- 150 scored questions, 2 hours 30 minutes, 70% passing score, closed-book, PSI-administered.
- Property and Casualty Insurance Basics is the largest domain at 19% of the exam.
- Exam fee is $59; Arizona requires no prelicensing education but does require fingerprinting.
- You get four attempts in 12 months, then a one-year wait after a fourth failure.
Exam Snapshot: The Numbers You Must Know
Before you touch a single practice question, memorize the structure of the test itself. The Arizona Examination for Property and Casualty Insurance Producer is governed by the Arizona Department of Insurance and Financial Institutions and delivered by PSI under the identifier Series 13-34. Every candidate faces the same shape: 150 scored multiple-choice items mixed with 5 to 10 unscored experimental questions that you cannot distinguish from the scored ones, so treat every question as if it counts.
- Time allowed: 2 hours 30 minutes
- Passing score: 70%
- Format: closed-book, multiple-choice
- Delivery: PSI test center or live online proctoring
- Fee: $59 per attempt
If any of these numbers feel unfamiliar, slow down before exam day. For a deeper walkthrough of what 70% actually means in terms of raw questions answered correctly, see AZ P&C Passing Score 2026: Exactly What You Need to Pass. For the full cost picture including fingerprinting and retake fees, check AZ P&C Certification Cost 2026: Complete Pricing Breakdown.
Domain Breakdown at a Glance
The current content outline takes effect June 1, 2026 and organizes the exam into 13 domains. Weight percentages tell you where to spend your review hours - a domain worth 19% deserves far more attention than one worth 2%.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 5% |
| 2. Federal Laws and Regulations | 2% |
| 3. General Insurance Concepts | 11% |
| 4. Property and Casualty Insurance Basics | 19% |
| 5. Dwelling Policy Concepts | 8% |
| 6. Homeowners Policy Concepts | 11% |
| 7. Personal Automobile Policy | 11% |
| 8. Commercial Automobile Policy | 4% |
| 9. Commercial Property Policies | 9% |
| 10. Commercial General Liability | 9% |
| 11. Businessowners Policy | 5% |
| 12. Other Types of Property and Casualty Insurance | 3% |
| 13. Workers' Compensation Laws | 3% |
Notice that four domains - Basics, General Insurance Concepts, Homeowners, and Personal Automobile - together account for over half of the exam. For a section-by-section explanation of what each domain actually tests, review AZ P&C Exam Domains 2026: Complete Guide to All 13 Content Areas.
The Big Three Domains That Decide Your Score
If your study time is limited, prioritize these domains first. They combine high weight with content that trips up otherwise well-prepared candidates.
Domain 4: Property and Casualty Insurance Basics (19%)
This is the single largest domain and covers the foundational vocabulary and mechanics that every other domain builds on.
- Insurable interest, indemnity, and the difference between named-peril and open-peril coverage
- Policy structure: declarations, insuring agreements, conditions, exclusions, endorsements
- Underwriting concepts, risk classification, and cancellation/nonrenewal rules
Domain 6: Homeowners Policy Concepts (11%)
Expect detailed questions on the ISO homeowners forms and how coverages A through F interact.
- Differences among HO-2, HO-3, HO-5, HO-6, and HO-8 forms
- Coverage limits, replacement cost vs. actual cash value, and additional living expense
- Liability and medical payments coverage under a homeowners policy
Domain 7: Personal Automobile Policy (11%)
The PAP is tested at a granular level - know each part cold.
- Part A liability, Part B medical payments, Part C uninsured motorist, Part D physical damage
- Who qualifies as an insured under each part
- Exclusions specific to non-owned autos and business use
General Insurance Concepts (11%) rounds out the heavyweight domains and covers contract law basics, agency relationships, and types of insurers - material that overlaps with almost every other section of the exam.
Key Takeaway
Spend roughly 40% of your total study time on Domains 3, 4, 6, and 7 combined - together they make up 52% of the scored questions.
Registration and Test-Day Mechanics
Because Arizona skips prelicensing education, the path to test day is shorter than in many other states - but the compliance steps that remain are non-negotiable.
