How to Get Your Arizona Insurance License in 2026
Arizona has no mandatory pre-licensing hours — but the PSI exam is tough with a 50–60% first-time pass rate. Compare 4 DIFI-approved exam prep courses, get fingerprinted through Fieldprint, and get your AZ insurance license fast.
Exam Prep Cost
$140 – $399
Time to License
2 – 4 weeks
Avg AZ Salary
$65,000/yr
Required Hours
None required
Arizona Has No Mandatory Pre-Licensing Education
Unlike most states, Arizona does not require any pre-licensing hours for a standard insurance license. You can study on your own schedule and go straight to the PSI exam. Prep courses are strongly recommended (first-time pass rates are ~50–60%) but completely optional. Also note: Arizona switched from Prometric to PSI in September 2025 — third-party sites referencing Prometric are outdated.
Top 3 Arizona Insurance Exam Prep Courses
1. WebCEBest Value
Lowest price for AZ exam prep starting at $109.95. Covers Life & Health, P&C, and Personal Lines tracks. 94% pass rate with EXCEED microlearning add-on available.
From $109.95
exam prep only
2. ExamFXConfidence Guarantee
Three tiers for all AZ lines (Self-Study, Video, Live Online). 99% pass rate claim with confidence guarantee. Covers L&H, P&C, and Personal Lines.
From $169.95
3. Kaplan Financial Education
Most comprehensive AZ course library. Five tiers ($139–$349) including live instructor option. Career Launcher tier includes business-building tools for new agents.
From $139
Best Arizona Insurance Exam Prep Courses
All 4 schools are Arizona DIFI-approved. Price: Low to High.
Quick Price Comparison (Course Only)
Kaplan Financial Education
Starting at
$139
- Most comprehensive AZ insurance course library
- Live instructor-led option (Premium Live Online)
- Career Launcher tier includes business-building tools
- L&H, P&C, Personal Lines: 5 tiers ($139–$349)
Available Packages (10)
Life & Health — Basic
- AZ L&H exam prep — self-study online or print
- Core exam content coverage
- Practice questions included
- PSI exam-focused materials
ExamFX
Starting at
$169.95
- 99% pass rate claim with confidence guarantee
- Same 3-tier pricing across all AZ license lines
- Self-Study, Video, and Live Online tiers
- AZ-specific prep for L&H, P&C, and Personal Lines
Available Packages (9)
Life & Health — Self-Study
- AZ Life & Health exam prep
- Online self-study materials
- Practice questions and simulated exams
- AZ state-specific content
A.D. Banker
Pass GuaranteeStarting at
$169.95
- State-approved prelicensing provider -- reports completions to regulator
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online course
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- Two clear tiers: Standard $199 / Premier $299
- All 3 AZ tracks: L&H, P&C, and Personal Lines
- AZ-specific exam prep for PSI exam
- Dedicated AZ course pages per license track
Available Packages (6)
Life & Health — Standard
- AZ Life & Health exam prep
- AZ state exam content coverage
- Online self-study format
- Practice questions included
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is an Arizona Insurance License?
An Arizona insurance license is a state-issued credential required by the Arizona Department of Insurance and Financial Institutions (DIFI) to legally sell insurance products in Arizona. Unlike most states, Arizona does not require pre-licensing education for a standard license — you can go straight to the PSI exam. All applicants must pass a fingerprint-based background check through Fieldprint and apply via NIPR after passing.
Arizona offers several license types. The most common are the Life & Accident/Health (combined) license (covers life, health, and accident products) and the Property & Casualty (combined) license (covers auto, homeowners, commercial, and liability insurance). The Personal Lines license covers personal auto, homeowners, and renters insurance only.
Life & A/H (Combined)
~$53 exam fee
Life, annuities, health & disability insurance
Property & Casualty
~$59 exam fee
Auto, home, commercial & liability insurance
Personal Lines
~$43 exam fee
Personal auto, homeowners & renters
How Much Do Arizona Insurance Agents Earn?
