Arizona
Arizona insurance licensing: requirements, renewal, and agency rules
Arizona licenses producers and adjusters through the Department of Insurance and Financial Institutions (DIFI), formed when the state merged insurance regulation with financial-institution oversight.
- Renewal cycle
- Every 4 years
- CE hours
- 48 hours (6 ethics)
- Application fee
- $120
- DOI phone
- (602) 364-3100
Overview
Arizona licenses producers and adjusters through the Department of Insurance and Financial Institutions (DIFI), formed when the state merged insurance regulation with financial-institution oversight. DIFI doesn't require a prelicensing course for producer lines of authority. You go straight to the exam, administered by PSI rather than Pearson VUE or Prometric. Licenses aren't mailed or printed; DIFI verifies you online through its license search tool once your application clears. Continuing education applies only to resident producers holding a major line of authority (life, accident and health, property, casualty, or personal lines); adjusters and most other license classes have no CE requirement at all.
How to get licensed
Skip prelicensing: Arizona doesn't require it
Arizona has no prelicensing course requirement for producer lines. You go straight to the exam for the license authority you want, unless you qualify for an exemption: certain limited lines, FINRA-registered variable life/annuity producers, navigators and certified application counselors with federal certification, or non-residents already licensed for that authority in their home state.
Register for and pass the licensing exam
Arizona uses PSI as its exam and CE vendor. You get four attempts within a one-year period, and you must apply for your license within one year of passing under A.R.S. § 20-284.
Complete fingerprinting if it applies to you
Fingerprints are required if you're an Arizona resident without an existing print-required license, you're relocating to Arizona, or you're a resident of a state that doesn't issue the license type you're applying for (A.R.S. § 20-142(E)). DIFI uses a two-step electronic process: the AZDPS Public Service Portal background check, then a Fieldprint Livescan appointment.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Arizona application for the state's $120 fee, pulled from NIPR at the moment of application. Arizona doesn't run its own applicant portal, so residents and non-residents both apply the same way.
Check your status through DIFI's license search
DIFI doesn't produce paper license certificates. Once your application is approved, verify your license through DIFI's online license search. Applications can take up to a month to process, and you can't conduct insurance business until the license shows as active.
Prelicensing education
Not required. Arizona doesn't require a prelicensing course for producer lines of authority. Exam exemptions exist separately for certain limited lines, FINRA-registered variable life/annuity producers, navigators and CACs with federal certification, and non-residents already licensed in their home state.
Exam
Vendor: PSI. Exam fee: $50. The retake fee is also $50.
Fingerprinting
Required. Vendor: AZDPS Public Service Portal + Fieldprint Livescan. Required for Arizona residents without an existing print-required license, those relocating to Arizona, and residents of states that don't issue the license type applied for. The AZDPS background check runs $22.44 and the Fieldprint scheduling fee is $8.25, both paid directly to those vendors, not to DIFI.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license Arizona doesn't publish a separate renewal fee; renewal runs through the same NIPR application and adds a roughly $5 to $7 NIPR transaction fee. | $120 | — |
| Non-resident producer license Same $120 fee and NIPR channel as resident applicants. | $120 | — |
| Business entity license Applies to both resident and non-resident business entities. | $120 | — |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR – Arizona Resident Licensing, Individual (Fees), NIPR – Arizona Non-Resident Licensing, Individual (Fees), NIPR – Arizona Resident Licensing, Business (Fees), DIFI – Licensing | Insurance Professionals (fee backup)
Renewal & CE
Renewal window — License expires on the last day of the licensee's birth month; you can renew up to 90 days before expiration.
Grace period: None. If DIFI doesn't receive a complete renewal application and fee by the expiration date, the license expires and you must stop conducting business. Reinstating after expiration adds a $100 late renewal fee.
Renewals go through NIPR, which charges a small transaction fee, typically $5 to $7, on top of the state renewal fee.
48 total CE hours per renewal term, including 6 ethics hours.
CE applies only to resident producers holding a major line of authority (life, accident and health, property, casualty, or personal lines). Adjusters and other license classes have no CE requirement at all under Arizona law.
For agencies and non-residents
Agencies, appointments & DRLP
Arizona requires a separate business entity producer license, filed through NIPR for a $120 fee. Entities must name a designated responsible licensed producer and report any change to that role on Form L-CHG; new officers, members, or directors get reported on Form L-177, and Arizona-resident entities must fingerprint each new officer or member (Form L-FPV). Doing business under any name other than your legal name requires Form L-193 and, to protect it, a separate trade name registration with the Arizona Secretary of State.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Arizona doesn't operate its own applicant portal for residents the way Florida or New York do. Both residents and non-residents apply and renew through InsureTrek. If you're already licensed for a comparable line of authority in your home state, Arizona generally waives the exam and, for most license types, the fingerprint requirement. Non-resident business entities apply the same way as resident ones, through InsureTrek, for the same $120 fee.
Apply for a non-resident Arizona license through InsureTrek, plus the state fee.
Official resources
- Arizona Department of Insurance and Financial Institutions — licensing
- DOI phone: (602) 364-3100
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Arizona Department of Insurance and Financial Institutions or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- DIFI – Arizona Electronic Fingerprint Process — accessed 2026-08-19
- DIFI – Licensing | Insurance Professionals — accessed 2026-08-19
- PSI – AZ Insurance Producer - Life exam page (exam fee) — accessed 2026-08-21
FAQs
How much does it cost to get an insurance license in Arizona?
DIFI's application fee is $120, plus a small NIPR transaction fee, typically $5 to $7, if you apply online. The PSI exam costs $50 per attempt. If fingerprinting applies to you, budget an additional $22.44 for the AZDPS background check and $8.25 for the Fieldprint appointment.
Do I need a prelicensing course before I can sit for the Arizona exam?
No. Arizona doesn't require a prelicensing course for producer lines of authority. You can register for the PSI exam directly once you meet the basic eligibility requirements.
Where do I take the Arizona insurance licensing exam?
Arizona uses PSI, not Pearson VUE or Prometric, as its exam vendor. Register and find testing locations at test-takers.psiexams.com/anzins.
How do I look up or verify an Arizona insurance license?
DIFI doesn't issue paper license certificates. Use the License Search tool linked from DIFI's licensing page to confirm a license is active.
How long does it take to get licensed in Arizona?
DIFI states applications can take up to a month to process. You can't conduct insurance business in Arizona until your license shows as active in DIFI's license search.
Can I get an Arizona non-resident license without retaking the exam?
Generally yes, if you're already licensed for a comparable line of authority in your home state. Arizona doesn't run a separate state portal for non-residents; you apply through InsureTrek the same way residents do, for the same $120 fee.
How much continuing education do I need, and how often do I renew?
Arizona licenses run on a 4-year cycle, expiring on the last day of your birth month. Resident producers with a major line of authority — life, accident and health, property, casualty, or personal lines — need 48 CE hours per cycle, including 6 ethics hours. Adjusters and most other license classes have no CE requirement.
What happens if my Arizona license expires?
There's no grace period. If DIFI doesn't receive your complete renewal application and fee by the expiration date, the license expires immediately and you have to stop conducting business. Reinstating adds a $100 late renewal fee on top of the standard renewal fee.
See how InsureTrek handles Arizona licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.