- AZ P&C is the Arizona property and casualty producer licensing exam, PSI-administered as Series 13-34.
- It costs $59 and has 150 scored questions plus 5-10 unscored items in 2 hours 30 minutes.
- Passing requires 70%, and the largest domain, Property and Casualty Insurance Basics, is worth 19%.
- Arizona requires no prelicensing education, but resident applicants must complete electronic fingerprinting.
What Is the AZ P&C Exam, Exactly?
The Arizona Examination for Property and Casualty Insurance Producer, commonly shortened to AZ P&C, is the state licensing test that determines whether a candidate can legally sell, solicit, or negotiate property and casualty insurance products in Arizona. It is not a voluntary professional certification you add to a resume for prestige - it is the gatekeeping exam that stands between an applicant and an active Arizona producer license in the property and casualty line of authority.
If you've searched for basic definitions before, you may have also landed on companion pieces like What Does AZ P&C Stand For?, AZ P&C Meaning, or What Does AZ P&C Mean?. This article goes a step further by breaking down exactly what the exam covers, how it's structured, and what it takes to pass it.
Who Governs and Administers It
The exam is governed by the Arizona Department of Insurance and Financial Institutions, the state regulatory body responsible for licensing producers and enforcing insurance law in Arizona. Actual test delivery is handled by PSI, a third-party testing vendor that runs the exam under the designation Series 13-34.
This two-party structure matters because it explains where different pieces of information come from: the Department of Insurance and Financial Institutions sets licensing rules, eligibility requirements, and the content outline, while PSI manages scheduling, test-center logistics, live online proctoring, and score reporting. Understanding this split helps candidates know where to look when they have questions about registration versus questions about content.
Exam Format, Fee, and Scoring
The AZ P&C exam is closed-book and computer-based, and candidates can sit for it either at a physical PSI test center or through live online proctoring from a private location. Both delivery formats use the same content and time allowance.
- Exam fee: $59
- Scored questions: 150 multiple-choice items
- Unscored questions: 5 to 10 experimental items mixed in without identification
- Time allowed: 2 hours 30 minutes
- Passing score: 70%
Because the unscored experimental items are indistinguishable from scored ones, every question on the screen should be treated as if it counts. For a deeper look at exactly how the 70% threshold is calculated and what it means in practice, see AZ P&C Passing Score 2026: Exactly What You Need to Pass. If you're weighing the exam fee against other licensing costs, AZ P&C Certification Cost 2026: Complete Pricing Breakdown lays out the full financial picture.
Key Takeaway
All 150 scored questions are multiple-choice, so success depends on recognizing correct policy language and regulatory definitions quickly - not on essay-style reasoning or math-heavy calculations.
The 13 Content Domains
The current content outline takes effect June 1, 2026, and organizes exam material into 13 domains, each carrying a specific percentage weight of the 150 scored questions. Knowing these weights is the single most useful piece of information for building a study plan, since it tells you exactly where your time is most valuable.
| 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 P&C Insurance (Purpose and General Characteristics) | 3% |
| 13. Workers' Compensation Laws | 3% |
Notice that four domains - Property and Casualty Insurance Basics, General Insurance Concepts, Homeowners Policy Concepts, and Personal Automobile Policy - together account for more than half the exam. For a full domain-by-domain breakdown with subtopics, review AZ P&C Exam Domains 2026: Complete Guide to All 13 Content Areas.
Domain 4: Property and Casualty Insurance Basics (19%)
This is the largest domain on the exam and covers the foundational vocabulary and mechanics that every other domain builds on.
- Policy structure: declarations, insuring agreements, exclusions, conditions, and endorsements
- Underwriting basics, risk classification, and the concept of insurable interest
- Contract law principles as they apply to insurance agreements
Domain 7: Personal Automobile Policy (11%)
This domain tests candidates on the standard personal auto policy structure used across Arizona.
- Liability, medical payments, uninsured/underinsured motorist, and physical damage coverages
- Policy exclusions and who qualifies as an insured under the PAP
- Rating factors and coverage limits terminology
Domain 6: Homeowners Policy Concepts (11%)
Homeowners forms (HO-2, HO-3, HO-5, HO-6, HO-8, etc.) and their coverage differences are central here.
- Coverage A through F and what each protects
- Perils covered under named-peril versus open-peril forms
- Endorsements commonly added to homeowners policies
Eligibility, Fingerprinting, and Retakes
Arizona does not mandate prelicensing education for the P&C line, which sets it apart from many other states. That means candidates are legally free to walk into the exam without ever taking a formal course - though that also raises the stakes on self-directed study, since there's no built-in classroom structure to fall back on.
