Personal Lines Insurance Producer License (OR)

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

TL;DR

Personal Lines Insurance Producer License (OR): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 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 PSI Oregon Personal Lines Exam Content Outline (56%) and ORS (44%) of this exam's citations.

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3

full papers, no repeats

28

questions per paper

28

questions in the bank

What this exam covers

Dwelling Policy Concepts7%
Federal Laws and Regulations4%
General Insurance Concepts4%
Homeowners Policy Concepts14%
License Maintenance4%
Licensing Requirements7%
Other Types of Personal Insurance11%
P&C Insurance Basics14%
Personal Automobile Policy — Oregon Law21%
Pre-Licensing Education4%
Producer Regulation & Trade Practices11%

5 real sample questions

Which of the following best describes the scope of Oregon's personal lines line of authority under ORS 744.053?

A. It authorizes the sale of property and casualty insurance products marketed to individuals and families for primarily noncommercial purposes, such as personal auto and homeowners coverage

B. It authorizes the sale of any commercial property and casualty coverage to businesses

C. It authorizes the sale of individual life insurance policies exclusively

D. It authorizes the sale of workers' compensation policies to employers

Source: ORS 744.053

For authority to transact personal lines insurance in Oregon, an applicant must complete prelicense training in which of the following?

A. 40 hours covering commercial underwriting principles only

B. 20 hours covering basic principles of personal lines insurance, the duties and responsibilities of an insurance producer, and Oregon-related insurance laws

C. No prelicense training is required for the personal lines line of authority

D. 10 hours covering only Oregon traffic law

Source: Division of Financial Regulation: Producer licensing

How does a personal lines license differ practically from a full property and casualty producer license in Oregon?

A. There is no practical difference; the exams and scope are identical

B. Personal lines authority permits selling commercial general liability but not personal auto insurance

C. Personal lines authority is narrower, focusing on noncommercial individual/family P&C products, has a shorter prelicensing curriculum, and its exam (Series 12-14) omits commercial lines content tested on the full P&C exam (Series 12-04)

D. Personal lines authority requires more prelicensing hours than the full property and casualty license

Source: PSI Oregon Personal Lines Exam Content Outline, Series 12-14

Which of the following would most likely constitute unfair discrimination under ORS 746.015 in a personal lines context?

A. Charging different auto insurance premiums based on legitimate, actuarially justified rating factors such as driving record

B. Underwriting based on the insured's claims history related to the property being insured

C. Applying a standard deductible uniformly across similarly situated policyholders

D. Refusing to issue or renew a homeowners policy based on a protected characteristic unrelated to actual risk of loss

Source: ORS 746.015

An Oregon personal lines producer offers to pay a client's homeowners policy deductible out of pocket as an incentive to bind the policy through the producer's agency. This practice most directly violates which statute?

A. ORS 746.045, prohibiting rebating

B. ORS 742.043, governing binders

C. ORS 806.070, setting minimum auto liability limits

D. ORS 743A.090, regarding dependent coverage

Source: ORS 746.045

Same exam, other states

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

Real-world data for this exam

Insurance Sales Agents: real median wage (OR)May 2025$61,680/yr

Frequently asked questions

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

28 questions total, split into 3 full papers of 28 each with no repeats across papers.

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

11 domains, with the heaviest weight on Personal Automobile Policy — Oregon Law (21%), Homeowners Policy Concepts (14%), and P&C Insurance Basics (14%).

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

Primarily PSI Oregon Personal Lines Exam Content Outline (56%) and ORS (44%) 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 (OR)?

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