AZ State Average
$60,000–$70,000/yr
Sources: ZipRecruiter 2025, BLS OES 2023
Scottsdale (Top Market)
$68,000–$80,000/yr
High-net-worth client base
Commission Structure
Life Insurance
- • First-year commission: 40–100% of annual premium
- • Renewal commission: 2–10% per year
- Example: $1,000/yr policy at 70% = $700 earned
Property & Casualty
- • New policy commission: 5–20% of premium
- • Renewal commission: 8–12% of premium
- Example: $2,000/yr auto at 12% = $240/policy
Salary Range by Career Stage
Entry Level
$35,000–$50,000
First 1–2 years
AZ Average
$60,000–$70,000
State average salary
Top Producers
$100,000–$150,000+
Phoenix & Scottsdale
Top AZ Insurance Markets
Is an Arizona Insurance License Worth It?
👍 Pros
- + No Pre-Licensing Required: One of the few states where you can skip straight to the exam — saving time and money on mandatory coursework.
- + 4-Year Renewal Cycle: Arizona's 4-year renewal is double the 2-year cycle used by most states — less frequent CE requirements to manage.
- + Fast-Growing Market: Arizona's population growth (top 5 nationally) drives steady demand for auto, home, health, and life insurance products.
- + Online Exam Option: PSI Bridge allows remote proctored exams — no need to travel to a test center if you prefer testing from home.
👎 Cons
- - Exam Pass Rate ~50–60%: Without structured prep, many candidates fail on the first attempt — costing an additional $43–$59 exam fee per retake.
- - High Application Fee: Arizona's $120 NIPR application fee is significantly higher than most states, which typically charge $30–$50.
- - Commission-Dependent Income: Most agents earn primarily through commissions — income can be variable in the first year before building a book of business.
- - Post-Exam Fingerprinting: You must pass the exam before scheduling Fieldprint — you can't run background check and exam prep in parallel.
How to Get Your Arizona Insurance License
Choose Your Line of Authority
Decide which type(s) of insurance you want to sell: Life, Accident & Health, Life & A/H (combined), Property & Casualty (combined), or Personal Lines. Most new agents start with either a Life & Health license or a Property & Casualty license. You can hold multiple licenses and add additional lines by passing additional exams. Check insurance.az.gov to confirm current requirements for your chosen line of authority.
Complete an Exam Prep Course (Strongly Recommended)
While Arizona does NOT require pre-licensing education hours by law, completing a prep course dramatically improves your chances of passing the PSI exam on your first try. Arizona's insurance exam has a roughly 50–60% first-time pass rate nationally. Quality online prep courses from providers like WebCE, Kaplan, ExamFX, or Xcel cover both general insurance principles and Arizona-specific laws and regulations (A.R.S. Title 20). Self-paced online courses typically cost $109.95–$399 and take 2–4 weeks of part-time study.
Register and Pass the PSI State Exam
Arizona uses PSI (effective September 3, 2025, replacing Prometric) to administer all insurance licensing exams. Register online at test-takers.psiexams.com/anzins or call PSI at (877) 215-7924. You can also test via the PSI Bridge online remote proctoring platform from home. Bring one valid government-issued photo ID on exam day. You must score 70% or higher on each section independently — sections are scored separately and cannot be averaged together. If you fail, you must wait and pay the full exam fee again for each retake.
Get Fingerprinted via Fieldprint
After passing your exam, schedule a fingerprinting appointment at arizona.fieldprint.com. Use fingerprint code INS-055.A when prompted. Do NOT schedule your fingerprint appointment until after passing your exam — all fees are non-refundable if you haven't passed yet. Complete the AZDPS Public Services Portal forms, pay the fingerprint fee (~$31 total), and receive a Reference Number from the DPS. Your fingerprints are electronically submitted to DIFI for the background check.
Submit Your License Application via NIPR
Apply for your Arizona insurance producer license online through NIPR (nipr.com) using Form L-LTD. The application fee is $120 (non-refundable) — note this is higher than most states. Arizona resident applicants must also submit Form L-152 (Lawful Presence verification) if fingerprints were not submitted electronically. DIFI reviews applications and issues licenses once all requirements are satisfied (typically 1–2 weeks).
Get Appointed by a Carrier or Agency
To legally sell insurance products in Arizona, you must be appointed by a licensed insurance carrier or agency. Arizona is a "registry state" for appointments, meaning carriers maintain an internal registry of authorized agents rather than filing formal state appointments. Join an established agency, a captive carrier program (such as State Farm, Allstate, or Farmers), or pursue an independent agency contract to start building your book of business.
