- You need 70% to pass 150 scored questions in 210 minutes; 10 unscored pretest items are mixed in.
- 125 questions cover general P&C content; only 25 are Arkansas-specific, so master the national material first.
- Rule 31 requires 20 prelicensing hours per line, and your course certificate expires after two years.
- Exam fee is $50, paid to PSI Services LLC, with test-center or remote-proctored options.
Exam Snapshot: The Numbers You Must Memorize
Before diving into content review, lock in the logistics. The Arkansas Property & Casualty Insurance Producer Exam (AR-PC) is administered by PSI Services LLC on behalf of the Arkansas Insurance Department. Knowing the mechanics cold reduces test-day anxiety and helps you pace yourself correctly.
| Item | Detail |
|---|---|
| Total scored questions | 150 multiple-choice |
| Pretest (unscored) questions | 10 |
| Time allowed | 210 minutes |
| Passing score | 70% |
| General portion | 125 questions |
| Arkansas-specific portion | 25 questions |
| Exam fee | $50 |
| Delivery options | Test center or remote-proctored |
This table is worth screenshotting. For a deeper breakdown of how the passing threshold is calculated and what it means for your score report, see the AR-PC Passing Score 2026 guide. If you're still deciding whether to invest the study time at all, the difficulty guide and pass rate breakdown are useful companion reads.
Domain-by-Domain Cheat Sheet
The AR-PC blueprint spans 13 content areas. Use this as a rapid-fire refresher, not a first-time study tool - for full explanations of each domain, review the complete domain guide before using this cheat sheet.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
Covers state licensing law, producer duties, and Arkansas Insurance Department regulations that apply across all P&C lines.
- Know license types, renewal cycles, and continuing education triggers
- Understand unfair claims practices and penalties under Arkansas code
Domain 2: General Insurance Concepts
Foundational vocabulary: insurable interest, indemnity, subrogation, and contract elements.
- Distinguish warranties, representations, and concealment
- Memorize the legal elements of an insurance contract
Domain 3: Property and Casualty Insurance Basics
Core principles behind property valuation, perils, and liability exposure.
- Actual cash value vs. replacement cost calculations
- Named-peril vs. open-peril (all-risk) policy structures
Domain 4: Dwelling Policy Concepts
DP-1, DP-2, and DP-3 forms and how coverage differs across them.
- Coverage A through D limits and typical exclusions
- When a dwelling policy is appropriate versus a homeowners form
Domain 5: Homeowners Policy Concepts
HO-2 through HO-6 forms, endorsements, and liability sections.
- Section I property coverages vs. Section II liability coverages
- Common exclusions: earth movement, flood, ordinance or law
Domain 6: Personal Automobile Policy
PAP structure, liability limits, and medical/uninsured motorist coverage.
- Who qualifies as an "insured" under the PAP
- Physical damage coverage triggers: collision vs. comprehensive
Domain 7: Commercial Automobile Policy
Business auto coverage symbols and how they determine what's covered.
- Symbol 1 vs. symbol 7 vs. symbol 8/9 distinctions
- Hired and non-owned auto liability exposures
Domain 8: Commercial Property Policies
Building and personal property coverage forms, coinsurance, and causes-of-loss forms.
- Basic, broad, and special causes-of-loss forms
- Coinsurance penalty calculation
Domain 9: Commercial General Liability
CGL coverage parts A, B, and C, plus occurrence vs. claims-made triggers.
- Products-completed operations hazard
- Supplementary payments and who they benefit
Domain 10: Commercial Crime
Employee dishonesty, forgery, and theft coverage forms.
- Discovery vs. loss-sustained coverage forms
- Fidelity bond basics
Domain 11: Businessowners Policy (BOP)
Package policy combining property and liability for eligible small businesses.
- Eligibility criteria and typical exclusions
- Built-in coverages vs. optional endorsements
Domain 12: Other Types of Property and Casualty Insurance
Umbrella/excess liability, inland marine, and specialty lines - purpose and general characteristics only.
- Self-insured retention vs. underlying limits in umbrella policies
- Floater concepts in inland marine
Domain 13: Workers' Compensation Laws
Statutory framework, benefit types, and employer obligations.
- Medical, disability, rehabilitation, and death benefits
- Monopolistic vs. competitive state fund concepts
Registration, Fees, and Permit Rules
The administrative side of AR-PC trips up more candidates than the content does. Here's the mechanical checklist:
- The exam fee is $50, paid when scheduling through PSI Services LLC.
- You can sit for the exam at a physical test center or via remote proctoring, depending on availability and preference.
- Once you're approved to test, you receive a 90-day permit that allows up to three attempts.
