AZ Property & Casualty

It satisfies the examination requirement for an Arizona property and casualty producer license, which authorizes you to sell, solicit, and negotiate property and casualty insurance. Passing the exam is only one step: you must also meet DIFI's application, background, and any education requirements before a license is issued.

Yes. The Arizona property and casualty licensing exam is administered in a multiple-choice format. Questions are scored on your ability to pick the single best answer, so practice with four-option items and read every choice before deciding, since several options are usually plausible but only one is fully correct.

DIFI's website does not publish the question count or time limit for the property and casualty exam on the page reviewed here, so no reliable figure can be given. Confirm the current structure with DIFI or the testing vendor's candidate handbook before scheduling, and rehearse with timed sets sized to whatever you are told.

The passing score is not stated in the DIFI material reviewed here, so it is not safe to assume a specific percentage. Rather than targeting a number, aim for consistent scores in the high 80s on practice exams, which gives a comfortable margin regardless of where the cut score sits.

Retake rules, waiting periods, and fees are not published on the DIFI page reviewed for this guide. Check DIFI's licensing resources or the testing vendor's handbook for the current policy. Practically, most candidates who fail do so on state-specific rules or policy exclusions, so review those areas before rebooking.

Start with general insurance concepts, since risk, indemnity, and contract principles underpin everything else. Move to property basics, then casualty basics, then policy coverages and exclusions, which combines the prior two. Finish with insurance regulation, because Arizona-specific rules are easier to retain when studied close to your test date.

Three patterns dominate: memorizing definitions without practicing application, confusing similar coverage forms such as commercial general liability versus commercial auto, and skimping on state regulation because it feels dry. Another frequent error is misreading exclusions questions, where the correct answer is often what the policy does not cover.

A new exam waiver process for Arizona staff adjusters took effect September 12, 2026, associated with Senate Bill 1415. It concerns staff adjusters, not producer candidates, so it generally does not change the producer exam requirement. If you are pursuing an adjuster role rather than a producer license, review the bill information on DIFI's site.

Use DIFI's licensing pages, documents and forms library, and license search at difi.az.gov, and contact the department directly through its agency directory. Because licensing details change, verify fees, license term, continuing education, and renewal rules with DIFI before you rely on any third-party summary, including this one.