P&C Insurance Exam Pass Rates by State (2026): The Complete NAIC Table
First-time pass rates for the Property & Casualty producer exam in every jurisdiction that reported to the NAIC for calendar year 2024 — 93,641 candidates, 50 jurisdictions, from Michigan at 42.0% to Illinois at 82.1%.
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The National Number, and Why It Is Not the Number You Want
Across the 50 jurisdictions that reported Property & Casualty exam results to the NAIC for calendar year 2024, **59.6% of first-time candidates passed** — 55,856 passes from 93,641 first-time test takers. That is the most defensible national figure available, and we derived it by summing every P&C exam row in the NAIC's compiled file rather than averaging state percentages, which would let Wyoming's 187 candidates count as much as Texas's 10,333. But the national figure is close to useless for planning, because the spread is enormous. Michigan's Property and Casualty Producer exam passed **42.0%** of first-timers. Illinois' Casualty state portion passed **82.1%**. Those are the same credential in two states, forty points apart. Your state's number is the one that should shape your study plan, and it is in the table below. VoltExam's P&C practice bank holds 450 questions across the exam's content areas, which is the drilling side of closing whatever gap your state's number implies.
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Where This Data Comes From — and What It Is Not
Every figure below is from the NAIC's **2024 State Compiled Pass Rates** file, which each jurisdiction (or its exam vendor) reports directly. We downloaded the spreadsheet and computed the rates ourselves. Three things you should know before quoting any of it: **These are first-time takers only.** Repeat attempts are excluded, which is why these numbers run higher than the all-attempts rates some states publish separately. Florida's own annual report shows 48.10% for General Lines across all administrations in 2025; the NAIC first-time figure for Florida is 57.8%. Both are correct — they measure different things. **We combined in-centre and remote-proctored results.** The NAIC file splits them, and the gap is real (Illinois noted online candidates scoring 76–92% versus 59–89% at test centres, and discontinued online proctoring in January 2025). Where a state's remote sample was tiny, the combined figure is dominated by the in-centre number anyway. **We excluded any exam row with fewer than 100 first-time candidates.** New Hampshire reported one candidate for Property and one for Casualty; a 0% pass rate on n=1 is noise, not information. Excluding those rows is why some jurisdictions in the file do not appear in the table. **Kentucky did not report.** It is the one jurisdiction absent from the NAIC file entirely. We do not have a Kentucky number and will not estimate one.
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P&C First-Time Pass Rates by State, Calendar Year 2024
States that license Property and Casualty as one exam show one row. States that split them into separate exams show both — and note how often the two diverge inside the same state, which tells you something the single-line states hide. | Jurisdiction | Exam | First-time candidates | Pass rate | |---|---|---:|---:| | Alabama | Property and Casualty | 1,220 | 59.8% | | Alaska | Property | 140 | 60.7% | | Alaska | Casualty | 145 | 60.0% | | Arizona | Property and Casualty | 2,430 | 54.1% | | Arkansas | Property and Casualty Producer | 738 | 49.5% | | California | Property and Casualty Broker-Agent | 4,475 | 55.4% | | Colorado | Property | 1,880 | 72.2% | | Colorado | Casualty | 1,923 | 66.5% | | Connecticut | Property/Casualty | 519 | 68.6% | | Delaware | Property | 168 | 62.5% | | Delaware | Casualty | 169 | 59.8% | | Florida | Property/Casualty | 3,776 | 57.8% | | Georgia | Property/Casualty | 3,366 | 68.4% | | Hawaii | Property | 154 | 65.6% | | Hawaii | Casualty | 141 | 76.6% | | Idaho | Property — General | 3,234 | 65.2% | | Idaho | Casualty — General | 3,274 | 69.5% | | Illinois | Property — State | 3,194 | 60.6% | | Illinois | Casualty — State | 3,210 | 82.1% | | Indiana | Property/Casualty | 1,626 | 71.8% | | Iowa | Property | 912 | 62.1% | | Iowa | Casualty | 903 | 65.3% | | Kansas | Property/Casualty | 1,046 | 56.6% | | Louisiana | Property and Casualty Series 106 | 1,123 | 44.6% | | Maine | Property/Casualty | 199 | 59.3% | | Massachusetts | Property | 1,427 | 46.5% | | Massachusetts | Casualty | 1,266 | 52.8% | | Michigan | Property and Casualty Producer | 2,553 | **42.0%** | | Minnesota | Property and Casualty Producer | 1,341 | 59.4% | | Mississippi | Property/Casualty | 726 | 61.4% | | Missouri | Property/Casualty | 1,967 | 62.6% | | Montana | Property | 355 | 55.2% | | Montana | Casualty | 341 | 71.3% | | Nebraska | Property and Casualty | 629 | 47.9% | | Nevada | Property/Casualty | 689 | 60.8% | | New Jersey | Property Producer | 1,063 | 44.9% | | New Jersey | Casualty Producer | 1,036 | 59.6% | | New Mexico | Property and Casualty Producer | 160 | 25.6% | | New York | P&C Agent/Broker Series 17-56 | 2,427 | 62.1% | | North Carolina | Property | 2,153 | 48.9% | | North Carolina | Casualty | 2,108 | 54.1% | | North Dakota | Property | 205 | 58.5% | | North Dakota | Casualty | 193 | 42.5% | | Ohio | P&C Agent Series 11-36 | 1,950 | 63.2% | | Oklahoma | Property and Casualty | 1,434 | 52.7% | | Oregon | Property and Casualty Producer | 783 | 52.1% | | Pennsylvania | Property and Casualty | 2,248 | 54.0% | | Rhode Island | Property | 160 | 69.4% | | Rhode Island | Casualty | 162 | 72.8% | | South Carolina | Property/Casualty | 1,593 | 56.1% | | South Dakota | Property/Casualty | 286 | 71.7% | | Tennessee | Property | 1,778 | 68.6% | | Tennessee | Casualty | 1,742 | 75.8% | | Texas | Property/Casualty | 10,333 | 58.3% | | Utah | Property and Casualty | 1,756 | 54.0% | | Vermont | Property & Casualty | 139 | 46.0% | | Virginia | Property and Casualty | 2,406 | 59.0% | | Washington | P&C Producer Combo | 1,542 | 53.4% | | West Virginia | Property/Casualty | 330 | 40.6% | | Wisconsin | Property, General and State 22-05 | 996 | 58.9% | | Wisconsin | Casualty, General and State 22-07 | 980 | 59.5% | | Wyoming | Property/Casualty | 187 | 57.8% | Source: NAIC 2024 State Compiled Pass Rates, retrieved and computed 19 August 2026. In-centre and remote results combined; rows under 100 first-time candidates excluded.
The Hardest and Easiest States to Pass In
**Hardest, among jurisdictions with meaningful volume:** New Mexico at 25.6% (n=160), West Virginia at 40.6%, Michigan at 42.0% on 2,553 candidates, New Jersey's Property exam at 44.9%, Louisiana at 44.6%, Vermont at 46.0%, and Massachusetts' Property exam at 46.5%. Michigan is the one that should worry you most if you live there — it is a high-volume state where more than half of first-timers fail. **Easiest:** Illinois' Casualty state portion at 82.1%, Hawaii's Casualty at 76.6%, Tennessee's Casualty at 75.8%, Rhode Island's Casualty at 72.8%, Colorado's Property at 72.2%, Indiana at 71.8%, South Dakota at 71.7%, and Montana's Casualty at 71.3%. **A pattern worth noticing:** where a state splits Property and Casualty into separate exams, the casualty exam is usually the *easier* of the two — Hawaii, Tennessee, Rhode Island, Montana, Iowa, North Carolina and New Jersey all show casualty above property. The exceptions are Colorado and North Dakota, where property is easier. The common belief that casualty is the harder half does not survive contact with this data. **On Illinois specifically:** do not compare 82.1% against a single-sitting state. Illinois runs a two-part structure — a General portion and a State portion — and the state-portion rate only counts candidates who already cleared the general one. Illinois' own 2025 report puts Property Part 1 (General) at 57% and Casualty Part 1 at 63%, which is the number comparable to Texas or Florida.
