Getting Your Colorado Personal Lines License
The path: complete pre-licensing training, pass the Pearson VUE Personal Lines exam, get fingerprinted through a CBI-approved vendor, and file your application at Sircon or NIPR. Colorado issues one Producer license listing the Personal Lines authority.
If you already hold Property and Casualty, you can skip both the Personal Lines training and exam — those lines already cover personal business. If you expect to write commercial accounts, weigh going straight for the Property and Casualty lines instead.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-personal-lines/purchase#a_aid=getthelicense) to satisfy your Colorado pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Colorado requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Colorado and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
The Personal Lines Exam
The Personal Lines exam is 104 scored multiple-choice questions (113 items including pretest) with a 135-minute (2 hr 15 min) limit — the longest of Colorado's single-line exams — passing at 70% on the full exam.
Test at a Pearson VUE center or online via OnVUE. You get only one online attempt; further retakes must be in person. You may reschedule immediately after a failed attempt.
What It Costs
Plan on about $135 in state and vendor fees for a first-time pass: roughly $41 for the exam, the $47 application fee (plus about $5.60 through NIPR), and around $40 for fingerprinting — on top of your pre-licensing course.
The test-center fee covers up to two exams in one session. Exam fees are non-refundable, so only book when you are ready.
Fingerprinting & Background Check
Colorado requires a fingerprint-based background check through the Colorado Bureau of Investigation and the FBI, submitted via a CBI-approved live-scan vendor.
Schedule your live-scan appointment and bring valid government-issued photo identification. Budget about $40, and confirm the exact current fee with your vendor.
Submitting Your Application
After passing, file your application online at sircon.com/colorado or nipr.com and pay the $47 fee. Pearson VUE reviews most applications within about five business days, and you can print your license at Sircon.
You have one year from your pass date to apply. A license alone does not authorize sales — a carrier must also file an appointment for you.
Keeping Your License Active
Important CE details: 24 credits every 2 years, structured as 18 credits in your line of authority, 3 credits of ethics, and 3 credits of your choice — and Personal Lines producers must include at least 3 hours of Homeowners credits. New producers are exempt their first cycle. Renews on the last day of your birth month with no grace period; up to 12 surplus credits carry over if earned in the last 120 days.
Colorado requires 24 CE credits every two years — 18 in your line of authority, 3 in ethics, and 3 of your choice — renewing on the last day of your birth month. New producers are exempt their first cycle, and there is no grace period.
As a Personal Lines producer, at least 3 of your hours must be in Homeowners insurance. Up to 12 surplus credits carry over if earned in the last 120 days of the cycle.
Quick Reference
Official Links
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