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 (ADOI). 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.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 100 multiple-choice |
| Scored Questions | 100 |
| Time Limit | 2 hours |
| Passing Score | 70% (70 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $55 |
| Pre-licensing Education | Not required |
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
- Competitive compensation — Average P&C agent salary over $63,000
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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: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check and fingerprinting required
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 hundreds of free practice questions designed specifically for the Arizona P&C exam.
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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 |
|---|---|
| Auto minimums | 25/50/15 |
| WC threshold | 1+ employees |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| 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 — 2 hours for 100 questions
- Cramming last minute — Spread study over 4-5 weeks
After Passing Your Exam
- Apply for license through Arizona ADOI online portal
- Complete fingerprinting at DPS-approved vendor
- Pay license fee — $50 for 2-year resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Arizona Updates
For 2026, be aware of:
- Auto insurance rate changes
- Wildfire coverage updates
- Enhanced consumer protection regulations
- Modified CE requirements
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.
→ Begin FREE Arizona P&C Exam Prep Now
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
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