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How to Get Your Arizona Insurance License in 2026

A complete step-by-step guide to becoming a licensed insurance producer in Arizona. Two things to know up front: Arizona does not require pre-licensing education, and the state exam moved from Pearson VUE to PSI in September 2025 — a lot of older guides still point to the wrong vendor.

Quick summaryTotal time: 3–6 weeks. Total cost: roughly $260–$300 all-in. No pre-licensing education required — a PSI exam, electronic fingerprints, and a NIPR application are the whole process, and the license you get lasts four years.

Arizona insurance license — quick facts

State regulatorArizona Department of Insurance and Financial Institutions (DIFI)
Exam vendorPSI (test centers + remote proctoring) — replaced Pearson VUE Sept 1, 2025
Pre-licensing educationNot required — exam only
Exam fee (resident)$59 for P&C ($42–$59 per attempt depending on line)
P&C exam format150 scored + 5–10 experimental questions, 2.5 hours, 70% to pass
License application fee$120 per license class (covers all major lines on one producer application) via NIPR
FingerprintingRequired — AZ DPS portal ($22.44) + Fieldprint live scan ($8.25); DPS clearance cards not accepted
License term4 years — initial term 3–4 years, expires end of birth month
CE requirement48 hours per 4-year term, incl. 6 hours ethics

The six steps

  1. 1

    Skip pre-licensing education — Arizona doesn't require it

    Arizona law does not require pre-licensing education for any producer line. The Department of Insurance and Financial Institutions (DIFI) expects you to pass the state exam, however you choose to prepare — so go straight to focused exam prep. Our $49.99 Arizona course gets you exam-ready in 2-4 weeks.

  2. 2

    Schedule your exam with PSI — Arizona's new exam vendor

    Arizona switched from Pearson VUE to PSI effective September 1, 2025, so ignore older guides that mention Pearson VUE (old accounts don't transfer). Create an account at test-takers.psiexams.com/anzins, choose a test center (Phoenix, Tucson, Tempe, Flagstaff, Queen Creek, Surprise, Yuma, and more) or PSI's remote online-proctored option, and pay the fee — $59 for the combined Property & Casualty exam, $50 for Life, $50 for Accident & Health.

  3. 3

    Pass the exam at 70%

    The Arizona Property & Casualty exam (Series 13-34) has 150 scored questions plus 5-10 unscored experimental questions with a 2.5-hour time limit. You need 70% to pass, and your score appears on screen the moment you finish. Heads up: ARS § 20-284(H) caps you at four attempts per line in a 12-month period — after a fourth fail you wait a full year, so prep seriously before you book.

  4. 4

    Register with AZ DPS and get fingerprinted through Fieldprint

    Arizona uses a two-part electronic fingerprint process — and DIFI does not accept the standard Arizona DPS Fingerprint Clearance Card. First, register a background check on the AZ DPS Public Services Portal using fingerprint code INS-055.A and pay $22.44; you'll receive a reference number starting with "A" that goes on your license application. Then, after submitting your NIPR application, book a live-scan appointment through Fieldprint ($8.25).

  5. 5

    Submit your license application through NIPR

    Apply online at nipr.com within one year of passing your exam. Arizona charges a flat $120 fee per license class — one Insurance Producer application covers every line of authority you qualified for (Property and Casualty together, for example), plus a small NIPR transaction fee. Enter your DPS reference number on the application. DIFI processes most applications within about 30 days, and clean electronic filings often clear faster.

  6. 6

    Get appointed by an insurance carrier

    A producer license alone doesn't authorize you to sell — you need at least one carrier appointment. The insurer files the appointment with DIFI; if you're joining an agency, they'll typically handle this on day one.

What's on the Arizona P&C exam

The Arizona Property & Casualty producer exam (Series 13-34) has 150 scored questions plus 5–10 unscored experimental questions, a 2.5-hour time limit, and a 70% passing score. It covers the standard NAIC framework plus Arizona-specific statutes from ARS Title 20. Section weights from the official Series 13-34 content outline:

  • Insurance regulation (ARS Title 20) — 5% (~8 questions)
  • General insurance principles — 5% (~8 questions)
  • Property & casualty basics — 14% (21 questions)
  • Dwelling policy — 9% (~14 questions)
  • Homeowners policy — 15% (~22 questions)
  • Auto insurance (incl. AZ financial responsibility law & UM/UIM) — 13% (~20 questions)
  • Commercial Package Policy (CGL, commercial property, crime, inland marine, farm) — 17% (~26 questions)
  • Businessowners policy — 6% (9 questions)
  • Workers compensation — 8% (12 questions)
  • Other coverages and options (umbrella, surety, flood) — 8% (12 questions)

The Commercial Package Policy and Homeowners sections together are nearly a third of the exam, and Arizona's uninsured/underinsured motorist rules (ARS § 20-259.01) show up often in the auto section — drill them. Try our free Arizona practice exam to see where you stand before booking with PSI.

