Rhode Island Personal Lines license exam prep

Rhode Island Personal Lines Insurance Practice Test 2026

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

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What the Rhode Island exam tests

General Insurance Principles, plus Rhode Island's own insurance law.

Rhode Island requirement to pass

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

Last verified September 2026 · Insurance Content Outlines

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Master each topic before your Rhode Island exam. First 1 topics are free to start.

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Rhode Island insurance lawPRO60 questions Practice run: State Personal Lines Regulations20 questions free, 25 with Pro · mixed topicsStart run

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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 Rhode Island 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 Rhode Island Personal Lines test

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

General knowledge75 scored questions

Types of Property Policies10 Qs
Types of Casualty Policies13 Qs
Property and Casualty Insurance Terms and Related Concepts28 Qs
Property and Casualty Policy Provisions and Contract Law24 Qs

Rhode Island law25 scored questions

Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance10 Qs
Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only5 Qs
Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only10 Qs

Source: Rhode Island Insurance Supplement Examination Content Outlines, Effective Date: May 28, 2026; Pearson VUE #124001 | 05/2026. Rhode Island sells Personal Lines Producer as exam 55, a single exam in two parts — a GENERAL KNOWLEDGE outline (75 scored + 5 pretest) and a RHODE ISLAND SPECIFIC outline (25 scored + 5 pretest) — so two sections are recorded. General knowledge weights are scored-question counts and sum exactly: 10+13+28+24 = 75. STATE-SPECIFIC WEIGHTS, read carefully: areas I and II carry ordinary dotted-leader weights (10 and 5), but area III ("RHODE ISLAND LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY") carries NO weight on its own heading line. The figure is printed one level down, in parentheses, on that area's ONLY subtopic: "A. Automobile insurance................................(10)". Area III is therefore recorded as weight 10 — the publisher's own number, not an inferred one — and 10+5+10 = 25, the declared scored total, which is the check that it was read correctly. The "(10)" is not repeated in the subtopic title. Area III of the general-knowledge outline runs its subtopics past Z as doubled letters (... X, Y, Z, AA, BB, CC — 29 in all); they are recorded as the publisher letters them. That outline also prints "V. Loss settlement provisions including consent to settle a loss" as a SUBTOPIC of area IV, not a new area V. (Rhode Island Insurance Content Outlines). Confirm current weights with the testing company before you book.

Frequently asked questions

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

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

Rhode Island 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 $80, paid when you register; the exact amount depends on which exam you take. The Rhode Island Department of Insurance lists $120 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 Rhode Island Department of Insurance before you register, because requirements change.

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

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

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

More Rhode Island practice tests

Rhode Island Life & Health practice test Rhode Island Property & Casualty practice test

Personal Lines practice tests in other states

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