Personal Lines Insurance Producer (Virginia)

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

TL;DR

Personal Lines Insurance Producer (Virginia): a 128-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 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 iii.org (41%) and iiat.org (29%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

128

questions in the bank

What this exam covers

Agent Appointment2%
Auto Insurance5%
Claims, Ethics, Producer Duties, and General Regulation8%
Continuing Education2%
Exam And Testing1%
Examination Requirements2%
Homeowners Coverage4%
Homeowners, Dwelling, Renters, and Condo Coverage23%
License Eligibility Requirements2%
License Scope And Authority2%
Personal Auto Coverage20%
Personal Insurance Contracts and Risk Basics16%
Personal Umbrella, Inland Marine, Flood, and Specialty Personal Lines12%
Producer Responsibilities1%
Unfair Claims Practices3%

5 real sample questions

Which of the following accurately describes the scope of a Virginia personal lines insurance agent license?

A. Authority to sell insurance primarily for personal, family, or household needs rather than for business or professional needs

B. Authority to sell all property and casualty insurance lines including commercial general liability and workers compensation

C. Authority to bind coverage on behalf of any insurer without prior written appointment

D. Authority to negotiate reinsurance and excess coverage on behalf of insureds

Source: § 38.2-1814

A resident of Virginia applies for a personal lines insurance agent license. What is the mandatory first step in the licensing process?

A. Pay the license application fee and provide fingerprints to the Commission

B. Pass an examination in the form and manner prescribed by the State Corporation Commission

C. Complete 16 hours of continuing education credit

D. Receive written appointment from an insurer

Source: § 38.2-1814, § 38.2-1817

An applicant for a Virginia personal lines license failed the licensing examination twice. Under Virginia law, what requirement applies before the applicant can sit for the examination a third time?

A. The applicant must resubmit the application and pay a new application fee

B. The applicant must work as an unlicensed sales associate under a licensed agent for 90 days

C. A 30-day waiting period is mandatory before a third examination attempt

D. The applicant must complete additional continuing education hours as remediation

Source: § 38.2-1817

A Virginia personal lines agent has completed 13 hours of continuing education in the current biennial period, including 2 hours on insurance ethics. What additional continuing education is required to remain in compliance?

A. 3 more hours total, with no additional ethics hour requirement since 2 hours have been completed

B. 4 more hours total, with at least 3 additional hours in insurance ethics

C. 6 more hours total, and all 6 must be in ethics or insurance law

D. 3 more hours total, with at least 1 additional hour in insurance ethics

Source: § 38.2-1866

In calculating the maximum percentage of continuing education credits that can come from insurance company-provided courses, which of the following is correct for a Virginia personal lines agent?

A. No more than 75 percent of the required 16 hours may be from courses provided by insurance companies or agencies

B. No more than 50 percent of the required 16 hours may be from courses provided by insurance companies or agencies

C. No more than 60 percent of the required 16 hours may be from courses provided by insurance companies or agencies

D. All 16 hours must be from approved independent providers; insurance company courses are not acceptable

Source: § 38.2-1866

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 OR PA SC TN TX UT WA WI WV

Real-world data for this exam

Insurance Sales Agents: real median wage (VA)May 2025$60,520/yr

Frequently asked questions

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

128 questions total, split into 3 full papers of 50 each with no repeats across papers.

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

15 domains, with the heaviest weight on Homeowners, Dwelling, Renters, and Condo Coverage (23%), Personal Auto Coverage (20%), and Personal Insurance Contracts and Risk Basics (16%).

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

Primarily iii.org (41%) and iiat.org (29%) 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 (Virginia)?

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