Arizona Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Must have a valid U.S. Social Security Number (SSN)
- Must be a lawful U.S. resident (Form L-152 required)
- Must pass fingerprint-based background check (Fieldprint/AZDPS)
- No college degree required
- Certain felony convictions may disqualify applicants (A.R.S. § 20-295)
Pre-Licensing Education
- Standard license: 0 hours required
- Prep courses strongly recommended (50–60% first-time pass rate)
- Self-study is free; structured prep courses from $109.95
- Cover A.R.S. Title 20 (Arizona insurance law) in your prep
Exam Requirements
- PSI exam (replaced Prometric effective September 3, 2025)
- Single-line: 100 questions, 2-hour time limit (~$43 fee)
- Combined-line: 150 questions, 2.5-hour time limit (~$53–$59 fee)
- 70% passing score required on each section
- In-person at PSI test centers or online via PSI Bridge
- Register at test-takers.psiexams.com/anzins
Application & Licensing
- Fingerprint via Fieldprint after passing exam (~$31)
- Apply via NIPR (nipr.com) — $120 non-refundable fee
- Exam results valid for 1 year from date of passing
- DIFI processes applications typically within 1–2 weeks
- Renewal every 4 years; 48 CE hours (6 ethics) required
Arizona Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Arizona insurance license in 2026:
| Cost Item | Amount | Required? |
|---|---|---|
| Exam Prep Course | $110–$399 | Optional |
| PSI Exam Fee (Single Line) | ~$43 | Required |
| PSI Exam Fee (P&C Combined) | ~$59 | Required |
| Fingerprinting (Fieldprint) | ~$31 | Required |
| License Application (NIPR) | $120 + ~$5.60 | Required |
| Estimated Total | $334–$609 |
All state and government fees are non-refundable. Education costs vary by provider and package.
The Arizona Insurance Exam — What to Expect
Single-Line Exam (Life, A&H, or Personal Lines)
- Questions: 100 questions
- Time limit: 2 hours
- Passing score: 70% on each section
- Fee: ~$43 per attempt
- Provider: PSI (in-person or PSI Bridge online)
Combined-Line Exam (Life & A/H or P&C)
- Questions: 150 questions
- Time limit: 2.5 hours
- Passing score: 70% on each section
- Fee: ~$53–$59 per attempt
- Best for: Agents wanting full L&H or P&C authority
General Exam Topics
- Insurance concepts, principles, and policy provisions
- Types of policies and coverage
- Policy provisions and riders
- Underwriting principles
- Federal insurance laws and regulations
- Claims procedures
- Agent duties and ethical obligations
AZ State-Specific Topics
- Arizona insurance laws and regulations (A.R.S. Title 20)
- DIFI rules and producer requirements
- Arizona-specific policy requirements
- State consumer protection laws
- Replacement rules and suitability
- Arizona market conduct requirements
- Producer and consumer protection rules
- Arizona-specific ethics standards
💡 PSI Exam Tips for Arizona
Bring one valid government-issued photo ID on exam day. Online testing is available via PSI Bridge — a legitimate option if you prefer testing from home. If you fail, there is no mandatory waiting period between retakes, but you must pay the full exam fee for each attempt. Cancel or reschedule at least 48 hours in advance or forfeit your exam fee. Exam results are valid for one year — apply for your license before they expire.
How Long Does It Take to Get an Arizona Insurance License?
2 – 3 weeks
Full-Time
Studying 4–6 hrs/day, quick scheduling
3 – 5 weeks
Part-Time
1–2 hrs/day evenings or weekends
5 – 10 weeks
Casual Pace
A few hours per week
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your license type and line of authority | 1 day |
| 2 | Study for the PSI exam (no course required — prep recommended) | 2–4 weeks |
| 3 | Schedule & pass PSI exam (in-person or PSI Bridge online) | 1–2 weeks |
| 4 | Schedule Fieldprint fingerprint appointment (after passing exam) | 1–3 days |
| 5 | Submit license application via NIPR ($120 fee) | 1–2 days |
| 6 | DIFI reviews and issues license | 1–2 weeks |
Note: Unlike most states, AZ requires fingerprinting AFTER passing the exam — you cannot run background check and exam prep in parallel. Plan accordingly.
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Frequently Asked Questions
How much does it cost to get an insurance license in Arizona?
Total costs typically range from $334 to $609 depending on your license type and exam prep choices. The main costs are: exam prep course ($140–$399, strongly recommended but not legally required), PSI exam fee (~$43 for single-line, ~$59 for P&C combined), fingerprinting via Fieldprint (~$31), and the NIPR license application fee ($120 non-refundable, plus transaction fee). Arizona's application fee of $120 is higher than most states — factor that in when budgeting.