- Fingerprinting: Resident applicants must complete electronic fingerprinting as part of the licensing process.
- Test scheduling: Book through PSI, choosing either an in-person test center or live online proctoring depending on what's convenient.
- Fee: $59 is due at the time you schedule each attempt.
- Materials: The exam is closed-book - no reference sheets, calculators, or notes at the testing station.
Scheduling flexibility matters when you're coordinating fingerprinting appointments and study milestones. See AZ P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling for how to plan your timeline, and AZ P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify for a complete eligibility checklist.
Retake Rules If You Don't Pass
Know these limits before you schedule your first attempt, not after a disappointing score report.
If you're unsure whether your current preparation level is strong enough to sit for the real thing, the diagnostic breakdown in How Hard Is the AZ P&C Exam? Complete Difficulty Guide 2026 can help you calibrate. You can also review aggregate outcome data in AZ P&C Pass Rate 2026: What the Data Shows before deciding whether to delay your test date for more review time.
Last-Week Review Plan
In the final week before your test date, shift from learning new material to reinforcing weak spots identified through practice testing. This is the one section of this cheat sheet where general study technique applies - but map it directly onto the domain weights above.
Basics and General Concepts
- Re-drill Domain 4 (19%) and Domain 3 (11%) flashcards
- Take a timed practice set focused only on policy structure vocabulary
Homeowners and Personal Auto
- Compare HO forms side by side; drill PAP Parts A-D
- Review missed questions from earlier practice rounds
Commercial Lines and Smaller Domains
- Cover Commercial Property, CGL, Businessowners, and Commercial Auto
- Skim Regulation, Federal Laws, and Workers' Compensation
Light Review Only
- Re-read your weak-area notes; avoid cramming new content
- Confirm test center or online proctoring setup and ID requirements
For a fully detailed week-by-week plan built around a longer runway, see AZ P&C Study Guide 2026: How to Pass on Your First Attempt.
Common Traps in Question Wording
Because the exam is closed-book and multiple-choice, most missed points come from misreading a scenario rather than not knowing the material. Watch for these patterns:
- "Which of the following is NOT covered" - the negative framing is easy to skim past under time pressure.
- Overlapping policy language - questions that describe a loss scenario and ask you to pick which policy form (dwelling vs. homeowners, personal vs. commercial auto) actually responds.
- Similar-sounding coverage parts - Coverage A vs. Coverage C on a homeowners policy, or Part A vs. Part D on the PAP.
- Regulatory definitions - Domain 1 and Domain 2 questions often hinge on precise legal terms rather than practical claims scenarios.
Running full-length timed simulations on our practice test platform is the most reliable way to expose these wording traps before test day, since you'll encounter the same phrasing style repeatedly across sample questions.
Who Actually Uses This License
Passing this exam is the gateway to holding a property and casualty producer license in Arizona. That license is what independent agencies, captive insurance agents, and brokerages check for before they let someone sell homeowners, auto, commercial property, or general liability policies to Arizona residents and businesses. If you're weighing whether the time and $59 fee investment make sense for your career plans, Is the AZ P&C Certification Worth It? Complete ROI Analysis 2026 lays out the tradeoffs, and AZ P&C Salary Guide 2026: Complete Earnings Analysis covers how licensed producers are typically compensated in the field.
Once you're studying seriously, running through realistic scored questions on our full-length practice exams under the actual 2-hour-30-minute time limit is the closest simulation you'll get to the real PSI test-day experience.
FAQ
The exam has 150 scored multiple-choice questions plus 5 to 10 unscored experimental items, and you have 2 hours 30 minutes to complete it.
You need 70% correct on the scored questions to pass the closed-book Series 13-34 exam.
No. Arizona does not require prelicensing education hours, though resident applicants must complete electronic fingerprinting as part of licensing.
You may attempt the exam four times within a 12-month period. After a fourth failure, you must wait one year before attempting again.
Start with Property and Casualty Insurance Basics, the largest domain at 19% of the exam, followed by General Insurance Concepts, Homeowners Policy Concepts, and Personal Automobile Policy.