Which States Publish Their Own Numbers
The NAIC compilation is annual and jurisdiction-reported. A handful of states publish their own figures more often, and if you live in one, that is the fresher source: - **Florida** — the Department of Financial Services publishes a monthly exam performance summary and an annual report, split first-time / repeater / total. June 2026: General Lines first-time 58%, repeaters 40%, total 50%. - **Texas** — Pearson VUE hosts monthly and annual summaries for TDI. Calendar 2025: General Lines P&C first-time 59%, repeaters 37%, total 50%. - **Georgia** — Pearson VUE publishes quarterly. Q1 2026: P&C Agent first-time 64%, total 55%. - **New York** — DFS publishes an annual Insurance Agent Licensing Demographic Report. Calendar 2025: Property/Casualty Agent/Broker 47.63% across all examinees. - **Washington** — the Office of the Insurance Commissioner publishes a portion pass report covering all attempts. Year to 30 June 2026: P&C Producer Combo 41.8%. - **Illinois** — the Department of Insurance publishes an annual candidate performance report prepared by Pearson. - **Virginia** — the State Corporation Commission publishes first-time rates from Prometric. June 2025 to May 2026: P&C 70.67%. - **Indiana** — the Department of Insurance posts first-pass-rate files. **California, Pennsylvania, Ohio, North Carolina and Colorado publish nothing.** For those five, the NAIC compilation is the only sourced number that exists — which is a striking gap given California is the largest producer market in the country. One caution: these state-published figures are **not comparable to each other**, because they measure different populations. Florida's 50% and Virginia's 70.67% differ partly because one is all attempts and the other is first-timers only. Always check which metric a number is before you repeat it.
What a Pass Rate Should and Should Not Change About Your Plan
A low state pass rate is information about the exam's difficulty and about the population sitting it — not a prediction about you. Two states can differ by twenty points because one has no prelicensing education requirement and therefore attracts underprepared walk-ins, while the other requires 200 hours of coursework before anyone can book. Florida requires 200 hours for the 2-20 General Lines licence; Texas requires none at all; California repealed its 20-hour requirement effective 1 January 2026 and kept only 12 hours of ethics. Those policy differences shape who sits the exam, and therefore what fraction passes. What the number should change is your **margin**. If your state runs in the 40s, plan on a longer runway and do not book until you are consistently clearing 85% on full-length timed practice sets across separate days — a single good session is not evidence. If your state runs in the 70s, the same standard still applies, you will just get there faster. What it should not change is your assumption about a second attempt. Most states let you retake within a day or two and set no cap, so a failure is a delay and a fee, not a wall — the mechanics are in [what happens if you fail the P&C exam](/blog/failed-p-and-c-insurance-exam-retake-rules).
Close the Gap
Find your state's number above, then go drill. The full 450-question P&C bank is free on the web at [the property and casualty practice test](/free-insurance-pc-practice-test), and the [state requirement lookup](/tools/insurance-pc-state-lookup) shows what your state demands before you can sit at all. If you are still choosing a line, [P&C or Life & Health first](/blog/p-and-c-vs-life-and-health-which-insurance-license-first) compares the two with the same NAIC dataset. And once you pass, [CE requirements by state](/blog/p-and-c-insurance-continuing-education-requirements-by-state) covers the part that never ends. Sources: NAIC 2024 State Compiled Pass Rates (retrieved and computed 19 August 2026); NAIC Model Law Chart PR-20, Producer Education and Examination Requirements (Spring 2024); California DOI notice on AB 943; Florida DFS exam performance summaries; Pearson VUE Texas and Georgia summaries; NY DFS Insurance Agent Licensing Demographic Report 2025; Washington OIC exam pass rate report; Illinois DOI 2025 Candidate Performance Report; Virginia SCC exam pass rates.
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