If you want to sell auto insurance, homeowners insurance, commercial property, liability insurance, business insurance, or related coverage in Arizona, you will likely need an Arizona property and casualty insurance license.

The Arizona P&C licensing process is straightforward once you know the path: prepare for the correct exam, pass the PSI Property and Casualty Insurance Producer exam, submit your license application, complete fingerprinting if required, and wait for the Arizona Department of Insurance and Financial Institutions to review your application.

This guide walks you through the Arizona P&C license process step by step.

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A Property and Casualty license allows an Arizona insurance producer to sell, solicit, or negotiate property and casualty insurance products. This can include personal auto, homeowners, renters, commercial property, general liability, businessowners policies, workers compensation concepts, umbrella coverage, and other property/casualty products.

In Arizona, insurance licensing is regulated by the Arizona Department of Insurance and Financial Institutions, often called DIFI. The state’s insurance exams are administered by PSI, and Arizona’s resident licensing applications can be submitted electronically through NIPR. NIPR states that Arizona verifies exams before allowing submission of an application, and lists Property and Casualty among the lines of authority that require an exam for resident insurance producers.

The Arizona Property and Casualty Insurance Producer exam is Series 13-34. The exam has 150 items and a 2.5-hour time limit.

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Arizona Property and Casualty Insurance License Overview

The Arizona property and casualty insurance license is designed for individuals who want to work with insurance products that protect people, businesses, vehicles, homes, buildings, and liability exposures.

Common P&C product areas include:

• Personal auto insurance
• Homeowners insurance
• Renters insurance
• Dwelling policies
• Commercial property insurance
• Commercial general liability
• Businessowners policies
• Workers compensation concepts
• Umbrella and excess liability
• Specialty liability insurance
• Flood, earthquake, mobile home, and other specialty property/casualty products

Arizona does not simply test whether you recognize insurance vocabulary. The P&C exam includes state insurance regulation, federal laws, general insurance concepts, property and casualty fundamentals, homeowners, dwelling, auto, commercial property, commercial liability, businessowners policies, specialty coverage, and workers compensation topics.

Think of the exam as a big desert map. Some parts are wide-open basics, but there are also canyons full of policy provisions, exclusions, state-law rules, and liability concepts. You need more than a water bottle and optimism.

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Quick Facts About the Arizona P&C License

Topic	Arizona P&C Detail
License type	Property and Casualty Insurance Producer
Regulator	Arizona Department of Insurance and Financial Institutions
Exam vendor	PSI
Exam series	13-34
Exam name	Arizona Examination for Property and Casualty Insurance Producer
Exam length	150 items
Time limit	2.5 hours
Passing score	70%
Exam fee	$59 for the combined Property and Casualty exam
License application platform	NIPR
Standard insurance producer license fee	$120 state fee
Fingerprints	Required for Arizona residents and relocating nonresidents, unless adding a line to an existing Arizona license
Renewal term	Four years after the initial license term
CE	Arizona resident insurance producers must complete 48 hours of Arizona-approved CE during the license term

The PSI content outline confirms that the Arizona P&C exam is Series 13-34 with 150 items and a 2.5-hour time limit. NIPR lists the Arizona Insurance Producer state application fee as $120, and states that Property and Casualty requires an exam for resident individual insurance producers. Arizona DIFI states that Arizona residents must complete 48 hours of Arizona-approved insurance continuing education during the license term.

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5 Steps to Get a Property and Casualty Insurance License in Arizona

Step 1: Confirm That You Need a P&C License

You need the correct license authority for the insurance products you plan to sell, solicit, or negotiate. Arizona’s resident licensing rules list Property and Casualty as exam-required lines of authority for Insurance Producers.

A Property and Casualty license is usually the right path if you want to work with:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Commercial property insurance
• Business liability insurance
• Businessowners policies
• Umbrella or excess liability
• Workers compensation-related insurance concepts
• Other property/casualty products

For a broader overview of license types, see Insurance Licensing in Arizona: Complete Guide to License Types and Requirements.

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Step 2: Prepare for the Arizona P&C Exam

Arizona’s P&C exam is based on PSI’s official exam content outline. The outline starts with Arizona insurance regulation, federal laws, general insurance concepts, and property/casualty basics before moving into specific policy types and coverage forms.

Do not study randomly. Your study plan should follow the exam outline and give extra attention to high-weight topics.

The Arizona P&C outline includes:

• Insurance Regulation
• Federal Laws and Regulations
• General Insurance Concepts
• Property and Casualty Insurance Basics
• Dwelling Policy Concepts
• Homeowners Policy Concepts
• Auto Insurance
• Commercial Property
• Commercial General Liability
• Businessowners Policies
• Specialty Liability
• Surety
• Umbrella and Excess Policies
• Flood, earthquake, mobile home, and other specialty coverage
• Workers Compensation Laws

The biggest early content blocks include Property and Casualty Insurance Basics at 19%, General Insurance Concepts at 11%, Homeowners Policy Concepts at 11%, and Dwelling Policy Concepts at 8%.

