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Washington Personal Lines License - Exam Section Weights & Requirements
What the Washington Personal Lines exam tests, section by section, taken from the state's own published content outline, with exam prep built to the same weights.
Washington issues this as Personal Lines.
Exam logistics
Where to apply and book the exam
- Washington is one of only ~11 states that ELECTS its Insurance Commissioner statewide.
- Washington is a MONOPOLISTIC workers' comp state — employers must purchase WC from the state's Department of Labor and Industries (L&I), not from private insurers.
We have not published a step-by-step Washington checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.
What Washington requires
Transcribed from NIPR's Washington resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against Washington Office of the Insurance Commissioner before you file.
- Application fee
- $55 (reinstatement $82.50 within 30 days, $110 within 60 days, $165 within a year) (Insurance Producer)
- State exam
- Insurance Producer exams are required for Life, Disability, Property, Casualty, Personal Lines, Credit and Surety, and not required for Variable Life and Variable Annuity or Travel. Surplus Line Broker sits the Surplus Lines exam, Crop Adjuster the Property exam, and Independent Adjuster and Public Adjuster the Property and Casualty exams. Life Settlement Broker requires no exam.
- Fingerprints and background check
- Applicants must be fingerprinted by IdentoGO by Idemia, scheduled 36 to 48 hours after the application is submitted. Prints already submitted to the Washington insurance commissioner within the past twelve months are not repeated.
- How to apply
- Apply electronically through NIPR, or directly to the Washington Office of the Insurance Commissioner.
Washington application fees, by license class
- Insurance Producer$55 (reinstatement $82.50 within 30 days, $110 within 60 days, $165 within a year)
- Public Adjuster$50 (reinstatement $75 within 30 days, $100 within 60 days, $150 within a year)
- Independent Adjuster$50 (reinstatement $75 within 30 days, $100 within 60 days, $150 within a year)
- Crop Adjuster$50
- Surplus Line Broker$200 (reinstatement $300 within 30 days, $400 within 60 days, $300 within a year)
- Limited Lines of Authority$20 (reinstatement $30 within 30 days, $40 within 60 days, $60 within a year)
Source: NIPR, Washington resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.
What's actually on the exam
Section weights below are derived from PSI publication Washington Personal Lines Producer content outline (no series number printed), effective 2026-08-01 - not a national average. Our practice questions and final exam are sampled to the same proportions.
- I. Types of Policies27% (27 of 100)
- II. Insurance Terms and Related Concepts18% (18 of 100)
- III. Policy Provisions and Contract Law7% (7 of 100)
- IV. Personal Policies — Auto and Umbrella10% (10 of 100)
- V. Insurance Terms and Related Concepts (Casualty emphasis)4% (4 of 100)
- VI. Policy Provisions2% (2 of 100)
- VI. Washington Insurance Code and Department of Insurance15% (15 of 100)
- VII. Washington Statutes Pertinent to Property and Casualty17% (17 of 100)
Source: PSI Washington Personal Lines Producer content outline (no series number printed) eff. 2026-08-01.
Frequently asked questions
How many questions are on the Washington Personal Lines exam?
Washington administers the Personal Lines Producer, 100 scored questions, a 135-minute time limit, administered by PSI. The exam fee is $38.
What score do I need to pass?
The published passing score is 70%.
Does Washington require state-approved prelicensing education?
No. Washington does not mandate prelicensing education for the Personal Lines license - passing the exam is what qualifies you. Exam prep alone is sufficient.
Is the practice exam built to the real Washington exam's format?
Yes. Our practice questions and final exam are weighted to match PSI Washington Personal Lines Producer content outline (no series number printed) eff. 2026-08-01, section by section - not a generic national blueprint with a state label on it.
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