- What Is the AZ P&C Certification?
- Who Governs and Administers the Exam
- Exam Format, Fee, and Scoring
- The 13 Content Domains
- Eligibility and Fingerprinting
- Retake Rules If You Don't Pass
- Who Hires AZ P&C License Holders
- Building a Study Timeline Around the Domains
- Why Candidates Pursue This License
- Frequently Asked Questions
- AZ P&C is the Arizona Examination for Property and Casualty Insurance Producer, administered by PSI under DIFI.
- The exam has 150 scored questions plus 5-10 unscored items, 2 hours 30 minutes, 70% passing score.
- Exam fee is $59; Arizona requires no prelicensing education, only electronic fingerprinting for residents.
- Property and Casualty Insurance Basics is the largest domain at 19% of the exam.
What Is the AZ P&C Certification?
The AZ P&C certification refers to the Arizona Examination for Property and Casualty Insurance Producer, the state licensing exam that anyone seeking to sell property and casualty insurance in Arizona must pass. This is not a voluntary professional designation you add to a resume for prestige - it is the regulatory gatekeeping exam tied directly to obtaining a producer license from the state. If you want a clear breakdown of exactly what this credential is and how it differs from other things people casually call "AZ P&C," start with What Is AZ P&C? and AZ P&C Meaning for additional context before diving into exam mechanics.
Because the acronym "AZ P&C" is used loosely online, it's worth being precise: this article covers only the Arizona producer exam identified by PSI's Series 13-34 designation. Every fact below - fee, format, domains, retake rules - applies specifically to that exam.
Who Governs and Administers the Exam
The exam is governed by the Arizona Department of Insurance and Financial Institutions (DIFI), which sets licensing requirements, and it is administered by PSI, the testing vendor that runs the actual exam sessions. PSI catalogs the exam as Series 13-34. DIFI determines who is eligible to sit for the test and issues the producer license once you pass; PSI handles scheduling, proctoring, and score reporting.
This two-party structure matters for candidates because registration, payment, and rescheduling all run through PSI, while licensing paperwork and background requirements run through DIFI. If you're unclear on the full eligibility picture before you register, review AZ P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Exam Format, Fee, and Scoring
The AZ P&C exam is closed-book and can be taken either at a PSI test center or through live online proctoring, giving candidates flexibility in how and where they sit for it.
- Exam fee: $59
- Scored questions: 150 multiple-choice items
- Unscored experimental items: 5 to 10 additional questions mixed in, indistinguishable from scored ones
- Time allowed: 2 hours 30 minutes
- Passing score: 70%
- Question format: Multiple choice throughout
Because unscored experimental items are mixed in with the 150 scored questions, you cannot identify which questions "count" - the practical implication is that every question deserves the same level of attention and pacing discipline. For a deeper breakdown of exactly how the 70% threshold is calculated and what it means for how many questions you can miss, see AZ P&C Passing Score 2026: Exactly What You Need to Pass.
The 13 Content Domains
The current content outline takes effect June 1, 2026, and organizes the exam into thirteen domains of varying weight. Understanding the weighting is essential because it tells you where to invest your limited study hours.
Domain 4: Property and Casualty Insurance Basics (19%)
This is the largest single domain and covers the foundational vocabulary and mechanics that every other domain builds on.
- Core insurance terminology and contract elements
- Policy provisions common across P&C lines
- Underwriting and rating fundamentals
Domain 3: General Insurance Concepts (11%)
Concepts that cut across every line of insurance, including risk management principles and legal foundations of insurance contracts.
- Elements of insurable risk
- Contract law as applied to insurance
- Types of insurers and distribution
Domain 6: Homeowners Policy Concepts (11%)
Detailed knowledge of homeowners policy forms, coverages, and exclusions.
- Coverage parts A through F
- Perils covered versus excluded by form type
- Endorsements commonly tested
Domain 7: Personal Automobile Policy (11%)
The personal auto policy structure, including liability, medical payments, and physical damage coverages.
- Part A through Part F coverage structure
- Exclusions and conditions
- Uninsured/underinsured motorist provisions
The remaining domains - Insurance Regulation (5%), Federal Laws and Regulations (2%), Dwelling Policy Concepts (8%), Commercial Automobile Policy (4%), Commercial Property Policies (9%), Commercial General Liability (9%), Businessowners Policy (5%), Other Types of Property and Casualty Insurance (3%), and Workers' Compensation Laws (3%) - round out the remaining weight. Together, the four largest domains above account for over half the exam, but no domain is skippable since every point matters against a 70% threshold. For an item-by-item breakdown of what each of the 13 domains actually tests, see AZ P&C Exam Domains 2026: Complete Guide to All 13 Content Areas.
| Domain | Weight |
|---|---|
| Property and Casualty Insurance Basics | 19% |
| General Insurance Concepts | 11% |
| Homeowners Policy Concepts | 11% |
| Personal Automobile Policy | 11% |
| Dwelling Policy Concepts | 8% |
| Commercial Property Policies | 9% |
| Commercial General Liability | 9% |
| Businessowners Policy | 5% |
| Insurance Regulation | 5% |
| Commercial Automobile Policy | 4% |
| Other Types of P&C Insurance | 3% |
| Workers' Compensation Laws | 3% |
| Federal Laws and Regulations | 2% |
Eligibility and Fingerprinting
One notable feature of the Arizona system: the state does not require prelicensing education before you sit for the exam. That's a significant departure from many other states and lowers the barrier to entry, but it also means the burden of learning the material falls entirely on self-study.