Step 3: Schedule Your PSI Exam

Arizona insurance licensing exams are administered by PSI. NIPR identifies PSI as Arizona’s exam scheduling provider, and Arizona’s resident licensing page states that NIPR verifies exams before allowing submission of an application.

For the P&C license, you will schedule the Arizona Examination for Property and Casualty Insurance Producer, Series 13-34.

Before scheduling, make sure your name and identifying information match your ID exactly. Small mistakes can turn exam day into a paperwork cactus garden.

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Step 4: Pass the Arizona Property and Casualty Exam

The Arizona P&C exam contains 150 items and has a 2.5-hour time limit.

The exam tests both broad concepts and specific Arizona rules. The PSI outline includes Arizona licensing requirements, number of exam attempts, lawful presence, producer regulation, unfair trade practices, claims practices, insurance fraud, privacy protection, continuing education, and disciplinary actions.

That means Arizona law is not a decorative side dish. It is baked into the exam.

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Step 5: Apply for Your Arizona P&C License

After you pass the exam, submit your resident insurance producer license application through NIPR. NIPR lists the Arizona Insurance Producer application fee as $120, not including NIPR transaction fees.

NIPR also notes that Arizona verifies exams prior to allowing submission of an application. For resident producers, Property and Casualty is listed under exam-required lines of authority.

When applying, answer all background questions accurately and provide required supporting documentation when needed. NIPR warns that Arizona can deny a license for causes listed in Arizona law and that applicants should truthfully and completely answer application questions.

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Arizona Property and Casualty Exam Details

Exam Name

Arizona Examination for Property and Casualty Insurance Producer

Exam Series

Series 13-34

Number of Items

150 items

Time Limit

2.5 hours

Exam Vendor

PSI

Application Platform

NIPR

The official PSI Arizona P&C outline identifies the exam as Series 13-34 and confirms the 150-item, 2.5-hour format.

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What Is on the Arizona P&C Exam?

The Arizona P&C exam covers both insurance rules and practical coverage concepts. Below is a student-friendly version of the exam outline.

Arizona Insurance Regulation

This section includes licensing requirements, lawful presence, types of licensees, producer regulation, fingerprinting, renewal, continuing education, disciplinary actions, unfair trade practices, insurance fraud, privacy protection, claims practices, and related Arizona insurance law topics. The PSI outline lists Insurance Regulation as 5% of the exam.

Federal Laws and Regulations

This section includes federal rules such as the Fair Credit Reporting Act, federal insurance crime laws, flood insurance education, the Telemarketing Sales Rule, CAN-SPAM, Gramm-Leach-Bliley, and the Terrorism Insurance Program. The PSI outline lists Federal Laws and Regulations as 2% of the exam.

General Insurance Concepts

This section covers risk, methods of handling risk, hazards, perils, types of insurers, elements of a contract, producer authority, agency law, representations, warranties, misrepresentation, concealment, indemnity, good faith, and related foundations. The PSI outline lists General Insurance Concepts as 11% of the exam.

Property and Casualty Insurance Basics

This is one of the largest early sections of the exam. It includes insurable interest, damages, liability, underwriting, rating, hazards, perils, types of loss, valuation, negligence, torts, policy structure, exclusions, conditions, deductibles, limits of liability, coinsurance, subrogation, duties after loss, mortgage clauses, and other foundational P&C concepts. The PSI outline lists Property and Casualty Insurance Basics as 19% of the exam.

Dwelling Policy Concepts

Dwelling policy questions may test eligibility, perils, Coverage A through Coverage E, other coverages, exclusions, conditions, endorsements, and personal liability supplement concepts. The PSI outline lists Dwelling Policy Concepts as 8% of the exam.

Homeowners Policy Concepts

Homeowners questions may include eligibility, HO forms, Section I property coverages, Section II liability coverages, exclusions, conditions, and common policy forms such as HO-2, HO-3, HO-4, HO-5, HO-6, and HO-8. The PSI outline lists Homeowners Policy Concepts as 11% of the exam.

Auto, Commercial, BOP, Specialty, and Workers Compensation Concepts

The later parts of the outline include personal auto, commercial auto, commercial property, commercial general liability, businessowners coverage, specialty liability, surety, umbrella and excess coverage, flood insurance, earthquake insurance, mobile home coverage, and workers compensation laws. The outline specifically lists other types of P&C insurance at 3% and Workers Compensation Laws at 3%.

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Arizona P&C License Fees

Here are the main costs Arizona P&C candidates should plan for.

