Getting an Arizona insurance license is the first step toward selling insurance, building a career as an agent, or expanding your professional credentials in the state.

Insurance licensing in Arizona is not complicated once you understand the order of operations: determine the license you need, prepare for the correct exam, pass through PSI, submit your application through NIPR, 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 major license types, exam requirements, fees, fingerprints, renewals, and the practical steps to become licensed in Arizona.

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If you want to sell, solicit, or negotiate insurance in Arizona, you generally need the proper insurance license for the line of authority you plan to handle. The Arizona Department of Insurance and Financial Institutions, often called DIFI, regulates insurance licensing in the state, while PSI administers Arizona insurance licensing exams. NIPR is used for many online license applications and renewals.

Arizona offers several insurance license types, including Life Insurance, Accident and Health or Sickness, Life, Accident and Health or Sickness, Property, Casualty, Property and Casualty, Personal Lines, Adjuster, Surplus Lines Broker, Bail Bond Agent, Crop, and other specialty license categories. Each license is valid only for the lines of authority shown on the license.

The good news: Arizona gives you a clear path. The not-so-good news: the exam still requires serious preparation. The PSI bulletin states that exam content outlines are the basis for the exams, and candidates must pass the required exam before applying for the license when an exam is required.

Arizona Insurance License Overview

An Arizona insurance license allows an individual or business entity to conduct insurance activities for the license authority granted by the state. For most new resident producers, the process includes passing a state licensing exam, submitting an application, paying licensing fees, and completing fingerprint/background check requirements.

The most common individual license paths include:

• Life Insurance
• Accident and Health or Sickness
• Life, Accident and Health or Sickness
• Property Insurance
• Casualty Insurance
• Property and Casualty
• Personal Lines
• Adjuster
• Surplus Lines Broker
• Crop Insurance
• Bail Bond Agent

Some license types require an exam, while others may not. Business entity licenses generally do not require examinations, and most nonresidents do not need to complete Arizona exams unless a specific rule applies.

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Who Regulates Insurance Licensing in Arizona?

Insurance licensing in Arizona is regulated by the Arizona Department of Insurance and Financial Institutions.

The department’s Insurance Licensing Section handles licensing requirements, application review, license issuance, renewals, and compliance guidance. NIPR lists Arizona’s insurance licensing information and directs applicants to the Arizona Department of Insurance website for current producer licensing information.

For exam scheduling, Arizona uses PSI. NIPR’s Arizona licensing overview identifies PSI as the exam scheduling provider and lists PSI’s test-taker contact information.

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Quick Facts About Getting an Arizona Insurance License

Topic	Arizona Requirement
State regulator	Arizona Department of Insurance and Financial Institutions
Exam vendor	PSI
Application platform	NIPR or paper application
Common resident producer exams	Life, Accident and Health or Sickness; Property and Casualty; Personal Lines; Life only; Health only; Property only; Casualty only
P&C exam series	13-34
L&H exam series	13-33
P&C exam fee	$59
L&H exam fee	$59
Fingerprints	Required for Arizona residents and nonresidents relocating to Arizona, unless adding a line to an existing Arizona license
Passing score	70%
Exam attempt limit	4 attempts per exam in a 12-month period
Application deadline after passing	Required application materials and fees must be received within one year after passing the exam
Standard license fee	$120 per license class, except certain specialty license types
Initial license term	Between 3 and 4 years, expiring on the last day of the licensee’s birth month
Renewal term	4 years
Renewal window	Up to 90 days before expiration
Late renewal	Available up to one year after expiration with an added $100 late renewal fee

Arizona’s PSI bulletin lists exam series, fingerprint requirements, and exam fees by license line. The bulletin also states that candidates must score at least 70% to pass, and that Arizona insurance exam scores are valid for 12 months according to NIPR’s Arizona overview.

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5 Steps to Get an Arizona Insurance License

Step 1: Choose the Arizona Insurance License You Need

Start by identifying the type of insurance you want to sell or handle. Your license must match your intended work.

For example:

• If you want to sell auto, homeowners, commercial property, or liability insurance, you may need a Property and Casualty license.
• If you want to sell life insurance, health insurance, disability income, Medicare-related products, or annuities, you may need a Life, Accident and Health or Sickness license.
• If you want to handle claims, you may need an Adjuster license.
• If you want to sell only personal auto and homeowners-style coverage, Personal Lines may be the narrower path.

Arizona grants licenses by lines of authority, and each license is valid only for the lines listed on that license.

For a deeper guide to the P&C path, see How to Get a Property and Casualty Insurance License in Arizona.
For the life and health path, see How to Get a Life and Health Insurance License in Arizona.

