structured study guide to learn the material, then hammer practice questions until you're consistently scoring above 70%.

Don't Forget: Continuing Education After You're Licensed

Once you pass the exam and receive your license, the learning doesn't stop. Texas requires most property and casualty licensees to complete 24 hours of continuing education during each reporting period (28 TAC §19.1003). Licensees holding only certain limited licenses — such as a limited property and casualty license issued under Insurance Code Chapter 4051, Subchapter C — have a reduced requirement of 10 hours (28 TAC §19.1003).

There are some exemptions. For example, agents who held a Texas resident license as a general lines property and casualty agent for 20 years or more as of December 31, 2002, may be exempt from the CE hour requirement (28 TAC §19.1004). But for most new licensees, plan on CE being a regular part of your professional life.

Other Licensing Requirements to Keep in Mind

Beyond passing the exam, you'll need to meet basic eligibility requirements. While the specific qualifications vary slightly by license type, Texas generally requires applicants to be at least 18 years of age and to not have committed acts for which a license may be denied under the Insurance Code (28 TAC §19.1903). You'll also need to submit your application through the Texas Department of Insurance and pay the applicable fees.

Continuing education providers in Texas must also follow specific advertising and certification rules. Any provider advertising a course as certified by TDI must have received written confirmation of that certification, or must note the course is "Pending certification by the Texas Department of Insurance" (28 TAC §19.1008). This is worth knowing so you can verify that any class you're considering is actually legitimate.

Frequently Asked Questions

Do I need to take a class before I can take the Texas P&C exam?

No. Texas does not require pre-licensing education for general lines property and casualty agent applicants. You must pass the licensing examination (28 TAC §19.805), but how you prepare is up to you.

How many questions are on the Texas property and casualty exam?

The exam has 130 scored questions. You get 150 minutes to complete it, and you need a score of 70% to pass. The exam fee is $49, paid to Pearson VUE.

What topics should I focus on most?

Prioritize the two largest sections: Types of Casualty Policies, Bonds, and Related Terms (~23 questions) and Types of Property Policies (~22 questions). Don't neglect Texas-specific statutes and rules, which together account for about 30 questions and tend to trip up candidates who rely solely on national study materials.

Start Preparing Now

You don't need to find a classroom to get ready for this exam — you need the right materials and enough practice reps. PassAnchor has both.

Take our free Texas Property & Casualty practice test to see where you stand right now. Then check out the full exam guide for a section-by-section breakdown of what to study and how to approach test day with confidence.