Arizona Property & Casualty Insurance License Practice Exam
Exam 13-34 follows a 150-question outline with a 2.5-hour limit, and you need 70% correct to pass. No pre-license education is required in Arizona.
Arizona Property & Casualty — Study by Topic
Focus on Arizona insurance law or drill national P&C concepts. Arizona law is tested inside the same exam, not in a separately graded portion. Full 130-question practice exam available.
Property Insurance
Homeowners (HO forms), dwelling, commercial property, inland marine, fire, open vs. named perils, ACV vs. replacement cost.
Casualty & Liability
Auto, CGL, workers' comp, umbrella, bonds, commercial auto, professional liability, employers' liability.
Arizona State Law
DIFI authority, A.R.S. Title 20, producer licensing, attempt limits, fingerprinting, unfair trade practices, claims settlement, fraud, and 48-hr CE.
P&C Concepts
Contract law, insurable interest, subrogation, indemnity, ACV, coinsurance, pro rata vs. short-rate, underwriting.
🌟 Full AZ P&C Exam
130-question timed practice exam modeled on PSI Exam 13-34. The real exam follows a 150-question outline with a 2 hr 30 min limit and a 70% passing score.
About the Arizona Property & Casualty Insurance Exam
Arizona insurance producer exams are administered by PSI Services LLC for the Arizona Department of Insurance and Financial Institutions (DIFI). The combined Property and Casualty exam (13-34) covers commercial and noncommercial lines. Arizona also offers separate Property (13-42), Casualty (13-43) and Personal Lines (13-44) exams. Arizona does not require pre-license education: you may prepare with any study materials you choose, then take the exam and apply on NIPR.
Exam 13-34 follows a 150-question outline and allows 2.5 hours. Arizona law is tested inside the same exam rather than in a separately scored state section, and PSI's bulletin states that you must get 70% correct to pass. The exam fee is $59 for 13-34 ($50 for Property or Personal Lines, $42 for Casualty), and fingerprints are required for resident applicants.
Arizona Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| AZ — 1. Insurance Regulation | ~8 (5%) | Arizona licensing requirements and attempts, lawful presence, fingerprinting, license maintenance and CE, discipline, unfair trade practices, claims settlement, fraud, privacy |
| 2. Federal Laws & Regulations | ~3 (2%) | Fair Credit Reporting Act, 18 U.S.C. §§ 1033–1034, NFIP flood education, Telemarketing Sales Rule, CAN-SPAM, Gramm-Leach-Bliley, Terrorism Insurance Program |
| 3. General Insurance Concepts | ~16–17 (11%) | Risk, classes of insurers, contract elements, producer authority, agency, indemnity, good faith, warranties and representations |
| 4. Property & Casualty Insurance Basics | ~28–29 (19%) | Insurable interest, damages and liability, underwriting and rating, hazards and perils, loss valuation, negligence, policy structure, limits, coinsurance, subrogation, mortgage clauses |
| 5. Dwelling Policy Concepts | ~12 (8%) | Basic, broad and special perils, Coverages A–E, conditions, exclusions, personal liability supplement |
| 6. Homeowners Policy Concepts | ~16–17 (11%) | HO-2, HO-3, HO-4, HO-5, HO-6 and HO-8, Section I and II coverages, exclusions, endorsements |
| 7. Personal Automobile Policy | ~16–17 (11%) | Personal injury protection, liability, medical payments, uninsured and underinsured motorists (including rejection), physical damage, duties after an accident |
| 8. Commercial Automobile Policy | ~6 (4%) | Covered autos, hired and non-owned autos, liability and physical damage, endorsements |
| 9. Commercial Property Policies | ~13–14 (9%) | Commercial package policy, building and business personal property, business income, crime, inland and ocean marine, farm coverage |
| 10. Commercial General Liability | ~13–14 (9%) | Coverages, exclusions, occurrence versus claims-made, premises, products and completed operations, contractual liability |
| 11. Businessowners Policy | ~7–8 (5%) | Section I property and Section II liability, optional coverages |
| 12. Other Types of P&C Insurance | ~4–5 (3%) | Specialty liability, surety, umbrella and excess, mobile home, earthquake, flood |
| 13. Workers' Compensation Laws | ~4–5 (3%) | Coverages and benefits, rating and classification, occupational disease, levels of disability, federal laws |
Question counts are approximate, derived from the weights in PSI's Arizona outline for exam 13-34 (150 items, 2.5 hours). PSI's current bulletin says 5 to 10 unscored experimental questions may appear and does not publish its own count.
What Makes the Arizona Property & Casualty Exam Different
Four different P&C exams. Besides the combined Property and Casualty exam (13-34, commercial and noncommercial), Arizona offers Property (13-42), Casualty (13-43) and Personal Lines (13-44, noncommercial property and casualty only). Fees are $59, $50, $42 and $50 respectively. Failing a multi-line exam counts as a failed attempt for each line.
No separately graded state portion. Arizona-specific material is concentrated in Insurance Regulation, about 8 of 150 questions, covering licensing, discipline, unfair trade practices, claims settlement, fraud and privacy. The remaining sections are general P&C content, and you are scored on the whole exam against the 70% standard.
Arizona auto limits. Arizona's minimum liability limits for an auto policy are $25,000 for one person and $50,000 for two or more people in bodily injury, with $15,000 for property damage, effective July 1, 2020 (A.R.S. § 28-4009 as updated; DIFI minimum coverage page). If a policy bought or renewed on or after that date includes uninsured or underinsured motorist coverage, 25/50 is the minimum amount.
UM/UIM rejection is tested. The outline's personal automobile section lists uninsured and underinsured motorists, including rejection, alongside personal injury protection, medical payments and physical damage coverage.
