What This License Is
The Arizona Property & Casualty license grants two lines of authority at once: property (first-party coverage for physical loss — homeowners, commercial property, inland marine) and casualty (legal liability — auto liability, CGL, workers compensation, umbrella). It's issued by the Arizona Department of Insurance and Financial Institutions (DIFI) and is the license most independent agencies and commercial brokerages expect.
Arizona also sells each half separately — standalone Property and Casualty licenses with their own exams and guides on this site — and maintains Personal Lines as a distinct narrower license. The combined P&C exam is the default choice because it costs $9 more than one single-line exam and covers the whole field.
P&C authority is also the gateway credential for surplus lines broker authority later (either property or casualty qualifies).
Exam Options & Format
The combined exam is Series 13-34 through PSI: 150 questions, 2 hours 30 minutes, $59 per attempt, 70% to pass, with results on screen at submission. PSI took over Arizona testing from Prometric — verify you're scheduling on the PSI Arizona portal, not an outdated Prometric link.
The split alternatives: Property (13-42, $50) and Casualty (13-43, $42), each 100 questions in 2 hours. Testing both halves separately costs $92 and two sessions against $59 and one — the split path only makes sense when a role genuinely needs a single line.
Sit at any of PSI's ten Arizona test centers (the full address list is in the Property guide) or via live online proctoring (requirements in the Health guide). Fees are non-refundable but valid for a year; reschedule free with 2 days' notice.
Most Tested Topics on the Arizona P&C Exam
The combined exam pulls Arizona-specific questions from across the P&C regulations. The clusters most unique to this exam — the P&C guaranty fund and the regulator itself — are below; the auto/workers-comp table lives on the Casualty guide, the cancellation-notice table on the Personal Lines guide, and the rating-system material on the Property guide, and all of it is fair game here. From the TESTivity Arizona regulations curriculum, statute-verified:
| Concept | The Arizona rule |
|---|---|
| P&C safety net | The Arizona Property and Casualty Insurance Guaranty Fund |
| What it pays | Only the part of a covered claim above $100 and below $300,000 — a $100 floor and a $300K cap |
| Sales inducement | Referencing guaranty-fund protection to make a sale is expressly unlawful |
| Regulator | DIFI — the Department of Insurance and Financial Institutions, the product of Arizona's 2020 consolidation of insurance and banking regulation |
| Who runs it | A Director (not "commissioner"), appointed by the Governor and serving at the Governor's pleasure |
| Where the law lives | ARS Title 20, with rules in Arizona Administrative Code Title 20, Chapter 6 |
| License term | Four years, expiring the last day of your birth month |
| CE | 48 hours per period, 6 in ethics; credit for any given course only once per license period |
| Late renewal | Up to 1 year after expiration, renewal fee plus a $100 late fee — and you stop selling the day it expires |
The $100-floor/$300K-cap structure of the guaranty fund is the classic Arizona P&C question — most states' funds quote a simple per-claim cap, so the floor is the detail that separates prepared candidates. "Director, appointed" (not an elected commissioner) is the other reliable point.
Moving to Arizona With an Existing License
If you already hold a P&C license in another state, Arizona meets you more than halfway — but on a deadline.
The 90-day rule. A producer licensed in another state who establishes Arizona residence must apply to become an Arizona resident licensee within 90 days (ARS §20-285). File through NIPR inside that window with your prior state's letter of certification or license record and, in most cases, no Arizona exam is required for the lines you already held — the exam requirement is what reciprocity waives. Miss the window and you're an ordinary new applicant, PSI exam and all.
Nonresident producers (keeping residency elsewhere, selling into Arizona) apply through NIPR for a nonresident license on their home-state credentials — no exam, no Arizona fingerprints. All nonresident applications must go through NIPR online.
CE reciprocity, both directions. Arizona nonresidents satisfy CE by proof of meeting their home state's requirement — but only if that state reciprocates; otherwise Arizona-approved courses are required. When you convert to Arizona residency, you inherit the full Arizona cycle below.
Either way, fingerprinting applies to resident applications — the two-portal DPS + Fieldprint process is stepped through in the Casualty guide.
Renewing: How the Four-Year Cycle Actually Works
Arizona licenses are quadrennial. Your license expires on the last day of your birth month — a brand-new license runs between three and four years so that every renewal after the first is a clean four-year term (ARS §20-289).
The CE math: 48 hours per period, at least 6 in ethics (ARS §20-2902). Holding multiple lines does not increase the requirement — L&H plus P&C is still 48. One rule that surprises veterans: you may receive credit for a particular approved course only once per license period, so re-taking last cycle's favorite webinar doesn't count twice. P&C-side producers selling flood also owe the one-time 3-hour NFIP course, creditable toward the 48.
Renew early, not late. NIPR accepts renewal up to 90 days before expiration. The Department may or may not send a reminder — renewal is legally your responsibility.
If you miss it: for up to one year you may late-renew by completing the requirements and paying the renewal fee plus $100 — but the license is dead in the meantime, and acting under an expired license is a violation, not a grace period. Past one year, you start over as a new applicant, exam included.
What It Costs
About $210 on a first-attempt pass: $59 combined exam fee to PSI, $30.69 fingerprinting ($22.44 DPS/FBI + $8.25 Fieldprint), $120 application fee to DIFI via NIPR. No pre-licensing course requirement means no course fee unless you choose one — and with retakes at $59 and a four-attempt annual cap, choosing solid prep is the rational spend.
Eligibility Requirements
At least 18, with an Arizona principal residence or a legitimate business presence (ARS §20-285); citizenship is not required. Fingerprint-based DPS and FBI checks accompany every resident application. Records involving fraud, dishonesty, or breach of trust can support denial under ARS §20-295 — disclose everything the application asks; nondisclosure is the surest way to turn a survivable history into a denial.
Quick Reference
Official Links
Don't study generic. Study Arizona.
You've got the roadmap. Now get the Arizona-specific P&C question bank, mock exams, and video course built by instructors with 20+ years teaching this material.