Arizona insurancelicense requirements
Arizona insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $42 to $59 per exam
- License fee
- $120
- Fingerprints
- Required, through Fieldprint
How to become an insurance agent in Arizona
Below, you'll find the steps to a Arizona insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Arizona insurance producers
Contact the Arizona insurance department
How much do insurance agents make in Arizona?
Arizona average insurance agent salary (all lines): $71,340
That is the mean annual wage for insurance sales agents in Arizona in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $82,908
- Health insurance agent: $51,394
- Property and casualty insurance agent: $47,430
Please note that salaries will vary based on experience level and local demand.
Does Arizona require prelicensing education?
No, Arizona does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Arizona?
Becoming an insurance producer in Arizona requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Consider completing a prelicensing course to help prepare for your insurance licensing exam.
- Step 2: Schedule your exam with PSI, Arizona’s testing provider. Register online at https://test-takers.psiexams.com/anzins or by calling (877) 215-7924. Choose either the online proctored option or a test center when you select your exam. To avoid losing your exam fee, make sure to change or cancel your appointment at least 48 hours in advance.
- Step 3: On exam day, bring a valid government-issued ID (driver’s license, passport, military ID, etc.) that includes both a photograph and signature. Without this, you won't be allowed to take the exam. Once you complete the exam, your score will be displayed on the screen, and you'll receive a printed score report. This report will show your overall score, grade, percentage of correct answers, and whether you passed or failed.
- Step 4: After passing your exam, apply for your license through NIPR at https://nipr.com/. For detailed licensing information, visit the Arizona Department of Insurance and Financial Institutions' website at https://difi.az.gov/producers/producer-agentbroker/producer-agentbroker-license-application-individual.
- Step 5: After you submit your application, schedule your fingerprinting appointment with Fieldprint at https://arizona.fieldprint.com/client. Do not complete the appointment before you have submitted the application. Fingerprinting costs $8.25 to Fieldprint plus a $22.44 FBI processing fee paid to the Arizona Department of Public Safety.
If you need assistance with any of these steps or have questions about specific requirements, contact the Arizona insurance department for the most current information.
Arizona insurance exam information
Arizona Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 55.1% (1,496 of 2,714 first-time test takers, 2025) |
Arizona Accident & Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 57.8% (257 of 445 first-time test takers, 2025) |
Arizona Life, Accident & Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 60.3% (1,917 of 3,180 first-time test takers, 2025) |
Arizona Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 75.0% (9 of 12 first-time test takers, 2025) |
Arizona Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 66.7% (8 of 12 first-time test takers, 2025) |
Arizona Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 62.0% (769 of 1,240 first-time test takers, 2025) |
Arizona Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 65.2% (657 of 1,007 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Arizona insurance licensing fees
- Initial individual fees: Resident Insurance Producer $120; Resident Surplus Lines Broker $1,000 (if ≥ 2 years left on producer license) or $500 (if < 2 years); Nonresident Producer $120; Nonresident Surplus Lines Broker $1,000 or $500
- Renewal fees: Resident Producer $120; Resident Surplus Lines Broker $1,000; Nonresident Producer $120; Nonresident Surplus Lines Broker $1,000
Arizona insurance license citizenship requirements
Proof of citizenship required; applicants must meet state requirements, including address and licensing disclosures.
Where can I apply for a resident insurance license in Arizona?
Apply through NIPR
How can I apply for a non-resident insurance license in Arizona?
- 1. Must be at least 18 years old.
- 2. Must hold both a Variable LOA and a Life LOA to sell both fixed and variable life or annuity products.
- 3. Must provide a physical address and must have a current, valid resident license in your home state. Must answer background questions.
- 4. Apply via NIPR and pay the state's initial license fee of $120 plus NIPR processing fees.
- 5. Reciprocity generally waives the prelicensing examination requirement for the same lines of authority.
Arizona carrier appointments and insurance license terminations
- Required to report appointments: No, Registry
- Permits just-in-time appointments: (registry - no)
- Agencies appointed and affiliated producers covered: Agencies can be registered; affiliated producers are not automatically covered
- Initial appointment deadlines/rules: Registry states must maintain internal registry of authorized licensees for state request
- Can be processed via NIPR: No
- Appointment fees: $0
- State renewal period: None (registry)
Arizona insurance license termination details
- Termination reasons: Cancelled; Cancelled for cause
- Termination effective date: via registry (not via NIPR)
- No termination fee listed
- Carriers cannot terminate solely because license expired (registry)
Arizona insurance license renewals
License valid for 4 years ; Renewal period begins 90 days before expiration ; Renewal date: Last day of birth month every 4 years, based on year of first state license issuance ; Late/reinstatement allowed: up to one year after expiration
Arizona insurance license continuing education (CE) requirements
- Total CE hours per renewal: 48 hours
- CE due before license renewal date: Yes
- Ethics requirement: 6 hours
- Flood CE: 3 hours NFIP every two years
- LTC-specific CE: 8-hour initial + 4 hours per renewal
- Annuity CE: One-time 4-hour course
Arizona insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Arizona requires no prelicensing course, so you can book your exam as soon as you are ready. Allow time for your fingerprint appointment too. After you pass, you have 1 year to apply. The state gives this processing time: most within 10 days.
Yes. Arizona candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $42 to $59 per exam for the exam and $120 for the license. Fingerprinting and any exam prep are extra.
No. Arizona does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70%. In 2025, 60.3% of first-time test takers passed the Arizona life and health exam, according to the NAIC.
Yes. Resident applicants in Arizona are fingerprinted through Fieldprint.
Apply through NIPR after you pass your exam.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam provider, exam fee, license fee, fingerprints, passing score, online exams, where to apply, time to apply after passing and processing time: test-takers.psiexams.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Arizona and exam provider sources as of . Licensing rules and fees change, so confirm them with the Arizona insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Arizona, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