How long does it take to get an Arizona insurance license?
Most people complete the process in 2–4 weeks. Since Arizona doesn't require mandatory pre-licensing hours, you can move directly to exam prep and scheduling. Part-time study typically takes 3–5 weeks before exam day, and full-time study can have you ready to test in under 2 weeks. After passing, Fieldprint fingerprint appointments are usually available within a few days, and NIPR application processing typically takes 1–2 weeks for DIFI to issue your license.
Does Arizona require pre-licensing education to get an insurance license?
No — Arizona does not require any minimum pre-licensing education hours. You can register directly with PSI and sit for the exam without completing a formal course. However, most industry professionals strongly recommend completing a prep course anyway, since the insurance exam has a 50–60% first-attempt pass rate nationally. A quality prep course covering Arizona-specific laws (A.R.S. Title 20) and general insurance concepts is your best investment before exam day — failed attempts mean paying the full exam fee again.
Who administers the Arizona insurance licensing exam?
As of September 3, 2025, Arizona uses PSI to administer all insurance licensing exams — replacing Prometric as the official exam provider. Register online at test-takers.psiexams.com/anzins or call PSI at (877) 215-7924. Exams are available at PSI test centers in Phoenix, Tucson, Flagstaff, and other Arizona locations, as well as via PSI Bridge online proctoring. Note: Any outdated references to Prometric on third-party sites are no longer accurate.
Is the Arizona insurance exam hard to pass?
The Arizona insurance exam has a national first-attempt pass rate of approximately 50–60%, meaning roughly half of candidates fail on their first try. The exam tests both general insurance concepts and Arizona-specific laws and regulations under A.R.S. Title 20. You must score 70% or higher on each section independently — section scores are not averaged together. Since Arizona doesn't require pre-licensing education, many candidates underestimate the exam's difficulty. A structured prep course with practice exams and Arizona law coverage dramatically improves first-attempt success.
What insurance licenses are available in Arizona?
Arizona offers several lines of authority for insurance producers: Life, Accident & Health, Life & Accident/Health (combined), Property & Casualty (combined), Personal Lines, Variable Life/Variable Annuity (requires FINRA Series 6 or 7), Bail Bond, Surplus Lines, and Crop Insurance. Most agents start with either a Life & Health or a Property & Casualty license. You can hold multiple licenses and add additional lines of authority by passing additional exams.
How much do insurance agents make in Arizona?
Arizona insurance agents earn an average of $60,000–$70,000 per year, with experienced agents and top producers earning $100,000–$150,000+. Entry-level agents typically start at $35,000–$50,000. The Phoenix metro area and Scottsdale tend to pay the highest salaries, reflecting a larger client base and high-net-worth market. Tucson averages $54,000–$67,000. Sources: ZipRecruiter 2025, Salary.com 2025, BLS OES 2023.
How do I renew my Arizona insurance license?
Arizona insurance licenses renew every four years on the last day of your birth month — an unusually long cycle compared to the 2-year standard in most states. To renew, you must complete 48 hours of approved continuing education (CE), including at least 6 hours of ethics, before your expiration date. The renewal fee is $120 per license class, processed through NIPR (nipr.com). Late renewals are allowed up to one year after expiration. Additional requirements apply if you sell Long-Term Care, annuities, or NFIP flood insurance products. Excess CE credits cannot be carried over.
Do I need to get fingerprinted to get an Arizona insurance license?
Yes — fingerprinting is required for all Arizona insurance producer applicants. Schedule your appointment through Fieldprint at arizona.fieldprint.com using fingerprint code INS-055.A. The total cost is approximately $31. Important: Do NOT schedule your fingerprint appointment until after passing your PSI exam — all fees are non-refundable if you haven't passed yet. Your fingerprints are electronically submitted to DIFI for a criminal background check via AZDPS.
Can I get an Arizona insurance license if I'm licensed in another state?
Yes — Arizona has reciprocity arrangements with most U.S. states and territories. Non-residents holding an active, equivalent license in good standing in their home state can apply for an Arizona non-resident producer license via NIPR without sitting for Arizona's exam. The non-resident application fee is $120 (same as resident). California does not participate in full reciprocity; Florida has additional requirements. Always verify directly with DIFI or NIPR for the most current reciprocity list.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.