What is a personal lines insurance license, and how do I get one?

A personal lines license authorizes an agent to sell property and casualty insurance to individuals and families for primarily noncommercial purposes, such as auto and homeowners coverage. Requirements vary by state: New York requires a 40-hour prelicensing course for personal lines, Georgia requires an 8-hour course, and Illinois requires 20 hours. California requires only a 12-hour course on ethics and the California Insurance Code.

A personal lines license is an Alabama producer line of authority that covers property and casualty insurance for individuals and households rather than businesses. To get one, pass the Personal Lines exam administered by the University of Alabama: 100 questions, 2 hours, and 70 correct answers (70%) to pass, for a $50 fee, scheduled at least 7 days in advance. Then complete fingerprinting through Fieldprint and apply through NIPR, paying the $80 producer license fee and submitting proof of U.S. citizenship within 10 days.

A personal lines license lets you sell personal (non-commercial) property and casualty products, such as home and auto insurance. In Alaska you must pass the Personal Lines exam through Pearson VUE, then apply through the National Insurance Producer Registry (NIPR) with a $75 fee and one fingerprint card ($48.25). Alaska does not require prelicensing education. Note that if you already hold Property and Casualty authority, you may not also apply for Personal Lines, because P&C already covers it in Alaska.

A personal lines license is a producer license limited to the Personal Lines line of authority, a narrower credential than the full Property and Casualty license. In Arizona you must pass the Personal Lines exam (Series 13-44, $50) with a 70% score, then apply through the National Insurance Producer Registry with the $120 license fee and electronic fingerprints. Arizona does not require pre-licensing education.

A personal lines license covers property and casualty insurance for individuals and households, excluding commercial lines. To earn one in Arkansas, complete the prelicensing course for the Personal Lines line, submit the resident application through the National Insurance Producer Registry (NIPR) with its $20 fee, complete the online criminal background check, and pass the exam. The exam is a single 3.5-hour test with a $50 fee, and you need 70% correct to pass.

A personal lines broker-agent license authorizes you to transact automobile insurance, residential property insurance (including earthquake and flood), personal watercraft insurance, and umbrella or excess liability written over underlying auto or home policies, under California Insurance Code 1625.5. To get one, complete the 12-hour ethics and California Insurance Code course (including 1 hour on insurance fraud), pass the 90-question personal lines exam (60% to pass), apply online through Sircon or NIPR, and submit fingerprints. The filing fee is $188 for the two-year term.

A personal lines license authorizes you to sell insurance for individuals and their property, such as home and auto policies. To earn one in Colorado, complete 50 hours of pre-licensing education, pass the Pearson VUE personal lines exam (2 hours 15 minutes, 104 scored questions), and apply online. The exam costs $41 and the resident license fee is $44 per line. Producers who already hold a Property and Casualty license are exempt from the training and the exam.

A personal lines license is the Producer line of authority that lets you solicit, negotiate, or sell personal lines coverage, such as auto and homeowners insurance, in Connecticut. To earn it, complete 20 hours of approved pre-licensing education, pass the Pearson VUE Personal Lines Producer exam ($65 fee, 70% passing score), and apply through NIPR for the $140 Producer license. The license renews every other year in your birth month.

A personal lines license lets a producer sell property and casualty coverage to individuals and families for noncommercial purposes, such as auto and homeowners policies. To earn it in Delaware, you must be at least 18, pass the Pearson VUE Personal Lines Producer exam, which has 75 general and 40 state scored questions, submit state and FBI criminal history reports, and apply online through the National Insurance Producer Registry with the $150 license fee.

A personal lines insurance license lets a producer sell personal (non-commercial) coverage such as homeowners and auto policies. In DC, there is no stand-alone personal lines exam; personal lines authority is earned by passing the Pearson VUE Property and/or Casualty exams, each with a scaled passing score of 70 and a $75 fee. After passing, apply at nipr.com within 1 year and pay the $100 biennial license fee.

