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North Carolina Personal Lines license exam prep

North Carolina Personal Lines Insurance Practice Test 2026

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

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What the North Carolina exam tests

General Insurance Principles, plus North Carolina's own insurance law.

North Carolina requirement to pass

80 scored questions. The time limit and passing score are set by North Carolina; check the candidate handbook.

Last verified September 2026 · Insurance Content Outlines

North Carolina

Personal Lines

Questions on the real exam
80 scored questions
Who runs the exam
Pearson VUE, an independent testing company
Exam fee
$45 listed (the exact fee depends on the exam you take)
State license fee
$50 listed (it depends on the license type), paid to the North Carolina Department of Insurance
Pre-licensing education
Property & Casualty: not required

From North Carolina's published exam materials.

Study by topic

Master each topic before your North Carolina exam. First 1 topics are free to start.

PersonalizedStudy your weak spots first PRO
North Carolina insurance lawPRO96 questionsPractice run: State Personal Lines Regulations20 questions free, 25 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?

Your Personal Lines readiness, before you book.

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

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the North Carolina 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.

Frequently asked questions

North Carolina's published content outline lists 80 scored questions. Exams also include a few unscored pretest questions.

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

North Carolina uses Pearson VUE, 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 $45, paid when you register; the exact amount depends on which exam you take. The North Carolina Department of Insurance lists $50 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 North Carolina Department of Insurance before you register, because requirements change.

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

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

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

More North Carolina practice tests

North Carolina Life & Health practice testNorth Carolina Property & Casualty practice test

Personal Lines practice tests in other states

CaliforniaTexasFloridaNew YorkPennsylvaniaIllinoisOhioGeorgiaMichiganNew JerseyVirginiaWashington
See all Personal Lines states →