Personal Lines Insurance Producer License (IA)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Personal Lines Insurance Producer License (IA): a 26-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 26 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily Iowa Code ch. (80%) and Iowa Admin. Code 191—Ch. (20%) of this exam's citations.

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3

full papers, no repeats

26

questions per paper

26

questions in the bank

What this exam covers

auto-coverage-basics23%
auto-liability-minimums4%
auto-underwriting4%
homeowners-forms12%
homeowners-perils-exclusions12%
homeowners-underwriting8%
iowa-appointment4%
iowa-cancellation-nonrenewal4%
iowa-ce-requirements8%
iowa-ethics4%
iowa-exam-logistics4%
iowa-licensing-basics4%
iowa-licensing-scope4%
unfair-trade-practices4%
uninsured-underinsured-motorist4%

5 real sample questions

An Iowa producer holds a personal lines authority only, rather than a full property and casualty authority. What does this generally mean about the scope of business the producer may transact?

A. The producer may write both personal and commercial property/casualty risks without limitation

B. The producer is limited to personal, non-commercial risks such as personal auto and homeowners insurance, and generally must complete additional examination requirements to add commercial lines authority

C. Personal lines authority automatically includes commercial general liability coverage

D. Personal lines authority is identical in scope to a full property and casualty license

Source: Iowa Admin. Code 191—Ch. 10 (Insurance Producers)

An Iowa personal lines producer candidate sits for the licensing exam, which is divided into a general section and a state law section. What passing standard applies?

A. A combined average of 70% across both sections

B. At least 70% on each of the two sections independently, since the scores are not averaged together

C. 60% on the general section only, with the state section unscored

D. There is no numeric passing score; the exam is pass/fail based on completion alone

Source: Iowa Insurance Division Producer Licensing Examination Content Outline

Does Iowa require completion of a fixed number of pre-licensing education hours before a personal lines producer candidate may sit for the state exam?

A. Yes, 40 hours are mandated by statute

B. No, Iowa does not impose a mandatory pre-licensing education hour requirement, though candidates may choose to complete voluntary exam prep coursework

C. Yes, but only for candidates over age 40

D. Yes, 20 hours are mandated, but only for renewal, not initial licensing

Source: Iowa Code ch. 522B

Under Iowa's motor vehicle financial responsibility law, what are the minimum liability coverage limits an Iowa auto policy must generally provide?

A. $25,000/$50,000/$25,000

B. $50,000/$100,000/$50,000

C. $20,000/$40,000/$15,000 for bodily injury per person, bodily injury per accident, and property damage, respectively

D. There is no minimum liability limit specified in Iowa law

Source: Iowa Code § 321A.21

Under Iowa Code § 516A.1, how must uninsured and underinsured motorist (UM/UIM) coverage be handled on a new Iowa auto liability policy?

A. UM/UIM coverage is entirely optional and is never included unless the applicant specifically requests it in writing

B. UM/UIM coverage must be included in the policy unless the named insured rejects it (in whole or in part) in a signed written rejection

C. UM/UIM coverage is mandatory and cannot be rejected under any circumstances

D. UM/UIM coverage applies automatically only to passengers, never to the named insured

Source: Iowa Code § 516A.1

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (IA)May 2025$60,140/yr

Frequently asked questions

How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (IA) practice test?

26 questions total, split into 3 full papers of 26 each with no repeats across papers.

What topics does the Personal Lines Insurance Producer License (IA) test cover?

15 domains, with the heaviest weight on auto-coverage-basics (23%), homeowners-forms (12%), and homeowners-perils-exclusions (12%).

Where do CertQuestUSA's Personal Lines Insurance Producer License (IA) questions come from?

Primarily Iowa Code ch. (80%) and Iowa Admin. Code 191—Ch. (20%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Personal Lines Insurance Producer License (IA)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.