The 20-44 Personal Lines license lets a Florida agent transact property and casualty insurance sold to individuals and families for noncommercial purposes, such as autos, homes, and watercraft. To get it, complete a department-approved course of at least 60 hours covering property, casualty, and inland marine insurance within 4 years of applying, then pass the Pearson VUE state exam, apply through MyProfile ($50 application fee plus $5 license ID fee), and submit fingerprints ($52.50). Six months of qualifying experience can substitute for the course.

A Personal Lines license authorizes an agent to sell property and casualty products, such as home and auto coverage, to individuals and households rather than businesses. To earn it, complete an 8-hour Personal Lines prelicensing course, pass the Pearson VUE exam with a score of at least 70%, and apply at sircon.com/georgia with a notarized Citizenship Affidavit, the $120 fee, and electronic fingerprints.

A personal lines license is a producer line of authority in Idaho that covers auto, home, and renters insurance sold to individuals. To earn it, pass the ID Personal Lines Producer exam through Pearson VUE ($65, 120 minutes), complete fingerprinting for the background check ($65 electronic), and apply online through the National Insurance Producer Registry (NIPR) with the $80 application fee. Idaho does not require pre-licensing education.

A personal lines license is an Illinois producer license with the Personal Lines line of authority, defined as Fire (Property) and Casualty combined, covering personal (non-commercial) customers. Complete 20 hours of pre-licensing education (7.5 in a classroom or webinar), pass the Personal Lines General exam (90 minutes, 75 scored questions) and State exam (45 minutes, 37 scored questions) with a score of 70, then wait 5 days and apply online through NIPR for the $215 license fee. Applicants who already hold Property, Casualty, or both cannot apply for personal lines.

A personal lines license lets a producer sell personal, not commercial, insurance such as auto and homeowners coverage. To earn it, complete Indiana-approved pre-licensing education for Personal Lines, which requires fewer hours than the full Property and Casualty line, then pass the Pearson VUE Personal Lines exam (115 questions, 120 minutes, $69, scaled score of 70 to pass). You must pass the exam and apply within six months of course completion; the application fee is $40 through Sircon or NIPR.

A personal lines license covers property and casualty insurance sold to individuals and families for personal, non-commercial use. To earn one in Iowa, pass the Personal Lines exam (12-IA-55), a 2-hour Pearson VUE exam with 112 scoreable questions and a $44 fee, then submit your application and license fee through the National Insurance Producer Registry (NIPR) within 90 days of passing. Passing the Personal Lines exam is also a prerequisite for the Commercial Lines exam.

A Personal Lines license lets you sell property and casualty products to individuals and families for noncommercial purposes, as a single line rather than two. To get one in Kansas, you must be at least 18, meet the fingerprint and tax clearance requirements, and pass the Kansas Personal Lines Producer exam: 100 scored questions, $57, 70% passing score. No pre-licensing course is required, and renewal is $4 biennially with 18 hours of continuing education, including 3 hours of ethics.

A personal lines license qualifies an agent to sell property and casualty insurance to individuals and families for primarily noncommercial purposes, such as homeowners and personal auto policies. To earn it in Kentucky, complete a 20-hour prelicensing course, apply through the National Insurance Producer Registry (NIPR), request an AOC criminal background report, and pass the property and casualty personal lines examination with a 70% score. Fees run $40 for the license, $40 for the line of authority, and $50 for the exam.

A Personal Lines license is a Louisiana producer line of authority covering personal (non-commercial) insurance. To get one, you pass the PSI Personal Lines exam (Series 107, $36 fee), which requires no prelicensing education, file your application through the National Insurance Producer Registry (NIPR), and complete fingerprinting through IdentoGo.

