- What the 2024 Data Actually Shows
- Reading the Numbers Correctly
- Where the Questions - and the Trouble - Concentrate
- The Retake Rules That Shape the Statistics
- Registration, Fees, and Why Attempt Counts Matter
- Building a Study Plan Around the Data
- First Attempt vs. All Attempts: Side by Side
- Frequently Asked Questions
- Alabama's 2024 Annual Report lists a 60% first-attempt pass rate and a 56% all-attempts pass rate for the combined P&C producer exam.
- The exam requires 105 correct answers out of 150 questions (70%) within a three-hour, closed-book session.
- Commercial Lines carries 66 of 150 questions - the largest section - including 17 on Other Commercial Policies and 15 on Commercial General Liability.
- After a first failure, you can retake immediately; a second failure triggers a 90-day wait, and a fourth triggers 180 days.
What the 2024 Data Actually Shows
The Alabama Department of Insurance's 2024 Annual Report is the only official source of pass-rate data for the Alabama Property and Casualty Insurance Producer Exam. It reports that, across all attempts made in 2024, 956 of 1,722 P&C producer examinations resulted in a pass - a rounded rate of 56%. When the same data is filtered to first-time candidates only, 729 of 1,220 examinations passed, a rounded rate of 60%.
These figures describe historical 2024 outcomes for the combined property and casualty producer exam administered through the University of Alabama's testing program. They are not a passing score, and they are not a forward-looking prediction for 2026 - the Department has not published a separate 2026 pass rate, and no future percentage should be assumed from these numbers.
Reading the Numbers Correctly
It's tempting to round the 2024 figures up or down into a simple "about half pass" narrative, but the actual mechanics of the exam make the numbers more specific than that. The passing threshold is fixed: 105 correct answers out of 150 questions, or 70%, computer-based, closed-book, four answer choices per question, no calculators, books, or scratch paper permitted. Every candidate is measured against that same bar - the pass rate reflects how many people cross it, not a curve or a quota.
For a fuller breakdown of exactly what 70% requires and how it's calculated, see AL-PC Passing Score 2026: Exactly What You Need to Pass. Understanding the scoring mechanics is the first step in interpreting why the pass rate sits where it does.
Key Takeaway
Treat the 56%/60% figures as a signal that content mastery - not luck or exam-day tricks - separates passers from repeat test-takers. Preparation quality is the variable you control.
Where the Questions - and the Trouble - Concentrate
The official PCOutline.pdf, reviewed by the Industry Advisory Committee on August 8, 2023, splits the 150-question exam into four sections. Understanding how the questions are distributed helps explain why certain candidates struggle more than others - and it maps directly onto the four domains covered on this site.
Domain 1: Property & Casualty Fundamentals (30 questions)
Covers the core insurance concepts that apply across both property and casualty products - risk, policy structure, and basic contract principles.
- Foundational vocabulary and concepts that recur throughout the other three sections
- A smaller section, but one that underpins comprehension of Commercial and Personal Lines questions
Domain 2: Personal Lines (34 questions)
Focuses on the products individual Alabama consumers buy directly - homeowners, auto, and related personal coverage forms.
- Policy provisions candidates will apply daily once licensed
- Coverage triggers and exclusions commonly tested in scenario-based questions
Domain 3: Commercial Lines (66 questions)
The single largest section on the exam - nearly 44% of all questions - covering business-facing property and liability products.
- 17 questions on Other Commercial Policies
- 15 questions on Commercial General Liability
- Remaining questions spread across additional commercial coverage topics
Domain 4: Alabama Law (20 questions)
State-specific regulatory content unique to Alabama, distinct from anything a national-only study resource would cover.
- Producer licensing, appointments, and prohibited practices
- Guaranty associations and auto-insurance requirements
- The Strengthen Alabama Homes program
Because Commercial Lines alone represents 66 of 150 questions, a candidate who under-prepares that single section is mathematically at greater risk of falling short of the 105-correct threshold than one who is weak on a smaller section. A deeper walkthrough of each domain's subtopics is available in AL-PC Exam Domains 2026: Complete Guide to All 4 Content Areas.