Resident applicants must complete electronic fingerprinting as part of the licensing process. This is a background-check step tied to license issuance rather than a study requirement, but candidates should plan for the time it takes to schedule and complete it alongside exam preparation. For the full checklist of prerequisites, timing, and documentation, review AZ P&C Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
Because there's no mandatory prelicensing course, treat the domain outline as your syllabus - nobody is going to hand you a structured curriculum automatically.
Retake Rules If You Don't Pass
Candidates may attempt the AZ P&C exam up to four times within a 12-month period. If a fourth attempt also results in a failure, the candidate must wait a full year before testing again. This retake structure rewards steady, incremental preparation over rushed re-registration, since each failed attempt costs the $59 fee again and burns one of your four chances.
If you're trying to gauge realistically how many attempts candidates typically need, or want an honest look at where people tend to lose points, AZ P&C Pass Rate 2026: What the Data Shows and How Hard Is the AZ P&C Exam? Complete Difficulty Guide 2026 break down exam difficulty in more depth. For a full accounting of the fee plus any related licensing costs, see AZ P&C Certification Cost 2026: Complete Pricing Breakdown.
Who Hires AZ P&C License Holders
Holding an active AZ P&C producer license is what allows you to sell homeowners, dwelling, personal auto, commercial property, commercial general liability, businessowners, and workers' compensation coverage in Arizona - which maps directly onto the domain list above. Independent agencies, captive agency networks tied to national carriers, and insurance brokerages operating in Arizona all look for this license as a baseline hiring requirement for producer roles.
Because the exam blends personal lines (auto, homeowners, dwelling) with commercial lines (commercial property, CGL, businessowners, commercial auto), license holders are positioned to work across both personal and small-commercial books of business rather than being pigeonholed into one specialty. For a look at how this license translates into job opportunities and career paths, see AZ P&C Jobs and, for earnings context tied to producer roles, AZ P&C Salary Guide 2026: Complete Earnings Analysis.
Building a Study Timeline Around the Domains
A study plan for AZ P&C should mirror the domain weighting rather than treating all 13 domains equally. Spend the most calendar time on Property and Casualty Insurance Basics (19%), then layer in General Insurance Concepts, Homeowners, and Personal Automobile (each 11%) before moving to the mid-weight commercial domains.
Foundations
- Property and Casualty Insurance Basics (19%)
- General Insurance Concepts (11%)
Personal Lines
- Homeowners Policy Concepts (11%)
- Personal Automobile Policy (11%)
- Dwelling Policy Concepts (8%)
Commercial Lines
- Commercial Property Policies (9%)
- Commercial General Liability (9%)
- Businessowners Policy (5%)
- Commercial Automobile Policy (4%)
Regulation and Review
- Insurance Regulation (5%)
- Workers' Compensation Laws (3%)
- Other Types of P&C Insurance (3%)
- Federal Laws and Regulations (2%)
- Full-length timed practice
Spaced repetition on policy form terminology (especially recurring homeowners and auto policy language) tends to pay off more than passive rereading, since so many questions hinge on precise coverage-part definitions. For a structured week-by-week plan with more detail, see AZ P&C Study Guide 2026: How to Pass on Your First Attempt, and reinforce recall in the final days with AZ P&C Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Why Candidates Pursue This License
For most candidates, the AZ P&C license is a career necessity rather than an optional credential - you cannot legally sell property and casualty insurance products in Arizona without it. That said, the lack of a prelicensing education requirement means the exam itself is the only real checkpoint, which raises the stakes on preparation quality. Given the $59 fee and the four-attempts-per-year limit, most candidates find it worthwhile to prepare thoroughly using structured practice questions rather than risk repeat attempts.
If you're still weighing whether pursuing this license fits your career goals, or comparing it against other paths into insurance sales, Is the AZ P&C Certification Worth It? Complete ROI Analysis 2026 lays out the tradeoffs in more depth. And if you landed here searching for a plain-language definition rather than exam mechanics, What Is AZ P&C Certification? and AZ P&C Certification cover the same core identity from different angles.
Frequently Asked Questions
Yes - passing the Arizona Examination for Property and Casualty Insurance Producer is the exam component required to obtain a P&C producer license from Arizona DIFI. It's a licensing exam, not a separate voluntary certification.
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 that is separate from exam preparation.
There are 150 scored multiple-choice questions plus 5 to 10 unscored experimental items, for a total exam window of 2 hours 30 minutes. You need 70% correct on the scored items to pass.
The exam is administered by PSI and can be taken either at a PSI test center or via live online proctoring, giving candidates a choice between in-person and remote testing.
You may attempt the exam up to four times within a 12-month period. After a fourth failed attempt, you must wait one full year before you can test again.