What's the actual passing score for P&C? Getting conflicting info

What helped me most with property and casualty insurance specifically: stop thinking about it as a topic to memorize and start thinking about the types of decisions it's asking you to make. Once I shifted to that frame, my P&C scores in that section jumped about 11 points within a week.

Great discussion here. One thing I'd add that hasn't come up: sleep the night before is genuinely more important than one more study session. I went in fully rested for my P&C and felt sharper on the property and casualty insurance questions than I expected. Don't underestimate recovery time.

What helped me most with property and casualty insurance specifically: stop thinking about it as a topic to memorize and start thinking about the types of decisions it's asking you to make. Once I shifted to that frame, my P&C scores in that section jumped about 17 points within a week.

So I actually failed my first attempt by two questions and it nearly broke me. The passing score thing tripped me up too because I was studying for 70% and my state requires 75. Check your state's DOI website specifically, not third-party study sites, because they often just post the most common threshold and call it a day. It's not standardized nationally, which is genuinely annoying.

What changed for me the second time was I stopped drilling random practice questions and started focusing on the stuff I consistently missed, mostly liability coverage distinctions and how deductibles interact with coinsurance. I also gave myself an extra week instead of rushing. You've probably got more of the material down than you think, it's usually just a few concept gaps dragging the score down.

Just passed mine last month so I can actually answer this. You're not overthinking it, the score really does vary by state. Mine was 70% but my study partner in a different state needed 75%. Check your state's DOI website directly, that's the only number that matters for you.

The thing that actually helped me wasn't memorizing the cutoff though, it's knowing that the questions test application not definitions. I kept getting tripped up on coverage exclusion scenarios until I stopped trying to recall the exact policy language and started thinking about what would logically be excluded and why. Once I made that shift the practice tests started clicking. Just focus on understanding the concepts and the passing score kind of takes care of itself.