Arizona Producer Licensing & Continuing Education
This chapter covers how a person becomes and stays a licensed P&C producer in Arizona: the regulator's authority, license qualifications, appointments, and continuing education. These state rules overlay the shared national material.
The Arizona Department of Insurance and Financial Institutions (DIFI) and Its Authority
Arizona's insurance regulator is the Arizona Department of Insurance and Financial Institutions (DIFI), led by the Director appointed by the Governor. The regulator issues, denies, suspends, and revokes licenses, adopts rules, investigates complaints, and enforces the state insurance code. A common exam point is knowing that this department — not the DMV, the Secretary of State, or a bank regulator — licenses insurance producers.
License Qualifications and Appointments
To sell P&C products in Arizona, an applicant generally must be at least 18, apply, pass the state licensing exam for the property and casualty lines through the department's testing vendor, complete any required background check, and pay the fee. Holding a license lets a person act as a producer, but to represent a specific insurer that company must appoint the producer and file the appointment with the Arizona Department of Insurance and Financial Institutions (DIFI). A producer may hold appointments with several insurers at once.
Continuing Education and Renewal
Resident P&C licenses renew on a set cycle, and Arizona requires approved continuing education each period — including an ethics component — plus the renewal fee. Letting CE or renewal lapse can cause the license to expire, after which reinstatement rules and penalties may apply. Exact CE hour totals are set by the Arizona Department of Insurance and Financial Institutions (DIFI); always verify the current requirement before renewing.
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State-specific details
State exam facts
- State regulator
- Arizona Department of Insurance and Financial Institutions
- Exam vendor
- PSI
- Passing score
- 70%
Who regulates property & casualty insurance licensing in Arizona?
The Arizona Department of Insurance and Financial Institutions (DIFI) licenses property & casualty producers. As of September 2025, PSI Services replaced Pearson VUE as Arizona's exam vendor, so P&C candidates now register through PSI.
What can I sell with an Arizona P&C license?
The property & casualty license covers personal and commercial property/casualty lines — homeowners, personal and commercial auto, general liability, commercial property, and workers' compensation — broader than the personal-only Personal Lines license. A score of 70% is required to pass.
Does Arizona require prelicensing education for the P&C exam?
Arizona's prelicensing requirement has been the subject of recent changes; confirm the current property & casualty requirement directly with DIFI before enrolling in a course.
Sources: https://difi.az.gov, https://www.psiexams.com/
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