- What Score Do You Actually Need to Pass?
- How the 150 Questions Are Built
- Why Domain Weighting Decides Your Fate
- The Unscored Question Wrinkle
- How Much Room for Error You Really Have
- Fees, Retakes, and the Application Clock
- The March 2026 Testing Site Change
- Building a Score-Focused Study Plan
- Frequently Asked Questions
- You need 105 correct answers out of 150 scored questions - exactly 70% - to pass.
- PSI may slip in 5 to 10 unscored experimental items, so your actual exam could run longer than 150 questions on screen.
- Auto Insurance (16%) and the combined Property and Casualty Insurance Basics, Homeowners Policy, and Businessowners Policy domains carry the heaviest scoring...
- You get 150 minutes for the $47 closed-book exam - no calculators or reference materials allowed.
What Score Do You Actually Need to Pass?
The Nebraska Property & Casualty Insurance Producer Exam has one number that matters above all others: 70%. The exam contains 150 scored multiple-choice questions, and the Nebraska Department of Insurance requires candidates to answer at least 105 of them correctly to pass. There is no partial credit, no curve, and no separate cutoff for individual domains - your composite score across all ten content areas is what gets reported.
This is a fixed, absolute standard rather than a scaled or relative score, which means every candidate is measured against the same bar regardless of when they test or which version of the exam they receive. If you want a deeper breakdown of how PSI Services LLC structures the entire testing experience, the NE-PC Study Guide 2026 walks through the full exam-day process from check-in to results.
How the 150 Questions Are Built
Understanding the passing score in isolation isn't enough - you need to understand the container it lives in. The Producer Property and Casualty Series 13-04 exam is a closed-book, computer-based test administered by PSI Services LLC. Candidates get 150 minutes to answer 150 scored multiple-choice questions, and the exam fee is $47. There's no scratch paper substitute, no calculator, and no reference sheet allowed - everything must be recalled from memory or reasoned through using the policy logic you've studied.
That works out to an average of one minute per question, but in practice pacing is uneven. Some questions - particularly on Insurance Regulation or General Insurance - are quick recall items. Others, especially scenario-based questions tied to the Homeowners Policy or Commercial Package Policy domains, require you to read a short claim scenario and apply coverage logic, which eats more time. If you're unsure how tough the format feels in practice, How Hard Is the NE-PC Exam? Complete Difficulty Guide 2026 breaks down question style in more detail.
Key Takeaway
Don't budget exactly one minute per question. Bank extra time on recall-heavy domains like General Insurance so you have slack for slower, scenario-based questions later in the exam.
Why Domain Weighting Decides Your Fate
Because the passing score is a flat 70% across the whole exam, not per domain, your best strategy is to weight your study time the same way PSI weights the exam itself. Some domains are worth more than double others, and treating them equally would be a mistake.
| Domain | Weight | Approx. Scored Questions |
|---|---|---|
| Auto Insurance | 16% | ~24 |
| Property and Casualty Insurance Basics | 13% | ~20 |
| Homeowners Policy | 13% | ~20 |
| Businessowners Policy | 12% | ~18 |
| Insurance Regulation | 10% | ~15 |
| General Insurance | 10% | ~15 |
| Commercial Package Policy | 10% | ~15 |
| Workers Compensation Insurance | 7% | ~11 |
| Dwelling Policy | 5% | ~8 |
| Other Coverages and Options | 3% | ~5 |
Notice that Auto Insurance alone accounts for 16% of the exam - the single largest domain. Combined with Property and Casualty Insurance Basics, Homeowners Policy, and Businessowners Policy, these four domains alone represent more than half the scored content. If your practice-test results show weakness in any of these four, that's where remediation time should go first, not into the smaller domains like Dwelling Policy or Other Coverages and Options.
Auto Insurance (16%)
The largest single domain. Candidates must understand liability limits, uninsured/underinsured motorist coverage, comprehensive and collision distinctions, and how Nebraska-specific auto coverage requirements apply to policy structuring.
- Know the difference between named-driver exclusions and standard liability coverage
- Be able to identify which physical damage coverage applies to a given loss scenario
Property and Casualty Insurance Basics (13%)
This domain covers the foundational vocabulary and legal concepts - insurable interest, indemnity, subrogation, and policy structure - that show up as building blocks inside almost every other domain's questions.
- Master policy conditions, endorsements, and exclusions terminology
- Understand how basics questions get embedded inside scenario questions from other domains
For a full walk-through of every domain's subtopics, see the NE-PC Exam Domains 2026: Complete Guide to All 10 Content Areas, which maps each of the ten areas to the specific policy forms and coverage concepts you're likely to be tested on.
The Unscored Question Wrinkle
Here's a detail that trips up a lot of candidates: PSI may embed 5 to 10 unscored experimental questions into your exam alongside the 150 scored items. These pretest questions look identical to the real thing - same format, same difficulty range - but they don't count toward your 105-correct threshold. You won't be told which ones they are.
Practically, this means two things. First, your total on-screen question count could be higher than 150, so don't panic or assume you've miscounted if the number feels off. Second, and more importantly, you cannot game the system by trying to identify and skip the experimental items - treat every question as if it counts, because roughly 97% or more of them do.
