AL-PC Passing Score 2026: Exactly What You Need to Pass

The Passing Score, Exactly

There's no ambiguity here, and no reason to guess: the Alabama Department of Insurance requires a 70% score on the combined Property and Casualty producer examination. With 150 total questions on the test, that works out to 105 correct answers. Get 104 or fewer right, and the University of Alabama's testing system marks the attempt as a fail - regardless of which domains those missed points came from.

This is a fixed, published threshold, not a curve or a scaled score that shifts by test date. Every candidate sitting the AL-PC - whether in person at a University of Alabama testing site or remotely through ProctorU - is held to the same 105-out-of-150 bar. If you're still deciding how this exam differs from other producer paths, the What Is AL-PC? overview and the AL-PC Certification page cover the licensing context before you get into scoring mechanics.

How the 105-Question Threshold Actually Works

The AL-PC is a computer-based, multiple-choice exam with four answer options per question. It is closed-book: no reference materials, no personal calculator, and no scratch paper are permitted during the session. You have three hours to answer all 150 questions, which averages out to a little over a minute per question - generous by most licensing-exam standards, but not so generous that you can dwell indefinitely on any single item. Because scoring is a straight count of correct answers against the 150-question total, there is no partial credit for reasoning and no penalty structure for guessing. A blank answer and a wrong answer count the same. That single fact should change how you approach the final stretch of your three hours: if time is running short, guess on every remaining question rather than leaving anything unanswered.

Since the passing line is a raw count, not a percentile or scaled score, your target is simple to visualize: answer at least 105 questions correctly, distributed however they fall across the four official sections. For the full breakdown of what each section covers, see the AL-PC Exam Domains 2026: Complete Guide to All 4 Content Areas.

Passing Score by Domain: Where the 105 Points Come From

The official PCOutline.pdf, reviewed by the Industry Advisory Committee on August 8, 2023, splits the 150 questions across four sections. Understanding this breakdown matters for passing-score strategy because it tells you which domain has the most points available to protect - and which has the least room for error.

Commercial Lines is not close to a tie for the largest section - at 66 of 150 questions, it accounts for nearly half of every candidate's available points. Within Commercial Lines, Other Commercial Policies alone contributes 17 questions and Commercial General Liability contributes 15, meaning these two subtopics together represent almost as many points as the entire Property & Casualty Fundamentals domain. If your goal is to reliably clear 105 correct answers, Commercial Lines mastery is where the math points you first.

Personal Lines (34 questions) and Property & Casualty Fundamentals (30 questions) round out the exam. Neither is small enough to skip, but neither carries the point density of Commercial Lines. A deeper section-by-section walkthrough, including subtopic weighting, is available in the AL-PC Exam Domains 2026 guide.

Format, Fee, and Registration Mechanics That Affect Your Score

Passing score doesn't exist in a vacuum - the logistics around the exam shape how well-prepared you actually are on test day. A few mechanics worth knowing before you schedule:

• Exam fee: $75 per attempt, charged each time you sit for the test, whether it's your first try or a retake.
• Testing provider: The University of Alabama administers the exam; remote sittings run through ProctorU rather than an in-person testing center.
• Registration timing: In-person registration must be completed at least seven days before your testing date - plan around this if you're targeting a specific week.
• No prelicensing mandate: As of January 1, 2024, a course-completion certificate is no longer required to sit for the exam. Exam-prep courses remain optional, not mandatory.
• Certificate validity: A passing score is only good for one year, and your license application must be submitted within 30 days of completing fingerprinting.

For the full financial picture - including how the $75 fee fits alongside fingerprinting and application costs - see AL-PC Certification Cost 2026: Complete Pricing Breakdown. And if you're still confirming basic eligibility before worrying about scoring, the AL-PC Requirements 2026 page covers the age-18 minimum, fingerprinting, and NIPR application steps.

What Happens If You Miss 105 by a Few Points

Falling short of 105 correct answers isn't the end of the road, but the retake rules do get stricter the more times it happens. After a first failure, you can schedule another attempt with no mandatory waiting period - meaning a narrow miss (say, 95-104 correct) can often be corrected quickly with targeted review of your weakest domain. 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.

One detail that trips people up: because this is a combined exam, these waiting periods also apply to the corresponding standalone property, casualty, and personal-lines examinations. A failure on the combined test isn't isolated from those related exams in terms of retake timing.

If you're weighing whether the exam's difficulty justifies extra prep time before a retake, How Hard Is the AL-PC Exam? Complete Difficulty Guide 2026 breaks down where candidates most often lose points. And for context on how your outcome compares to statewide results, AL-PC Pass Rate 2026: What the Data Shows covers the Department's 2024 Annual Report figures without conflating them with the passing score itself - the pass rate and the passing score are two different numbers, and it's worth understanding both.

Aligning Study Time With the Passing Threshold

Since 66 of your 150 points sit inside Commercial Lines, and another 20 sit inside a state-specific Alabama Law section that generic P&C textbooks won't cover, your study allocation should mirror the point distribution rather than splitting evenly across four domains.

This weighting isn't a generic study framework applied loosely - it's a direct response to how the PCOutline.pdf actually allocates points. For a complete week-by-week plan built around first-attempt success, see the AL-PC Study Guide 2026: How to Pass on Your First Attempt. A one-page reference for last-minute review of Alabama-specific rules is available at the AL-PC Cheat Sheet 2026.

Running practice questions under real exam conditions is one of the most direct ways to see whether you'd actually clear 105 correct answers today. You can start working through timed sets on the main practice test site to benchmark where you stand before committing to a test date.

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