Cost Item	Amount
Arizona Property and Casualty exam fee	$59
Arizona Insurance Producer application fee	$120
NIPR transaction fee	Additional NIPR fee may apply
Fingerprint fees	Vary by fingerprint process and processing requirements
Study materials	Varies by provider
Renewal fee	Check current Arizona/NIPR renewal fee at time of renewal
Late renewal	Arizona allows late renewal for up to one year after expiration; rules and fees apply

NIPR lists the Arizona resident Insurance Producer state application fee as $120 and notes that state fees do not include NIPR transaction fees.

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Fingerprints and Background Check Requirements

Arizona requires fingerprinting for many resident insurance license applicants. The Arizona P&C exam outline includes fingerprinting requirements as part of the insurance regulation content tested on the exam.

For licensing, candidates should follow the current Arizona DIFI fingerprinting instructions. Fingerprinting rules can change, and the correct process matters. A delayed or incorrect fingerprint submission can slow the licensing process even after you pass the exam.

NIPR also warns applicants to answer background questions truthfully and completely and to submit supporting documents through NIPR’s Attachments Warehouse when required.

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How to Apply After Passing the Arizona P&C Exam

After passing the Arizona P&C exam, apply for the Insurance Producer license through NIPR.

Application Checklist

Before applying, make sure you have:

• Passed the Arizona Property and Casualty Insurance Producer exam
• Chosen the correct license class and line of authority
• Completed fingerprinting requirements if applicable
• Prepared required background documentation if needed
• Reviewed all application answers for accuracy
• Paid the required state licensing fee
• Submitted any required documents through NIPR’s Attachments Warehouse

NIPR states that applicants must apply only for license classes and lines of authority for which they qualify, and that Arizona cannot refund fees if an applicant applies for a license class or line of authority they do not qualify for.

NIPR also states that applicants must be at least 18 years old.

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Renewal and Continuing Education for Arizona P&C Producers

Arizona resident insurance producers must complete continuing education during the license term. DIFI states that Arizona residents must complete 48 hours of Arizona-approved insurance continuing education during the license term.

NIPR states that applicants may late renew for up to one year after license expiration. After one year, the applicant must reapply as a new applicant.

For P&C producers, renewal is not just a formality. You are responsible for tracking your license expiration date, completing CE, and renewing on time. NIPR notes that whether the Department sends a courtesy notice or not, the licensee is responsible for fulfilling renewal requirements before expiration.

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Arizona-Specific P&C Licensing Notes

Arizona P&C Candidates Use PSI

Arizona insurance exams are administered through PSI. When building your study plan, make sure you are using the current PSI exam content outline, not an outdated vendor bulletin or old exam outline floating around online. The current Arizona P&C outline identifies the exam as Series 13-34.

Property and Casualty Is a Major-Line Producer License

NIPR lists Property and Casualty under exam-required lines of authority for Arizona resident Insurance Producers.

Arizona Law Is Part of the Exam

The Arizona P&C outline includes licensing requirements, producer regulation, unfair trade practices, insurance fraud, claims practices, privacy, and other Arizona regulatory topics.

The P&C Exam Is Broad

Arizona’s P&C exam includes both personal and commercial coverage concepts. Students who only study personal auto and homeowners are leaving too much of the map unexplored. Commercial property, commercial general liability, BOP, umbrella, surety, flood, earthquake, and workers compensation concepts also matter.

Do Not Treat the Exam as Practice

Because Arizona verifies exam completion before the application process, you need to pass before moving forward through the producer licensing path. NIPR states that Arizona verifies exams before allowing application submission.

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Prepare for the Arizona P&C Exam with TESTivity

The Arizona P&C exam is not a tiny quiz wearing a cowboy hat. It is a full licensing exam with 150 items, state law, general insurance concepts, personal lines, commercial lines, and policy language that can feel slippery if you only skim.

TESTivity helps you prepare with a complete multi-tool study system.

TESTivity Platinum Study Package

The TESTivity Platinum Study Package gives Arizona P&C students:

• Study Manual to learn the core material
• Exam Simulator to practice with exam-style questions
• Flashcards to master terms, definitions, and policy concepts
• Audio Course to reinforce learning while driving, walking, or working
• Video Course for guided instruction
• Mind Maps to connect concepts visually
• Learning Games to make repetition less painful
• Test Day Cheat Sheet for final review
• AI Insurance Exam Tutor for help when confusing topics snarl together

The goal is not just to “get through the material.” The goal is to build enough confidence and recall to walk into the PSI exam prepared.

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FAQ: Arizona Property and Casualty Insurance License

About This Arizona P&C Insurance License Guide

GetTheLicense.org helps future insurance professionals understand state licensing requirements, exam steps, and practical study strategies. Our Arizona insurance licensing guides are built using state licensing resources, NIPR information, testing vendor exam outlines, and regulator guidance whenever available.

This Arizona P&C licensing guide references NIPR, Arizona DIFI, and PSI exam outline information. Licensing rules, fees, exam vendors, and procedures can change, so candidates should always confirm final requirements with the Arizona Department of Insurance and Financial Institutions before applying or scheduling an exam.