What This License Is
An Arizona Adjuster license lets you adjust, investigate, and negotiate settlement of claims arising under property and casualty insurance contracts for compensation. It's issued by the Arizona Department of Insurance and Financial Institutions (DIFI).
Arizona's statute defines who needs it — and, just as importantly, who doesn't. Salaried employees of insurers (whose pay isn't contingent on claim outcomes), attorneys, producers adjusting losses under policies they placed, technical specialists like engineers and estimators, and workers'-compensation-only claim specialists are all excluded from the definition (A.R.S. § 20-321). The license is aimed squarely at independent adjusters.
There's no mandatory pre-licensing education — you qualify by passing the Prometric exam and clearing a fingerprint background check.
Eligibility Requirements
You must be at least 18 years old and trustworthy — a criminal history involving fraud or dishonesty can lead to denial; answer all background questions truthfully.
First-time applicants complete Live Scan fingerprinting, conveniently available at Prometric test centers on exam day (applicants who submitted prints within the past year, or who are adding authority to an existing license, are exempt).
Nonresidents holding a resident adjuster license in good standing in their home state can apply by reciprocity without testing; nonresidents whose home state doesn't license adjusters must pass Arizona's exam like a resident.
The Arizona Adjuster Exam
Prometric administers Arizona's insurance exams at test centers statewide and nationwide, plus remote proctoring through ProProctor. The Adjuster exam (code 13-36) costs $49 per attempt and covers property and casualty claims handling, policy provisions, and Arizona insurance law.
Schedule online at prometric.com/arizona/insurance; reschedule at least 48 hours ahead or you forfeit the fee.
Once you pass, your exam result is valid for one year — apply through NIPR ($120) before it expires.
Passing Score
You need 70% to pass (VERIFY exact scoring convention), with results provided at the test center. Aim for a consistent 80% on practice exams before scheduling.
Keeping Your License Active
Important CE details: Arizona requires no continuing education for adjusters — the license simply renews every 4 years.
Here's Arizona's biggest perk: adjusters have no continuing-education requirement at all. Producers in Arizona carry CE obligations — adjusters don't.
The license runs 4 years, expiring on the last day of your birth month, and renews through NIPR for the standard fee. Miss the deadline and you have a one-year grace period to late-renew with a penalty; after that, you start over as a new applicant (A.R.S. § 20-289).
Quick Reference
Official Links
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