A personal lines license is a Maine producer line of authority that covers insurance sold to individuals for personal rather than business needs. To earn it, you must complete 16 credit hours of prelicensing education (or show at least 6 months of relevant experience), pass the Pearson VUE Personal Lines exam, and then apply to the Maine Bureau of Insurance through the National Insurance Producer Registry (NIPR) for the $25 resident fee. The exam has 100 scoreable questions, runs 2 hours, and costs $55.

A personal lines license authorizes you to sell personal, not commercial, insurance such as auto and homeowners coverage. To get one, you must pass the Maryland Personal Lines Producer exam (100 scored questions, 2 hours 15 minutes, 70% passing score), pay the $54 application fee, and submit the NAIC Uniform Individual Application through NIPR. Maryland has not required prelicensing coursework since October 1, 2024.

A personal lines license lets a producer sell insurance to individuals and families, such as auto and homeowners coverage, rather than commercial policies. In Massachusetts, you pass the Personal Lines Producer exam through Pearson and then apply through the National Insurance Producer Registry (NIPR). The exam has 105 scored questions (75 general knowledge plus 30 Massachusetts-specific), costs $37, and requires a scaled score of 70 to pass.

A Personal Lines license covers personal auto and homeowners insurance in Michigan. It requires 20 hours of Property and Casualty pre-licensing coursework, a licensing exam of 100 items in 2 hours with a 75% passing score, and a NIPR application with a $10.00 state fee plus a $5.00 transaction fee. If you already hold Property and Casualty licenses, Personal Lines is covered automatically, and NIPR does not accept a separate Personal Lines application from P&C licensees.

A personal lines insurance license lets you sell insurance covering individuals and families, such as auto and homeowners coverage, rather than commercial risks. To get one in Minnesota, complete a 20-hour personal lines prelicensing course, pass the PSI exam with at least 70%, submit fingerprints, and apply online through Sircon or the National Insurance Producer Registry (NIPR). A personal lines course certificate is required for the exam; a property and casualty education certificate cannot be substituted. The license fee is $50 plus a technology fee.

A personal lines license is an insurance producer license in the Personal Lines line of authority, which Mississippi lists alongside the Property and Casualty producer lines. To get one, complete 20 hours of prelicensing education, pass the Personal Lines exam through Pearson VUE (120 minutes, 70% passing score, $50 fee), and apply at www.sircon.com/mississippi or www.nipr.com with the $100 license fee. You must be at least 18.

A personal lines producer license authorizes you to sell personal lines insurance, one of the lines of authority Missouri requires an exam for. To earn it, you must be at least 18, pass the Personal Lines exam (code 56) at a Pearson VUE test center, and submit a $100 license application. The exam costs $32, lasts 2.5 hours, and requires a scaled score of 70 to pass.

Montana does not offer a separate personal lines license. The state's producer lines of authority are Life, Disability (Health), Property, and Casualty, plus limited lines such as credit and surety, so you sell personal lines products under a Property and Casualty license. Each line requires passing the Pearson VUE exam with a score of 75 or better, applying through NIPR, and submitting fingerprints for a $30 background check fee.

A Personal Lines license is one of Nebraska's major producer lines of authority, alongside Property and Casualty. The exam (code 13-21) costs $43 and requires a 70% passing score. After passing, you apply at NIPR.com with the $50 resident license fee, and processing takes 3-5 business days. Nebraska requires no pre-licensing education for this line.

A personal lines license authorizes you to sell property and casualty products for individuals and families, such as auto and home insurance, rather than commercial coverage. To earn it in Nevada, pass the Pearson VUE Personal Lines exam, which has 100 scored questions, then pay the $185 state license application fee. No prelicensing education hours are required, but you must submit fingerprints for the background check.

A personal lines insurance license is a producer line of authority covering insurance for individuals and households, such as auto, homeowners, and renters coverage. In New Hampshire, you must be at least 18, pass the PSI Personal Lines exam (series 12-86, $59), and apply online through the National Insurance Producer Registry with a $210 fee. New Hampshire requires no prelicensing course, and exam scores are valid for 2 years.

