Colorado Personal Lines Insurance Practice Test 2026

About the Colorado Personal Lines exam

Personal Lines is a narrower license for selling coverage to individuals and families: personal auto, homeowners and umbrella liability. Not every state offers it as a separate exam, so the states below are the ones we cover.

What is on the Colorado Personal Lines test

Colorado's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.

Source: COLORADO Insurance Content Outlines, 'Content Outlines: Effective January 1, 2024' (Pearson VUE #120606 | 10/2024); the running head on every page reads 'COLORADO Insurance - Examination Content Outlines Effective Date: January 1, 2024'. Counts recorded here are the scored figures each outline prints for itself: Property/Casualty general knowledge 50 scored plus 5 pretest; Property Colorado Specific 25 scoreable plus 5 pretest; Casualty Colorado Specific 31 scoreable plus 5 pretest; Personal Lines general knowledge 75 scored plus 5 pretest; Personal Lines Colorado Specific '29 questions plus 4 pretest questions' (the outline writes 'questions', not 'scoreable questions', there); Public Adjuster 60 scoreable; Crop Hail 35 scoreable. The COLORADO PUBLIC ADJUSTER outline publishes NO per-area weighting at all, so its areas carry null weights rather than invented ones. (Colorado Insurance Content Outlines). Confirm current weights with the testing company before you book.

Colorado official sources

• Insurance Code General Provisions Applicable to All InsurersC.R.S. Title 10, Article 1, Parts 1-3 · leg.colorado.gov
• Property and Casualty InsuranceC.R.S. Title 10, Article 4, Parts 1 to 6 (10-4-101 through 10-4-643): general, fire and inland marine rating, surety bonds, rate regulation, the Colorado Insurance Guaranty Association Act, and automobile insurance policy regulation · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)
• Property and Casualty InsuranceC.R.S. Title 10, Article 4, Parts 7 to 19 (10-4-701 through 10-4-1909): the repealed no-fault part, medical malpractice, arson reporting, joint underwriting associations, producer-controlled insurers, exempt commercial policyholders, portable electronics, service contracts, self-storage, the Colorado FAIR plan and travel insurance · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)
• Insurance Producer Licensing, Appointment, Continuing Education and DisciplineC.R.S. Title 10, Article 2 (Licenses), Parts 1-11 · leg.colorado.gov
• 3 CCR 702-5 - Colorado Division of Insurance Regulations, PROPERTY AND CASUALTY (the whole series: Regulations 5-1-1 onward and the 5-2 automobile series)Colorado Secretary of State, Code of Colorado Regulations (sos.state.co.us/CCR)
• Regulation of Insurance CompaniesC.R.S. Title 10, Article 3, Parts 9 to 14 (10-3-901 through 10-3-1412): unauthorized insurance, the unauthorized insurers process act, unfair competition and deceptive practices, securities, the model quality replacement parts act and the model risk retention act · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)
• Motor Vehicle Financial Responsibility LawC.R.S. Title 42, Article 7 (42-7-101 through 42-7-609) · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)
• Regulation of Insurance CompaniesC.R.S. Title 10, Article 3, Parts 1 and 2 (10-3-101 to the end of Part 2: formation, powers, capital, surplus, fees, financial statements, premium tax, investments) · Colorado General Assembly, Office of Legislative Legal Services (leg.colorado.gov)

All Colorado insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Colorado provisions the questions on this page cite most often.

• C.R.S. § 10-4-110.85 questions
• C.R.S. § 10-3-1104 · Rebates: any inducement not specified in the contract4 questions
• C.R.S. § 10-2-401 · License required: when a license is deemed used to write controlled business2 questions
• C.R.S. § 10-4-110.72 questions
• C.R.S. § 10-4-116 · Use of credit information: adverse action for having no credit card account2 questions
• C.R.S. § 40-10.1-6042 questions
• 3 CCR 702-5, Regulation 5-1-14, Section 4.A.1.a1 question
• 3 CCR 702-5, Regulation 5-1-23, Section 5.A.1 and 5.A.1.a · Streamlined inventory process: payment of contents coverage on a total loss1 question

Exam figures on this page were checked against official pages: License fee. Confirm anything you rely on with the testing company and the Colorado Department of Insurance.