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。

快速答案

获得加州个人险经纪代理人执照：完成 32 小时预许可教育（20 小时个人险 + 12 小时职业道德），在 insurance.ca.gov 向 CDI 申请（$229），完成 Live Scan 指纹采集，通过 PSI 在 psiexams.com 预约约 100 道题、约 2.5 小时的考试（$54，60% 通过），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

FormatMultiple choice, computer-based at PSI testing centers
ScopePersonal auto + residential property only (no commercial)
Questions~100
Time~2.5 hours
Passing score60%
License validity2 years (24 hours CE per renewal, 3 ethics)
Application fee$229 to CDI
Exam fee$54 to PSI per attempt
Languages (AB 451)English, Spanish, Vietnamese, Chinese (Mandarin), Korean

分步流程

1

完成预许可教育

20 小时个人险 + 12 小时职业道德（共 32 小时，相比完整 P&C 执照的 52 小时少）。CDI 认可的在线或现场课程。

32 hours total (20 Personal Lines + 12 ethics)
2

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。

insurance.ca.gov · $229 · Live Scan required
3

通过 PSI 预约考试

在 psiexams.com 预约。每次尝试 $54。约 100 道选择题，约 2.5 小时。计算机考试。

psiexams.com · ~$54 · 100 questions · 2.5 hours
4

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。

60% to pass · immediate results
5

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。

License inactive until insurer appointment

联系方式与资源

CDI Producer Licensinginsurance.ca.gov · (800) 967-9331
PSI Exam schedulingpsiexams.com · (855) 579-4632
CDI License Lookupcdi.ca.gov/licensing
AB 451 Multilingual Resourcesinsurance.ca.gov
IIABCal (CA agents association)iiabcal.org
PIA of Californiapiaca.org

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 requires fewer pre-licensing hours and a shorter exam.

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?+

20 hours Personal Lines content + 12 hours ethics = 32 hours total (vs. 52 hours for the full P&C license).

How long is the exam?+

About 100 multiple-choice questions over ~2.5 hours, with a 60% passing score.

Is the California Personal Lines exam available in Spanish, Chinese, or Vietnamese?+

Yes. AB 451 (2018) legally requires CDI to offer producer license exams in English, Spanish, Vietnamese, Chinese (Mandarin), and Korean.

Can I upgrade from Personal Lines to the full P&C license later?+

Yes. You can take additional pre-licensing hours for the commercial Property and Casualty content, then sit for the full P&C exam. Many agents start with Personal Lines and upgrade as their book grows.

Last updated: May 2026