What This License Is
An Arizona Personal Lines license lets you sell property and casualty coverage to individuals and families — homeowners, renters, personal auto, and similar non-commercial risks in Arizona. It is issued by the Arizona Department of Insurance and Financial Institutions (DIFI).
Licensing runs through the same process as every Arizona producer line — the difference is the focused Personal Lines exam.
Exam Options & Format
The Personal Lines exam is Personal Lines (Series 13-44, Prometric): 100 (+5 unscored trial items) questions, 2 hr, $38 per attempt. Passing standard: 70%.
Arizona also offers the combined exam (Property & Casualty (Series 13-34): 150 questions, 2 hr 30 min, $49), which licenses both lines in one sitting. If there is any chance you will sell commercial products later, the combined exam is usually the better value.
Eligibility Requirements
You must be at least 18 and maintain an Arizona residence or a legitimate business presence in the state. A criminal history involving fraud or dishonesty can lead to denial; answer all background questions truthfully.
Passing Score
You need 70% to pass, with your result shown on screen immediately. Aim for a consistent 80% on practice exams before scheduling.
Keeping Your License Active
Important CE details: Includes a one-time 3-hour NFIP flood course by first renewal if you sell flood.
Arizona requires continuing education each renewal cycle. P&C and Personal Lines producers must also complete a one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they sell flood insurance — those hours count toward the CE total. Confirm current requirements on DIFI.
Quick Reference
Official Links
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