Eligibility and Education Requirements
To sit for the Texas auto insurance exam, you must be at least 18 years old, a U.S. citizen or legal resident, and have no disqualifying criminal convictions. The state requires 30 hours of pre‑licensing education from an approved provider; the curriculum covers Texas insurance law, ethics, and policy types.
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Exam Structure and Passing Criteria
The exam consists of 70 multiple‑choice questions, with a 120‑minute time limit. You must score at least 70% to pass. The test covers four sections: Texas Insurance Law, General Insurance, Auto Insurance, and Ethics.
Application, Fees, and Background Check
Submit the online application through the Texas Department of Insurance (TDI) portal. Fees include a $35 application fee and a $25 background check fee. TDI will verify your education completion and conduct a criminal background check.
Licensing Fees and Renewal
Upon approval, the initial license fee is $70. Licenses expire on the last day of the month in which you earned the license, and you must renew annually by filing a renewal application and paying the $70 fee. A 10% late fee applies if renewal is delayed beyond the due date.
Continuing Education and Professional Development
Texas requires 12 hours of continuing education every two years, with at least one hour on ethics. Providers must be TDI‑approved, and completion certificates must be submitted online. Failure to meet CE requirements results in license suspension.
Career Opportunities and Earnings Potential
Licensed auto agents can work for insurance agencies, brokerage firms, or as independent contractors. In Texas, the median annual income for auto insurance agents ranges from $45,000 to $70,000, depending on experience and sales volume. Bonuses and commissions can significantly boost earnings.