- The scored exam has 125 general questions plus 25 Arkansas-specific questions, for 150 total scored items.
- You need 70% correct to pass, with 210 minutes to complete 150 scored plus 10 pretest questions.
- Rule 31 requires 20 hours of prelicensing education per line before you can sit for the exam.
- The exam fee is $50, and PSI Services LLC administers testing for the Arkansas Insurance Department.
What Is AR-PC Certification?
AR-PC stands for the Arkansas Property & Casualty Insurance Producer Exam, the state licensing test administered on behalf of the Arkansas Insurance Department by PSI Services LLC. Passing this exam is a required step for anyone who wants to sell, solicit, or negotiate property and casualty insurance products within Arkansas. It is not a voluntary professional designation you add to a resume for prestige - it is the regulatory gate that determines whether you can legally hold a P&C producer license in the state.
If you are still getting oriented to the terminology, the companion explainer What Is AR-PC? and the deeper dive at AR-PC Meaning both walk through the basics in plain language. For a quick definitional reference, see What Does AR-PC Stand For?
Exam Format and Scoring
The Property/Casualty exam consists of 150 scored multiple-choice questions plus 10 unscored pretest questions, for a total of 160 questions delivered in a 210-minute window. You will not know which 10 questions are pretest items, so every question deserves your full attention. A passing score requires 70% correct on the scored portion.
What makes AR-PC distinct from a generic P&C exam is the internal split: 125 questions cover general property and casualty insurance concepts that would look familiar in most states, while 25 questions are dedicated specifically to Arkansas statutes, regulations, and state-specific producer requirements. This means memorizing generic policy language isn't enough - you also need command of Arkansas's own insurance code as it applies to producers.
For a full breakdown of how the passing threshold is calculated and what a "70%" actually means in raw question terms, read AR-PC Passing Score 2026: Exactly What You Need to Pass. If you're wondering how AR-PC stacks up in relative difficulty compared to other producer exams, How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026 covers that in depth, and AR-PC Pass Rate 2026: What the Data Shows looks at outcome data.
| Exam Element | Detail |
|---|---|
| Total questions delivered | 160 (150 scored + 10 pretest) |
| General portion | 125 scored questions |
| Arkansas-specific portion | 25 scored questions |
| Time allotted | 210 minutes |
| Passing score | 70% |
| Exam fee | $50 |
The 13 Domains You Must Master
Arkansas structures the Property/Casualty content around 13 domains. Understanding how these domains map to the 125-question general portion and the 25-question Arkansas-specific portion is the single most useful thing you can do before you start studying line by line.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
This is the domain that houses the 25 Arkansas-specific questions. It covers state statutes, producer duties, and regulatory requirements unique to Arkansas rather than universal insurance theory.
- Arkansas producer licensing law and Rule 31 requirements
- State-specific claims handling and unfair trade practice rules
Domain 2: General Insurance Concepts
Foundational vocabulary and principles - risk, indemnity, insurable interest, contract elements - that underpin every other domain on the exam.
- Legal concepts of insurance contracts
- Underwriting and risk classification basics
Domain 3: Property and Casualty Insurance Basics
Core policy structure concepts common to nearly all P&C products, including policy provisions, endorsements, and cancellation/nonrenewal rules.
- Common policy conditions and exclusions
- Endorsement and rider mechanics
Domains 4-5: Dwelling and Homeowners Policy Concepts
These two domains test your ability to distinguish dwelling policy forms from homeowners forms, including coverage parts, perils covered, and eligibility differences.
- Coverage A-D distinctions and perils insured against
- Eligibility differences between DP and HO forms
Domains 6-7: Personal and Commercial Automobile Policy
Auto-related domains require you to separate personal auto policy structure from commercial auto exposures, including liability limits, medical payments, and business-use classifications.
- PAP coverage parts and exclusions
- Commercial auto classifications and symbols
Domains 8-11: Commercial Property, CGL, Crime, and Businessowners Policy
These four domains form the commercial-lines core of the exam and require understanding how standalone commercial property and liability forms differ from a packaged BOP.
- Building and personal property coverage forms
- CGL occurrence vs. claims-made triggers
- Crime coverage forms and BOP eligibility rules
Domains 12-13: Other P&C Lines and Workers' Compensation Laws
The exam closes with miscellaneous property/casualty product types and the statutory framework behind workers' compensation, an area often underestimated by candidates.
- Purpose and general characteristics of specialty P&C products
- Workers' compensation statutory obligations and exclusions
For an even more granular walkthrough of each domain with sample question styles, see AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas. A condensed one-page version of the must-know facts across all 13 domains is available in the AR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Prelicensing Education Requirements
You cannot sit for the AR-PC exam without first completing approved prelicensing education. Rule 31 sets the requirement at 20 hours per line, meaning candidates pursuing both property and casualty authority typically complete separate 20-hour blocks for each. Candidates who have recently completed state-law and ethics components through a prior course may qualify for repeat-course exemptions, which can shorten the education requirement on a second attempt at licensure.
Course certificates from an approved provider remain valid for two years, so timing matters: if you complete your prelicensing course but delay scheduling your exam, make sure you don't let that certificate lapse before you sit for AR-PC.
