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Free New Mexico Personal Lines Practice Exam Online

Official exam: Personal Lines Insurance Producer License (NM)

Take a free New Mexico Personal Lines practice exam online: a full 130-question paper with every answer explained, no sign-up, scored by topic. The full 130-question bank and the timed simulator are $14.99 for 30 days.

First published: September 4, 2026Bank updated: September 4, 2026Published by CertQuestUSA · review process
TL;DR

Personal Lines Insurance Producer License (NM): a 130-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 130 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily NMSA (93%) and 18 U.S.C. (7%) of this exam's citations.

Take a full practice test free. 130 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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Want the whole bank for Personal Lines Insurance Producer License (NM)? One payment of $14.99 gives you 30 days of full access to this exam. It does not renew. No account needed to buy, and there is a 7-day money-back guarantee.
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3
full papers, no repeats
130
questions per paper
130
questions in the bank
What this exam covers
5 real sample questions
Before soliciting personal lines insurance in New Mexico, an individual must first obtain what from the Office of Superintendent of Insurance (OSI)?
A. A surety bond filed with the county clerk
B. A producer license issued under the licensing process set out in the Insurance Code
C. Written approval from each insurer the person intends to represent
D. A federal insurance broker registration
Show answer and reasoning

Correct answer: B. A producer license issued under the licensing process set out in the Insurance Code

Correct. NMSA 59A-11-2 and 59A-11-3 require a person to hold a producer license issued through OSI's licensing process, per 59A-12-12, before acting as a producer.

  • A: A county-filed bond is not New Mexico's producer licensing mechanism.
  • C: Insurer appointment (59A-11-12) is separate from, and follows, obtaining a license, not a substitute for it.
  • D: New Mexico insurance producer licensing is state-administered by OSI, not a federal registration.
Source: NMSA 1978 § 59A-12-12; § 59A-11-2, -3
Under NMSA 59A-11-6(E), how many unsuccessful attempts is a candidate allowed on a New Mexico licensing examination for a line of authority before being placed into a waiting period?
A. Two attempts
B. Three attempts
C. Four attempts
D. Unlimited attempts
Show answer and reasoning

Correct answer: C. Four attempts

Correct. NMSA 59A-11-6(E) allows a candidate up to four attempts to pass the examination for a line of authority; after a fourth unsuccessful attempt the candidate is placed into a six-month waiting period.

  • A: Two understates the statutory allowance under 59A-11-6(E).
  • B: Three understates the statutory allowance under 59A-11-6(E).
  • D: The statute imposes a defined attempt limit, not an unlimited number of retakes.
Source: NMSA 1978 § 59A-11-6(E)
What examination fee does PSI charge a candidate to sit for a New Mexico insurance licensing examination, per the current PSI Candidate Information Bulletin?
A. $45
B. $60
C. $75
D. $100
Show answer and reasoning

Correct answer: C. $75

Correct. The PSI Candidate Information Bulletin for New Mexico lists a $75 examination fee, which is nonrefundable and nontransferable, valid for one year from payment.

  • A: This understates the fee stated in the current PSI candidate bulletin.
  • B: This understates the fee stated in the current PSI candidate bulletin.
  • D: This overstates the fee stated in the current PSI candidate bulletin.
Source: PSI New Mexico Personal Lines Insurance Candidate Bulletin, Series 18-38 (effective thru 6/30/2026); Examination Scheduling Procedures
What score must a candidate achieve to pass the New Mexico Personal Lines Insurance Producer examination (Series 18-38)?
A. 60% correct
B. 65% correct
C. 70% correct
D. 75% correct
Show answer and reasoning

Correct answer: C. 70% correct

Correct. The PSI Candidate Information Bulletin states a candidate must score 70% correct to pass the New Mexico Personal Lines Insurance examination.

  • A: This is below the passing threshold stated in the PSI bulletin.
  • B: This is below the passing threshold stated in the PSI bulletin.
  • D: This overstates the passing threshold stated in the PSI bulletin.
Source: PSI New Mexico Personal Lines Insurance Candidate Bulletin, Series 18-38 (effective thru 6/30/2026); Score Reporting
A producer who is licensed and resident in another state and wants to solicit personal lines insurance in New Mexico without becoming a resident must apply for what type of New Mexico license, governed by NMSA 59A-12-25?
A. A temporary license
B. A nonresident license
C. A limited-lines license only
D. A reciprocal exemption requiring no New Mexico license
Show answer and reasoning

Correct answer: B. A nonresident license

Correct. NMSA 59A-12-25 governs nonresident producer licensure, allowing a producer resident and licensed in another state to become licensed to transact business in New Mexico.

  • A: Temporary licenses (59A-11-4) address a different, short-duration circumstance, not standard out-of-state resident producers.
  • C: A limited-lines license restricts authority to specific narrow products; it is not what a nonresident personal lines producer applies for.
  • D: New Mexico still requires nonresident producers to hold a New Mexico nonresident license; there is no blanket exemption.
Source: NMSA 1978 § 59A-12-25
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wageMay 2025$62,280/yr

Frequently asked questions

Where can I take a free New Mexico Personal Lines practice exam online?
Right here. CertQuestUSA's free New Mexico Personal Lines practice exam online is a full 130-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 130-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Personal Lines Insurance Producer License (NM) practice test?
130 questions total, split into 3 full papers of 130 each with no repeats across papers.
What topics does the Personal Lines Insurance Producer License (NM) test cover?
8 domains, with the heaviest weight on Property and Casualty Insurance Basics (26%), Homeowners Policy Concepts (19%), and General Insurance Concepts (14%).
Where do CertQuestUSA's Personal Lines Insurance Producer License (NM) questions come from?
Primarily NMSA (93%) and 18 U.S.C. (7%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Personal Lines Insurance Producer License (NM) practice test?
Yes -- one full 130-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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