Arizona Property & Casualty Insurance License Practice Exam
Exam 13-34: 130 scored questions, 2.5 hours, 70% required on both the national and Arizona state sections independently. Covers ARS Title 20, DIFI authority, Arizona auto law, and P&C-specific state regulations.
Arizona Property & Casualty — Study by Topic
Focus on Arizona state law (graded independently at 70%) or drill national P&C concepts. Full 130-question timed 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, auto financial responsibility, cancellation rules, surplus lines, guaranty association, CE 48 hrs.
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 exam simulating the real PSI Exam 13-34. 2 hrs 30 min. 70% on each section to pass.
About the Arizona Property & Casualty Insurance Exam (Exam 13-34)
To get your Arizona Property & Casualty insurance license, you must pass the state licensing exam administered by Pearson VUE with a passing score of 70%. Exam fee: $40–$74. Arizona is regulated by the Arizona Department of Insurance and Financial Institutions (DIFI) under Arizona Revised Statutes Title 20. Visit difi.az.gov for official licensing information. No pre-licensing required; Fieldprint fingerprinting before applying; Arizona Auto Insurance Plan (assigned risk); 15/30/10 auto minimums (lowest in portfolio); at-fault state; Arizona FAIR Plan.
Pre-licensing education in Arizona: None required. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $27.50–$55 biennial. CE must be completed before submitting your Arizona renewal application. How to get licensed in Arizona: complete pre-licensing → submit background check/fingerprinting → pass Pearson VUE exam → apply for Arizona producer license.
How to get a Arizona Property & Casualty insurance license in 2026: The Arizona Department of Insurance and Financial Institutions (DIFI) (difi.az.gov) administers all producer licensing in Arizona. Exam: Pearson VUE, $40–$74, 70%. Pre-licensing: None required. Once licensed, maintain your Arizona Property & Casualty license by completing 24 hours + 3 ethics biennial and paying the $27.50–$55 biennial renewal. For questions contact the Arizona Department of Insurance and Financial Institutions (DIFI).
DIFI (difi.az.gov) regulates P&C. 15/30/10 auto minimums (among the lowest in the US). No pre-licensing — schedule Pearson VUE directly. Fieldprint fingerprinting before applying. ARS Title 20. Arizona Auto Insurance Plan for high-risk drivers. AZ P&C Guaranty Fund §20-661.
Frequently Asked Questions — Arizona Life & Health Exam
How do I get a Arizona Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Arizona: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Pearson VUE exam ($40–$74, 70%); (4) Apply for your Arizona producer license. The Arizona Department of Insurance and Financial Institutions (DIFI) (difi.az.gov) oversees all insurance producer licensing in Arizona.
What exam does Arizona use for Property & Casualty insurance licensing?
Arizona uses Pearson VUE to administer the Property & Casualty insurance licensing exam. Fee: $40–$74. Passing score: 70%. No pre-licensing required; Fieldprint fingerprinting before applying; Arizona Auto Insurance Plan (assigned risk); 15/30/10 auto minimums (lowest in portfolio); at-fault state; Arizona FAIR Plan.
Does Arizona require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit difi.az.gov.
What are Arizona's CE requirements for Property & Casualty producers?
Arizona requires: 24 hours + 3 ethics biennial. Renewal fee: $27.50–$55 biennial. CE must be completed before submitting the renewal application. Contact the Arizona Department of Insurance and Financial Institutions (DIFI) at difi.az.gov for CE provider information.
What makes Arizona unique for Property & Casualty insurance licensing?
No pre-licensing required; Fieldprint fingerprinting before applying; Arizona Auto Insurance Plan (assigned risk); 15/30/10 auto minimums (lowest in portfolio); at-fault state; Arizona FAIR Plan.
Practice Exam Questions — Arizona Property & Casualty
5 state-specific questions drawn from the Arizona exam content outline. Correct answer highlighted in green.
Arizona's auto insurance minimum liability requirements are:
- 25/50/25
- 25/50/10
- 15/30/10 — $15,000 per person, $30,000 per accident, $10,000 property damage; at-fault state; among the lowest minimums in the portfolio
- 50/100/25
Which program provides last-resort property coverage in Arizona?
- Citizens Property Insurance Corporation (this is Florida)
- Arizona FAIR Plan — Fair Access to Insurance Requirements; last-resort dwelling coverage for properties declined by voluntary market
- Arizona Residual Market Pool (auto only)
- Arizona has no FAIR plan mechanism
Arizona is what type of auto fault system?
- No-fault — mandatory PIP required
- Pure comparative fault — at-fault (tort) state; no mandatory PIP; partially at-fault plaintiffs may still recover proportionate damages
- Choice no-fault (like Kentucky)
- Modified comparative fault with a 50% bar
The Arizona P&C Insurance Guaranty Fund is governed by:
- ARS Title 12 — Courts
- ARS §20-661 et seq. — protects policyholders when an admitted P&C member insurer becomes insolvent; surplus lines NOT covered
- ARS Title 32 — Professions
- ARS §20-682 (this is the L&H Guaranty Association)
Arizona's primary P&C statute is:
- Arizona Administrative Code Title 20 only
- ARS Title 12 (Courts and Civil Proceedings)
- Arizona Revised Statutes Title 20 (Insurance); DIFI administers at difi.az.gov; Commissioner appointed
- ARS Title 32 (Professions and Occupations)