Key Takeaways
- Arizona does NOT require pre-licensing education (one of the few states with no requirement)
- The exam has 150 questions with a 2.5-hour time limit and 70% passing score
- Can retake exam up to 4 times in a 12-month period
- Fingerprinting required through Prometric at Arizona test centers ($42 total)
- Arizona requires 48 hours of CE before license renewal (6 hours ethics)
Arizona Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Arizona Property & Casualty Insurance exam prep guide. This comprehensive resource covers Arizona-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Arizona P&C Exam
The Arizona Property & Casualty insurance examination is administered by PSI Services on behalf of the Arizona Department of Insurance and Financial Institutions (DIFI, formerly ADOI). Arizona is the 14th-largest state with a growing insurance market.
Key Advantage: No Pre-Licensing Education Required
Arizona is one of the few states that does NOT require pre-licensing education. You can schedule and take the exam immediately. However, study preparation is strongly recommended due to exam difficulty.
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | PSI Services |
| Regulatory Authority | Arizona DIFI |
| Exam Code | 13-34 (Combined P&C) |
| Passing Score | 70% or higher |
| Total Questions | 150 questions |
| Time Limit | 2.5 hours (150 minutes) |
| Test Delivery | In-person or remote |
| Results | Immediate |
| Retake Limit | 4 times per 12-month period |
Retake Policy
| Rule | Details |
|---|---|
| Maximum Attempts | 4 per 12-month period |
| Waiting Period | None between attempts |
| After 4 Failures | Must wait until 12 months from first attempt |
Step-by-Step Licensing Process
Step 1: Study and Prepare
Although no pre-licensing education is required, preparation is essential:
- Complete this FREE study guide
- Review national P&C concepts
- Take practice exams
- First-time pass rates are 50-70% nationally
Step 2: Register for the Exam
Register with PSI Services:
- Visit PSI - Arizona Insurance page
- Create an account
- Select Property and Casualty Producer (13-34)
- Pay exam fee
- Choose testing center or remote option
Step 3: Pass the Exam
On exam day:
- Complete 150 questions in 2.5 hours
- 70% required to pass
- Receive immediate results
- Can retake up to 4 times in 12 months
Step 4: Complete Fingerprinting
Fingerprinting is required through Prometric:
| Step | Details |
|---|---|
| Provider | Prometric (at AZ test centers) |
| Fingerprint Fee | $20 |
| FBI Processing Fee | $22 |
| Total Cost | $42 |
| Purpose | Background check |
Step 5: Apply for License
Apply through Arizona DIFI:
- Submit application
- Provide fingerprint results
- Pay application fees
Step 6: Receive License
- DIFI reviews application
- Background check processed
- License valid for 2 years
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education | $0 (not required) |
| Exam Fee | ~$50 |
| Fingerprinting | $42 ($20 + $22 FBI) |
| License Application | ~$50 |
| TOTAL | ~$142 |
Note: Arizona has one of the lowest total licensing costs because no pre-licensing education is required.
Arizona Auto Insurance
Arizona requires the following minimums:
| Coverage | Minimum |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
| Formula | 25/50/15 |
Note: Arizona is a fault-based (tort) state.
Recent Changes (2025-2026)
New CE Vendor
Effective September 1, 2025, Arizona will use PSI as the new vendor for processing Continuing Education (CE) credits.
Surplus Lines
Surplus Lines Broker applicants must hold an active Arizona Insurance Producer license with Property and/or Casualty line of authority.
Continuing Education Requirements
Arizona has significant CE requirements:
| Requirement | Details |
|---|---|
| Total Hours | 48 hours before renewal |
| Ethics Hours | 6 hours (included) |
| Completion | Before submitting renewal |
Note: Arizona requires 48 hours of CE—one of the highest requirements in the nation.
Contact Information
| Resource | Details |
|---|---|
| Arizona DIFI | difi.az.gov |
| Phone | (602) 364-3100 |
| PSI Exams | psiexams.com |
| Prometric (Fingerprints) | prometric.com |
What This Guide Covers
Chapter 1: Arizona Insurance Regulation
- DIFI structure and authority
- Arizona Insurance Code
- Licensing requirements
- Producer responsibilities
Chapter 2: Arizona Property Insurance
- Homeowners requirements
- Arizona FAIR Plan
- Commercial property
- Wildfire considerations
Chapter 3: Arizona Casualty Insurance
- Auto minimums (25/50/15)
- Workers' compensation
- Liability insurance
- Commercial lines
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling
- Arizona Property and Casualty Insurance Guaranty Fund
- Producer conduct
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 0 (not required) |
| Exam questions | 150 |
| Exam time | 2.5 hours |
| Passing score | 70% |
| Max retakes | 4 per 12 months |
| Fingerprinting | $42 |
| BI liability | 25/50 |
| PD liability | $15,000 |
| CE hours | 48 before renewal |
| Ethics CE | 6 hours |
Next Steps
- Complete this FREE study guide - AZ-specific content
- Study national P&C concepts - See our Property & Casualty exam prep
- Take practice quizzes - Test your knowledge
- Register with PSI - Schedule exam
- Pass exam - 70%+ score (up to 4 attempts)
- Complete fingerprinting - Prometric ($42)
- Apply for license
- Start your career - Sell P&C insurance in Arizona!
Let's get started with Chapter 1: Arizona Insurance Regulation!
How many hours of pre-licensing education does Arizona require?
How many times can you retake the Arizona P&C exam in a 12-month period?
How many CE hours does Arizona require before license renewal?
What are the minimum auto liability limits in Arizona?
How much does Arizona fingerprinting cost through Prometric?