How to Get Your Arizona Adjuster License: Step-by-Step Guide
September 8, 2026 · PassReadyPro Team
Arizona's Property & Casualty Adjuster license lets you investigate, evaluate, and settle property and casualty claims. Getting licensed runs through the same four stages as any Arizona line: eligibility, studying, exam, application.
Quick answer: The Arizona adjuster exam is 150 questions in 2.5 hours, scored at 70% to pass, and costs $49 per attempt through PSI. Combined with a roughly $120 license application fee, most candidates are licensed within a month of finishing their coursework.
Step 1: Confirm you're eligible
You must be at least 18 years old, and either an Arizona resident or a resident of a state that allows Arizona residents to act as adjusters there (a reciprocity condition). See DIFI's licensing resources for the full eligibility rules.
Step 2: Study the required material
Arizona doesn't mandate a fixed number of pre-licensing hours for adjusters, but the exam covers general claims-handling knowledge (policy provisions, liability, coverage evaluation) alongside Arizona-specific law. Our Arizona Adjuster course is built against Arizona Revised Statutes Title 20 and DIFI's rules specifically, not a shared multi-state course.
Step 3: Schedule and pass your exam through PSI
The Property & Casualty Adjuster exam runs 150 questions in 2 hours 30 minutes, and you need a 70% score to pass. Each attempt costs $49. You'll register through PSI's Arizona insurance candidate page for an in-person or remote-proctored seat.
A few practical notes for exam day:
- Bring a valid, government-issued photo ID with your name, photo, and signature.
- Arrive at least 30 minutes early.
- No personal items allowed in the testing room.
- Arizona caps you at 4 attempts per 12-month period before a 1-year wait kicks in.
Step 4: Apply for your actual license
After passing, apply through NIPR or directly with DIFI. The application fee is $120, plus a roughly $22 FBI fingerprinting fee processed through the Arizona DPS Public Services Portal.
A new path for staff adjusters (effective September 2026)
Arizona Senate Bill 1415, signed in April 2026 and effective September 12, 2026, created a new Staff Adjuster license option for certain company/staff resident adjusters who meet specific criteria — allowing them to skip the state adjuster exam entirely. It's an optional license with a limited application window and doesn't apply to independent adjusters working claims for multiple carriers, so most people building an adjusting career will still take the standard exam path above. Check DIFI's licensing page for the current eligibility criteria if you work exclusively as a staff adjuster for one carrier.
What it actually costs
| Item | Typical cost |
|---|---|
| PSI exam fee (per attempt) | $49 |
| Resident adjuster license application fee | $120 |
| Fingerprinting (FBI, via AZ DPS) | ~$22 |
| Pre-licensing course | Varies by provider |
Putting it together
Study a few weeks, take timed practice exams until 70%+ is routine, sit the exam, and apply through NIPR — most candidates are licensed within about a month.
Related reading
Frequently asked questions
How long is the Arizona adjuster exam?+
150 questions, 2 hours and 30 minutes, with a 70% passing score required.
What does an Arizona adjuster license cost in total?+
Budget around $191 in state and exam fees ($49 exam + $120 application + ~$22 fingerprinting) on top of your pre-licensing course, assuming you pass on your first try.
What is the new Staff Adjuster license?+
A path created by SB1415 (effective September 12, 2026) letting certain company/staff resident adjusters skip the state exam if they meet specific criteria. It's optional and has a limited application window — check DIFI's current rules if it applies to you.
How many times can I retake the exam?+
Up to 4 attempts per 12-month period. A 5th unsuccessful attempt means waiting a full year before trying again.
Ready to start studying?
Browse our Arizona pre-licensing courses — pay once, study at your own pace.
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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.