Arizona Property & Casualty Exam Overview

About the Arizona P&C Exam

Welcome to OpenExamPrep's FREE Arizona Property & Casualty (P&C) prep guide. The license is regulated by the Arizona Department of Insurance and Financial Institutions (DIFI) — the agency formed in 2020 when the former Arizona Department of Insurance (ADOI) merged with banking regulation. Older study materials still say "ADOI"; on the exam, the correct modern authority is DIFI.

The examinations are delivered by PSI Services LLC (PSI), Arizona's insurance licensing exam vendor. Any guide telling you to register with Pearson VUE or Prometric for the insurance producer exam is outdated for this line. You register at the PSI Arizona insurance portal (test-takers.psiexams.com/anzins).

One Combined Exam — Plus Separate Property and Casualty Options

This is a common point of confusion. Arizona does offer a single combined Property & Casualty exam — 150 questions, 2.5 hours, 70% to pass, $59 — and that combined exam (often referenced by the Series 13-34 content outline) is the focus of this guide. If you prefer, you can instead sit separate Property-only and Casualty-only exams (each 100 questions, 2 hours, $50), or a Personal Lines exam (100 questions, 2 hours). The combined exam is the most economical path to full P&C authority ($59 versus $100 for the two separate tests). Whichever route you choose, you must score 70% to pass.

No Pre-Licensing Education Required

Arizona is one of a small number of states with zero mandated pre-licensing hours. You can schedule and sit immediately. That freedom is a double-edged sword: with no classroom requirement, self-study discipline matters more here than in classroom-mandate states, so build a structured plan around national P&C fundamentals plus Arizona statutes.

Exam Structure At A Glance (Combined P&C)

PSI publishes the exact content breakdown between national and Arizona-specific topics in its current Candidate Information Bulletin, which you should download before scheduling.

Step-by-Step Licensing Path

Use this sequence; skipping fingerprinting or applying before you have passed the exam are the two most common ordering mistakes.

1. Study — there is no required course, but cover national P&C fundamentals plus the Arizona Insurance Code (Title 20, Arizona Revised Statutes).
2. Register and schedule with PSI — create an account and select the combined Property & Casualty exam (or the separate Property/Casualty options), then pay the exam fee.
3. Pass the exam — 70% to pass; print the score report PSI gives you on the spot.
4. Get fingerprinted — Arizona requires a state and FBI criminal background check through the Arizona DPS Public Service Portal and its livescan partner.
5. Apply through DIFI / NIPR — most resident producer applications route through the National Insurance Producer Registry (NIPR) on DIFI's behalf.
6. Receive your license — once the background check clears, DIFI issues the producer license, valid four years.

Cost Worksheet (budget, verify current figures with PSI/DIFI)

Trap: Confirm the live fingerprint and application figures in the current PSI bulletin and on DIFI's licensing pages before you pay — fee schedules are updated periodically.

Arizona-Specific Facts You Must Know

• Auto liability minimums are 25/50/15: $25,000 bodily injury per person, $50,000 bodily injury per accident, $15,000 property damage. Arizona is a fault (tort) state, not no-fault.
• License term is 4 years, expiring the last day of your birth month — not the 2-year cycle used by many states.
• Continuing education is 48 hours per 4-year period, including a minimum of 6 hours of ethics. CE must be completed before submitting renewal, and courses must be taken through DIFI-approved CE providers.
• DIFI, not ADOI, is the regulator; the Director of Insurance enforces Title 20.
• Producer vs. agent terminology: Arizona uses producer as the legal term for the licensed individual or business entity that sells, solicits, or negotiates insurance. "Agent" and "broker" are everyday terms but the statute and exam favor producer.
• Resident vs. nonresident: a resident producer is licensed where they live or maintain their principal place of business; nonresidents apply through reciprocity, typically via NIPR, after holding a license in good standing in their home state.

Worked Scheduling Example

Suppose you want full P&C authority the fastest, cheapest way. You create one PSI account and book the single combined Property & Casualty appointment ($59, 150 questions, 2.5 hours). If you score 70% or higher, you pass the whole exam at once. If you fall short, you rebook and pay a new exam fee — and because there is no pre-licensing mandate, there is no waiting course to repeat; you can re-sit as soon as PSI has an open slot, subject to Arizona's retake limit (up to four attempts in a 12-month period). Candidates who only need one line can instead book the cheaper Property-only or Casualty-only 100-question exam.

What This Guide Covers

Next step: Pair this Arizona content with national P&C fundamentals and our practice quizzes. The Arizona-specific portion is where most repeat failers lose points — the national concepts are the same nationwide, but the four-year term, 25/50/15 limits, and DIFI naming are uniquely Arizona.