- Why There's No Official AR-PC Pass Rate Published
- How the Scoring Actually Works
- The Two-Portion Structure That Trips People Up
- What a Failed Attempt Actually Costs You
- Which Domains Cause the Most Retakes
- Who Is Actually Sitting for This Exam
- A Study Timeline Built Around the Domain Split
- Frequently Asked Questions
- The Arkansas P&C exam requires 70% correct across 150 scored questions in 210 minutes.
- The exam splits into a 125-question general portion and a 25-question Arkansas-specific portion.
- A 90-day permit allows three attempts before you must wait four weeks and reapply.
- Pretest questions (10 of them) are unscored, but you can't identify which ones they are.
Why There's No Official AR-PC Pass Rate Published
If you're searching for a single headline percentage - "X% of candidates pass the Arkansas Property & Casualty exam" - you're going to have a hard time finding one that's verifiable. The Arkansas Insurance Department contracts with PSI Services LLC to administer the exam, and neither organization publishes a granular, line-by-line pass rate for the P&C exam specifically. What you'll find instead are anecdotal numbers from prep companies, forum posts, and general industry commentary - none of which should be treated as authoritative.
Rather than chase a number that doesn't exist in any official filing, it's more useful to look at the mechanics of the exam itself: how it's scored, how it's structured, and where candidates predictably lose points. Those structural facts are documented by the Arkansas Insurance Department and PSI, and they tell you far more about your actual odds than a scraped statistic ever could. For a broader look at how tough the exam is in practice, see How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026.
How the Scoring Actually Works
The Property/Casualty exam consists of 150 scored multiple-choice questions plus 10 unscored pretest questions, for a total of 160 questions delivered in 210 minutes. You need 70% correct on the scored portion to pass. The 10 pretest questions are mixed in without identification - you won't know which ones count and which don't, so every question has to be treated as if it matters.
This matters for pacing. With 210 minutes for 160 questions, you have roughly 78 seconds per question on average, which sounds generous until you factor in scenario-based items that require reading a short claim or policy situation before answering. Candidates who burn too much time second-guessing early questions often find themselves rushing through the back third of the exam - exactly where fatigue-driven errors accumulate.
For a complete breakdown of exactly what "70%" translates to in raw question counts and how the score is calculated, see AR-PC Passing Score 2026: Exactly What You Need to Pass.
The Two-Portion Structure That Trips People Up
Here's the detail that a lot of generic exam-prep content glosses over: the 150 scored questions on the Arkansas P&C exam aren't a single undifferentiated pool. They're explicitly split into two portions:
- 125 questions covering general property and casualty insurance concepts (the multi-state content outline most P&C candidates study nationally).
- 25 questions covering Arkansas-specific insurance law, regulation, and market conduct rules.
Candidates who spend 95% of their study time on national P&C concepts and treat the state-specific section as an afterthought are making a statistically risky bet. Twenty-five questions out of 150 is nearly one-sixth of your scored total - enough to swing you from a comfortable pass to a failing score if that section is neglected. The Arkansas-specific content lines up closely with what's covered in AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas, particularly the domain devoted entirely to Arkansas-specific rules.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
This domain maps directly to the 25-question state-specific portion of the exam. Candidates consistently underestimate it because it doesn't feel like "real" insurance knowledge - it's licensing law, producer duties, and regulatory procedure specific to Arkansas.
- Producer licensing requirements and Rule 31 prelicensing hour mandates
- Unfair trade practices and claims-settlement rules under Arkansas statute
- Department authority, penalties, and license renewal/continuing education obligations
What a Failed Attempt Actually Costs You
Arkansas structures the exam around a 90-day testing permit that allows three attempts. If you fail all three attempts within that window, or if the 90-day permit simply expires before you pass, you don't get another walk-up retake - you have to wait four weeks and repeat the entire approval process before you're eligible to test again.
That's a meaningful setback if you're trying to start a producer role on a specific timeline, and it's compounded by the fact that each sitting comes with a $50 exam fee paid through PSI. Three failed attempts means three separate $50 charges, plus the lost weeks waiting to requalify. For the full financial picture - prelicensing course costs, exam fees, and what a retake actually adds up to - see AR-PC Certification Cost 2026: Complete Pricing Breakdown.
Key Takeaway
Treat your first attempt as your only attempt. The permit structure technically allows three tries, but the time and money cost of even one retake makes "I'll just try again" a poor strategy going in.
Which Domains Cause the Most Retakes
While there's no published data breaking down failure rates by domain, the exam's own structure points to where candidates are most likely to lose points. The 125-question general portion spans twelve substantive domains beyond the Arkansas-specific one, and they are not weighted evenly in terms of how much memorization versus applied reasoning they demand:
Domain 4-6: Dwelling, Homeowners, and Personal Auto Policy Concepts
These three domains form the backbone of personal lines and tend to have heavy overlap in terminology - coverage forms, endorsements, and exclusions that sound similar but apply differently. Confusing an HO-3 provision with a dwelling policy provision is one of the most common self-reported error patterns among candidates reviewing missed questions.
