NATIONAL INSURANCE GUIDE

Arizona Insurance Agent License

Arizona Insurance Agent License

Arizona Insurance Agent (Producer) License: Complete 2026 Guide

The Arizona Department of Insurance and Financial Institutions (DIFI) regulates insurance producer (agent/broker) licensing. Arizona is one of the more straightforward states for new producers because pre-licensing education is not required. Candidates must pass a state exam, complete fingerprinting (when required), and submit an application through NIPR.

Key Requirements at a Glance (2026)

RequirementDetails
Minimum age18
Pre-licensing educationNot required (optional study recommended)
ExamRequired for most major lines (PSI)
Passing score70%
FingerprintsRequired for most new resident applicants
ApplicationThrough NIPR (preferred)
Application fee$120 (non-refundable)
Renewal cycleEvery 4 years
Continuing Education48 hours every 4 years (including 6 ethics)

Step-by-Step Process to Get Licensed

1. Confirm Eligibility
You must be at least 18 years old and able to demonstrate lawful presence (for Arizona residents). A clean criminal background is important; certain convictions can lead to denial under Arizona law.

2. Prepare for and Pass the State Exam
Arizona does not require pre-licensing courses, but most candidates still complete optional exam prep because the tests are comprehensive.

Exam details (PSI):

  • Life: ~100 questions, $50
  • Accident & Health: ~100 questions, $50
  • Property: ~100 questions, $50
  • Casualty: ~100 questions, $42
  • Combined Property & Casualty: higher question count, $59
  • Personal Lines: ~100 questions, $50
  • Passing score: 70%
  • Results are usually available immediately

You can schedule at PSI test centers across Arizona or via remote proctoring (subject to current rules). After passing, you generally have one year to apply for the corresponding license.

3. Complete Fingerprinting (When Required)
Fingerprints are required for most new Arizona resident applicants, individuals relocating to Arizona, and certain non-residents whose home state lacks equivalent licensing authority.
Electronic fingerprinting is handled through the state’s designated process (commonly Fieldprint). Fees are typically in the $30–$45 range depending on the exact components (vendor + FBI processing). Confirm the current process and fee on the DIFI website.

4. Submit the License Application
Apply online through the National Insurance Producer Registry (NIPR).

  • License fee: $120 (non-refundable)
  • Additional small NIPR transaction fee usually applies
  • Processing typically takes days to a few weeks once a complete application and fingerprints are received

5. Maintain the License (Renewal & CE)
Arizona producer licenses renew every four years, generally on the last day of the licensee’s birth month.
Continuing education requirement for most resident producers holding major lines:

  • 48 hours of Arizona-approved CE every four-year term
  • Includes a minimum of 6 hours of ethics

Non-residents are generally exempt from Arizona CE if they remain in good standing in their home state and the home state has reciprocal CE recognition.

License Types Commonly Sought

  • Life
  • Accident & Health
  • Property
  • Casualty
  • Personal Lines
  • Property & Casualty (combined)
  • Surplus Lines Broker (requires an underlying Property & Casualty producer license)
  • Limited lines and specialty authorities (availability and requirements vary)

Cost Estimate for a First-Time Resident License

ItemApproximate Cost
Optional pre-licensing/exam prep$100–$250
State exam$42–$59
Fingerprinting~$30–$45
Application fee$120
Typical total (first attempt)$200–$400

Reciprocity and Non-Resident Licensing

Arizona participates in producer licensing reciprocity. Non-residents licensed in good standing in their home state can usually obtain an Arizona non-resident license by application through NIPR. Fingerprints may still be required in certain situations. The application fee is typically $120.

Official Resources

  • Arizona DIFI Licensing: difi.az.gov
  • Producer applications and renewals: nipr.com
  • Exam scheduling: PSI (search Arizona insurance exams)
  • DIFI Producer contact: Check the current phone and email listed on the DIFI website

Frequently Asked Questions

Is pre-licensing education required in Arizona?
No. It is optional but strongly recommended for most candidates.

Who administers the exam?
PSI.

How many CE hours are required?
48 hours every four years, including at least 6 hours of ethics, for most resident producers with major lines.

How long does licensing take?
After passing the exam and submitting a complete application with fingerprints, processing commonly takes from several days up to a few weeks.

Can someone with a criminal record get licensed?
It is reviewed case-by-case. Certain convictions can result in denial under Arizona statutes.

Does Arizona require fingerprints for renewals?
Generally no for simple renewals of an existing license.

Summary for Prospective Agents

Arizona offers a relatively accessible path to an insurance producer license: no mandatory pre-licensing education, a standard state exam, fingerprint background check, and a $120 application fee. Once licensed, producers must complete 48 hours of continuing education (including ethics) every four years. The process is managed primarily through NIPR and PSI, with oversight by the Arizona Department of Insurance and Financial Institutions.

Always verify the most current fees, fingerprint procedures, and CE rules directly on the DIFI website (difi.az.gov) before beginning the process, as details can change.

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