What This License Is
Wyoming's Personal Lines licence appears in the candidate handbook as "Personal Lines Only (Noncommercial Property & Casualty)," exam code 55. It covers property and casualty insurance written for individuals and families — homeowners, personal auto, renters, personal umbrella — and excludes commercial risks.
It is worth stating plainly, because some material says otherwise: this line exists. It is listed among the licences that require examinations, it has its own exam code and fee, and the Department's fee schedule groups it with Property and Casualty as "Property, Casualty, or Personal Lines (any combination)." NIPR's Wyoming resident and non-resident pages list it too.
But Pearson VUE publishes no Personal Lines content outline. The Wyoming content outline document contains eight outlines — Life, Accident & Health, the combined Life and Health, the Life and Health Consultant's, Property, Casualty, the combined Property and Casualty, and the Property and Casualty Consultant's — and Personal Lines is not among them. That is a real gap, and it is probably why some sources wrongly report the line as unavailable.
The practical consequence: for the Wyoming State section of this exam, the statutes and rules are the syllabus. There is no vendor outline to work from, which makes the most-tested material below more load-bearing here than on any other Wyoming line.
One structural point on scope. Holding the full Property and Casualty lines already covers personal risks, so Personal Lines is the narrower choice, not an add-on — and since the application fee covers the whole group either way, the decision is about exam scope rather than cost.
Exam Options & Format
The examination is exam code 55: 100 questions in 2 hours at $96 on the handbook's fee table.
Like every Wyoming major line it comes in two parts — a General section on basic insurance product knowledge and a Wyoming State section on the laws, rules, regulations and practices unique to Wyoming — scored together as a single paper. Partial passes are not permitted.
Because no content outline is published for this line, the scored-versus-pretest split is not something any source states. The handbook notes generally that its examinations contain statistical pretest questions which "do not affect a candidate's score" and are not identified among the scored items, but it gives no count for Personal Lines. This guide does not invent one.
The passing standard is 70 percent of questions answered correctly — a straight percentage, which means counting backwards from it is legitimate here in a way it is not in scaled-score states.
The broader alternative is the combined Property and Casualty paper, code 06, at 150 questions in 2 hours 30 minutes for $113. It is more exam and a wider licence for $17 more.
Most Tested Topics on the Wyoming Personal Lines Exam
With no published outline, the state section is best prepared from the statutes and rules that actually govern personal risks. Wyoming puts the termination machinery in one article and the termination grounds in another, and keeps its claims-adjustment rules in the Commissioner's regulations:
| Concept | The Wyoming rule |
|---|---|
| How a termination notice must be delivered | Article 1 of chapter 35 governs the manner of providing notice for every property and casualty termination — W.S. 26-35-101 — and a nonrenewal that does not comply with the statute "is ineffective" (26-35-203) |
| Refund of unearned premium | A separate statutory duty on cancellation, standing apart from the notice rules — W.S. 26-35-102 |
| Prohibited practices in termination | Chapter 35 article 1 carries its own prohibited-practices section and its own penalty section — W.S. 26-35-103 and 26-35-104 |
| Issuance or renewal with exclusions | Governed separately from ordinary renewal, at W.S. 26-35-105 — a renewal that narrows coverage is not simply a renewal |
| Transfers from mergers or restructuring | Where a policy transfer results from a merger, acquisition or restructuring, or results in broader coverage, notice is not required — W.S. 26-35-106 |
| The 60-day new-policy window | The mid-term cancellation restrictions do not apply to a policy in effect less than 60 days that is not a renewal of a previously existing policy for a term longer than 60 days — W.S. 26-35-202 |
| A live conflict on auto cancellation notice | The Commissioner's rule sets 20 days' notice for general cancellation of an automobile liability policy and 10 days' for nonpayment — 044-2 Wyo. Code R. §14-4 — while the later statute sets 45 days for non-nonpayment grounds across all property and casualty. Both are live text; teach the statute and know the rule exists |
| Notice of the assigned risk plan | An insurer cancelling or nonrenewing an automobile liability policy must notify the policyholder of possible eligibility for automobile insurance through “the automobile assigned risk plan or Wyoming automobile insurance plan” — Rule §14-6 names both, disjunctively, and does not apply to cancellation or nonrenewal for nonpayment of premium |
| Fellow-employee coverage cannot be excluded | A private passenger auto policy providing bodily injury liability may not exclude the named insured from coverage for injury to a fellow employee injured in the course of such employment in “a business other than the automobile business” — the rule's own phrase — arising from use of the owned vehicle or a non-owned private passenger or utility automobile. It may exclude injuries compensable under workers' compensation law — Rule §24-5 |
| Physical damage settlement options | An insurer adjusting a personal property loss, first or third party, must use one of three options: pay the loss in its entirety in money based on an appraisal; repair the damaged property; or replace it — Rule §30-4. The rule sets no total-loss formula and no percentage threshold |
| Collision deductible and subrogation | Wyoming has a dedicated statute on the deductible amount of collision coverage, subrogation and the insured's right to the deductible — W.S. 26-13-113 |
| After-market parts | Wyoming maintains a distinct After Market Parts Regulation — 044-2 Wyo. Code R. ch. 19 — alongside a rule governing the adjustment of damages to dwelling roofs under homeowners' policies at ch. 26 |
Chapter 35 has two articles and they do different jobs. Article 1 is procedural and applies across the board — how notice is given, the refund of unearned premium, prohibited practices, penalties, issuance or renewal with exclusions, and the merger-transfer exemption. Article 2 carries the substantive grounds and the day counts for property and casualty policies. The Property guide covers article 2; the machinery in article 1 is what a personal-lines producer actually operates inside.