How Much Room for Error You Really Have
Doing the arithmetic on 70% gives you a useful mental model: out of 150 scored questions, you can afford to miss up to 45 and still pass with exactly 105 correct. That's a meaningful cushion - nearly a third of the exam - but it disappears quickly if your weak spots cluster in the heavily weighted domains.
Consider two candidates who each miss 45 questions. One spreads those misses evenly across all ten domains and still passes comfortably in every section proportionally. The other concentrates misses in Auto Insurance, Homeowners Policy, and Businessowners Policy - the three domains that together make up 41% of the exam - and risks falling below 105 even though the raw miss count is identical. The lesson: your margin for error isn't just a number, it's a distribution problem. Strengthen your weakest heavily weighted domain before polishing an already-strong lightly weighted one.
Key Takeaway
Missing 45 questions still passes you - but only if those misses aren't concentrated in Auto Insurance, Homeowners Policy, or Businessowners Policy. Diagnose weak domains with practice tests before assuming you're "close enough."
Fees, Retakes, and the Application Clock
The $47 exam fee is paid per attempt through PSI, and Nebraska does not impose a mandatory prelicensing education requirement before you sit for the test - which is part of why understanding the passing score threshold matters so much; there's no built-in coursework buffer forcing preparation before your attempt.
Once you pass, the clock starts ticking: your $50 license application must be submitted within one year of your passing exam date. Resident applicants also need to be at least 18 years old and meet Nebraska's character and residency standards. For the complete eligibility checklist, review NE-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. And if you're budgeting the full path to licensure - exam fee, application fee, and any prep materials - the NE-PC Certification Cost 2026: Complete Pricing Breakdown lays out every line item.
If you fall short of 105 correct, you'll need to re-register and pay the $47 fee again for another attempt. There's no partial-retest option that lets you retake only your weak domains - a retake means sitting for all 150 scored questions again. This is exactly why a single well-prepared attempt, guided by realistic practice testing on our full-length practice exams, is far more efficient than treating the first attempt as a diagnostic run.
The March 2026 Testing Site Change
A logistical detail that directly affects your test-day plan: effective March 16, 2026, Nebraska P&C exams will be offered only at physical PSI testing sites - remote or online-proctored testing is being discontinued. Calculators and reference materials remain prohibited, as they always have been for this closed-book exam.
Practically, this means you should confirm your testing site location well before your scheduled date, especially if you're in a rural part of Nebraska where the nearest PSI center may require travel. Build that logistics buffer into your plan the same way you'd build in study time. For a full rundown of scheduling windows and deadlines tied to this transition, see NE-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Building a Score-Focused Study Plan
Rather than studying domains in the order they appear in the outline, sequence your preparation by weight and personal weakness. A simple four-phase approach tied directly to the 70% threshold works well:
Diagnose with a Full Practice Run
- Take a full-length timed practice test to see your raw score against the 105-correct benchmark
- Identify which domains you're missing most often, especially Auto Insurance and Homeowners Policy
Attack the Heavyweight Domains
- Spend the bulk of study hours on Auto Insurance (16%), Property and Casualty Insurance Basics (13%), and Homeowners Policy (13%)
- Drill scenario-based questions, not just definitions
Reinforce the Mid-Weight Domains
- Cover Businessowners Policy, Insurance Regulation, General Insurance, and Commercial Package Policy
- Cross-reference overlapping concepts between Commercial Package Policy and Businessowners Policy
Clean Up Lighter Domains and Retest
- Finish with Workers Compensation Insurance, Dwelling Policy, and Other Coverages and Options
- Take a second full practice exam and confirm your score sits comfortably above 105
This is a light structural framework, not a rigid calendar - spend more or fewer sessions per phase depending on your diagnostic results. The point is that your time allocation should mirror the exam's own weighting, not an arbitrary alphabetical or textbook order. For a compact reference you can review in the final days before your test, the NE-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the highest-yield facts across all ten domains.
If you're still deciding whether the investment of time and the $47/$50 fee structure is worth it relative to career payoff, Is the NE-PC Certification Worth It? Complete ROI Analysis 2026 and NE-PC Salary Guide 2026: Complete Earnings Analysis cover that angle, while NE-PC Pass Rate 2026: What the Data Shows puts the 70% threshold into broader context. Once you're ready to test your recall under real time pressure, practicing with full-length timed exams is the closest simulation to the actual PSI testing environment you'll get before exam day.
Frequently Asked Questions
You need 105 correct answers out of 150 scored multiple-choice questions, which equals 70%. This is a fixed threshold, not a scaled or curved score.
No. PSI may add 5 to 10 unscored experimental questions to your exam, but they are not counted toward your 105-correct requirement. You won't know which questions are experimental, so answer every question carefully.
You can miss up to 45 of the 150 scored questions and still pass, since 105 correct answers equals the 70% threshold. However, missing questions concentrated in heavily weighted domains like Auto Insurance is riskier than spreading misses evenly.
No. The 70% passing standard applies to your total score across all 150 scored questions combined, not to individual domains. There is no minimum score required within each of the ten content areas.
You'll need to re-register and pay the $47 exam fee again to retake the full 150-question exam. There is no option to retest only the domains you missed.