- Perils covered under named-peril versus open-peril forms
- Liability and medical payments coverage triggers
- Auto policy parts (Liability, Medical Payments, UM/UIM, Physical Damage)
Domain 8-11: Commercial Property, General Liability, Crime, and Businessowners Policy
Commercial lines questions tend to be longer and more scenario-driven, asking candidates to identify which policy or endorsement responds to a specific business loss. Candidates coming from a personal-lines background often underprepare here.
- Building and Personal Property Coverage Form structure
- Commercial General Liability occurrence versus claims-made triggers
- How a Businessowners Policy bundles property and liability exposures
Domain 13: Workers' Compensation Laws
Workers' compensation is often a smaller slice of study time but a dense one - statutory concepts, exclusive remedy doctrine, and coverage parts that don't map neatly onto other property/casualty forms. Because it's less familiar territory for candidates focused on auto and property, it deserves dedicated review time rather than a last-minute skim.
A full walkthrough of all thirteen domains, including the ones not detailed above - General Insurance Concepts, Property and Casualty Insurance Basics, Commercial Automobile Policy, and Other Types of Property and Casualty Insurance - is available in AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Who Is Actually Sitting for This Exam
The AR-PC exam is the licensing gateway for anyone who wants to sell property and casualty insurance products in Arkansas - independent agency hires, captive agents for national carriers, and staff moving into producer roles at brokerages across the state. It's not an optional credential layered on top of a career; it's the mandatory step between completing prelicensing education and being legally allowed to bind coverage or earn commission as a licensed producer.
Because the exam sits at that gateway, candidates arrive from very different starting points: some are career-changers with no insurance background who just finished their Rule 31 hours, while others are agency staff who've worked in a support role for years and are finally sitting for the license that formalizes what they already do informally. If you're weighing whether this path is worth pursuing before you commit to prelicensing hours and exam fees, Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 and AR-PC Salary Guide 2026: Complete Earnings Analysis lay out the practical upside, and AR-PC Jobs covers the kinds of roles this license opens up.
A Study Timeline Built Around the Domain Split
Given the two-portion structure of the exam, a study plan that treats all content as equally weighted misses an opportunity. The following timeline allocates time proportionally - heavier on the general 125-question content, but with dedicated, non-negotiable time for the Arkansas-specific portion near the end so it's fresh on exam day.
Foundations
- Review General Insurance Concepts and Property and Casualty Insurance Basics
- Build a glossary of terms that sound alike but mean different things (peril vs. hazard, endorsement vs. rider)
Personal Lines
- Work through Dwelling Policy Concepts, Homeowners Policy Concepts, and Personal Automobile Policy
- Drill coverage-part scenarios until you can identify the correct form without hesitation
Commercial Lines
- Cover Commercial Automobile, Commercial Property, Commercial General Liability, Commercial Crime, and Businessowners Policy
- Use practice scenarios to distinguish which form applies to which business loss
Specialty Topics and Arkansas Law
- Study Workers' Compensation Laws and Other Types of Property and Casualty Insurance
- Spend concentrated time on the Multi-Line Arkansas Specific Content Outline - this is your 25-question portion
- Take full-length timed practice runs at the practice test platform to simulate the 210-minute format
This sequencing isn't arbitrary generic advice - it directly mirrors how the exam itself is weighted, saving the highest-density state-law content for the final push when it's most likely to stay top of mind. For a more detailed day-by-day breakdown, including how to handle the pretest questions you can't identify, see AR-PC Study Guide 2026: How to Pass on Your First Attempt.
| Exam Component | Detail |
|---|---|
| Total scored questions | 150 |
| Unscored pretest questions | 10 (unidentified) |
| Time allotted | 210 minutes |
| Passing threshold | 70% |
| General portion | 125 questions |
| Arkansas-specific portion | 25 questions |
| Exam fee | $50 |
| Attempts per permit | 3 (within 90-day permit) |
Frequently Asked Questions
No. The Arkansas Insurance Department and PSI Services LLC do not publish a public, line-specific pass rate for the Property/Casualty exam. Any specific percentage you see cited elsewhere is not sourced from an official filing.
You need 70% correct on the 150 scored questions. The 10 pretest questions mixed into the exam are unscored and don't count toward your result, but you can't tell them apart from scored items, so treat every question as if it matters.
Your 90-day testing permit allows three attempts. After three failures, or if the permit expires before you pass, you must wait four weeks and repeat the approval process before scheduling again.
Yes. It accounts for 25 of the 150 scored questions - roughly one-sixth of the exam. Neglecting Arkansas producer licensing law and regulatory content in favor of only studying general P&C concepts is a common reason candidates fall short of 70%.
Yes. Both test-center and remote-proctored delivery options are available through PSI, giving candidates flexibility in how and where they sit for the exam.
Since concrete pass-rate percentages for AR-PC aren't published anywhere official, the smartest way to improve your odds is to study the exam's actual structure - the 125/25 split, the 70% threshold, and the domains most likely to trip up unprepared candidates. Run full-length timed simulations at AR-PC Exam Prep's practice test platform before your scheduled date so the 210-minute format feels familiar rather than stressful on exam day.