Ohio Personal Lines license exam prep

Ohio Personal Lines Insurance Practice Test 2026

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

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What the Ohio exam tests

General Insurance Principles, plus Ohio's own insurance law.

Ohio requirement to pass

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

Last verified September 2026 · Insurance License Examination Candidate Information Bulletin

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Ohio insurance lawPRO53 questions Practice run: State Personal Lines Regulations20 questions free, 25 with Pro · mixed topicsStart run

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

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

About the Ohio 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 Ohio Personal Lines test

Ohio'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%
General Insurance10%
Property and Casualty Insurance Basics17%
Dwelling ('14) Policy10%
Homeowners ('11) Policy23%
Auto Insurance23%
Other Coverages and Options7%

Source: PSI Insurance License Examination Candidate Information Bulletin for Ohio (PSI file "OH INS19"). THE BULLETIN PRINTS NO REVISION OR EFFECTIVE DATE; the only date available is the PDF metadata CreationDate, 2019-05-28, which is metadata and not the publisher's own note. Minimum passing score 70%. SCORED QUESTIONS are the outline's own "N questions" header: the bulletin's NON-SCORED QUESTIONS section says "Your examination contains non-scored questions... These questions will NOT be scored and time to answer them has been added to the time allowed", so the printed count is the scored count and pretest items are additional. WEIGHTS are the publisher's own area percentages and sum to exactly 100 in every section. CODES: PSI labels areas ("1.0 Insurance Regulation 10%") and sub-topics ("1.1 Licensing"); the items beneath a sub-topic are unnumbered indented lines that lose their indentation in extraction, so item codes are derived positionally (1.1.1, 1.1.2, ...), exactly as taxonomy/life-health/oh.json already does for Series 11-35. Statutory references are the publisher's own inline parentheses, split out into statutoryRefs; where PSI's own parentheses are unbalanced (e.g. "Employment covered (required, voluntary) (4123.01, .28, .54))") the reference is left inline in the title rather than guessed at. Ohio sells Personal Lines as a single exam, Series 11-43, 100 questions, 2 hours; one section is recorded. Note the publisher's own heading is "OHIO PERSONAL LINE INSURANCE AGENT" — "LINE" singular — while its licence table and registration form both write "Personal Lines"; the heading is quoted as printed. Seven areas, percentages 10+10+17+10+23+23+7 = 100. (Ohio Insurance License Examination Candidate Information Bulletin). Confirm current weights with the testing company before you book.

Ohio official sources

Unfair and deceptive acts or practices in the business of insuranceOhio Rev. Code § 3901.21, complete section · Ohio Legislative Service Commission (codes.ohio.gov)
Superintendent of InsuranceOhio Revised Code Chapter 3901, complete chapter, all 151 sections 3901.01 through 3901.99 · Ohio Legislative Service Commission (codes.ohio.gov)
Insurance Producers Licensing ActOhio Revised Code Chapter 3905, complete chapter, all 123 sections 3905.01 through 3905.99 · Ohio Legislative Service Commission (codes.ohio.gov)
Domestic and Foreign Insurance Companies Other Than Life, including fire insurance, cancellation and nonrenewal, the FAIR plan, mine subsidence and the fire-loss demolition fundOhio Revised Code Chapter 3929, complete chapter, all 77 sections 3929.01 through 3929.87 · Ohio Legislative Service Commission (codes.ohio.gov)
Rebates and Special AdvantagesOhio Revised Code Chapter 3933, complete chapter, all 6 sections 3933.01 through 3933.99 · Ohio Legislative Service Commission (codes.ohio.gov)
Casualty Insurance; Motor Vehicle InsuranceOhio Revised Code Chapter 3937, complete chapter, all 50 sections 3937.01 through 3937.99 · Ohio Legislative Service Commission (codes.ohio.gov)
Insurance Guaranty AssociationOhio Revised Code Chapter 3955, complete chapter, all 19 sections 3955.01 through 3955.19 · Ohio Legislative Service Commission (codes.ohio.gov)
Crimes Relating to InsuranceOhio Revised Code Chapter 3999, complete chapter, all 25 sections 3999.02 through 3999.99 · Ohio Legislative Service Commission (codes.ohio.gov)

All Ohio insurance laws and exam sources

Provisions these questions cite most

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

Ohio Rev. Code § 3901.21 · Unfair and deceptive acts or practices; sex or marital status4 questions
Ohio Admin. Code 3901-1-54 · Unfair property/casualty claims settlement practices; multiple coverages2 questions
Ohio Rev. Code § 3905.14 · Disciplinary actions; failing to appear for interview2 questions
Ohio Rev. Code § 3937.18 · Uninsured and underinsured motorist coverage; definition of motor vehicle2 questions
Ohio Rev. Code § 3937.31 · Automobile cancellation; nonpayment of premium defined2 questions
Ohio Rev. Code § 3937.32 · Notice of cancellation; statement of right to review2 questions
Ohio Admin. Code 3901-1-18 · Ohio fair plan plan of operation; cancellation of binder1 question
Ohio Admin. Code 3901-1-55 · Use of credit history and credit scores; credit cannot be the sole factor1 question

Exam figures on this page were checked against official pages: Testing company · Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Ohio Department of Insurance.

Frequently asked questions

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

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

Ohio 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 $49, paid when you register; the exact amount depends on which exam you take. The Ohio Department of Insurance lists $10 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Property & Casualty: required, 20 hours each for Property and Casualty. Confirm the current rule with the Ohio Department of Insurance before you register, because requirements change.

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

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

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

More Ohio practice tests

Ohio Life & Health practice test Ohio Property & Casualty practice test

Personal Lines practice tests in other states

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

See all Personal Lines states →