How to Get Your Arizona Insurance License: Step-by-Step Guide

Getting an insurance producer license in Arizona comes down to four stages: making sure you're eligible, studying for the state exam, passing it through PSI, and formally applying for the license through the Arizona Department of Insurance and Financial Institutions (DIFI). Here's what each stage actually involves.

Quick answer: Arizona doesn't require any pre-licensing course hours. You pass a PSI exam (70% to pass, roughly $42–$59 depending on the line), get fingerprinted, and apply through NIPR with a $120 license fee. DIFI processes most complete electronic applications within about 10 days.

Step 1: Confirm you're eligible

Arizona licenses producers under Arizona Revised Statutes Title 20 and DIFI's rules. DIFI can deny a license for the reasons listed in ARS § 20-295 — most commonly a criminal history, or inaccurate or incomplete answers on the application itself. If you have anything in your background that might come up, read DIFI's insurance licensing resources and sort it out before you spend time studying, because a denial after you've paid exam and license fees is an expensive way to find out.

Arizona's producer exams have open eligibility — there's no cap on attempts, though you pay the exam fee again each time you sit.

Step 2: Study for your exam

Arizona law does not require pre-license education — you can register for the exam without completing a course. That said, a substantial part of every Arizona exam is Arizona-specific insurance law drawn from Title 20 and the Administrative Code, which is hard to absorb without focused study. The rest covers general insurance concepts for your line — policy provisions, contract law, and the coverages themselves.

PSI publishes a detailed content outline for each Arizona exam (Life, Health, Life & Health, Property, Casualty, Property & Casualty, Personal Lines, and more). A structured course built around that outline is the fastest way through the material — our Arizona courses mirror it lesson by lesson, with a practice question bank several times larger than the exam itself.

Step 3: Schedule and pass the PSI exam

Arizona's insurance exams are administered by PSI, either at a test center (Phoenix, Tucson, Tempe, Flagstaff, Yuma, and others) or by remote online proctoring. You create an account at PSI's Arizona portal, choose a format, and pay the exam fee — roughly $42 for a single line like Casualty or Crop, $50 for Life or Property, and $59 for a combined Life & Health or Property & Casualty exam. The fee is good for one year from the date you pay it.

A few practical notes:

• Bring one current, government-issued photo ID with your name, signature, and photo — no temporary IDs.
• Arrive 30 minutes early; latecomers forfeit the fee.
• Closed book: no notes, phones, smartwatches, or handheld calculators in the room.
• You need 70% correct to pass, and 5–10 unscored experimental questions are mixed in with the real ones.
• To cancel or reschedule without losing your fee, give PSI at least 2 days' notice.

Your score shows on screen immediately, and a report is emailed to you — with a diagnostic breakdown by section if you don't pass. You can't retest the same day, but a new appointment is often available within a day or two.

Step 4: Get fingerprinted and apply through NIPR

Passing the exam doesn't make you licensed — you still have to apply. Submit your application through the NIPR electronic licensing system; NIPR applications are processed faster than mailed paper ones. The license fee is $120 per license class, and DIFI must receive your complete application within one year of passing the exam (ARS § 20-284(A)).

First-time Arizona applicants also have to be fingerprinted through DIFI's electronic process — a $8.25 fee to Fieldprint plus a $22.44 FBI processing fee paid to the Arizona Department of Public Safety. Submit your fingerprints after you've filed the NIPR application, not before.

What it actually costs

Item	Typical cost
PSI exam fee (per attempt)	$42–$59
Fingerprinting (Fieldprint + DPS/FBI)	~$30.69
Resident producer license fee	$120
Pre-licensing course	Varies by provider

These figures come from DIFI's candidate bulletin and NIPR and can change — confirm the current amounts before you pay.

Keeping your license

Your first Arizona license runs three to four years, expiring on the last day of your birth month; every renewal after that is a full four-year term. You can renew up to 90 days early through NIPR, and there's a one-year late-renewal window with a $100 late fee. Major-line resident producers also have continuing education to complete each cycle — see DIFI's CE page for the current hours and required topics.

Putting it together

Most candidates spend a couple of weeks studying, schedule the exam once they're consistently passing practice exams, and — with an electronic NIPR application — have an active license within roughly two to five weeks of finishing their coursework.

Related reading

• How to Get Your Arizona Life & Health Insurance License
• How to Get Your Arizona Adjuster License
• How Much Does It Cost to Get an Insurance License in Arizona?
• What to Bring to Your PSI Insurance Exam (Oklahoma & Arizona)