The Arizona insurance exam, as it actually works now
Arizona quietly changed exam vendors in 2025, and most of the internet hasn't noticed. Here's the current, sourced version: who runs the test, how many questions, what it costs, and what happens if you fail.
Searching for Pearson VUE or Prometric? Arizona uses PSI now.
The Arizona Department of Insurance and Financial Institutions (DIFI) awarded its exam and continuing-education contract to PSI in 2025.2 Prometric's last day of Arizona insurance testing was August 24, 2025; PSI registration opened August 1 and PSI testing began September 3, 2025.1 Pearson VUE doesn't administer Arizona insurance exams at all — and the state's own study-resources PDF still floating around search results predates all of this. If a guide sends you to Prometric or Pearson, it's stale.
How many questions, how much time
The format depends on which line of authority you're testing for. All Arizona insurance exams are multiple choice, administered by PSI, and scored against the same bar: 70%.3
| Exam | Questions | Time limit | Passing |
|---|---|---|---|
| Life | 100 | 2 hrs | 70% |
| Accident & Health | 100 | 2 hrs | 70% |
| Life & Health (combined) | 150 | 2.5 hrs | 70% each section |
| Property & Casualty | 150 | 2.5 hrs | 70% each section |
| Personal Lines | 100 | 2 hrs | 70% |
The passing score has a catch
On combined exams, the 70% applies to each section separately — your scores are not averaged.4 Score 85% on the life section and 65% on the health section of the combined exam, and you haven't passed. That's worth knowing before you decide to lean on your stronger subject and coast on the other.
Is it hard? The pass rates say yes
Arizona doesn't publish a friendly pass-rate dashboard, but Achievable compiled first-time pass rates across all 50 states, and Arizona's numbers are sobering:5
| Exam | First-time test takers | Pass rate |
|---|---|---|
| Life | 2,167 | 43.1% |
| Personal Lines | 1,475 | 44.8% |
| Property & Casualty | 2,242 | 46.1% |
| Life & Health (combined) | 3,638 | 54.6% |
| Accident & Health | 883 | 54.9% |
Read that again: more than half of first-time Life candidates fail, and no Arizona line clears 55%. This isn't a formality exam. It's also not a genius exam — it's a volume-of-practice exam, which is exactly the kind preparation fixes.
How to schedule your exam with PSI
Scheduling is straightforward once you know you're dealing with PSI and not the old vendor:6
- Create a PSI account. Go to PSI's test-taker portal (test-takers.psiexams.com), sign up with your email, phone, and legal name exactly as it appears on your ID. You can also schedule by phone at (877) 215-7924.
- Pick your exam. Select the Arizona insurance line you're licensing for — Life, Accident & Health, the combined exam, Property & Casualty, or Personal Lines.
- Choose in-person or remote. PSI runs test centers in Phoenix, Tucson, and other Arizona cities, and also offers live online-proctored testing from home.2 If you go remote, run PSI's system compatibility check first — you'll need a compatible computer, a webcam, and a quiet room.
- Pay and save your confirmation. The exam fee is due when you reserve your seat. Keep the confirmation — it's your admission ticket.
What test day looks like
Bring valid government-issued ID matching the name on your reservation. In a test center, you'll check in, stow your belongings, and take the exam on a workstation under proctor supervision. Remotely, a live proctor verifies your ID and monitors you through your webcam — same exam, same clock, your own desk. Either way, the test is multiple choice against the time limits above, and you'll want to bank time for the questions written to slow you down (there are always a few).
Your score report
No waiting period: the exam is scored the moment you finish, and you learn your result on the spot.4 Pass, and you move on to fingerprints and the license application. Fail, and the retake rules below kick in.
If you fail: Arizona's four-attempt rule
This is the part almost nobody tells you before test day, and it's actual state law:
- Four attempts per year, maximum. Under ARS §20-284(H), you cannot take the exam for any line of authority more than four times within a twelve-month period.7
- Fail four times, sit out a year. The same statute says that after a fourth failure on a line, you may not test on that line again for one year.7
- Every retake costs full price. If you fail or no-show, ARS §20-284(F) requires you to reapply and pay all required fees again before rescheduling.7
- You can retake quickly. The clock isn't the problem — you can typically register to retake within a day or two of a failed attempt.4 The four-attempt cap is the problem.
