- The AZ P&C exam is Series 13-34, administered by PSI for the Arizona Department of Insurance and Financial Institutions.
- You need 70% correct on 150 scored questions within 2 hours 30 minutes to pass.
- The exam fee is $59, and Arizona requires no prelicensing education, only electronic fingerprinting.
- Property and Casualty Insurance Basics carries the heaviest weight at 19% of the exam.
What the AZ P&C Certification Actually Is
The Arizona Examination for Property and Casualty Insurance Producer - what this site refers to as the AZ P&C certification - is the licensing exam candidates must pass before they can sell property and casualty insurance products in Arizona. It is governed by the Arizona Department of Insurance and Financial Institutions (DIFI) and administered under contract by PSI, where it appears in the testing catalog as Series 13-34.
Unlike some states, Arizona does not mandate prelicensing coursework before you sit for this exam. That makes the exam itself the primary gatekeeper, which is why understanding its exact structure matters more here than in states with hour-based education requirements. If you're still confused about what this credential covers versus similarly-acronymed products, our explainer on what is AZ P&C and the companion piece on AZ P&C meaning both walk through the distinction in plain language.
Registration, Fees, and Eligibility Mechanics
Because there's no prelicensing education requirement, the practical path to sitting for the exam is shorter than in many other lines of insurance licensing. Two mechanical requirements stand out for resident applicants:
- Electronic fingerprinting is required for resident candidates as part of the background check process.
- Exam fee of $59 is paid when you register for the Series 13-34 exam through PSI.
You can sit for the exam either at a physical PSI test center or through live online proctoring, giving candidates flexibility depending on their location and comfort with remote testing environments. For a full breakdown of every dollar involved - fingerprinting, application, and exam fees together - see AZ P&C Certification Cost 2026: Complete Pricing Breakdown. If you want the complete eligibility checklist before you schedule anything, our AZ P&C Requirements 2026 guide lays out every prerequisite step in order.
Key Takeaway
Because Arizona skips prelicensing education, your preparation time is entirely self-directed - there's no classroom pacing you through the material, so a structured personal study plan matters more here than in states with mandatory coursework.
Exam Format: What You'll Face at PSI
The AZ P&C exam is closed-book and computer-based, delivered at a PSI test center or via live online proctoring. Knowing the exact shape of the test lets you pace yourself instead of guessing at timing on exam day.
| Exam Detail | Specification |
|---|---|
| Scored questions | 150 multiple-choice |
| Unscored experimental items | 5 to 10 additional questions |
| Time allowed | 2 hours 30 minutes |
| Passing score | 70% |
| Format | Closed-book, multiple-choice |
| Delivery | PSI test center or live online proctoring |
Notice that the 5 to 10 unscored items are mixed in with the 150 scored questions and are indistinguishable during the test - you won't know which questions count and which don't, so every item deserves full attention. For a deeper look at exactly how the scoring threshold is calculated and what it means for your margin of error, read AZ P&C Passing Score 2026: Exactly What You Need to Pass.
If you're trying to gauge how much of a challenge this exam represents relative to your current knowledge, How Hard Is the AZ P&C Exam? Complete Difficulty Guide 2026 breaks down the difficulty factors domain by domain.
The 13 Content Domains, Weighted
The current content outline takes effect June 1, 2026, and organizes the exam into 13 domains. Each domain's weight tells you roughly how many of the 150 scored questions will come from that area - and that weighting should directly shape how you allocate study hours.
Domain 4: Property and Casualty Insurance Basics (19%)
This is the single largest domain on the exam, covering foundational concepts that underpin everything else tested. Candidates must understand core terminology, policy structure basics, and the general principles that apply across both property and casualty lines before layering on specific policy types.
- Fundamental insurance terminology and contract elements
- Underwriting and rating basics common to P&C lines
- Policy provisions that recur across multiple product types
Domain 3: General Insurance Concepts (11%) & Domain 6: Homeowners Policy Concepts (11%) & Domain 7: Personal Automobile Policy (11%)
These three domains tie for second-largest weight and together make up nearly a third of the exam. General Insurance Concepts covers risk management and legal principles; Homeowners Policy Concepts covers the ISO homeowners forms and endorsements; Personal Automobile Policy covers liability, physical damage, and no-fault provisions specific to personal auto coverage.
Domain 5: Dwelling Policy Concepts (8%), Domain 9: Commercial Property Policies (9%), Domain 10: Commercial General Liability (9%)
This middle tier covers dwelling fire forms, commercial property coverage forms, and CGL - three areas that frequently trip up candidates because the policy language overlaps but the triggers and exclusions differ meaningfully between them.
Domain 1: Insurance Regulation (5%), Domain 11: Businessowners Policy (5%), Domain 8: Commercial Automobile Policy (4%)
These lighter-weighted domains still appear reliably on the exam. Insurance Regulation covers DIFI's authority and licensing rules specific to Arizona; the Businessowners Policy (BOP) domain tests how a package policy bundles property and liability for small commercial risks; Commercial Automobile Policy covers business-use vehicle coverage distinct from personal auto.
Domain 12: Other P&C Insurance Types (3%), Domain 13: Workers' Compensation Laws (3%), Domain 2: Federal Laws and Regulations (2%)
The smallest domains by weight but not necessarily the easiest to skip - workers' compensation statutes and federal regulatory touchpoints show up in a handful of questions each and are often under-studied relative to their appearance rate.