Key Takeaway
Confirm your prelicensing certificate's expiration date before you register for the exam. A certificate older than two years will not satisfy Arkansas's eligibility requirement, even if you completed all 20 required hours.
The full eligibility checklist, including age, residency, and background considerations, is detailed in AR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. If you're evaluating course providers, AR-PC Training compares prelicensing options against what the exam actually tests.
Registering, Fees, and Delivery Options
Once your prelicensing education is complete, registration and scheduling run through PSI Services LLC, the Arkansas Insurance Department's approved testing vendor. The exam fee is $50 per attempt. Candidates can choose between traditional test-center delivery or remote-proctored testing from home or another private location, which gives more flexibility for scheduling around work.
Because the fee, format, and content are set by the Arkansas Insurance Department rather than a private certifying body, there is little variation in what you'll encounter regardless of which delivery method you choose - the difference is purely about environment and convenience.
A full cost breakdown, including how the exam fee fits alongside prelicensing course costs, is available in AR-PC Certification Cost 2026: Complete Pricing Breakdown. If you're mapping out when to schedule relative to your prelicensing completion, AR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers testing windows and deadlines in detail.
The 90-Day Permit and Retake Rules
Arkansas issues candidates a 90-day permit that allows up to three exam attempts within that window. This structure rewards focused preparation over repeated guessing: if you fail all three attempts, or if your 90-day permit expires before you pass, you must wait four weeks and then repeat the entire approval process from the start.
That four-week wait plus the need to reapply makes a rushed first attempt a costly mistake. Treat each of your three permitted attempts as a serious opportunity rather than a low-stakes trial run.
Who Hires AR-PC Licensed Producers
Holding an active AR-PC-derived producer license opens roles at independent insurance agencies, captive/direct-writer agencies, regional brokerages, and insurance carriers that need licensed staff to sell or service property and casualty products to Arkansas residents and businesses. Positions range from personal lines producer and commercial lines account representative to customer service roles that require an active license to discuss policy details or process changes.
Because the license is tied to the state rather than a single employer, producers can move between agencies without retaking the exam, provided their license stays active and in good standing. For a look at how this license translates into job opportunities and career paths, see AR-PC Jobs, and for a broader financial perspective, AR-PC Salary Guide 2026: Complete Earnings Analysis discusses how producer roles are typically compensated.
If you're still deciding whether pursuing this license is worth the time and cost, Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 weighs the licensing investment against the career access it unlocks.
Building a Domain-Based Study Plan
Rather than studying generically, build your plan around the exam's actual weight distribution: the 125-question general portion spans Domains 2 through 13, while Domain 1 alone carries the 25 Arkansas-specific questions. That means most study time should go toward the general insurance and commercial/personal lines content, with a dedicated, focused block reserved for Arkansas statutes near the end of your preparation so the state-specific details stay fresh on exam day.
Foundations
- Complete prelicensing coursework covering Domains 2 and 3 (general concepts and P&C basics)
- Build a glossary of core policy terms and contract elements
Personal Lines
- Work through Domains 4-6: dwelling, homeowners, and personal auto policy forms
- Compare coverage parts side by side to lock in distinctions between forms
Commercial Lines
- Cover Domains 7-11: commercial auto, commercial property, CGL, crime, and BOP
- Drill practice questions that mix commercial coverage triggers and exclusions
Closing Domains and Arkansas Law
- Study Domains 12-13: other P&C products and workers' compensation law
- Spend concentrated time on Domain 1's Arkansas-specific statutes and rules
- Take full-length timed practice exams to simulate the 210-minute session
For a more detailed week-by-week breakdown tailored to first-time candidates, AR-PC Study Guide 2026: How to Pass on Your First Attempt expands on this framework with additional resource recommendations. And when you're ready to test your readiness under realistic conditions, timed practice exams on our AR-PC practice test platform mirror the 150-question, 210-minute structure so there are no surprises on test day.
Key Takeaway
Save your final study week for Domain 1's Arkansas-specific content and full-length timed practice tests - these two activities most directly prepare you for the exam's actual pressure points.
Practicing under timed conditions matters more for AR-PC than it might for an open-book professional exam, because 210 minutes across 160 questions leaves limited room per question once you factor in longer scenario-based items from the commercial lines domains. Using a full practice test environment before your scheduled date helps you calibrate pacing so you're not rushing through the final 20-25 questions.
Frequently Asked Questions
The exam includes 150 scored multiple-choice questions plus 10 unscored pretest questions, for 160 total questions delivered in 210 minutes.
You need 70% correct on the 150 scored questions to pass. The 10 pretest questions are not counted toward your score.
The exam fee is $50 per attempt, administered by PSI Services LLC on behalf of the Arkansas Insurance Department.
Rule 31 requires 20 hours of approved prelicensing education per line. Candidates who recently completed state-law and ethics components may qualify for repeat-course exemptions.
Your 90-day permit allows three attempts. After three failures, or if the permit expires, you must wait four weeks and repeat the full approval process before testing again.
Whether you're just learning What Does AR-PC Mean? or you're deep into preparing for test day, understanding the exam's exact structure - 125 general questions, 25 Arkansas-specific questions, 70% passing score, and a 90-day permit window - gives you a concrete framework to study against rather than guessing at what matters.