How to Get Your Texas Adjuster License in 2026 — the Exam-Exemption Pathway (and What It Costs)

Most states make adjuster candidates pass a separate proctored licensing exam at a testing center. Texas offers a second route: TDI's adjuster-application instructions provide that completing a TDI-approved adjuster prelicensing course — with its own monitored final exam — can remove the need to sit the external licensing exam when the license application is filed with a recent course-completion certificate (TDI's instructions describe a 12-month window).

That is why the course final is not a formality. Under 28 TAC §19.1018, an approved Texas adjuster course must administer a final built to TDI's blueprint for the license type: 150 questions in under 180 minutes for all-lines, 150 questions for property & casualty, and 60 questions for workers' compensation, each with a 70% passing score. Passing that monitored final inside an approved course is what stands in for the state exam.

Course completion is still not a license. After the final, the candidate files the adjuster license application with TDI, completes fingerprint and background requirements when applicable, and must receive written license issuance before adjusting claims in Texas for compensation (Tex. Ins. Code Ch. 4101).

Texas approves adjuster prelicensing by license line, and the right lane depends on the claims work you want. All three lanes require the same 40 creditable hours of TDI-approved instruction under 28 TAC §19.1009.

Texas requires 40 creditable hours of TDI-approved prelicensing instruction per adjuster course (28 TAC §19.1009). In an approved online course, those hours are real: active seat-time is tracked while you study, lesson navigation is sequential, and the monitored final stays locked until the lessons and the seat-time requirement are satisfied.

Plan the 40 hours the way you would a work week. Full-time study finishes in about a week; nights-and-weekends study typically lands between two and four weeks. Because enrollment is open year-round and the course is self-paced, the timeline is yours to compress or stretch.

Course tuition is the largest cost of a Texas adjuster license, and prices for the same 40-hour requirement vary widely. The figures below are public prices verified in July 2026 from each provider's site (or a current public review where the provider gates its price); they can change, and several competitors are English-only.

For property & casualty, Continuing & Career Education (CCE) lists $250, AB Training Center $279, and Kaplan $299 — against National Course Portal's $239.99 TDI-approved P&C course. For workers' compensation, CCE lists $200 for its 40-hour course and Texas Adjuster Training charges $400 for a live weekend classroom, while AdjusterPro's $199 workers'-comp product is exam prep only, not the 40-hour TDI prelicensing course — against National Course Portal's $189.99 TDI-approved WC course. For all-lines, AdjusterPro runs about $280, Kaplan $299, and A.D. Banker about $250, against National Course Portal's $189.99.

National Course Portal also runs a price-match review: if you find a lower current public price for a comparable TDI-approved Texas course before you pay, submit the link from the course page for manual review under the posted terms.

Every National Course Portal adjuster course includes The 90 Club™ at the single listed price: earn 90% or higher on your first monitored final attempt, complete the verification requirements, and a rebate is issued — bringing the net cost to $169.99 for all-lines, $199.99 for P&C, and $169.99 for workers' compensation. Strong students effectively pay less for the same TDI-approved certificate.

The courses are also fully bilingual. The complete course text and the practice question banks exist in parity in English and Spanish, so bilingual candidates can study concepts in Spanish while locking in the English exam vocabulary — a combination the major national adjuster schools do not offer at any price.

After you pass the monitored course final, the remaining steps run through TDI. The provider reports the completion, and the candidate files the license application citing the approved-course completion for the exam exemption. Keep the completion certificate handy: TDI's instructions tie the exemption to a recent completion, so file promptly rather than letting the certificate age.

Once TDI issues the license, most new adjusters build their first year around an independent-adjusting firm roster, a carrier claims desk, or CAT deployment lists — and the license line you chose determines which doors open first.