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Step 2: Review the Arizona Licensing Requirements

Before you schedule an exam, review the licensing requirements for the license you want. PSI’s Arizona candidate bulletin tells candidates to read the Department’s licensing information for the license type they want, then use the bulletin to determine which exam or exams are required.

Arizona’s licensing requirements are based on Arizona Revised Statutes, Arizona Administrative Code, and DIFI policies. The bulletin warns that applicants and licensees are responsible for staying aware of changes in law, code, and department policy.

This is the paperwork-and-rules part of the trail. It is not exciting, but skipping it is how candidates end up taking the wrong exam, missing a form, or delaying their license application.

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Step 3: Prepare for the Arizona Insurance Exam

Arizona’s candidate bulletin says the exam content outlines are the basis for the exams. That means your study plan should follow the state outline, not random internet fragments or half-remembered advice from someone who tested five years ago.

The bulletin also states that DIFI does not provide study materials, does not recommend a specific supplier, and does not evaluate training courses or study materials. Candidates may choose the study materials that meet their needs.

This is where TESTivity fits: it gives students a complete, multi-tool study system built for licensing exams, including a study manual, exam simulator, flashcards, audio, video, mind maps, learning games, cheat sheet, and AI tutor.

For exam-focused guidance, see How to Pass the Insurance Licensing Exam in Arizona.

Step 4: Schedule and Pass the Arizona Insurance Exam

Arizona insurance licensing exams are administered by PSI. The PSI bulletin says the easiest way to schedule is online through the Arizona PSI test-taker portal. Candidates may select the test, choose online proctoring or a test center when available, and pay the exam fee.

On exam day, bring the required identification and follow PSI’s test center or online proctoring rules. Your score is displayed on-screen after the exam, and a score report is emailed to you. If you fail, the score report includes diagnostic information showing strengths and weaknesses by examination type.

Arizona requires a 70% score to pass.

Arizona also has an important retake rule: candidates may attempt an exam up to four times in a 12-month period. After the fourth failed attempt, the candidate must wait one year after the fourth failure before becoming eligible to take that exam again.

That rule makes preparation matter. The PSI exam should not be your practice round.

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Step 5: Apply for Your Arizona Insurance License

After passing the required exam, submit your license application and all required paperwork and fees. Arizona requires the Insurance Licensing Section to receive required application materials, including nonrefundable license fees, within one year after the applicant passes the exam.

Applications may be submitted through the NIPR electronic licensing system or by mail. The PSI bulletin notes that NIPR applications are prioritized and processed faster than paper applications.

If fingerprints are required, they must be submitted using DIFI’s electronic fingerprint process.

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Arizona Insurance Exam Details

Arizona’s exam requirements depend on the license line.

Common exam examples include:

License Line	Exam Series	Fingerprint Required?	Exam Fee
Life Insurance	13-31	Yes	$50
Accident and Health or Sickness	13-32	Yes	$50
Life, Accident and Health or Sickness	13-33	Yes	$59
Property Insurance	13-42	Yes	$50
Casualty	13-43	Yes	$42
Property and Casualty	13-34	Yes	$59
Personal Lines	13-44	Yes	$50
Adjuster	13-36	Yes	$59
Crop	13-46	Yes	$42
Surplus Lines Broker	13-41	Yes	$50

The Arizona PSI bulletin states that exam fees are not refundable or transferable, and the exam fee is valid for one year from the date of payment.

The exam content outlines include the subjects tested for each exam, and Arizona exams are closed book. No reference materials, papers, or study materials are allowed at the examination site.

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Arizona Insurance License Fees

The standard Arizona insurance license fee is $120 per license class, with exceptions for certain license types such as surplus lines broker and life settlement broker. License classes include Insurance Producer, Adjuster, Bail Bond, Rental Car Agent, Risk Management Consultant, Temporary Producer, and others.

Arizona fees are not refundable or prorated, and the bulletin notes that license fees and FBI fingerprint-processing fees may change. Applicants should verify current fees with the Arizona Insurance Licensing Section.

Common Cost Items

Cost Item	Typical Amount
Exam fee	Varies by exam, commonly $42 to $59
Property and Casualty exam	$59
Life, Accident and Health or Sickness exam	$59
Standard license fee	$120 per license class
Fieldprint fingerprinting fee	$8.25
FBI fingerprint processing fee	$22.44
Late renewal fee	$100 plus renewal fee

Fingerprint fees listed in the PSI bulletin include an $8.25 Fieldprint fee and a $22.44 FBI fingerprint-processing fee paid to DPS when registering.

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Fingerprint and Background Check Requirements

Arizona residents and nonresidents relocating to Arizona must submit fingerprints using the Department’s electronic fingerprinting process. However, you are not required to submit fingerprints if you are simply adding a line of authority to an existing Arizona insurance license.