What Arizona does require of resident applicants is electronic fingerprinting as part of the licensing background check process. This is a separate procedural step from the exam itself, but it's part of the overall path to holding a license, so it shouldn't be an afterthought. A full rundown of every eligibility and paperwork item appears in AZ P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify.
On the retake side, candidates may attempt the exam up to four times within a rolling 12-month period. If a candidate fails on the fourth attempt, Arizona imposes a mandatory one-year waiting period before another attempt is allowed. This makes it worthwhile to treat every sitting seriously rather than viewing retakes as a casual safety net. Scheduling logistics, including how appointments are booked through PSI and how testing windows work, are covered in AZ P&C Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Who Actually Needs This Exam
Passing AZ P&C is the entry requirement for anyone planning to work as an insurance producer selling homeowners, auto, commercial property, general liability, businessowners, or workers' compensation coverage in Arizona. That includes independent agents, captive agents tied to a single carrier, agency employees who quote and bind policies, and some brokerage staff whose roles require a producer license to legally discuss coverage terms with clients.
Insurance agencies, regional carriers, and national insurers operating in Arizona all look for this license when hiring producer-track staff, because it's the legal floor for the job - not an optional add-on. For a broader view of what roles this license opens up and how it fits into career progression, see AZ P&C Jobs. If you're still deciding whether pursuing the license is worth the time and fee investment, Is the AZ P&C Certification Worth It? Complete ROI Analysis 2026 and AZ P&C Salary Guide 2026: Complete Earnings Analysis both dig into that question in more depth.
How to Approach Studying for It
Because the content outline weights domains so unevenly, an efficient study plan mirrors those weights rather than treating all 13 domains equally. Spend the bulk of your calendar time on Property and Casualty Insurance Basics, General Insurance Concepts, Homeowners Policy Concepts, and Personal Automobile Policy, since those four alone make up more than half the scored questions. Save the smaller domains - Federal Laws and Regulations at 2%, Workers' Compensation Laws at 3%, and Other Types of P&C Insurance at 3% - for shorter review sessions near the end of your prep window.
A simple technique that works well here is timeboxing: short, focused blocks (for example, 25-minute sessions) dedicated to one domain at a time, followed by a brief break. Applied to AZ P&C, that might mean two full timeboxed sessions on Property and Casualty Insurance Basics for every one session on Commercial Automobile Policy, simply because the exam rewards that ratio of attention.
Foundation Domains
- Property and Casualty Insurance Basics (19%)
- General Insurance Concepts (11%)
- Insurance Regulation (5%)
Policy-Specific Domains
- Homeowners Policy Concepts (11%)
- Personal Automobile Policy (11%)
- Dwelling Policy Concepts (8%)
- Commercial Property Policies (9%)
- Commercial General Liability (9%)
Smaller Domains and Review
- Businessowners Policy (5%)
- Commercial Automobile Policy (4%)
- Other Types of P&C Insurance (3%)
- Workers' Compensation Laws (3%)
- Federal Laws and Regulations (2%)
For a structured week-by-week plan built specifically around this weighting, see AZ P&C Study Guide 2026: How to Pass on Your First Attempt. Practicing under realistic timed conditions before test day also matters, since 150 questions in 2 hours 30 minutes leaves an average of one minute per question - running full-length practice sessions on our AZ P&C practice test platform is one of the most direct ways to build that pacing instinct.
It's also worth honestly assessing how challenging this exam is likely to be for you personally, based on your existing insurance background. How Hard Is the AZ P&C Exam? Complete Difficulty Guide 2026 and AZ P&C Pass Rate 2026: What the Data Shows both offer useful context for calibrating your prep timeline before you commit to an exam date.
A Fast Reference for the Final Stretch
In the days right before your test, dense study guides become less useful than a condensed reference you can scan quickly. A one-page summary of definitions, coverage triggers, and policy form distinctions works well for last-minute review - the kind of resource covered in AZ P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts. Pairing that with a final timed run-through on the practice test site gives you both content recall and pacing confidence heading into test day.
Frequently Asked Questions
It's a licensing exam. Passing AZ P&C is the testing requirement Arizona sets for issuing a property and casualty producer license - it isn't a standalone professional certification you can hold without pursuing licensure.
No. Arizona does not require prelicensing education for the property and casualty line. Resident applicants do need to complete electronic fingerprinting as part of the licensing process, separate from the exam itself.
150 questions count toward your score. An additional 5 to 10 unscored experimental questions are mixed in but not identified, so every question should be answered carefully.
Candidates get four attempts within a rolling 12-month period. After a fourth failure, Arizona requires a one-year wait before another attempt is permitted.
The exam is administered by PSI and can be taken at a physical PSI test center or through live online proctoring, giving candidates flexibility in how they sit for the closed-book, 150-question test.