What Score Do I Need to Pass the Arizona Insurance Exam?

Understanding Arizona's exam requirements can help you prepare strategically and approach test day with confidence. Here's everything you need to know about passing scores, exam format, and what to expect during your Arizona insurance licensing exam.

Arizona's Passing Score Requirements

Arizona requires a minimum score of 70% to pass the state licensing exam. However, there's a critical detail that often catches many candidates off guard: Arizona requires a score of 70% in order to pass each section, and the two scores are not averaged together.

This means you must achieve:

• 70% or higher on the general insurance section
• 70% or higher on the Arizona state-specific section
• Both requirements must be met independently

If you score 85% on the general section but only 65% on the state section, you will fail the entire exam and must retake both sections.

Exam Structure and Content Breakdown

Arizona insurance exams consist of two distinct sections testing different knowledge areas:

General Knowledge Section

This section covers in-depth product knowledge, industry terms, and insurance concepts including:

• Insurance fundamentals and terminology
• Policy types, coverage options, and exclusions
• Claims processes and procedures
• Federal regulations and tax considerations
• Ethical standards and professional practices

Arizona State Section

This section focuses on Arizona law, rules, and regulations found in the Arizona Revised StatutesProducers Producer Agentbroker Producer Agentbroker License Application Individual Difi.az.gov:

• State licensing and appointment requirements
• Arizona-specific consumer protection laws
• Local market regulations and procedures
• State Department of Insurance guidelines
• Arizona continuing education requirements

For comprehensive exam preparation strategiesResources Pre License How To Study Insurance Licensing Exam Insurance.aceable.com, understanding this dual-section format can help focus your study efforts effectively.

Computer-Based Testing Format

Arizona licensing exams use a modern computer-based testing system administered through PSI Services (transitioning from Prometric):

Testing Environment Features

• Multiple choice questions only - No essay or fill-in-the-blank questions
• Randomized question order - Questions are not grouped by category; they are randomly scrambled
• Immediate scoring - Results are available upon completion
• User-friendly interface - Clear navigation and review capabilities

Question Distribution

The number of questions varies by exam type:

• Life Insurance exam: Typically 100-150 questions
• Health Insurance exam: Typically 100-150 questions
• Property and Casualty exam: Typically 100-150 questions
• Personal Lines exam: Typically 60-100 questions

Time Limits and Management

Most Arizona insurance exams provide:

• 2 to 2.5 hours of total testing time
• Approximately 1-1.5 minutes per question
• No penalty for guessing - Answer every question
• Review capabilities - Flag and return to difficult questions

Remote vs. In-Person Testing Options

Arizona offers flexible testing formats to accommodate different preferences and situations:

Remote Testing with Online Proctoring

This option is available for candidates with compatible technology:

• Computer requirements: Compatible computer or laptop
• Internet connection: High-speed, stable connection required
• Equipment needed: Webcam and microphone (Bluetooth is not compatible)
• Environment: Quiet, private space with proper lighting
• Supervision: Continuous monitoring through a secure proctoring platform

In-Person Testing Centers

This is a traditional testing environment with:

• Locations: PSI centers throughout Arizona (Phoenix, Tucson, Flagstaff, Casa Grande)
• Scheduling: Flexible appointment times including evenings and weekends
• Equipment provided: Computer, monitor, and testing station
• Staff support: On-site assistance for technical issues

Understanding licensing requirementsResources Pre License How To Get Your Insurance License In Arizona Insurance.aceable.com and processes can help you choose the testing format that best supports your success.

Immediate Scoring and Results Process

Arizona provides transparent, immediate feedback on exam performance:

At the Testing Center

• Screen display: Your score appears immediately upon completion
• Printed report: A detailed score report is provided before leaving
• Pass/fail status: Clear indication of overall result
• Section breakdown: Individual scores for general and state sections

Score Report Details

Your printed score report includes:

• Overall percentage score for each section
• Pass/fail status for each section and the overall exam
• Diagnostic information identifying strong and weak content areas
• Next steps guidance for license application or retake preparation

Strategic Preparation for Success

Achieving 70% on both sections requires focused preparation addressing the unique challenges of Arizona's dual-section format:

Content Weighting Strategy

Not all topics carry equal weight on the exam:

• Heavy emphasis areas: Insurance fundamentals, policy provisions, claims
• Moderate emphasis areas: Marketing, underwriting, customer service
• Light emphasis areas: Company operations, technology applications

Focus your study time proportionally on heavily tested content areas.