The Arizona Department of Public Safety and the FBI use fingerprints to conduct criminal history background checks. The bulletin also explains that applicants have the opportunity to complete or challenge the accuracy of criminal history information before a licensing decision is made based on that information.

Important timing note: the PSI bulletin says you should not complete your Fieldprint appointment until after submitting your application through NIPR.

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Arizona Insurance License Application Process

Once you pass the required exam, apply for the license through NIPR or by mailing a paper application. For most applicants, NIPR is the better route because the bulletin says NIPR applications are prioritized and processed faster than paper applications.

The application must be complete, accurate, and supported by required documentation. If the application is incomplete, the Department may return it, delaying the licensing decision. The bulletin states that applicants have 60 days from the deficiency date to correct a deficiency; after 60 days, the application may be withdrawn and fees forfeited.

The Department has up to 60 days to determine whether an application is administratively complete and up to an additional 60 days for substantive review, though the bulletin says most license applications are processed within 10 days and electronic applications are usually processed faster than paper ones.

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Arizona Insurance License Renewal and Continuing Education

An initial Arizona insurance license term is between three and four years and expires on the last day of the licensee’s birth month. Future renewal terms are full four-year terms from the previous expiration date, also expiring on the last day of the licensee’s birth month.

Arizona insurance professionals may renew up to 90 days before the license expiration date. If the license expires, the licensee must stop acting under the license. For up to one year after expiration, a person may apply for late renewal by meeting renewal requirements and adding a $100 late renewal fee to the license renewal fee.

Continuing education requirements apply to major-line resident licensed insurance producers. CE does not apply to renewals for certain license types, including adjuster, bail bond agent, self-service storage agent, insurance exchange navigator, or insurance exchange certified application counselor licenses. Limited-line credit and crop-only producers also do not have an insurance CE requirement.

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Arizona-Specific Licensing Notes

Arizona Uses PSI for Insurance Licensing Exams

Arizona insurance exams are administered by PSI. NIPR’s Arizona licensing page lists PSI as the exam scheduling provider, and the current candidate bulletin is branded as a PSI candidate information bulletin.

This matters because older Prometric materials may still appear online. Candidates should use the current PSI and Arizona DIFI resources when preparing, scheduling, and applying.

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Arizona Exam Attempts Are Limited

Arizona allows up to four attempts to pass an exam for a line of authority in a 12-month period. After four failed attempts, the candidate must wait one year after failing the fourth attempt before taking that exam again.

That rule is the rattlesnake in the licensing trail. You do not want to discover it after using the exam as a warm-up exercise.

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Arizona Exams Include State Law

Arizona exam outlines include Arizona Revised Statutes and Arizona Administrative Code. The PSI bulletin specifically points candidates to ARS Title 20 and AAC Title 20, Chapter 6 as state law/regulation resources.

Do not treat Arizona law as a tiny garnish. It is part of the licensing exam ecosystem.

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Some Product Types Require Extra Training

Arizona has additional training requirements for certain insurance products. Accident and health or sickness producers who want to sell, solicit, or negotiate long-term care insurance must complete eight hours of Arizona-approved long-term care training before doing so and four hours during each two-year period after July 1, 2009.

Life insurance producers who want to sell, solicit, or negotiate annuities must complete four hours of Arizona-approved annuity training, with reciprocity available for substantially similar training in another state.

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Prepare for Your Arizona Insurance License with TESTivity

Arizona does not hand you a license just because you want one. You need to know the law, understand the insurance concepts, pass the correct PSI exam, and submit a clean application package.

TESTivity helps you prepare before your exam fee is on the line.

The TESTivity Platinum Study Package gives Arizona insurance students a complete study system:

• Study Manual for the core content
• Exam Simulator for realistic practice questions
• Flashcards for vocabulary and recall
• Audio Course for learning on the go
• Video Course for guided instruction
• Mind Maps for visual learners
• Learning Games for repetition without study-drudgery
• Test Day Cheat Sheet for final review
• AI Insurance Exam Tutor for help when you get stuck

The goal is simple: do not walk into the Arizona insurance licensing exam hoping you are ready. Know you are ready.

FAQ: Arizona Insurance License

About This Arizona Insurance License Guide

GetTheLicense.org helps future insurance professionals understand licensing requirements, exam steps, and practical study strategies by state. Our licensing guides are built from official state insurance department resources, testing vendor bulletins, NIPR information, and current exam content outlines whenever available.

This Arizona insurance licensing guide references Arizona DIFI, PSI, and NIPR licensing resources. Because licensing rules, fees, exam vendors, and procedures can change, candidates should confirm final requirements with the Arizona Department of Insurance and Financial Institutions before applying or scheduling an exam.