How to Get a Property and Casualty License in Texas

Written by: Mary Gerardine

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How to Get a Property and Casualty License in Texas

Getting your Texas property and casualty license is the first step toward becoming a P&C insurance agent in Texas.

The Texas Department of Insurance requires you to complete a five-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Texas Property and Casualty Insurance License

  1. Complete a Texas Pre-License Education Course (Kaplan – $139)
  2. Take the Texas Licensing Exam (Pearson VUE – $33)
  3. Get a Fingerprint-Based Background Check (IdentoGO – $39.70)
  4. Complete a Texas License Application (Sircon or the National Insurance Producer Registry (NIPR) – $50 application fee + $5.60 transaction fee)
  5. Watch for Your Application Results

Steps to Get a Texas Property and Casualty Insurance License

Obtaining your Texas P&C license is easy. Just follow these five simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Texas life insurance license as well.

Step 1: Complete a Texas Pre-License Education Course

Before you take the Texas P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Texas doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Pre-license education courses are self-paced and include study materials like practice exams and flashcards. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.

Recommended Course

Over 81% of our readers use Kaplan’s online courses — which come with a 93% pass rate — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 2: Take the Texas Licensing Exam

After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Texas P&C license exam.

Texas uses Pearson VUE as its official testing service for delivering licensure exams.

The Texas P&C insurance exam:

  • Includes a total of 130 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic property and casualty insurance product knowledge. The state-specific section covers P&C insurance concepts and terms, rules, regulations, and practices specific to Texas.
  • Gives you 120 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
  • Costs $33, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

Passing the Texas P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.

If you happen to fail the Texas P&C insurance exam, you can schedule a time to retake it as soon as 24 hours after your first attempt. There’s no limit to the number of attempts you can make on the same exam.


Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

Step 3: Get a Fingerprint-Based Background Check

After you take the Texas P&C license exam, you must get a fingerprint-based background check from IdentoGO. You’ll then need to send a copy of your IdentoGO receipt to the TDI to show that IdentoGO sent your fingerprints to the Texas Department of Public Safety (DPS) and the FBI. The fee for fingerprinting services is $39.70 to cover the cost of comparing your prints against criminal history records.

To set up a fingerprinting appointment, go to the IdentoGO website or call 888-467-2080. Use service code 11G6QF when making your appointment.

At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records and attach a copy to the license application you send to the TDI.

You must complete your fingerprint-based background check and then submit a license application within one year of passing the P&C licensing exam or you’ll need to retake the exam.

Step 4: Complete a Texas License Application

Once you pass the P&C insurance exam and complete a fingerprint-based background check, you can apply for your P&C insurance license.

In Texas, you must apply online via Sircon or the NIPRThe application fee is $50 and the transaction fee is $5.60 (both Sircon and NIPR).

The TDI will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a P&C insurance license in Texas, make sure you comply with the insurance licensing requirements as defined under the Texas Insurance Code.

If you have any questions or need to forward supporting documents related to your license application, send them to

Step 5: Watch for Your Application Results

After you complete the previous four steps, the TDI’s Agent & Adjuster Licensing Office will review your application and fingerprint-based background check. This process usually takes one to five business days from the date you mail your application.

Once it finishes reviewing your application, the TDI’s Agent & Adjuster Licensing Office will email you with its decision. If you need to provide more information, a specialist will contact you.

You can print your license from the Sircon or NIPR website. There’s no charge to create an account or print a license. If you don’t remember your license number, you can find it by using Sircon’s Customer Inquiry tool.


You’re now ready to get started as a P&C insurance agent in Texas.

Next Steps After Securing Your Texas Property and Casualty Insurance License

Once you complete the above steps and have your Texas P&C insurance license, here’s what you should pursue next.

Get a Job in the Insurance Field

Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

You can find P&C insurance job postings on our Insurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN). You can request a letter of certification, which proves you have a P&C license in Texas, by visiting the Sircon website. You’ll need to submit this letter along with your job applications. The cost is $11 plus any additional, applicable fees.

Complete Continuing Education and Renew Your License

In Texas, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. Texas CE requirements include two hours focused on ethics/consumer protection and at least 12 of the total 24 hours taken as “classroom” or “classroom-equivalent” courses.

If you have a non-resident license with good standing in your home state and have held a P&C license in Texas for at least 20 years, you don’t need to take CE courses in Texas.

To avoid delays in renewing your license, you must complete the required CE hours at least 30 days before your license expires. The renewal fee is $50 and the late fee is $25.

For every CE hour you fail to complete on time of the required 24 CE hours, you’ll pay a $50 fine up to a maximum of $500 per license. You can’t renew your license until you complete your CE hours and pay any outstanding fines.

For more detailed information, check out how to renew your license with our Texas insurance license renewal guide.

Texas Department of Insurance Contact Information

Mailing Address:
P.O. Box 12030
Austin, TX 78711-2030

Phone: (512) 676-6500



License Search: Texas Insurance License Search

Texas Property and Casualty License FAQ

How much does it cost to get a property and casualty insurance license in Texas?

The total cost of getting a property and casualty (P&C) insurance license in Texas is at least $317.30, but can reach nearly $500 based on the type of pre-license course you choose. The costs include:
Insurance Pre-license Education Course Fee: $139 via Kaplan
Exam Fee: $33 via Pearson VUE
Fingerprint-Based Background Check Fee: $39.70 via IdentoGO
Application Fee: $50 application fee + $5.60 transaction fee via Sircon or the National Insurance Producer Registry (NIPR)

How long does it take to process a property and casualty insurance license application in Texas?

It will take up to one to five business days for you to become an insurance agent. You’ll receive an email once the TDI’s Agent & Adjuster Licensing Office reviews your application.

Can I get a temporary property and casualty insurance agent license in Texas?

Yes. Texas provides a 90-day, temporary P&C license. You can apply via the Sircon website. You must attach a completed Appointment certification for a temporary license form (Form FIN700) to your online application on the Sircon website. The application fee is $50.

Can I get an emergency property and casualty insurance agent license in Texas?

Yes. Texas offers a 90-day, emergency P&C license. The application fee is $50. To apply, call TDI’s Agent & Adjuster Licensing Office at 512-676-6500. You don’t need to take and pass the P&C licensing exam before you can obtain an emergency license.

What can I sell with a property and casualty insurance license in Texas?

With a Texas P&C license, you can sell insurance products like homeowners insurance, renters insurance, auto insurance, general liability insurance, and workers’ compensation policies.

How much can you make with a property and casualty insurance license in Texas?

According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

What are the limitations of a Texas property and casualty insurance license?

Unless you have multiple licenses to sell various types of insurance products, having a Texas P&C license only gives you the authority to negotiate and sell P&C insurance policies. You’ll need additional licenses to sell other types of insurance.

Can I cancel my property and casualty license in Texas?

Yes. To cancel your license, email an attached letter with your name, license number, and signature to

How hard is it to get a property and casualty insurance license in Texas?

The process is quite simple! Follow the steps above and get started today!

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