Arizona Property & Casualty License: Exam Guide & Requirements
September 8, 2026 · PassReadyPro Team
A Property & Casualty producer license lets you sell home, auto, and business insurance in Arizona. Here's the process end to end.
Quick answer: Arizona doesn't require any P&C study hours. You pass PSI's Property & Casualty exam (70% to pass, $59), get fingerprinted, and apply through NIPR with a $120 license fee — usually an active license within a few weeks.
Who can apply
Arizona licenses P&C producers under ARS Title 20 and DIFI's rules. A criminal history, or an inaccurate or incomplete application, can lead to a denial under ARS § 20-295 — so check your own record against Arizona's standards on DIFI's licensing pages before you commit to studying. Arizona's exams are open eligibility, so you can retake a failed exam as many times as needed, paying the fee each time.
How much you'll need to study
Arizona does not require pre-licensing education — a course isn't mandatory at all. As a planning guide, most P&C candidates spend somewhere around 25–35 hours preparing, more than the single-line producer exams because the Property & Casualty exam combines two bodies of material.
What the exam covers
Arizona offers three ways to cover property and casualty:
| Exam | Exam fee |
|---|---|
| Property (only) | $50 |
| Casualty (only) | $42 |
| Property & Casualty (combined) | $59 |
Most producers take the combined Property & Casualty exam. Every Arizona exam is split between a general section (property and casualty concepts, contracts, homeowners, personal and commercial auto, commercial lines) and an Arizona-law section (producer licensing rules, unfair practices, cancellation and nonrenewal law). You need 70% correct to pass, and 5–10 unscored experimental questions are mixed in. PSI's content outline for the Property and Casualty Producer exam spells out the exact topic weighting — our Arizona Property & Casualty course is built to match it.
Scheduling and taking the exam
Exams are administered by PSI, at a test center or by remote proctoring. A few things worth knowing before test day:
- Bring one current, government-issued photo ID with name, signature, and photo — no temporary or expired IDs.
- Arrive 30 minutes early.
- Closed book: no notes, phones, smartwatches, or handheld calculators.
- 70% correct is a pass; your score is shown on screen immediately.
- Cancellations need at least 2 days' notice or you forfeit the fee.
- The exam fee is valid for one year from the date you pay it.
If you don't pass, you can't retest the same day, but a new appointment is usually available within a day or two.
Applying after you pass
Passing is only step one — Arizona still requires a separate license application through the NIPR system. The license fee is $120, and DIFI must receive your complete application within one year of passing (ARS § 20-284(A)). First-time applicants also complete DIFI's electronic fingerprint process — about $31 total between the Fieldprint fee and the FBI processing fee — submitted after the NIPR application. DIFI processes most complete electronic applications within about 10 days.
What it actually costs
| Item | Typical cost |
|---|---|
| PSI Property & Casualty exam fee (per attempt) | $59 |
| Fingerprinting (Fieldprint + DPS/FBI) | ~$30.69 |
| Resident producer license fee | $120 |
| Pre-licensing course | Varies by provider |
Fees are set by PSI and DIFI and can change — treat these as planning estimates.
Staying licensed
Your first Arizona license runs three to four years, expiring the last day of your birth month; renewals after that are full four-year terms. Major-line resident producers complete continuing education each cycle — see DIFI's CE page for current requirements. You'll also typically need an appointment from each insurer you represent, which your agency usually handles once you're licensed.
A realistic timeline
Between studying, scheduling the exam, and DIFI's processing time, most candidates go from starting a course to holding an active Arizona P&C license in roughly three to six weeks, depending on how many hours a week they can put in.
Related reading
Frequently asked questions
Do I take one P&C exam or two separate exams in Arizona?+
You can take the combined Property & Casualty exam ($59), or take the Property exam ($50) and Casualty exam ($42) separately. Most producers take the combined exam.
How much does an Arizona P&C license cost in total?+
Around $210 in fees on a first attempt — the $59 combined exam, roughly $31 for fingerprinting, and the $120 license fee — plus whatever your pre-licensing course costs.
Can I sell both home and auto insurance with an Arizona P&C license?+
Yes — a Property & Casualty producer license covers personal and commercial property and casualty lines, including home, auto, and business insurance.
Ready to start studying?
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This article is for general informational purposes and reflects our understanding of Arizona's licensing process at the time of writing. Requirements and procedures change — always verify current details with the Arizona Department of Insurance and Financial Institutions or your exam administrator before relying on anything here.