Arizona switched from Pearson VUE to PSI — what it means for you

Effective September 1, 2025, DIFI moved both licensing exams and CE administration from Pearson VUE to PSI Services. If you started the process before the switch — or you're reading an older guide — three things changed: you must create a fresh account on PSI's Arizona portal (Pearson VUE accounts and reservations did not transfer), exam fees are now $42–$59 depending on the line, and PSI offers remote online-proctored testing alongside test centers in Phoenix, Tucson, Tempe, Flagstaff, Queen Creek, Surprise, Yuma, Parker, Show Low, and Somerton. The exam series numbers, content outlines, and 70% passing standard carried over unchanged.

CE requirements after licensing

Arizona producer licenses run on a four-year cycle — one of the longest in the country. Your first license term is three to four years (it's set to expire on the last day of your birth month), and every renewal after that is a full four years. Resident producers holding a major line of authority must complete 48 hours of Arizona-approved CE per term, including 6 hours of ethics (ARS §§ 20-2902, 20-2903), before submitting the renewal. Producers selling annuities need a one-time 4-hour annuity training course, and those selling long-term care insurance need 8 hours of initial LTC training plus 4 hours every two years — these hours can count toward the 48. You can renew up to 90 days before expiration; miss it and you have up to one year to late-renew with a $100 penalty.

Cost breakdown

  • Exam-prep course: $49.99 with Elite Training Academy
  • PSI exam fee: $59 per attempt for P&C ($42–$59 for other lines)
  • Fingerprinting: $30.69 total — $22.44 to AZ DPS (Public Services Portal) + $8.25 to Fieldprint
  • DIFI license application: $120 per license class via NIPR, plus a small NIPR transaction fee
  • Renewal every 4 years: $120 + CE course costs ($40–$300 depending on provider)

All-in, plan on roughly $260–$300 to go from zero to licensed. The $120 application fee is a flat per-license-class charge — Property and Casualty lines ride on a single Insurance Producer application, so you don't pay per line like in some states.

Ready to start studying?

Start your Arizona insurance license exam prep for $49.99 with lifetime access and 500+ practice questions per course — and with Arizona's four-attempts-per-year limit, walking in prepared matters more here than in most states.

See Arizona exam prep courses →

Frequently asked questions

Does Arizona require pre-licensing education?

No. Arizona law does not require pre-licensing education for insurance producer licenses — there are no mandatory course hours for any line. You only need to pass the PSI exam for each line of authority you want. A structured exam-prep course is strongly recommended (Arizona limits you to four exam attempts per year), but it's not legally required.

Does Arizona use PSI or Pearson VUE for the insurance exam?

PSI. Arizona switched its insurance exam vendor from Pearson VUE to PSI effective September 1, 2025. Register at test-takers.psiexams.com/anzins — accounts created on the old Pearson VUE Arizona portal do not transfer. PSI offers both in-person test centers across Arizona and remote online proctoring.

How many questions is the Arizona insurance exam?

The Arizona Property & Casualty exam (Series 13-34) has 150 scored questions plus 5-10 unscored experimental questions, with a 2.5-hour time limit and a 70% passing score. Single-line exams (Property only, Casualty only, Life, Accident & Health, Personal Lines) are shorter.

How much does the Arizona insurance exam cost?

It depends on the line: $59 for the combined Property & Casualty exam, $50 for Life, $50 for Accident & Health, $59 for the combined Life & Health, $50 for Property only, $42 for Casualty only, and $50 for Personal Lines. Fees are paid to PSI when you schedule, are non-refundable, and are valid for one year from payment.

How much does an Arizona insurance license cost in total?

Roughly $260-$300 all-in for Property & Casualty: $49.99 for exam prep, $59 for the PSI exam, $30.69 for fingerprinting ($22.44 to AZ DPS + $8.25 to Fieldprint), and $120 for the license application, plus a small NIPR transaction fee. Budget an extra $59 per attempt if you need a retake.

Do I need a fingerprint clearance card for an Arizona insurance license?

No — and this trips people up. DIFI does not accept the Arizona DPS Fingerprint Clearance Card. Instead, new resident applicants complete a two-part electronic process: register a background check on the AZ DPS Public Services Portal (code INS-055.A, $22.44), then complete a Fieldprint live-scan appointment ($8.25) after submitting the NIPR application. Fingerprints aren't required when adding a line to an existing Arizona license.

How long does it take to get an Arizona insurance license?

Typically 3-6 weeks. Since Arizona has no pre-licensing requirement, the timeline is mostly study time: 2-4 weeks of exam prep, then schedule and pass the PSI exam (results are instant), complete the DPS/Fieldprint fingerprint process, and file the NIPR application — DIFI processes most applications within about 30 days, and clean electronic filings often clear faster.

How long is an Arizona insurance license good for?

Four years — one of the longest license terms in the country. Your first license runs three to four years and expires on the last day of your birth month; every renewal after that is a full four-year term. Resident producers with a major line must complete 48 hours of continuing education per term, including 6 hours of ethics, before renewing. You can renew up to 90 days early; late renewal is allowed for up to one year with a $100 late fee.

Related guides

Sources cited

This guide is based on Arizona DIFI, PSI, and NIPR published procedures current as of 2026. Fees and procedures change — always verify current requirements at difi.az.gov before relying on any specific number.