加州个人险执照注册指南
如何获得加州个人险经纪代理人执照——P&C 入门级执照，仅可销售个人汽车和住宅财产保险。
获得加州个人险经纪代理人执照：完成 12 小时职业道德与加州保险法课程（截至 2026 年，AB 943 已取消个人险种的预许可学时要求），在 insurance.ca.gov 向 CDI 申请（$229），完成 Live Scan 指纹采集，通过 PSI 在 psiexams.com 预约 90 道题、135 分钟的考试（$54；CDI 不公布及格分），通过后由认可保险公司任命方可销售。该执照仅可销售个人汽车 + 住宅财产保险——无商业险。
考试事实
| 主管机构 | California Department of Insurance (CDI), Producer Licensing Bureau —— 考试由 PSI Services LLC 承办 |
|---|---|
| 题目数量 | 90 道题 |
| 考试时限 | 135 分钟 |
| 及格标准 | 60% |
| 费用 |
|
| 考试语言 | 英语 · 西班牙语 · 简体中文 · 越南语 · 韩语 · 他加禄语 |
分步流程
完成预许可教育
仅需完成 12 小时职业道德与加州保险法课程（AB 943 已自 2026 年起取消个人险种预许可学时）。CDI 认可的在线或现场课程。
向 CDI 提交申请
在 insurance.ca.gov 在线申请，支付 $229 费用，完成 Live Scan 指纹采集（约 $58）用于背景调查。
通过 PSI 预约考试
在 psiexams.com 预约。每次尝试 $54。90 道选择题，135 分钟。计算机考试。
通过考试
60% 通过分数。考试结束后立即显示成绩。失败后等待规定时间可重考。
获得保险公司任命
执照在 CDI 颁发后处于无效状态，直至已认可保险公司向 CDI 提交任命方可销售。
联系方式与资源
Frequently Asked Questions
Who needs a California Personal Lines Broker-Agent license?+
Anyone in California who sells PERSONAL auto and PERSONAL residential property insurance only (not commercial). It's the entry-level P&C license with a narrower scope.
What's the difference between Personal Lines and the full P&C Broker-Agent license?+
Personal Lines is limited to PERSONAL auto + homeowners/renters/dwelling (1-4 family residential). The full P&C license also includes commercial property, commercial auto, casualty/liability, and workers' compensation. Personal Lines has a shorter exam (both now require only the 12-hour ethics course as of 2026).
How much does the California Personal Lines license cost?+
Roughly $350-450 total: $229 CDI application fee + ~$54 PSI exam fee + ~$58 Live Scan fingerprinting + $30-80 pre-licensing course.
How many hours of pre-licensing are required?+
As of January 1, 2026, California removed the 20-hour Personal Lines prelicensing requirement (AB 943). Only the 12-hour Ethics and California Insurance Code course is still required before the license is issued.
How long is the exam?+
90 multiple-choice questions with a 60% passing score. The March 2026 candidate bulletin allows 135 minutes; CDI’s own website table says 2 hours, and the two have not been reconciled.
Is the California Personal Lines exam available in Spanish, Chinese, or Vietnamese?+
Yes. AB 451 (Stats. 2023, ch. 136) legally requires CDI to offer producer license exams in English, Spanish, Simplified Chinese, Vietnamese, Korean and Tagalog.
Can I upgrade from Personal Lines to the full P&C license later?+
Yes. As of 2026 (AB 943) no additional prelicensing hours are required — you simply add the line of authority and sit for the full P&C exam (~150 questions). Many agents start with Personal Lines and upgrade as their book grows.
Last updated: October 2026
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