What Score Do I Need to Pass the Arizona Insurance Exam?
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Quick Answers:
- You need 70 percent to pass the Arizona insurance exam. It is administered by PSI on a computer, and your score appears on screen the moment you finish.
- Question count and time depend on your line. The Life exam is 100 questions in 2 hours; Property and Casualty is 150 questions in 2.5 hours.
- Arizona law caps you at four attempts in a 12-month period. Miss four times and you wait a full year before retaking that exam.
The short answer is 70 percent. The longer answer is worth a few minutes, because Arizona has a handful of rules that catch people off guard, and Arizona is a market worth getting into. Phoenix is one of the fastest-growing metros in the country, new residents need auto, home, life, and health coverage, and the state's large retiree population keeps demand for Medicare and annuity help high. Here is exactly what the exam asks of you.
The Short Answer: 70 Percent
What Counts as Passing?
To pass an Arizona insurance licensing exam, you need a score of 70 percent. When you finish, your result shows on screen immediately, and PSI emails you a score report with a section-by-section breakdown so you can see where you were strong and where you were not.
The exam blends national insurance content with Arizona statutes and rules, and both are tested, so you cannot skip state law to lean on general knowledge.
What About Combined Two-Line Exams?
One detail trips people up. If you sit a combined exam that covers two lines, such as Life plus Accident and Health, or Property plus Casualty, you must pass each line. Failing one line means failing the whole exam, and you retake the full thing. If you are not confident in both lines yet, it can be smarter to test for one line at a time.
How Many Questions Is the Arizona Exam?
The number of questions and the time you get depend on the line you are testing for. On top of the scored questions, every exam mixes in 5 to 10 unscored experimental questions. They do not count, but you cannot tell which ones they are, so answer every question as if it matters.
Questions and Time by License
- Life, Series 13-31: 100 questions, 2 hours.
- Life, Accident and Health combined, Series 13-33: 150 questions, 2.5 hours.
- Property and Casualty, Series 13-34: 150 questions, 2.5 hours.
- Casualty, Series 13-43: 100 questions, 2 hours.
- Personal Lines, Series 13-44: 100 questions, 2 hours.
What Arizona Law Shows Up on the Exam?
The Arizona portion comes from Arizona Revised Statutes Title 20 and the Arizona Administrative Code. Expect questions on the Director's authority, licensing rules including the four-attempt limit, unfair trade practices, and claims handling. It is a smaller slice than the national content, but it is tested, and it is the part that out-of-state study guides tend to miss. Build it into your plan from the start rather than cramming it last.
Where and How Do You Take It?
In Person or Remote?
PSI administers the Arizona exam. You can test in person at a center, with locations in Phoenix, Tucson, Tempe, Flagstaff, Queen Creek, Surprise, Yuma, and several smaller cities, or by remote online proctoring from home if your computer and webcam pass the system check first. Either way it is computer-based and multiple choice, the questions appear in random order, and it is closed book.
What to Bring on Exam Day?
Plan to check in 30 minutes early with one current, government-issued photo ID, and note that exam fees run about $42 to $59 depending on the line. To pick a date and location, see how to schedule your Arizona examPre License How Do I Schedule My Arizona Insurance Exam Resources. You register and pay through PSIAnzins Test Takers.psiexams.com.
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What Happens If You Don't Pass?
First, do not panic. Plenty of working agents needed more than one attempt. The smart move is to close the specific gaps your diagnostic report flags rather than restudying everything evenly.
How Soon Can You Retake It?
You leave the exam with a diagnostic report showing the areas where you fell short. You cannot rebook on the same day, but you can usually retest as soon as the next day, depending on availability. Use the time in between to target the weak areas the report names.
The Four-Attempt Limit
Arizona law allows four attempts at the same exam within a 12-month period. After a fourth unsuccessful attempt, you must wait one year before you can take that exam again. That rule is the single best reason to prepare properly the first time rather than treating early attempts as practice.
What Is the Pass Rate?
Arizona and PSI do not publish an official pass rate, so be skeptical of any site that quotes a precise Arizona number. Nationally, first-time pass rates for insurance exams commonly run around 50 to 60 percent. The Arizona-law material and the clock are where unprepared candidates lose the points that drop them below 70 percent. A focused study plan is what moves you into the group that passes the first time.
How Do You Prepare for the Arizona Exam?
Do You Need a Pre-Licensing Course in Arizona?
Arizona does not require a pre-licensing course. You are allowed to self-study and book the exam directly. But with a 70 percent bar, a 100 to 150 question exam, and Arizona statutes woven throughout, walking in cold is a gamble most people lose.
A course mapped to the current Arizona content outline covers the national concepts and the Arizona law in the same proportions the exam tests them, which is how you walk in ready instead of hoping. Our Arizona pre-license course is built for that, and our property and casualty exam guide and tips for success round out your approach.
What to Do After You Pass
Once you pass, see your next steps after you pass and how to get your Arizona license, which walk through fingerprinting through Fieldprint and the application through NIPR. License rules and fees are set by the Arizona DIFI.
Your Arizona license starts with one number, 70 percent. Prepare for it the right way and everything after it falls into place.
Walk Into PSI Phoenix Ready, Not Hoping.
Prep that drills Arizona statutes is what gets you ready for 70.