California Personal Lines Broker-Agent Licence Examination — 90 questions · 135 minutes · Passing score: 60%. PrepPass also publishes a complete study guide for this exam as a downloadable book (70 pages, 55 practice questions inside, $19.99).
Exam inside two weeks?
A printable colour cheat sheet for the exam: the format, the content areas and the figures it turns on, each checked against a named source and dated.
California Personal Lines Insurance Producer cheat sheet PDF — $9.99 →
4 pages · US Letter · printable PDF · yours to keep
Test what you know · free, all of it
The same 474 questions, dealt five ways. Pick the one that fits the time you have.
Learn what the questions test
Practice finds the gaps. Reading closes them. The eight chapters below are free to read online. The study guide book is a separate download, sold on its own page.
Before you sit
See the questions first
Real items, with the answer marked and the reason written out — the same format as all 474.
Which homeowners form is the most commonly written policy for an owner-occupied single-family dwelling in California?
Why: HO-3 is the standard owner-occupied form. It insures the dwelling and other structures on an open-perils basis and covers personal property on a named-perils basis, giving most homeowners the right balance of price and coverage.ISO HO-3 form
What are California's compulsory minimum personal auto liability split limits?
Why: Effective January 1, 2025, SB 1107 (the Protect California Drivers Act) set California's compulsory minimum personal auto liability split limits at 30/60/15 — $30,000 per person bodily injury, $60,000 per accident bodily injury, and $15,000 per accident property damage — amending Vehicle Code §16056 and replacing the 15/30/5 limits used from 1967 to 2024. These are floor amounts only; carriers and producers may write higher limits and typically recommend doing so.Cal. Veh. Code §16056; Cal. Ins. Code §11580.1(b)
The exam itself
| Questions | 90 questionsCDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that. |
|---|---|
| Time | 135 minutesUnreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 gives 135 minutes, while CDI's own Examination Times table gives 2 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked. |
| Sections | California Insurance Code & Ethics · Homeowners Policy (HO) · Personal Auto Policy · Property Insurance Fundamentals · Dwelling Policy (DP) · Endorsements & Optional Coverages · General Insurance Principles · California-Specific Rules · Policy Structure & Provisions |
| Passing score | 60%CDI: all producer license examinations require a 60 percent score to pass (adjuster and bail examinations require 70 percent). No sectional or per-subject cut score is published — the March 2026 Candidate Information Bulletin was searched in full and contains none. A failing candidate receives a per-topic diagnostic, which is a diagnostic, not a cut score. |
| Our bank | 474 questions · updated August 2026Written from California Department of Insurance (CDI) |
| Languages | English · 中文, Español, Tiếng Việt (158 of 474 questions translated) |
| Source | California Department of Insurance (CDI)Verified 2026-09-03 |
Insurance License Exams
Questions
All 474 questions, the timed mock and the report are free with no sign-up. A free account only adds saving your progress. The study guide book is sold separately, $19.99 one-time; nothing in the practice requires it.
No. Ours is 100 questions in 150 minutes; the real exam is 90 questions in 135 minutes. Use the mock for stamina and section timing, not as a score predictor.
60% — as published by California Department of Insurance (CDI). Confirm the current rule with them before your exam date.
The one for the license line you are applying for, in the state that will issue the license. California tests each producer line with its own examination, and PrepPass has a free practice test for each: California Life, Accident and Health (or Sickness) Agent Licence Examination — 150 questions · 195 minutes · Passing score: 60%. California Property and Casualty Broker-Agent Licence Examination (combined) — 150 questions · 195 minutes · Passing score: 60%. California Personal Lines Broker-Agent Licence Examination — 90 questions · 135 minutes · Passing score: 60%. For other states, Insurance License Exams lists 151 insurance exams with free practice.
California Department of Insurance (CDI), Producer Licensing Bureau — exam delivered by PSI Services LLC. CDI confirms PSI as the current examination vendor on its own scheduling page.
90 questions. CDI and PSI publish no per-exam count of unscored items — only the rule that “a small number of one to ten experimental items, generally, approximately 10% of the number of questions” may be added, unscored, and that they count against examination time. Do not compute a per-exam figure from that.
135 minutes. Unreconciled conflict between two official sources: the Candidate Information Bulletin revised March 2026 gives 135 minutes, while CDI's own Examination Times table gives 2 hours. The bulletin figure is shown because it is the document CDI hands candidates; both are linked.
$188 — Licence filing fee (California Department of Insurance, one-time); $55 — Examination fee, per examination (California Department of Insurance, per attempt); $43 — Convenience fee to test at a PSI location (PSI Services LLC, per attempt); $74 — Live Scan fingerprinting (FBI, DOJ and Capital Live Scan components combined) (Capital Live Scan / FBI / California DOJ, one-time). The renewal fee equals the filing fee; a late renewal is charged at a higher rate. The Live Scan total is the sum of three separately published components, and the Capital Live Scan vendor is new — the Candidate Information Bulletin carries a front-page alert about the change.
English · Spanish · Simplified Chinese · Vietnamese · Korean · Tagalog. Offered under AB 451 (Chapter 136, Statutes of 2023), which required CDI to offer license examinations in Spanish, Simplified Chinese, Vietnamese and Korean from 1 January 2024; § 1677 adds Tagalog from 1 July 2024, making six. CDI's own Examination Times table is stale on this point and still lists only Spanish variants.
Yes. Personal Lines Insurance Producer — Complete Study Guide (2026) downloads as PDF + EPUB (70 pages, 55 practice questions inside), $19.99 one-time, and the files are yours to keep. The 474 practice questions on this page stay free without it. See the study guide →