The Retake Rules That Shape the Statistics
Alabama's retake structure directly affects how the all-attempts pass rate is built. There is no mandatory waiting period after a first failure - a candidate can schedule again right away. A second failure triggers a 90-day wait. A fourth failure triggers 180 days, and every subsequent pair of failures after that adds another 180-day wait. These waiting periods also apply to the corresponding standalone property, casualty, and personal-lines examinations, since they are linked to the combined exam.
If you're unsure whether you're ready to test the first time or need to plan around a possible retake, AL-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers scheduling logistics for both in-person and online-proctored sittings.
Registration, Fees, and Why Attempt Counts Matter
Each exam attempt costs $75, administered by the University of Alabama, with remote testing available through ProctorU. In-person registration must be completed at least seven days before the test date. Given that fee, the difference between the 60% first-attempt rate and the 56% all-attempts rate isn't just a statistic - it's a real cost consideration. A candidate who fails once and retakes without adjusting their study plan is paying another $75 against roughly the same odds.
The exam covers 150 questions across the four sections above in a three-hour window - enough time to move deliberately through the material, but not enough to leave large sections unreviewed and hope to recover elsewhere. A full accounting of registration costs, fees, and related expenses is broken down in AL-PC Certification Cost 2026: Complete Pricing Breakdown.
Key Takeaway
Budget for one well-prepared attempt rather than planning to "learn the format" on a first pass and pass on a second - the fee and the waiting-period rules both discourage that approach.
Building a Study Plan Around the Data
Since Commercial Lines carries the most weight (66 questions) and Alabama Law is entirely state-specific content unavailable from generic national study materials, an effective plan allocates time proportionally rather than evenly across all four domains.
Property & Casualty Fundamentals + Personal Lines
- Build foundational vocabulary before moving into denser content
- Work through Personal Lines coverage forms with practice scenarios
Commercial Lines (the 66-question section)
- Prioritize Other Commercial Policies (17 questions) and Commercial General Liability (15 questions) first
- Use spaced repetition on policy forms and endorsements rather than single-pass reading
Alabama Law
- Study licensing, appointments, and prohibited practices from the PCOutline.pdf
- Review guaranty associations, auto-insurance requirements, and Strengthen Alabama Homes
Full-Length Review
- Run timed 150-question practice sessions to simulate the three-hour limit
- Re-test weak domains identified in earlier practice rounds
For a day-by-day version of this plan with more granular tasks, see AL-PC Study Guide 2026: How to Pass on Your First Attempt. If you want to gauge how challenging the material feels relative to other licensing exams before committing to a timeline, How Hard Is the AL-PC Exam? Complete Difficulty Guide 2026 walks through the difficulty factors in more detail.
First Attempt vs. All Attempts: Side by Side
| Metric | First Attempt (2024) | All Attempts (2024) |
|---|---|---|
| Total Examinations | 1,220 | 1,722 |
| Total Passes | 729 | 956 |
| Rounded Pass Rate | 60% | 56% |
| Source | 2024 ALDOI Annual Report | 2024 ALDOI Annual Report |
Practicing full-length questions under timed conditions before test day - through resources like the practice test platform - gives candidates a realistic read on where they stand relative to the 105-correct threshold before they've spent $75 on an actual attempt.
Frequently Asked Questions
Per the Alabama Department of Insurance's 2024 Annual Report, the all-attempts pass rate was a rounded 56% (956 of 1,722 examinations), and the first-attempt pass rate was a rounded 60% (729 of 1,220 examinations).
No. The Department's most recent published figures are from the 2024 Annual Report. No 2026-specific pass rate has been released, and the 2024 numbers should be treated as historical context, not a prediction.
You need 105 correct answers out of 150 total questions, which is 70%, within the three-hour time limit. For more detail, see AL-PC Passing Score 2026: Exactly What You Need to Pass.
There's no waiting period after a first failure, so you can retest immediately. A second failure triggers a 90-day wait, a fourth triggers 180 days, and each subsequent pair of failures adds another 180-day wait.
Commercial Lines, since it accounts for 66 of the 150 questions - more than any other section, including 17 on Other Commercial Policies and 15 on Commercial General Liability. Underestimating it has an outsized effect on your score. See the full breakdown in AL-PC Exam Domains 2026: Complete Guide to All 4 Content Areas.