A personal lines license authorizes a producer to sell property and casualty coverage to individuals and families for primarily noncommercial purposes, such as home and auto policies. In New Jersey you must be at least 18 years old, complete 20 hours of approved prelicensing education, pass the PSI exam with a minimum score of 70%, complete Live Scan fingerprinting, and apply online through NIPR for $170 in state fees.

In New Mexico, the personal lines license is a producer line of authority that requires passing the Personal Lines Insurance Producer exam with at least 70%. After passing, you complete the fingerprint-based national background check and apply online through NIPR for a $30 fee. You cannot hold Personal Lines and Property and Casualty licenses at the same time; if you hold Property and Casualty, personal lines falls under those lines.

A personal lines license authorizes a New York agent or broker to sell non-commercial insurance to individuals and families rather than to businesses. To get one, complete a Department-approved prelicensing course of at least 40 hours, pass the PSI licensing exam with at least 70%, and apply online through NY LINX; the resident license fee is $80 for a term over one year.

A Personal Lines license lets you sell personal auto, homeowners, dwelling, personal liability, and personal umbrella insurance in North Carolina. You must be at least 18, apply online at www.nipr.com, and pass the state exam, which has 80 scored questions plus 16 pretest questions with 1 hour 45 minutes allotted. The fees are a $50 registration fee plus a $44 application processing fee, and $45 for each exam attempt paid to Pearson VUE. You cannot apply for Personal Lines if you already hold an active Property or Casualty line, because Personal Lines is included within those licenses.

A personal lines license covers property and casualty insurance sold to individuals and families for primarily noncommercial purposes. To get one, you must be at least 18, pass the $58 PSI personal lines exam (70% needed to pass, 150 minutes), submit fingerprint cards, and pay the $100 license application through the National Insurance Producer Registry (NIPR).

Personal lines is one of Ohio's five major lines of authority, alongside Life, Accident & Health, Property, and Casualty. To get one, complete 20 hours of pre-licensing education from an Ohio-approved provider, pass the Series 11-43 exam (100 questions, 2 hours) through PSI with a score of at least 70%, complete BCI and FBI fingerprint checks, and apply through the National Insurance Producer Registry with a $10 fee. The course completion certificate is valid for 180 days.

In Oklahoma the personal lines license is the Property and Casualty - Personal Lines Only line of authority on the producer exam list. You earn it by passing the PSI exam with a 70% score, waiting 3 business days for your results, then applying online through the state licensing portal. The resident license fee is $60. Keeping it requires 24 hours of continuing education every two years, including 3 hours of ethics and 2 hours of legislative updates.

A personal lines license authorizes a producer to sell insurance for individuals and households rather than businesses, such as auto and homeowners coverage. In Oregon, personal lines is a subcategory of the casualty line, so casualty training also qualifies you, and you may not hold or apply for both lines at once. To get the license, complete 20 hours of prelicensing education, pass the Personal Lines exam ($45), provide fingerprints, and apply online through NIPR.

A personal lines license is an Insurance Producer line of authority covering insurance for individuals and households, such as homeowners and personal auto coverage, rather than commercial risks. You earn it by passing the Personal Lines exam (16-16) through PSI with a score of at least 70%, then applying online through Sircon or the National Insurance Producer Registry (NIPR). The exam fee is $45.00 and the resident application fee is $55; resident applicants must also be fingerprinted at an IdentoGO center.

A personal lines license authorizes you to sell personal, non-commercial property and casualty products, such as auto and homeowners insurance. In Rhode Island, you pass the Personal Lines Producer exam at Pearson VUE ($80), wait 3-5 days for the results to post, then apply electronically through NIPR with a $120 fee and a certified background check. Rhode Island requires no pre-licensing course hours.