Know the merger exemption, because it runs the other way from everything else. W.S. 26-35-106 provides that notice is not required where a transfer of policies results from a merger, acquisition or restructuring, or where it results in broader coverage. Almost every other rule in the chapter adds a notice duty; this one removes it.
And know the two rules that reach into the policy itself. Rule §24-5 forbids a private passenger auto policy from excluding the named insured's liability for injury to a fellow employee hurt in “a business other than the automobile business”, while permitting exclusion of injuries compensable under workers' compensation — a genuinely Wyoming-specific coverage mandate. Rule §30-4 gives an adjuster exactly three settlement options on a personal property loss: pay in money on an appraisal, repair, or replace. Notably, it prescribes no total-loss formula and no percentage threshold — the salvage percentage sits in the motor vehicle title statute instead, and applies only where no insurer is involved in the settlement.
Scoring, Retakes, and What Your Score Report Says
### The passing standard is a percentage, not a scaled score
The handbook is direct: "You need to answer 70% of questions correctly in order to pass the examination," and, in the same section, "Examination scores are based on the number of questions answered correctly." The word scaled does not appear anywhere in the document, and the diagnostic sentence scaled-score states use — that the reported number is neither the count nor the percentage of correct answers — is absent.
That matters practically. In a scaled-score state you cannot work out how many questions you may miss. In Wyoming you can.
### Your score report says different things depending on whether you passed
This asymmetry is worth knowing before you sit down. From the handbook: "When candidates complete the examination, they will receive a score report marked 'pass' or 'fail'. Candidates who pass the examination will receive a score report that includes information on how to apply for a license. Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information, as well as information about reexamination."
So a pass tells you nothing about your margin — no numeric score at all — while a fail gives you both a number and a topic-level diagnostic. If you want to know where you were weak, the only route is to have failed.
Getting the report. Candidates leave the test centre with their official scores in hand. For online exams, and for test-centre exams taken on or after February 17, 2023, the report is retrieved by signing in to your Pearson VUE account; for test-centre exams taken on or before February 13, 2023, the paper Duplicate Score Request form in the handbook's appendix applies.
Reviewing the exam is not an option. "For security reasons, examination material is not available for candidates to review." The diagnostic on a failed report is as close as you get.
### Retakes
Wait 24 hours. "Reservations for reexamination may not be made at the test center. Candidates must wait twenty-four (24) hours before making a reservation."
There is no published cap on test-centre attempts. Wyoming does not state one, and the handbook's Retaking an Examination section was read in full.
But online attempts are capped at two. "OnVUE Retake Policy. Candidates taking an online examination are allowed two attempts per exam. All subsequent examination attempts will have to be taken at a Pearson VUE testing center." The presence of an explicit online cap alongside no test-centre cap is worth reading as deliberate rather than as an oversight.
And on a combination paper, there are no partial passes. "If part of a combination exam is failed the entire combination exam must be taken again and at least a 70% must be achieved on the entire combination examination in order to be licensed in that line of authority." Personal Lines is a single-line paper, so this bites only if you switch to the combined Property and Casualty route.
### The clock that starts when you pass
"Please note that the application process must be completed within one year of passing the examination." That sentence is in the candidate handbook and on no Department page — a genuine reason to read the vendor document rather than only the regulator's site. Note it is the application process being completed, not merely started.
One thing nobody publishes: how or when your result reaches the Wyoming Insurance Department. The handbook does not describe transmission to the Department at all, so if timing matters to you, ask rather than assume.
What It Costs
$96 to Pearson VUE for the Personal Lines exam, $100 to the Department with the application, and $39 for fingerprinting for a first-time resident — about $235 all in, with no pre-licensing course to buy.
The application fee covers the group, not the line: "Property, Casualty, or Personal Lines (any combination)" is a single $100 for residents or $150 for non-residents. That means moving from Personal Lines to full Property and Casualty later costs another exam fee but no further state application fee.
Each retake is $96. There is no published cap on test-centre attempts, but online sittings are limited to two.
Eligibility Requirements
You must be at least 18 years old, and residents must pass the Wyoming licensing examination for the lines of authority sought before applying. Wyoming's Department of Insurance describes a three-step path for residents — pass the exam, apply and pay the fee, then complete the fingerprint background check — with no pre-licensing course step in it.
A criminal record does not automatically bar a licence. The Department's FAQ addresses it directly, and an applicant answering yes to a background question uploads four items to the NIPR Attachment Warehouse: the original charging documents; final disposition documents including the judge's final order and any fines or sentencing; proof that all fines are paid and all sentencing including probation is complete; and a written explanation of the circumstances. Federal law at 18 U.S.C. 1033 separately requires written consent for anyone convicted of a felony involving dishonesty or breach of trust.
Keeping Your License Active
Important CE details: Twenty-four classroom hours in each two-year licensing period, three of them ethics. Credits above the 24 carry forward to the next term, capped at 12 and only if earned within 120 days of expiration, and carryover counts as general credit rather than ethics. There has been no continuing education fee since January 1, 2023, and the Department grants no extensions for any reason. Providers have 15 days to file completion certificates, so finish more than 30 days out.
Twenty-four classroom hours per two-year licensing period including three ethics hours, renewing on the last day of your birth month. The Property & Casualty guide covers the mechanics.
Personal Lines producers carry no product-specific training gate. Two Wyoming features are worth knowing early: there has been no continuing education fee charged by the Department since January 1, 2023, and the Department grants no extensions to comply, for any reason — so the 30-day filing margin is the only cushion you have.
Quick Reference
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