For an exhaustive walk-through of every domain with sub-topics and sample question styles, see AZ P&C Exam Domains 2026: Complete Guide to All 13 Content Areas. And if you want a condensed, one-page reference to review right before test day, the AZ P&C Cheat Sheet 2026 summarizes the highest-yield facts across all 13 domains.
Who Hires AZ P&C Producers
Once licensed, AZ P&C holders typically work for independent agencies, captive carriers, and brokerages writing personal lines (homeowners, dwelling, personal auto) and commercial lines (BOP, commercial property, CGL, commercial auto) across Arizona. Some producers specialize narrowly - focusing on commercial general liability or workers' compensation-adjacent placements - while others carry a broad book spanning most of the 13 domains tested on the exam.
If you're evaluating whether pursuing this license fits your career goals, two resources are worth reading before you register: AZ P&C Salary Guide 2026: Complete Earnings Analysis for compensation context, and Is the AZ P&C Certification Worth It? Complete ROI Analysis 2026 for a broader cost-versus-benefit look. For those exploring the job market directly, AZ P&C Jobs covers common employer types and role titles.
Retake Rules and What Happens If You Fail
Arizona allows candidates to attempt the AZ P&C exam up to four times within a 12-month period. If you fail on your fourth attempt, you must wait a full year before you're permitted to try again. This makes each attempt meaningful - not because attempts are scarce in the short term, but because burning through four attempts without adjusting your preparation strategy leads to a costly year-long delay.
Key Takeaway
If you fail once, don't simply retake the same material the same way. Revisit your weakest domains using the breakdown in the domains guide before scheduling attempt two.
Because Arizona doesn't publish granular pass-rate statistics the way some other jurisdictions do, treat every retake decision analytically: log which questions you missed by domain, and target the ones weighted 8% or higher first. For candidates wanting deeper context on how outcomes trend, AZ P&C Pass Rate 2026: What the Data Shows discusses available data without relying on numbers outside what DIFI and PSI report.
Scheduling itself is flexible since the exam is offered on an ongoing basis rather than fixed testing windows, but you'll still want to plan around fingerprinting turnaround and application processing. See AZ P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling for the full scheduling logistics.
Building a Domain-Weighted Study Plan
With no prelicensing education requirement, your study plan is the only structure standing between you and exam day. The most efficient approach maps study hours directly to domain weight rather than spreading time evenly across all 13 domains.
Property and Casualty Insurance Basics + General Insurance Concepts
- Build the terminology foundation (19% + 11% of the exam combined)
- Work through practice questions on core contract elements daily
Homeowners, Dwelling, and Personal Auto
- Cover Domain 6, Domain 5, and Domain 7 - nearly 30% of scored questions together
- Compare policy forms side by side to avoid mixing up coverage triggers
Commercial Lines Cluster
- Commercial Property, CGL, BOP, and Commercial Automobile (Domains 9, 10, 11, 8)
- Focus on how the BOP bundles concepts already learned in property and liability
Regulation, Smaller Domains, and Full Practice Exams
- Insurance Regulation, Federal Laws, Workers' Compensation, Other P&C Types
- Run full-length timed practice exams to build stamina for the 2 hour 30 minute session
A four-week arc like this works whether you're studying evenly or in short focused bursts - the specific technique matters less than consistently pointing your effort at the domains with the highest weight first. For a more detailed week-by-week breakdown with milestone checkpoints, read AZ P&C Study Guide 2026: How to Pass on Your First Attempt.
Throughout your prep, running full-length timed practice tests on our practice test platform is the closest simulation you'll get to the actual PSI testing experience, including the mix of scored and unscored items you won't be able to distinguish on exam day. Revisiting practice questions across all 13 domains repeatedly, rather than only reading, is what converts passive familiarity into exam-day recall.
If you're brand new to the licensing path and want the broadest possible orientation before diving into domain study, start with AZ P&C Certification, What Is AZ P&C Certification?, or What Does AZ P&C Mean? - each approaches the same core facts from a slightly different angle. For structured coursework to supplement self-study, AZ P&C Training covers available preparation options.
Frequently Asked Questions
No. Arizona does not require prelicensing education for this exam. Resident applicants do need to complete electronic fingerprinting as part of the licensing process, but there is no mandated classroom or course-hour requirement before you register with PSI.
The exam contains 150 scored multiple-choice questions plus 5 to 10 unscored experimental items, for a total time allowance of 2 hours 30 minutes. You will not be able to tell which questions are scored and which are experimental.
You need 70% correct on the scored portion of the exam to pass. See AZ P&C Passing Score 2026 for a full explanation of how that threshold applies across the 150 scored questions.
The exam fee is $59, paid when you register for Series 13-34 through PSI. This does not include separate fingerprinting or state application fees, which are covered in AZ P&C Certification Cost 2026.
You may attempt the exam up to four times within a 12-month period. If you fail on your fourth attempt, you must wait one full year before you are permitted to attempt it again, so it pays to adjust your study approach after each unsuccessful attempt rather than repeating the same preparation.
Start with Property and Casualty Insurance Basics, since it is the largest domain at 19% of the exam and underpins concepts tested throughout the other 12 domains, including Homeowners Policy Concepts and Personal Automobile Policy.