Arizona Property & Casualty Insurance License Exam Overview
The Arizona Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Arizona Department of Insurance and Financial Institutions (DIFI). It is a single combined exam (Prometric Series 13-34) covering both property and casualty lines, so you do not sit for separate property and casualty tests. Arizona is one of the fastest-growing states, with Phoenix and Tucson creating significant demand for both personal and commercial P&C insurance.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Arizona—a state with over 7 million residents and unique climate risks that create specialized insurance needs. After you pass, Prometric notifies DIFI within about 48 hours, and you have one year to apply for the license.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Scored Questions | 150 multiple-choice (10 sections) |
| Time Limit | 150 minutes (2.5 hours) |
| Passing Score | 70% (about 105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $49 (paid at reservation) |
| Pre-licensing Education | Not required (optional courses available) |
| Retake Rule | Up to 4 attempts per line per year, then a 1-year wait |
| Phone / Scheduling | Prometric 800-853-5448 |
Why Get P&C Licensed in Arizona?
- Fast-growing market — Over 7 million and rapidly expanding
- Phoenix metro boom — Major corporate relocations
- No pre-licensing required — Start studying immediately
- Unique climate risks — Dust storms, monsoons, extreme heat
- Commission upside — P&C agents earn 5-20% commission on homeowners and auto premiums on top of base pay
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Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Arizona-Specific Property Topics:
- Dust storm (haboob) damage coverage
- Monsoon flooding exclusions
- Extreme heat damage considerations
- Roof damage from UV exposure
- Wildfire coverage in mountain areas
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Arizona Workers' Compensation:
- Required for employers with 1+ employees
- Competitive state (private market)
- Industrial Commission of Arizona oversight
- Self-insurance options
3. Auto Insurance (25%)
Arizona Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Arizona financial responsibility law
- Uninsured motorist coverage (optional)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Arizona Insurance Code and Regulations (10%)
A.R.S. Title 20 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: Not required
- Continuing education: 48 hours every 4 years
- Ethics requirement: 6 hours included in CE
- Flood (NFIP) producers: one-time 3-hour certification before selling flood policies
- Background check and fingerprinting required
- Minimum age: 18
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Property insurance fundamentals | 8-10 |
| Week 2-3 | Liability insurance | 8-10 |
| Week 3-4 | Auto insurance and Arizona requirements | 8-10 |
| Week 4 | Arizona regulations (A.R.S. Title 20) | 6-8 |
| Week 4-5 | Practice exams and review | 8-10 |
Total recommended study time: 40-50 hours
🎯 Free Practice Questions Available
Test your knowledge with free practice questions designed specifically for the Arizona P&C exam, with instant explanations and unlimited retakes. Every account also includes free daily AI tutoring (10 questions per day) to explain any answer you miss.
Arizona-Specific Exam Tips
1. Know Arizona Auto Minimums
Arizona requires 25/50/15 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $15,000 property damage
2. Understand Arizona Climate Risks
Arizona's unique risks create specialized coverage needs:
- Dust storms (haboobs) — Common in Phoenix metro
- Monsoon season — July-September flooding
- Extreme heat — Equipment and roof damage
- Wildfires — Mountain and rural areas
3. No Pre-licensing Required
Arizona is one of few states without pre-licensing education:
- You can schedule your exam immediately
- Self-study is essential for success
- Shorter path to licensure
4. Key Numbers to Remember
| Topic | Arizona Requirement |
|---|---|
| Total questions | 150 (10 sections) |
| Time limit | 150 minutes |
| Exam fee | $49 (Prometric) |
| Auto minimums | 25/50/15 |
| WC threshold | 1+ employees |
| Pre-licensing | Not required |
| CE requirement | 48 hours/4 years (6 ethics) |
| Passing score | 70% |
Common Mistakes to Avoid
- Overconfidence from no pre-licensing — Self-study is still essential
- Confusing auto minimums — Arizona is 25/50/15
- Skipping climate risks — Dust storms and monsoons are tested
- Underestimating workers' comp — Required for 1+ employees
- Not practicing timed exams — pace for 150 questions in 150 minutes (about one minute each)
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam: Step-by-Step Application
- Get fingerprinted — Prometric offers fingerprinting at its Arizona test centers, often the same day as your exam. The fee is $20 to Prometric plus a $22 FBI processing fee ($42 total), submitted on FBI Form FD-258 with Form L-FPV.
- Apply through NIPR — File your Arizona resident producer application online at NIPR. The application fee is $120 plus a $5.60 transaction fee. You must be at least 18 and apply within one year of passing.
- Mail your fingerprint card and Form L-152 — Send the fingerprint card and completed Form L-152 (identity verification) to DIFI at 100 North 15th Avenue, Suite 261, Phoenix, AZ 85007-2630.
- Wait for results — DIFI review typically takes up to one month; your license then appears in the DIFI License Search and can be printed via NIPR or NAIC SBS.
- Get appointed by a carrier — A carrier appointment lets you place business and earn commissions.
- Maintain CE compliance — Complete 48 hours of continuing education (including 6 ethics hours) every 4 years; the license renews on the last day of your birth month.
Need a head start? Arizona offers a 180-day temporary P&C license (apply via NIPR for $142, which covers the $120 license fee plus the $22 FBI fingerprint processing fee) if you need to begin transacting before final approval.
Total mandatory cost: roughly $216 (about $49 exam + $42 fingerprinting + $125.60 NIPR application), among the lowest in the nation because Arizona requires no pre-licensing course.
