MT-PC Pass Rate 2026: What the Data Shows

What Pass Rate Data Actually Exists for MT-PC

If you've searched for a specific pass rate percentage for the Montana Property & Casualty Insurance Producer Exam (MT-PC), you've likely noticed something: the Office of the Montana State Auditor, Commissioner of Securities and Insurance, does not publish a granular public pass rate breakdown for this exam. That's a meaningful finding in itself, and it changes how you should approach preparation.

Instead of chasing a headline number, the more useful exercise is understanding the structural data that is published - question counts, scoring methodology, time limits, and retake rules - because those factors are what actually determine whether an individual candidate passes. This article walks through every verifiable data point Montana has released about the MT-PC exams and explains what each one means for your odds on test day.

The Scaled Score of 75: Why It Matters More Than Any Percentage

Montana licenses Property and Casualty producers separately, and each exam uses a scaled score with a passing threshold of 75. This is a critical distinction: a scaled score of 75 is not the same as answering 75% of questions correctly. Scaled scoring adjusts for the relative difficulty of the specific question set a candidate receives, so two candidates who answer a different number of questions correctly can both land above or below the passing line depending on which questions they saw.

Because pretest questions (10 on each exam) don't count toward your score but are indistinguishable from scored items during the test, you can't identify which questions to "coast" on. Every question deserves full attention, even though only 82 of 92 Property questions and 87 of 97 Casualty questions are actually scored.

For a full breakdown of exactly how the scaled score works and what raw performance typically translates into a pass, see the dedicated MT-PC Passing Score 2026: Exactly What You Need to Pass guide.

Exam Structure and What It Tells You About Difficulty

The two exams differ slightly in length and time, and that gap is itself informative data about relative scope:

The Casualty exam carries five more scored questions and 15 more minutes than Property, which reflects a somewhat broader content footprint. Neither exam requires prelicensing education hours before you sit for it, which means the burden of preparation rests entirely on self-study - a structural fact that arguably matters more to your outcome than any published pass rate would. For a deeper look at how question style and pacing compare, read How Hard Is the MT-PC Exam? Complete Difficulty Guide 2026.

Domain Weighting by the Numbers

Montana's March 2, 2026 outlines organize content into four domains, and the domain shares are calculated directly from official scored-question counts across both exams:

• Domain 1: Property Producer - General Knowledge
• Domain 2: Property Producer - Montana-Specific
• Domain 3: Casualty Producer - General Knowledge
• Domain 4: Casualty Producer - Montana-Specific

At the exam level, the math is straightforward: across the combined 169 scored questions (82 Property + 87 Casualty), Property content accounts for roughly 49% of scored weight and Casualty content accounts for roughly 51%. That near-even split tells you something important - neither license track dominates the combined workload, so if you're pursuing both credentials, you cannot afford to treat one as an afterthought.

For a question-by-question walkthrough of what each domain actually tests, see the MT-PC Exam Domains 2026: Complete Guide to All 4 Content Areas.

Retake Rules and How They Shape Real-World Outcomes

One of the most consequential pieces of "pass rate" data isn't a percentage at all - it's the retake structure. Montana allows candidates two online attempts via OnVUE for each exam. If you don't pass within those two online attempts, subsequent sittings must take place at a physical Pearson VUE test center.

This policy has a real effect on outcomes: candidates who treat their first OnVUE attempt casually, assuming they'll simply retake it from home, are giving up half of their flexible attempts. Since each exam sitting costs $65 regardless of format, a failed attempt is also a direct financial cost, not just a scheduling inconvenience.

Also remember that a passed exam is only valid for one year before you apply for licensure - so treat your exam date as the start of a licensing clock, not just a study deadline. Full eligibility mechanics, including fingerprinting and the application window, are covered in MT-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.

Registration and Fee Mechanics

Montana requires separate exams for Property and Casualty lines - there is no combined "P&C" single exam despite the shared branding. Each exam is $65, so a candidate pursuing both lines pays $130 total in exam fees alone, before licensing fees or fingerprinting costs.

• Exams are delivered at Pearson VUE test centers or remotely through OnVUE
• Applicants must be at least 18 years old
• No prelicensing education is required for either exam
• Fingerprinting is required as part of the licensure application
• Licenses renew biennially, requiring 24 continuing education hours, including 3 ethics hours and 1 hour on Montana legislative changes

For a line-item cost comparison across scenarios (single line vs. both lines, retake costs, CE costs), see MT-PC Certification Cost 2026: Complete Pricing Breakdown, and for the exact testing calendar and scheduling windows, check MT-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.

Who Sits for MT-PC and Why It Matters

Because Montana doesn't require prelicensing coursework, the pool of candidates sitting for MT-PC is broader and more varied in preparation level than exams gated by mandatory classroom hours. This includes career-changers entering insurance sales for the first time, agency staff being promoted into producer roles, and experienced producers licensed in other states adding Montana as a resident or non-resident line.

Independent agencies, captive carriers, and brokerages across Montana hire licensed Property and Casualty producers, and many roles explicitly require both lines rather than one. That's part of why the $130 combined-exam path is so common among serious candidates - employers frequently want both boxes checked before extending an offer. If you're evaluating whether the credential is worth pursuing given the effort and cost involved, Is the MT-PC Certification Worth It? Complete ROI Analysis 2026 walks through that decision in more depth, and the MT-PC Salary Guide 2026: Complete Earnings Analysis covers earnings context for licensed producers.

A Domain-Driven Study Timeline

Rather than a generic weekly template, sequence your preparation around the exam-level split identified earlier: Property carries roughly 49% of combined scored weight and Casualty roughly 51%, so both deserve comparable time investment, with a slight edge to Casualty given its larger scored-question count and longer time allowance.

For a structured, day-by-day version of this approach, see the MT-PC Study Guide 2026: How to Pass on Your First Attempt, and use timed practice sessions on our practice test platform to simulate the real scaled-scoring pressure before you spend your limited OnVUE attempts.

Frequently Asked Questions