- If you fail three times, or your permit expires before you pass, you must wait four weeks and repeat the entire approval process from scratch.
Key Takeaway
Don't burn attempts casually. Treat each of your three permitted sittings as a real exam, not a diagnostic - a blown permit means a mandatory four-week delay before you can even reapply.
For a full cost breakdown including prelicensing course pricing and any incidental fees, see the AR-PC Certification Cost guide. If you're unsure whether you meet basic eligibility before paying anything, check the requirements article first, and confirm current testing windows on the exam dates page.
Prelicensing Education and Rule 31
Arkansas requires approved Property and Casualty prelicensing education before you can sit for the AR-PC exam. Under Rule 31, that means 20 hours per line of study through an approved provider.
- If you've recently completed state-law and ethics components through another approved course, you may qualify for a repeat-course exemption - don't retake hours you've already banked.
- Course completion certificates are valid for two years. If you let a certificate lapse before scheduling your exam, you'll need to retake the course.
Question Format and Time Management
All 150 scored questions are multiple-choice, blended with 10 unscored pretest items you won't be able to identify during the test. Because the general portion (125 questions) is nearly five times larger than the Arkansas-specific portion (25 questions), your study time should mirror that ratio: broad national P&C mastery first, state-specific statute review second.
- Flag and skip questions you're unsure of rather than stalling - with 210 minutes for 160 total items, you have room to return to flagged questions.
- Read questions for qualifiers like "except," "not," and "always" - property and liability questions often hinge on a single excluded scenario.
- Don't over-invest time in Domain 12 (Other Types of P&C Insurance) relative to heavier-weighted domains like Homeowners, Personal Auto, and Commercial Property - it's a general-characteristics-only domain, not a deep-dive one.
For a walkthrough of exactly how the scoring works domain-by-domain, the AR-PC Study Guide pairs well with this cheat sheet, and our full-length practice tests simulate the real 150-question format so you can build pacing instincts before test day.
One-Week Rapid Review Schedule
If you've already completed your 20-hour prelicensing course per line and just need a final tune-up, use this compressed schedule rather than starting from zero.
Personal & Dwelling Lines
- Review Domains 4, 5, and 6 (Dwelling, Homeowners, Personal Auto) - these carry heavy weight and frequent overlap in scenario questions
Commercial Lines
- Work through Domains 7-11 (Commercial Auto, Commercial Property, CGL, Commercial Crime, BOP), focusing on coverage triggers and exclusions
Foundations and Specialty Lines
- Revisit Domains 2, 3, 12, and 13 (General Concepts, P&C Basics, Other Types, Workers' Comp)
Arkansas-Specific Content and Full Simulation
- Drill Domain 1 statutes and licensing rules, then run a full-length timed practice exam
Common Traps on Test Day
These are the mistakes that separate a comfortable 70%+ score from a nail-biter:
- Confusing coverage forms. DP-1, DP-2, DP-3 and HO-2 through HO-6 look similar on paper but differ meaningfully in perils covered - memorize the distinctions, don't guess by pattern.
- Underestimating the general portion. With 125 of 150 scored questions on general content, candidates who cram only Arkansas statutes shortchange the bulk of the exam.
- Ignoring coinsurance math. Commercial Property questions frequently test the coinsurance penalty formula - practice it until it's automatic.
- Running out the permit clock. Remember, you only get three attempts inside a 90-day permit before a four-week reset. Pace your study so you walk in ready, not to "see what it's like."
After You Pass
Passing AR-PC opens the door to producer licensure and roles at independent agencies, captive carriers, and brokerages across personal and commercial lines. If you're weighing whether the license is worth the time investment, our ROI analysis and earnings guide lay out what licensed producers typically pursue next. Curious employers and hiring trends? Browse AR-PC-related job resources for a sense of where licensed producers land. And if you're still building foundational understanding of the credential itself, start with What Is AR-PC? or AR-PC Meaning before returning to this cheat sheet.
FAQ
There are 160 total questions delivered, but only 150 are scored. The other 10 are unscored pretest questions used to evaluate future exam content, and you won't know which ones they are.
You need 70% correct on the 150 scored questions. The exam splits those questions into a 125-question general portion and a 25-question Arkansas-specific portion.
The exam fee is $50, paid through PSI Services LLC when you schedule your test session, either at a test center or via remote proctoring.
Your 90-day permit allows up to three attempts. If you fail three times or the permit expires, you must wait four weeks and repeat the approval process before scheduling again.
Yes. Arkansas requires approved Property and Casualty prelicensing education, with Rule 31 mandating 20 hours per line. Course certificates remain valid for two years, and repeat-course exemptions may apply if you've recently completed state-law and ethics components.