2026 Arizona Facts to Confirm Before You Test
The exam structure has been stable, but always verify logistics against current official sources before you pay:
- Exam: 150 scored questions, 150 minutes, 70% to pass, $49 Prometric fee (Series 13-34)
- Application: filed through NIPR ($120 + $5.60); apply within one year of passing
- CE: 48 hours every 4 years with 6 ethics hours; flood (NFIP) producers need a one-time 3-hour certification
- Catastrophe context: Arizona wildfire and monsoon-flood exposure continues to shape how carriers underwrite property risk, a frequent theme in scenario questions
Start Your Arizona P&C Insurance Career Today
The Arizona P&C license opens doors to one of the nation's fastest-growing insurance markets. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Arizona-specific regulations (A.R.S. Title 20)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.
How to Verify the Rules Before You Schedule
Use this guide for exam strategy, then confirm the current licensing steps with official sources before you pay for an appointment. Property and casualty licensing is state-administered, and administrative details can change even when the insurance concepts stay the same. Check the Arizona insurance department first, then the testing vendor candidate handbook, then the application path used after passing. The NAIC state insurance department directory is the safest way to find the current regulator site, and NIPR state requirements can help you confirm post-exam application steps where NIPR is used.
For exam content, keep two buckets separate. The national bucket includes property policies, casualty policies, liability principles, negligence, risk management, policy structure, exclusions, conditions, endorsements, and claims concepts. The Arizona bucket includes regulator authority, producer licensing, unfair practices, cancellation and nonrenewal rules, state auto requirements, residual market mechanisms, and local compliance duties. When a question includes a deadline, dollar limit, filing duty, required notice, or licensing step, ask whether it is a general insurance concept or a Arizona rule.
What to Master for Property Questions
Property questions reward careful reading. Know the difference between named-peril and open-peril coverage, replacement cost and actual cash value, direct and indirect loss, vacancy and unoccupancy, and first-party property coverage versus third-party liability. Homeowners forms are a frequent source of points because the forms look similar but solve different problems. Practice identifying who is insured, what property is covered, which location qualifies as the residence premises, and whether the loss is excluded before an endorsement changes the answer.
Do not treat deductibles, limits, and valuation as afterthoughts. A question may describe a covered loss but test whether the settlement is reduced by deductible, limited by a sublimit, valued at actual cash value, or excluded because the cause of loss is not covered. Commercial property questions add business personal property, business income, extra expense, equipment breakdown, inland marine, and builder's risk concepts. For commercial forms, focus on why a business would need the coverage and what exposure remains if it does not have it.
What to Master for Casualty and Liability Questions
Casualty questions often turn on liability logic. Before choosing an answer, identify the claimant, the insured, the alleged injury or damage, and the legal theory. Negligence questions usually require duty, breach, causation, and damages. Liability policy questions ask whether the policy responds to bodily injury, property damage, personal and advertising injury, medical payments, or a specifically excluded exposure.
For auto, separate personal auto policy structure from state financial responsibility requirements. You need to know liability, medical payments or personal injury protection where relevant, uninsured and underinsured motorist concepts, damage to your auto, covered auto definitions, exclusions, and endorsements. For commercial auto, pay attention to covered auto symbols, hired and non-owned autos, business use, and garage exposures. For workers' compensation, separate statutory benefits from employer liability and remember that workers' compensation is not ordinary negligence coverage.
Final Two-Week Study Plan
In the first week, rotate by coverage family: homeowners and dwelling property, commercial property, personal auto, commercial auto, general liability, workers' compensation, and Arizona law. After every practice set in /practice/az-property-casualty, write down whether each miss was caused by vocabulary, form structure, state rule, or careless reading. Vocabulary misses need flashcards. Form structure misses need diagrams. State-rule misses need a one-page Arizona checklist. Careless reading needs slower question markup.
In the second week, stop studying by chapter only. The actual exam mixes topics, so your practice should mix them too. Use timed sets and force yourself to decide quickly whether the question is asking about coverage trigger, excluded cause, valuation, limit, condition, producer conduct, or state filing rule. Review explanations immediately. The review is where your score improves; simply taking more questions without fixing the reason for misses mostly measures the same weakness again.
Common P&C Exam Traps
One trap is choosing the coverage that sounds familiar instead of the coverage that fits the loss. A flood loss, an employee injury, a professional advice claim, a business income interruption, and a personal auto collision may all involve money damages, but they do not belong in the same policy part. Another trap is ignoring who owns the property or who is legally liable. Property insurance usually protects the insured's financial interest in property; liability insurance responds to claims made by others against the insured.
Cancellation and nonrenewal questions also deserve attention. The exam may test required notice, permitted reasons, timing, or who has authority to act. If the question is state-specific, do not rely on a generic national rule. Unfair trade practice questions work the same way: rebating, twisting, misrepresentation, false advertising, unfair claims handling, and fiduciary misuse of premiums are tested because they show whether a producer can operate lawfully after the exam.
Exam-Day Workflow
Confirm your appointment, identification, remote-proctoring rules, allowed materials, and reschedule deadline before test day. At check-in, your legal name should match the exam registration. During the test, take the easy points first. If a scenario is long, identify the policy, the insured, the covered property or claimant, the cause of loss, and the question's command word. If two answers are legally true, choose the one that answers the exact fact pattern.
If you miss the passing score, use the report as a map. Rebuild the two weakest content areas, then retest with mixed questions. Candidates often improve fastest by mastering policy architecture: declarations, insuring agreement, conditions, exclusions, definitions, and endorsements. Once you can locate where a rule lives inside the policy, unfamiliar questions become easier to reason through.
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