MS-PC Pass Rate 2026: What the Data Shows

Why There's No Official MS-PC Pass Rate Published

If you've been searching for a specific "X% of candidates pass the MS-PC exam" statistic, you've likely come up empty - and that's not an accident of poor research. The Mississippi Insurance Department, which administers the exam through Pearson VUE, does not publish a public pass rate for exam code InsMS-PC06. Unlike some national certifications that release annual scorecards, Mississippi's property and casualty producer exam program keeps that data internal.

That doesn't mean you're flying blind. What you can do is analyze the structure of the exam itself - the passing score, the question count, the domain weighting, and the retake rules - to understand exactly what it takes to land on the right side of the line. That's the approach this article takes, and it's the same approach we recommend in our MS-PC Study Guide 2026, which turns these mechanics into an actionable prep plan.

What "70% to Pass" Actually Means on Exam Day

The MS-PC exam consists of 100 total multiple-choice questions, but only 90 are scored. The remaining 10 are unscored pretest questions used to evaluate future exam content - you won't know which questions fall into which category, so every question deserves your full attention. To pass, you need 70% correct on the 90 scored questions, which works out to 63 correct answers.

That framing matters because it reshapes how you think about "cushion." You're not trying to average 70% across all 100 questions; you're trying to hit 63 correct out of the 90 that count. A handful of confusing or unfamiliar pretest items shouldn't rattle you - treat every question the same, answer confidently, and move on. For a deeper breakdown of how the scoring threshold is calculated and what it means for guessing strategy, see our dedicated piece on the MS-PC Passing Score.

Exam Format Factors That Move the Needle

Several structural details of the MS-PC exam directly influence how candidates perform, independent of any published pass rate:

• Time allotment: You get 2 hours and 30 minutes for 100 questions - roughly 90 seconds per question on average, which is generous if you've studied but tight if you're second-guessing.
• Cost per attempt: Each sitting costs $50 under exam code InsMS-PC06, so an unprepared attempt is an expensive way to "see what it's like." Our MS-PC Certification Cost breakdown covers this alongside prelicensing course fees.
• Prerequisite education: You must be at least 18 and complete 40 hours of approved prelicensing education - 20 hours in property, 20 in casualty - before you're eligible to test. Skipping ahead isn't an option; see the full MS-PC Requirements for eligibility details.
• Testing channel: You can sit at a Pearson VUE test center or test remotely via OnVUE. The channel you choose affects your retake options, covered below.

Every one of these factors is baked into the exam's design specifically for Mississippi's producer licensing program - they're not generic testing conditions borrowed from another credential.

Domain Weighting and Where Candidates Lose Points

The current content outline, effective June 7, 2022, splits the 90 scored questions across seven domains. Because domain weight is calculated directly from the official scored-question counts, some content areas simply carry more risk than others if you under-study them.

Domain 7, Mississippi Property and Casualty Insurance Laws, is the largest single domain at 22.22% - nearly a quarter of the scored exam. Combined with Domain 4 (Types of Casualty Policies, Bonds, and Related Terms) at 17.78% and Domain 1 (Types of Property Policies) at 16.67%, these three domains alone account for well over half of your scored questions. A candidate who treats state law as an afterthought is taking on disproportionate risk relative to its weight.

For a full walkthrough of what each domain actually tests - including the terminology and provision-level detail inside Domains 2, 3, 5, and 6 - our MS-PC Exam Domains Guide breaks down all seven content areas question by question.

Retake Rules: What Happens If You Don't Pass

Attempt limits differ depending on how you test. Candidates using OnVUE (online remote proctoring) are limited to two attempts per exam, and if the first attempt doesn't result in a pass, there's a mandatory 14-day wait before scheduling the second online attempt. This waiting period exists to prevent candidates from repeatedly guessing their way through the same content without additional preparation.

This detail should influence your scheduling strategy. If you're testing online and there's any chance you'll need a second attempt, build the 14-day gap into your target licensing timeline now rather than discovering it after a missed pass. Our MS-PC Exam Dates guide walks through scheduling logistics for both testing channels, including how to plan around the retake waiting period.

Who Sits for This Exam - and Why It Matters for Prep

Candidates pursuing the MS-PC exam are typically aspiring insurance producers seeking appointment with property and casualty carriers, independent agencies, and brokerages operating in Mississippi. Some are career-changers entering the insurance industry for the first time; others already hold licenses in different lines and are adding P&C authority. Because the license renews biennially and requires 24 continuing-education hours (including 3 ethics hours) to maintain, passing the initial exam is really the entry point to an ongoing regulatory relationship, not a one-time hurdle.

This context matters for how you study. If you're coming from a sales or customer-service background without insurance industry exposure, you'll need more time on foundational terminology (Domains 2 and 5) than someone transitioning from an adjacent licensed line. For a candid assessment of how demanding the exam is relative to your background, see How Hard Is the MS-PC Exam?, and for a broader look at career payoff, Is the MS-PC Certification Worth It? covers the licensing-to-career pipeline in more detail. If you're weighing where the license can take you professionally, our MS-PC Salary Guide and MS-PC Jobs roundup are useful next reads once you're past exam prep.

A Domain-Weighted Study Timeline

Rather than studying every domain equally, allocate time proportional to its scored-question weight. Below is a sample four-week structure that front-loads the heaviest domains while still building a complete foundation before test day.

Use short spaced-repetition review sessions on state-specific statutes throughout this timeline - that domain rewards repetition more than any other because it's rule-based rather than conceptual. Once you've worked through this schedule, a condensed reference like our MS-PC Cheat Sheet is useful for final-week review, and running full-length questions on our practice test platform will show you exactly which domains still need attention before you book your Pearson VUE or OnVUE session.

Frequently Asked Questions