What is the personal lines insurance license exam, and how do I take it?

The personal lines exam is the state licensing test for property and casualty coverage sold to individuals and families, such as auto and homeowners insurance. You take it by registering with your state's exam vendor, generally Pearson VUE (used in about 29 jurisdictions) or PSI (used in California and New York), after completing any required prelicensing education. Formats vary by state; for example, Tennessee's personal lines exam has 100 questions in 120 minutes with a passing score of 75.

The Personal Lines exam is Alaska's licensing test for personal property and casualty products, administered by Pearson VUE with a scaled passing score of 70. It has two parts: a general knowledge portion with 75 scored questions and an Alaska state portion with 49 scored questions. You schedule the exam and pay the $89 fee through Pearson VUE, and your score is valid for one year.

The exam is the Delaware Personal Lines Producer exam, administered by Pearson VUE for $90. It has 75 scored general questions and 40 scored Delaware-specific questions, plus unscored pretest questions. You schedule online through Pearson VUE's Delaware insurance page or by phone at 800-274-0455, reserving at least 24 hours ahead and paying the fee at booking. Some Delaware exams require a scaled score of 70 to pass and others require 80.

DC does not offer a stand-alone Personal Lines exam. Pearson VUE administers only the Life, Health, Property, Casualty, Title, and Public Adjuster exams, so you earn personal lines authority by passing the Property and/or Casualty exams. Each exam costs $75, has a required scaled passing score of 70, and must be reserved online or by phone at least 24 hours before the test date; walk-in exams are not available.

The ID Personal Lines Producer exam is the Pearson VUE test required for the Personal Lines line of authority. It costs $65, allows 120 minutes, and includes 97 scored questions. You can schedule it through the Pearson VUE online reservation tool, at testing centers across Idaho, or online via OnVue remote proctoring.

The Kansas Personal Lines Producer exam (code 12-KS-55) is a single-line exam that costs $57 as of July 2026, allows 90 minutes, and requires a 70% passing score set by the Kansas Department of Insurance. You reserve it through Pearson online or by phone at (888) 204-6255 at least 24 hours before your desired date, and walk-ins are not available. Exam scores are valid for two years.

The Maine Personal Lines exam (12-ME-55) has 100 scoreable questions, 75 general knowledge plus 25 Maine-specific, runs 2 hours, and costs $55, with a passing scaled score of 70 set by the Maine Bureau of Insurance. You schedule it through Pearson VUE online or by phone at (800) 274-4959 at least 24 hours ahead, and walk-in exams are not available.

The Personal Lines producer exam is PSI series 12-86, and the exam fee is $59. Passing it qualifies you for the Personal Lines line of authority, which covers home and auto coverage sold to individuals. You register online through PSI or by phone at (855) 340-3713. Tests run at PSI test centers in Concord, Keene, Nashua, Newington, and Portsmouth, and remote proctoring is available for this exam. After passing, apply for your license online through the National Insurance Producer Registry (NIPR).

The Personal Lines exam is the North Dakota licensing exam for property and casualty coverage sold to individuals and families for noncommercial purposes. PSI administers it for $58 as a computer test with 150 minutes allowed, and you need a 70% passing score to pass. You schedule online at PSI's ND insurance page or by phone, and you can test at centers in Bismarck, Minot, Grand Forks, Fargo, or Williston, or by remote proctoring.

The Personal Lines Producer exam is the Rhode Island licensing test for personal, non-commercial insurance. It has a general section on national content (1 hour 30 minutes) and a state section on Rhode Island law (45 minutes), and the passing score is a scaled 70. You reserve at pearsonvue.com or by calling (800) 274-3739 at least 24 hours ahead and pay the $80 fee at reservation; exams are given only at physical test centers.

The personal lines exam is the written licensing exam for the personal lines line of authority, which covers property and casualty insurance sold to individuals and families for primarily noncommercial purposes. It also tests producer duties and South Dakota insurance laws and rules. The Division of Insurance contracts with Pearson VUE to administer exams, and the Division's fee table lists $25 to schedule as a resident.

The personal lines exam is Prometric Series 14-39, Vermont's licensing exam for the Personal Lines line of authority, and it costs $52. You can register online at Prometric's Vermont insurance page or by phone at 800-868-6113, then take the exam at any Prometric test center in the U.S. or by remote proctoring. Vermont requires no prelicensing education hours, so you can move straight from studying the published content outline to scheduling the exam.

The Wisconsin Personal Lines exam (series 22-09) is the state licensing test for agents who will sell only personal auto and homeowners insurance. Complete 20 hours of prelicensing education with an approved provider and get fingerprinted through Fieldprint first. Then schedule the $75 exam with PSI online or by phone at 888-818-5805; you need 70% correct to pass, and scores are valid for 180 days. Property and casualty licensees do not need Personal Lines, because that authority is included in those major lines.

The personal lines exam is part of the Wyoming Insurance Licensing Exam, administered by Pearson VUE, and you schedule it through the testing vendor. After passing, you apply online through Sircon and submit fingerprints. Note that the personal lines line of authority is not needed if you already hold the property and casualty lines of authority.