Arkansas Property & Casualty Insurance License Practice Exam
85 scored questions (60 general + 25 state), 70% each section. ATT required before scheduling. 20-hr pre-licensing. 25/50/25 auto + mandatory UM/UIM and PIP. PSI Bridge available.
Arkansas Property & Casualty — Study by Topic
Drill Arkansas state law (ACA Title 23) or practice general P&C concepts. 85 scored questions (60 general + 25 state), 70% each section. 25/50/25 auto + mandatory UM/UIM and PIP. ATT required.
Property Insurance
Homeowners (HO-2/3/4/5/6/8), dwelling, commercial property, BOP, NFIP, inland marine, ACV vs. replacement cost, coinsurance, Arkansas tornado/severe weather exposure.
Casualty & Liability
Auto (PAP, 25/50/25, mandatory UM/UIM and PIP both rejectable in writing), CGL, WC, umbrella, bonds, commercial auto, Arkansas modified comparative negligence.
Arkansas State Law
AID, Commissioner appointed, ATT system, 25/50/25 auto + mandatory UM/UIM + mandatory PIP (both rejectable), Rural Risk Underwriting, Farmowners, AR Auto Insurance Plan, AR P&C Guaranty, $90 renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, COI informational, waiver/estoppel, Rural Risk Underwriting, Farmowners (unique AR topic).
🌟 Full AR P&C Exam
85-question timed exam simulating the Arkansas PSI P&C exam. 140 minutes. 70% each section. ATT required before scheduling. 25/50/25 auto + mandatory UM/UIM and PIP. Farmowners and Rural Risk.
About the Arkansas Property & Casualty Insurance License Exam
To get your Arkansas Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70% each section. Exam fee: $50 per exam. Arkansas is regulated by the Arkansas Insurance Department (AID) under Arkansas Code Annotated Title 23. Visit insurance.arkansas.gov for official licensing information. ATT (Authorization to Test) required before scheduling; ~85 scored questions (60 general + 25 state); Rural Risk Underwriting; Farmowners; Arkansas Automobile Insurance Plan; mandatory UM/UIM and PIP (both rejectable in writing); 25/50/25 auto minimums; earthquake deductible; New Madrid Seismic Zone.
Pre-licensing education in Arkansas: 20 hours per line (Property + Casualty = 40 hrs total). Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $90 biennial. CE must be completed before submitting your Arkansas renewal application. How to get licensed in Arkansas: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Arkansas producer license.
How to get a Arkansas Property & Casualty insurance license in 2026: The Arkansas Insurance Department (AID) (insurance.arkansas.gov) administers all producer licensing in Arkansas. Exam: PSI Services LLC, $50 per exam, 70% each section. Pre-licensing: 20 hours per line (Property + Casualty = 40 hrs total). Once licensed, maintain your Arkansas Property & Casualty license by completing 24 hours + 3 ethics biennial and paying the $90 biennial renewal. For questions contact the Arkansas Insurance Department (AID).
ATT system is #1 most-tested fact. P&C state section: 25 scored questions covering AID authority, 25/50/25 auto + mandatory UM/UIM + PIP (both rejectable), Rural Risk Underwriting, Farmowners, AR Auto Insurance Plan, earthquake deductible, WC, AR P&C Guaranty §23-90-101. Tornado Alley + New Madrid seismic zone exposure.
Frequently Asked Questions — Arkansas Property & Casualty Exam
How do I get a Arkansas Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Arkansas: (1) Complete any required pre-licensing education (20 hours per line (Property + Casualty = 40 hrs total)); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($50 per exam, 70% each section); (4) Apply for your Arkansas producer license. The Arkansas Insurance Department (AID) (insurance.arkansas.gov) oversees all insurance producer licensing in Arkansas.
What exam does Arkansas use for Property & Casualty insurance licensing?
Arkansas uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $50 per exam. Passing score: 70% each section. ATT (Authorization to Test) required before scheduling; ~85 scored questions (60 general + 25 state); Rural Risk Underwriting; Farmowners; Arkansas Automobile Insurance Plan; mandatory UM/UIM and PIP (both rejectable in writing); 25/50/25 auto minimums; earthquake deductible; New Madrid Seismic Zone.
Does Arkansas require pre-licensing for Property & Casualty insurance?
20 hours per line (Property + Casualty = 40 hrs total). For official pre-licensing provider information, visit insurance.arkansas.gov.
What are Arkansas's CE requirements for Property & Casualty producers?
Arkansas requires: 24 hours + 3 ethics biennial. Renewal fee: $90 biennial. CE must be completed before submitting the renewal application. Contact the Arkansas Insurance Department (AID) at insurance.arkansas.gov for CE provider information.
What makes Arkansas unique for Property & Casualty insurance licensing?
ATT (Authorization to Test) required before scheduling; ~85 scored questions (60 general + 25 state); Rural Risk Underwriting; Farmowners; Arkansas Automobile Insurance Plan; mandatory UM/UIM and PIP (both rejectable in writing); 25/50/25 auto minimums; earthquake deductible; New Madrid Seismic Zone.
Practice Exam Questions — Arkansas Property & Casualty
5 state-specific questions drawn from the Arkansas exam content outline. Correct answer highlighted in green.
Arkansas auto insurance minimum liability requirements are:
- 15/30/10
- 25/50/20
- 25/50/25 — $25,000 per person, $50,000 per accident, $25,000 property damage; at-fault state
- 50/100/50
Which topic is UNIQUE to the Arkansas P&C state exam section?
- NFIP flood insurance (tested in all states)
- Rural Risk Underwriting (ACA §23-67-220) — prevents discriminatory underwriting against rural properties; unique given Arkansas's predominantly rural character
- HO-3 open perils coverage (national topic)
- Subrogation principles (national topic)
Under Arkansas law, UM/UIM and PIP coverage in personal auto policies is:
- Entirely optional — no UM/UIM or PIP mandate
- Mandatory UM/UIM but no PIP requirement
- Both mandatory — BUT both can be declined in writing by the policyholder; unique hybrid approach
- Mandatory at the same limits as liability with no rejection option
The Arkansas Automobile Insurance Plan is best described as:
- A state-run insurer covering all Arkansas drivers at no cost
- The assigned risk pool for high-risk drivers who cannot obtain coverage in the voluntary market; all Arkansas insurers must participate proportionate to market share
- A federal FEMA program for uninsured motorists
- A voluntary pool only for commercial auto risks
Arkansas is near which major seismic zone, making earthquake coverage especially relevant?
- San Andreas Fault (California)
- Cascadia Subduction Zone (Pacific Northwest)
- New Madrid Seismic Zone — one of the most seismically active regions in the central US; earthquake deductible is a specifically tested Arkansas P&C state topic
- Wasatch Fault Zone (Utah)