IN-PC Pass Rate 2026: What the Data Shows

The 2026 IN-PC Pass Rate: What the Official Data Shows

If you're preparing for the Indiana Property & Casualty Insurance Producer Exam, the single most useful data point circulating in 2026 is the year-to-date first-time pass rate reported through June: 71%, based on 457 passes out of 645 first-time attempts. That's a real, current snapshot of how candidates testing under the current outline are actually performing - not a rounded estimate from an old cycle.

A 71% first-time pass rate means roughly seven out of ten candidates clear the bar on their first sitting. That's a workable number, but it also means nearly three in ten first-time candidates don't pass - and Pearson VUE testing fees, retake scheduling, and lost study time all add friction for anyone who has to sit again. Understanding where that other 29% typically loses points is more useful than just knowing the headline number.

How the Pass Rate Is Actually Calculated

The IN-PC combined Property and Casualty exam is 150 multiple-choice questions delivered in 180 minutes, but not every question counts toward your score. Of those 150, 135 are scored and 15 are unscored pretest items used to evaluate future exam questions. You won't know which 15 are pretest, so every question deserves full attention regardless of how it "feels."

Your result is based on a scaled score, and you need to reach 70 to pass. Because the pretest items don't count, the practical math is that you're really being measured on your performance across 135 questions - which raises the value of every scored point and explains why candidates who guess carelessly on a handful of "weird" questions can tip themselves under the line even with solid overall knowledge.

For a full breakdown of exactly what that 70 represents in scaled-score terms and how it differs from a raw percentage, see IN-PC Passing Score 2026: Exactly What You Need to Pass.

The Domains That Decide Whether You Pass

Pass rates aren't evenly distributed across content - they're driven by how well candidates handle the heaviest-weighted domains. The current IN-PC outline splits content across ten domains, and two of them are tied as the largest sections on the entire exam at 17.0% each:

Beyond those two anchor domains, the outline includes Domain 1 (Types of Policies, 16.3%) and Domain 2 and Domain 5 (Insurance Terms and Related Concepts, 11.1% each), which together make definitional precision a recurring theme across the whole exam. Domain 3 and Domain 6 cover Policy Provisions and Contract Law (9.6%) and Policy Provisions (8.9%) respectively, while the smaller domains - Domain 9 Personal Lines Regulations (3.7%), Domain 10 Commercial Lines Regulations (3.7%), and Domain 8 Surplus Lines Common to Personal and Commercial (1.5%) - are easy to underweight in study time but still appear on every exam form.

For the complete list of subtopics inside each of the ten domains, along with sample question phrasing, see IN-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.

Exam Format and Registration Mechanics

Pass-rate performance is also shaped by logistics that have nothing to do with content knowledge - timing, testing conditions, and eligibility deadlines all factor in.

• Cost: The combined Property and Casualty exam costs $69, administered by Pearson VUE for the Indiana Department of Insurance.
• Length and format: 150 multiple-choice questions (135 scored, 15 pretest) in 180 minutes.
• Testing conditions: The exam is closed book, and personal calculators are not permitted - anything you need for calculations must be provided at the testing station.
• Testing locations: You can sit for the exam at Pearson VUE test centers or Ivy Tech test centers.
• Outline effective date: The current content outline took effect November 26, 2025 - if you're studying from older material, verify it matches this version.

Eligibility requirements also play into first-attempt readiness. Resident applicants must be at least 18 years old and complete 40 hours of approved Property and Casualty prelicensing education. That completion certificate is only valid for six months, so candidates who delay scheduling risk having to retake the coursework before they ever sit for the exam. Some qualifying insurance designations or an insurance degree may support a waiver of the prelicensing hours - worth checking before you assume you need the full 40 hours. A complete walkthrough of these rules is available at IN-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify, and current fee and cost details are broken down in IN-PC Certification Cost 2026: Complete Pricing Breakdown.

Who Is Sitting for the IN-PC Right Now

The 645 first-time attempts behind the 2026 year-to-date pass rate represent a mix of candidates entering the insurance industry for the first time, career-changers moving into agency or brokerage roles, and existing staff pursuing a producer license to expand what they're authorized to sell. Because the exam is required before an individual can be licensed as a resident producer in Indiana, it functions as a hard gate for agencies, carriers, and brokerages hiring for producer-track roles.

Agencies hiring newly licensed producers generally expect candidates to already understand the terminology tested in Domains 2 and 5 (Insurance Terms and Related Concepts) and the state-specific compliance material in Domain 7 - those are the areas that come up immediately on the job, not just on the test. If you're weighing whether pursuing this license fits your career goals, IN-PC Salary Guide 2026: Complete Earnings Analysis and IN-PC Jobs both look at where licensed producers typically land after passing.

Building a Study Timeline Around the Domain Weights

Given that Domains 4 and 7 each represent 17.0% of the exam, and Domain 1 adds another 16.3%, a sensible study plan allocates the most calendar time to those three areas first, then works down through the mid-weight domains before finishing with the smaller regulatory sections.

Generic study techniques like spaced repetition or interval review work well here specifically because the outline is heavily front-loaded: reviewing Domains 4 and 7 material again in week 3 and week 4, even briefly, reinforces the 34% of the exam that matters most. For a more detailed week-by-week study framework built specifically around this outline, see IN-PC Study Guide 2026: How to Pass on Your First Attempt, and for an honest assessment of how challenging the material actually is relative to other licensing exams, read How Hard Is the IN-PC Exam? Complete Difficulty Guide 2026.

What the Pass Rate Doesn't Tell You: Life After the Exam

A 71% first-time pass rate tells you about the moment you sit for the test - it doesn't tell you what happens afterward. Once licensed, Indiana producers must renew every two years by the last day of their birth month, completing 24 hours of continuing education in that cycle. That renewal cadence means the knowledge tested on exam day isn't a one-time hurdle; it's the baseline for a license you'll maintain going forward.

If you're still deciding whether to pursue the license at all, or comparing the investment against the return, Is the IN-PC Certification Worth It? Complete ROI Analysis 2026 lays out the cost-and-outcome tradeoffs in more detail. And if terminology itself is still unclear - what the credential covers, who administers it, or how it differs from similarly-named credentials elsewhere - start with What Is IN-PC? or IN-PC Meaning before diving into domain-level study.

Whatever stage you're at, the most reliable way to move your own odds above the 71% baseline is deliberate practice under exam-like conditions. Running full-length timed sets on our IN-PC practice test platform before your scheduled date is the closest simulation you'll get to the real 180-minute, 150-question format.

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