Surplus lines goes through the P&C lines. An applicant for an Arizona Surplus Lines Broker license must hold an active Arizona producer license with Property and/or Casualty authority, so the P&C exams are the usual starting point (NIPR Arizona resident licensing requirements).
Attempts, fingerprints and CE. You get up to 4 attempts per line in 12 months (A.R.S. § 20-284(H)), then a one-year wait. Residents submit fingerprints through Fieldprint ($8.25 plus a $22.44 FBI/DPS fee), and resident producers complete 48 hours of continuing education per license term, at least 6 in ethics.
Sample Arizona Property & Casualty Insurance Exam Questions
1. What are Arizona's minimum auto liability limits for bodily injury and property damage under the financial responsibility law?
2. A customer wants Arizona coverage for noncommercial homes and personal autos only, with no commercial lines. Which Arizona exam covers that scope?
3. Which license must an applicant hold before applying for an Arizona Surplus Lines Broker license?
Study Tips for the Arizona Property & Casualty Exam
With 150 questions in 2.5 hours, pacing matters. The biggest sections are Property and Casualty Basics (about 28 to 29 questions), then General Insurance Concepts, Homeowners and Personal Auto (about 16 to 17 each), so master policy structure, loss valuation and the personal lines forms first.
Arizona-specific content is a small slice (Insurance Regulation, about 8 questions), but it is easy points if you learn licensing, discipline, unfair trade practices and fraud directly from A.R.S. Title 20. Do not rely on national prep alone for it.
Prefer life and health? Try our Arizona Life & Health practice exam. National content is in our property and casualty practice exam, and our insurance license exam study guide covers strategy.
How to Get Your Arizona Property & Casualty Insurance License
There are four steps to get your Arizona insurance producer license for the Property and Casualty lines.
Steps to Get Your Arizona Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Study (No Pre-License Course) | Arizona does not require pre-license education, and DIFI does not provide or endorse study materials. Use the exam content outline and Arizona Revised Statutes Title 20, and choose the exam that matches your lines (13-34, 13-42, 13-43 or 13-44). |
| 2. Pass the PSI Exam | Register with PSI at a test center or through online proctoring. The fee is $59 for Property and Casualty (13-34). You need 70% correct, with up to 4 attempts per line in 12 months. |
| 3. Apply & Get Fingerprinted | Apply on NIPR within one year of passing (you must be at least 18, and the application fee is $120 plus a NIPR fee). Residents then submit fingerprints electronically through Fieldprint, which cost $8.25 plus $22.44 for the FBI check. |
| 4. Renew & Complete CE | Renew through NIPR up to 90 days before expiration ($120; an extra $100 if late). Complete 48 hours of continuing education per license term, including at least 6 hours of ethics, unless you qualify for the long-standing licensee exemption. |
Arizona Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Exams | Property and Casualty 13-34, Property 13-42, Casualty 13-43, Personal Lines 13-44 |
| Pre-license education | None required |
| Minimum age | 18 |
| Exam | 13-34: 150-question outline |
| Time limit | 2.5 hours |
| Passing score | 70% correct |
| Exam fee | $59 (13-34), $50 (13-42, 13-44), $42 (13-43), paid to PSI |
| Auto minimum limits | $25,000 / $50,000 bodily injury and $15,000 property damage |
| Retake limit | 4 attempts per line in 12 months, then wait one year |
| Application fee | $120 through NIPR, plus a NIPR processing fee |
| Fingerprints | Required for residents (Fieldprint $8.25 + $22.44 FBI/DPS fee) |
| Continuing education | 48 hours per license term, at least 6 in ethics |
| Exam provider | PSI Services LLC |
| Licensing authority | Arizona Department of Insurance and Financial Institutions |
Verified against the PSI Arizona Candidate Information Bulletin (revised June 2026), the Arizona P&C exam content outline, DIFI and NIPR licensing pages, DIFI's minimum auto coverage page, and A.R.S. Title 20. Confirm current fees with PSI and DIFI before you apply.
Our free Arizona Property & Casualty practice exam covers national and Arizona content. You can also try the national property and casualty practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Arizona Property & Casualty Insurance Exam
How many questions are on the Arizona Property and Casualty exam?
Exam 13-34 follows a 150-question content outline and allows 2.5 hours. PSI notes that 5 to 10 unscored experimental questions may be included.
What is the passing score for the Arizona P&C exam?
PSI's candidate bulletin states that you must get 70% correct to pass. Arizona law is tested within the same exam, not in a separately graded state section.
Does Arizona require pre-license education for Property and Casualty?
No. Arizona does not require pre-license education, and DIFI does not provide or endorse study materials.
Which Arizona exam should I take for P&C?
Exam 13-34 covers property and casualty including commercial lines. Separate exams cover Property only (13-42), Casualty only (13-43) and Personal Lines (13-44, noncommercial property and casualty).
How much does the Arizona P&C exam cost?
PSI charges $59 for Property and Casualty (13-34), $50 for Property (13-42) or Personal Lines (13-44), and $42 for Casualty (13-43). Fees are non-refundable and non-transferable.
What are Arizona's minimum auto liability limits?
$25,000 for bodily injury to one person, $50,000 for two or more people, and $15,000 for property damage, effective July 1, 2020 (A.R.S. § 28-4009 as updated; DIFI).
How many times can I retake the Arizona insurance exam?
A.R.S. § 20-284(H) allows up to 4 attempts to pass an exam for a line within a 12-month period. After the fourth failed attempt you must wait one year. You cannot retest on the same day.
How many continuing education hours does Arizona require?
Arizona resident producers must complete 48 hours of Arizona-approved continuing education per license term, including at least 6 hours of ethics. Excess credits do not carry over.