A personal lines license is the producer line of authority under South Carolina Code Section 38-43-75 that covers personal, rather than commercial, property and casualty insurance. To earn it, pass the Pearson VUE Personal Lines producer exam ($59), then apply online through NIPR and pay the $25 license fee. Resident applicants must also submit fingerprints after applying.

A personal lines license qualifies a producer to sell property and casualty coverage to individuals and families for primarily noncommercial purposes, such as home and auto policies. To get one, pass the written examination for the personal lines line of authority, then submit the resident producer application online through the National Insurance Producer Registry (NIPR) with the $25 fee plus a service fee. You must be at least 18 years old.

A personal lines license is an insurance producer license that authorizes you to sell non-commercial property and casualty insurance, such as home and auto coverage, to individuals. To get one in Tennessee, complete 20 hours of pre-licensing education, pass the Pearson VUE personal lines exam with a 70% minimum score, complete a fingerprint-based background check, and apply online through the National Insurance Producer Registry (NIPR) with a $50 fee.

A Personal Lines Property and Casualty license lets you sell personal (not commercial) property and casualty insurance in Texas. Pass the Pearson VUE exam, which has 100 scoreable questions and a $39 fee, complete fingerprinting through TDI's online portal, then apply through Sircon or NIPR within one year of passing. The application fee is $50.

A personal lines license is one of Utah's resident producer lines of authority. You earn it by passing the Prometric Series 17-20 exam (100 questions, 2 hours, $32 exam fee), then applying online through SIRCON or NIPR within 90 days of passing and being fingerprinted at a Prometric test center. The individual full-line license fee is $70.

A personal lines license is the insurance producer line of authority covering policies sold to individuals and families, such as homeowners and personal auto coverage. To get one in Vermont, you must be at least 18, pass the Prometric Personal Lines exam (Series 14-39, $52), then apply through the National Insurance Producer Registry (NIPR), which charges $60 in state fees.

A personal lines license lets you sell insurance that covers individuals and households, such as auto, homeowners, and dwelling policies, but not commercial coverages. To earn it, you pass the Virginia Personal Lines exam (Series 11-07, two-hour limit), get fingerprinted at a Fieldprint location, and pay the $15 application fee. You may not hold both a Property and Casualty license and a Personal Lines license, since Property and Casualty already includes Personal Lines authority.

A personal lines license is a producer license that lets you sell property and casualty products, such as home and auto coverage, to individuals. To get one, pass the PSI personal lines exam (100 questions, 135 minutes, at least 70% to pass, $38 fee), apply for your license online ($55), and get fingerprinted for the background check ($52) after submitting the application. You cannot hold the personal lines line of authority if you hold or are applying for property and casualty.

A Personal Lines license is one of West Virginia's major producer lines of authority, listed alongside Life, Accident and Sickness, Property, and Casualty. To earn it, complete 20 hours of approved pre-licensing education and pass the Pearson VUE Personal Lines exam (120 questions, 150 minutes) with a scaled score of 70. You must then submit fingerprints through Identogo and apply through the National Insurance Producer Registry (NIPR) with a $50 fee.

A personal lines license authorizes an agent to sell personal auto and homeowners insurance in Wisconsin. To earn it, complete 20 hours of prelicensing education (8 shared hours of principles, Wisconsin law, and ethics plus 12 line-specific hours), pass the Wisconsin Personal Lines exam (series 22-09, $75), submit fingerprints through Fieldprint, and apply through NIPR with a $75 license fee and a $10 application fee. Agents who hold or are applying for the property and casualty lines cannot apply for personal lines, because that authority is already included in those major lines.

A personal lines license qualifies a producer in the Personal Lines line of authority, one of Wyoming's standard lines alongside Property and Casualty. To get one, pass the Wyoming Insurance Licensing Exam for Personal Lines through Pearson VUE, apply online through Sircon, pay the $100 resident fee, and submit fingerprints. Wyoming states that this line is not needed if you already hold the Property and Casualty lines of authority.