Put the pass rates and the statute together and the math gets serious: on the Life exam, a coin-flip-ish first-attempt pass rate meets a hard legal ceiling of four tries. Walking in underprepared isn't just a $50 mistake — it burns one of exactly four chances.
What an Arizona insurance license actually costs
Here's the full first-try bill, itemized. Arizona doesn't require a pre-licensing course, so a course (typically $150–$300+) is optional and not included below.
| Item | Cost | Paid to |
|---|---|---|
| Exam fee (per attempt; varies by line — e.g. $50 Life, $59 P&C)4 | $42–$59 | PSI |
| Fingerprints ($20 Fieldprint + $22 FBI processing)9 | $42 | Fieldprint, via the AZ DPS portal |
| License application fee8 | $120 | DIFI, filed through NIPR |
| NIPR transaction fee9 | $5.60 | NIPR |
Total: roughly $210–$227 if you pass on the first attempt. Exam fees are set when you book, so confirm the current figure for your line in the PSI portal. Resident applicants submit fingerprints electronically through the Arizona DPS Public Services Portal and its vendor, Fieldprint8 — and note that fees are non-refundable, which is one more reason to treat attempt one as the real one.
Studying for this exam? Do it out loud.
PassLane is a voice-first study app built for the Arizona exam: it reads each question aloud, listens for your answer, and tells you honestly when you're ready. The app is launching now — store listings aren't live yet, so the honest button says exactly that.
Frequently asked questions
Does Arizona use Pearson VUE or Prometric for insurance exams?
Neither. Arizona insurance exams are administered by PSI. Prometric's last Arizona test day was August 24, 2025, and PSI testing began September 3, 2025.1 Pearson VUE hasn't administered Arizona insurance exams in this period — any guide pointing you there is out of date.
How many questions are on the Arizona insurance exam?
Between 100 and 150, depending on the line: Life, Accident & Health, and Personal Lines are each 100 questions in 2 hours; the combined Life & Health exam and Property & Casualty are 150 questions in 2.5 hours.3
What score do I need to pass?
70% — and on combined exams, 70% on each section separately. The sections are not averaged, so you can't offset a weak section with a strong one.4
How much does the Arizona insurance license cost in total?
How many times can I retake the exam?
Four attempts per line of authority within any twelve-month period, by statute (ARS §20-284(H)). After a fourth failure you must wait one year to test on that line again, and every retake requires reapplying and paying the fees again.7
Can I take the Arizona insurance exam online from home?
Sources
- ExamFX — Arizona Testing Provider Change 2025 (transition dates: PSI registration Aug 1, Prometric's last day Aug 24, PSI testing from Sept 3, 2025)
- PSI press release — PSI selected as Arizona's licensing exam and CE administrator (DIFI contract; in-person and live online-proctored delivery)
- ExamFX — Arizona insurance prelicensing requirements (question counts, time limits, 70% passing score, PSI administration)
- America's Professor — Pass the Arizona insurance licensing exam (per-section 70% rule, current PSI exam fees by line, instant scoring, 1–2 day retake registration)
- Achievable — Insurance exam pass rates for all 50 states (Arizona first-time pass rates and test-taker counts)
- Aceable — How to schedule the Arizona insurance exam (PSI portal steps, phone scheduling, PSI Bridge remote option, system check, AZ test-center cities)
- Arizona Revised Statutes §20-284 (subsection H: four exams per twelve months, one-year wait after four failures; subsection F: reapply and pay fees after a fail or no-show)
- NIPR — Arizona resident individual licensing requirements ($120 state application fee; fingerprints via AZ DPS Public Services Portal and Fieldprint)
- InsureTrek — Arizona insurance license requirements ($5.60 NIPR processing fee; $20 Fieldprint + $22 FBI fingerprint fees)