Arizona State Law Emphasis

Arizona state-specific content often challenges candidates because:

• Local regulations differ from general insurance principles
• Specific statutes require precise memorization
• Recent changes may not be covered in older study materials
• Application scenarios test practical understanding

For proven exam success strategiesResources Pre License How To Pass The Property And Casualty Exam Insurance.aceable.com, allocate significant preparation time to state-specific content.

Common Scoring Challenges and Solutions

Understanding typical obstacles helps you avoid common pitfalls:

Challenge: Uneven Section Performance

Problem: Strong in general concepts but weak in state law
Solution: Dedicate extra study time to Arizona regulations and statutes

Challenge: Time Management

Problem: Running out of time before completing all questions
Solution: Practice with timed exams and develop efficient question-answering strategies

Challenge: Question Interpretation

Problem: Misunderstanding complex or poorly worded questions
Solution: Read questions carefully, identify key terms, and eliminate obviously wrong answers

Test-Taking Strategies for 70%+ Success

Maximize your scoring potential with proven exam techniques:

Before Starting the Exam

• Review tutorial materials - Understand the computer interface
• Plan your time allocation - Budget minutes per section based on question count
• Stay calm and confident - Trust your preparation

During the Exam

• Read questions completely before reviewing answer choices
• Use process of elimination to improve odds on difficult questions
• Flag uncertain questions for review if time permits
• Don't change answers unless you're confident in the correction

Managing Difficult Questions

• Make educated guesses - No penalty for wrong answers
• Look for context clues - Sometimes one question provides hints for another
• Apply logical reasoning - Even when unsure, eliminate obviously incorrect options

For additional career preparation insightsResources Pre License Tips Becoming A Successful Insurance Agent Insurance.aceable.com, develop comprehensive test-taking skills alongside content knowledge.

Understanding Question Types and Formats

Arizona insurance exams feature various question styles designed to test different levels of knowledge:

Definition and Terminology Questions

• Format: "What is the definition of..."
• Approach: Memorize key insurance terms precisely
• Tip: Pay attention to subtle differences between similar terms

Application and Scenario Questions

• Format: Real-world situations requiring concept application
• Approach: Practice identifying relevant principles and their applications
• Tip: Consider all factors presented in the scenario

Calculation and Numerical Questions

• Format: Premium calculations, benefit determinations, time periods
• Approach: Memorize formulas and practice mathematical applications
• Tip: Double-check calculations and unit conversions

Arizona Law and Regulation Questions

• Format: Specific statute requirements and compliance issues
• Approach: Study current Arizona Revised Statutes and regulations
• Tip: Focus on recent changes and updates to state law

Post-Exam Next Steps

If You Pass Both Sections

Congratulations! Your next steps include:

• Wait 24-48 hours for results to be transmitted to the state
• Complete fingerprinting requirements through DPS and Fieldprint
• Submit license application through NIPR or directly to Arizona Department of Insurance
• Pay required fees for licensing and background checks

If You Don't Pass

Don't be discouraged - many successful agents required multiple attempts:

• Review diagnostic report to identify weak areas
• Focus additional study on specific content gaps
• Schedule retake after adequate preparation (remember the 4-attempt limit)
• Consider additional preparation resources if needed

Your Path to Arizona Licensing Success

Arizona's dual-section 70% requirement creates a clear but achievable standard for insurance licensing. By understanding the exam format, preparing strategically for both general and state-specific content, and approaching test day with confidence, you're positioning yourself for first-attempt success.

The key to success is comprehensive preparation that addresses Arizona's unique dual-section format. No tricks - just solid preparation addressing both the breadth of general insurance knowledge and the depth of Arizona-specific requirements needed for professional success.

Understanding what happens nextResources Pre License What Are Your Next Steps After Getting Licensed In Arizona Insurance.aceable.com after licensing can help maintain motivation during your exam preparation.

For those starting with no experienceResources Pre License How To Become An Insurance Agent With No Experience Insurance.aceable.com, proper preparation ensures you have the foundation needed for both exam success and career growth.

Ready to Achieve Your Passing Score on Both Sections?

Don't leave your Arizona insurance exam success to chance. With the state's strict requirement of 70% on each section separately, you need preparation that specifically addresses Arizona's unique dual-section format.