HI-PC Pass Rate 2026: What the Data Shows

Why Hawaii Doesn't Publish an Official HI-PC Pass Rate

If you've searched for a specific pass/fail percentage for the Hawaii Property and Casualty Insurance Producer Exam, you've likely come up empty. The Hawaii Department of Commerce and Consumer Affairs, Insurance Division, which contracts Pearson VUE to administer the exam, does not release a public pass-rate statistic the way some other testing programs do. That absence is intentional on our part too - we won't manufacture a number just to fill a headline. Instead, this article breaks down the mechanics that actually determine whether a candidate passes: scoring structure, question weighting, and format decisions baked into the exam itself.

Understanding those mechanics is more useful than a single aggregate number anyway, because a pass rate tells you nothing about why people fail. The scaled passing score, the scored-vs-pretest split, and the heavy weighting toward Hawaii-specific law are the real variables you can control through preparation. For a broader look at exam structure, see the HI-PC Exam Domains 2026: Complete Guide to All 6 Content Areas.

How the Scoring Model Actually Works

The Hawaii Property Producer exam consists of 93 total multiple-choice questions, but only 83 of those are scored. The remaining 10 are pretest items - questions being evaluated for future exam versions that do not count toward your result. You are given 120 minutes to complete the exam, and it is closed book, administered on computer at a Pearson VUE test center or through OnVUE remote proctoring.

Here's the part candidates most often misunderstand: you don't know which questions are scored and which are pretest. They're mixed together indistinguishably, which means there's no strategy in trying to identify and skip the "unimportant" ones. Every question deserves full attention because you can't tell a scored item from a pretest item during the exam.

The passing score is scaled at 70. A scaled score isn't a raw percentage of questions answered correctly - it's a converted score designed to account for slight variations in difficulty across different exam forms. Practically, this means you should prepare to comfortably exceed a simple 70% correct-answer threshold on practice material, since the scaled conversion isn't guaranteed to map one-to-one with raw percentage. For the precise mechanics of how that scaled score is calculated and applied, see HI-PC Passing Score 2026: Exactly What You Need to Pass.

The Real Pass/Fail Lever: Domain Weighting

The single biggest determinant of exam outcome isn't luck - it's how well your preparation matches the outline's published weighting. Hawaii's Property Producer content outline, effective January 1, 2026, breaks the exam into six domains with very uneven weight distribution:

Two domains alone - Domain 4 at 27.7% and Domain 1 at 26.5% - account for more than half the scored content. Meanwhile Domain 5 sits at just 4.8%. A study plan that spends equal time across all six domains is misallocating effort. For a full breakdown of what each domain actually tests, read the HI-PC Exam Domains 2026: Complete Guide to All 6 Content Areas.

Where Candidates Are Most Likely to Lose Points

Because Domain 4 and Domain 1 combined make up over half the scored exam, they're also where preparation gaps do the most damage. Here's what each of the heaviest domains actually demands:

Notice the pattern: three domains related to Hawaii-specific law and rules (Domains 4, 5, and 6) collectively represent nearly 40% of the exam. Candidates who treat "state law" as a footnote to memorize the night before consistently underperform relative to their general insurance knowledge. If you want a deeper dive into study sequencing across all six areas, the HI-PC Study Guide 2026: How to Pass on Your First Attempt walks through it section by section.

Format Factors That Influence Outcomes

Beyond content knowledge, the exam's format itself creates conditions that affect performance:

• Time pressure is real but manageable. With 120 minutes for 93 questions, you have roughly 77 seconds per question on average - workable if you don't get stuck rereading unfamiliar law citations.
• No open reference materials. The exam is closed book, so there's no fallback to look up a policy definition mid-test. Everything in Domains 4, 5, and 6 has to be committed to memory beforehand.
• No prelicensing education is mandated. Hawaii doesn't require a specific prelicensing program before you sit for the exam, which means the quality of your self-directed preparation carries more weight than it would in states with mandatory coursework. Full eligibility details are covered in HI-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
• Testing venue matters logistically. Pearson VUE test centers allow two exams to be scheduled in a single session, but OnVUE remote testing does not support back-to-back exams. If you're pursuing both the Property and Casualty lines, this affects how you plan your test day.

Property vs. Casualty: Two Separate Pass/Fail Events

Hawaii tests Property and Casualty as two distinct exams, each with its own fee, question count, and time allotment. Passing one has no bearing on the other, and each requires its own registration and its own pass/fail outcome.

If your goal is a full P&C license, you'll need to pass both exams and both carry separate fees. For a complete accounting of what licensure actually costs from start to finish, see HI-PC Certification Cost 2026: Complete Pricing Breakdown.

Registration, Fees, and Retake Mechanics

Eligibility for the Property Producer exam is straightforward: you must be at least 18 years old, and Hawaii does not require completion of a specific prelicensing program before scheduling. The exam is administered through Pearson VUE, either at a physical test center or via OnVUE online proctoring, and the $75 fee applies per attempt.

Because there's no mandated coursework requirement, the burden of readiness assessment falls entirely on the candidate. That's exactly why domain-weighted study - rather than generic review - matters so much here. Before you schedule, it's worth reviewing current testing windows and any scheduling constraints in HI-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.

If you don't pass on your first attempt, you'll need to re-register and pay the fee again for another sitting. Since the outline weighting doesn't change between attempts, a failed first try is most useful as diagnostic information: which domains cost you the most points? Given that Domains 4 and 1 together represent more than half the scored questions, a retake strategy should start there.

Building a Study Timeline Around Domain Weight

Generic study advice - flashcards, timed drills, spaced review - only helps if it's pointed at the right targets. Given the outline's weighting, a sequenced approach that front-loads the heaviest domains and finishes with the lightest ones tends to make the most efficient use of limited prep time.

For a domain-by-domain topic list you can turn into flashcards, pair this timeline with the HI-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts, and check your overall readiness against the difficulty factors described in How Hard Is the HI-PC Exam? Complete Difficulty Guide 2026. You can also run full-length simulations on our practice test platform to get comfortable with the 93-question, 120-minute format before test day.

Who's Actually Sitting for This Exam

The HI-PC Property Producer exam is the entry credential for anyone who wants to sell, solicit, or negotiate property insurance in Hawaii - independent agency hires, captive carrier trainees, and career-changers moving into insurance sales all sit for it. Once licensed, ongoing renewal requires 24 continuing education credits for a P&C-only producer, split between 21 P&C-specific credits and 3 ethics and/or Hawaii law and rules credits. That renewal structure is a useful hint about the exam's own emphasis: law and rules content isn't a one-time hurdle, it's a recurring theme throughout a producer's career.

If you're weighing whether this license is worth pursuing relative to the work involved, Is the HI-PC Certification Worth It? Complete ROI Analysis 2026 and HI-PC Salary Guide 2026: Complete Earnings Analysis cover the career-side considerations. For a plain-language primer on the credential itself, start with What Is HI-PC? or HI-PC Certification.

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