New Mexico Personal Lines license exam prep

New Mexico Personal Lines Insurance Practice Test 2026

Practice the exam New Mexico uses, from general personal lines knowledge to New Mexico's own insurance law. Every answer quotes the statute behind it.

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What the New Mexico exam tests

General Insurance Principles, plus New Mexico's own insurance law.

New Mexico requirement to pass

100 scored questions. The time limit and passing score are set by New Mexico; check the candidate handbook.

Last verified September 2026 · Personal Lines Insurance

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Master each topic before your New Mexico exam. First 1 topics are free to start.

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New Mexico insurance lawPRO27 questions Practice run: State Personal Lines Regulations20 questions free, 27 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Personal Lines test today?

Personal Lines Exam SimulatorPROA timed, full-length practice exam with no feedback until you finish, so it feels like test day.

Quick QuizPROA short set drawn from the questions you miss most, reshuffled every time.

Readiness analysisPROYour strengths, weak spots, and estimated pass probability across the bank.

Your Personal Lines readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the New Mexico 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 it covers

Homeowners and residential property coverage
Personal auto and umbrella liability
Cancellation, nonrenewal and notice rules
Your state's personal lines regulations

Who takes it

Agents who sell only to individuals and households, such as captive agents at personal lines carriers.

What is on the New Mexico Personal Lines test

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

Combined100 scored questions

Insurance Regulation10 Qs
Federal Laws and Regulations2 Qs
General Insurance Concepts14 Qs
Property and Casualty Insurance Basics26 Qs
Dwelling Policy Concepts9 Qs
Homeowners Policy Concepts19 Qs
Personal Automobile Policy13 Qs
Other Types of Personal Insurance7 Qs

Source: PSI New Mexico examination content outlines, the set the New Mexico Candidate Information Bulletin dated 6/4/2026 lists as "Effective 7/1/2026" -- in force today (2026-09-17). Each outline PDF prints NO revision or effective date of its own; its three-line header (title / Series / items and time) is its only self-identification, so that header is quoted per section and the effective label comes from the bulletin that links it. The superseded "Effective thru 6/30/2026" set still returns HTTP 200 at guessable neighbouring paths (.../NMINS/1828.pdf beside .../NMINS/18-28nm.pdf) and was fetched and compared: the edition was read out of the documents (PDF CreationDate 2026-06-04 vs 2024-09-25, and the older set prints "- 70% correct to pass" in its header while this one does not), never inferred from the URL. Every area is weighted by the publisher BOTH as a percentage and as an item count; both are recorded, the percentages sum to 100 and the item counts sum to the exam's declared item total. The bulletin's EXPERIMENTAL ITEMS section states that 5 to 10 unscored items are administered IN ADDITION to the number in the content outlines, so those counts are the scored counts. Sub-topic codes are positional: the outlines carry no printed labels and nest by indentation alone. Statutory and regulatory citations printed in trailing parentheses are recorded in statutoryRefs rather than left in the title, following taxonomy/life-health/nm.json. New Mexico administers Personal Lines as a single exam, Personal Lines Insurance Producer (18-38), mixing general concepts and New Mexico law, so it is recorded as one 'combined' section. (New Mexico Personal Lines Insurance - Examination Content Outline (Series 18-38)). Confirm current weights with the testing company before you book.

Frequently asked questions

New Mexico's published content outline lists 100 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by New Mexico. Most states use 70%, but check the New Mexico candidate handbook from the testing vendor for the exact figure.

New Mexico uses PSI, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $75, paid when you register; the exact amount depends on which exam you take. The New Mexico Department of Insurance lists $30 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Property & Casualty: not required. Confirm the current rule with the New Mexico Department of Insurance before you register, because requirements change.

Retake rules come from New Mexico and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the New Mexico candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the New Mexico Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general personal lines knowledge with New Mexico insurance law.

More New Mexico practice tests

New Mexico Life & Health practice test New Mexico Property & Casualty practice test

Personal Lines practice tests in other states

California Texas Florida New York Pennsylvania Illinois Ohio Georgia North Carolina Michigan New Jersey Virginia

See all Personal Lines states →