- The Passing Score, Exactly
- How the 150 Scored Questions Are Organized
- The Math: What 70% Actually Means Question by Question
- How the 13 Domains Feed Into Your Score
- The 10 Pretest Questions Nobody Talks About
- What Happens If You Miss the Score
- A Domain-Weighted Study Plan Built Around the Score
- Test-Day Mechanics That Affect Your Score
- FAQ
- You need 70% correct to pass the Arkansas Property/Casualty Producer Exam.
- The scored exam has 150 questions: 125 general and 25 Arkansas-specific, plus 10 unscored pretest items.
- You get 210 minutes total, and the exam fee is $50 through PSI Services LLC.
- A 90-day permit allows three attempts before a four-week wait and re-approval are required.
The Passing Score, Exactly
If you're preparing for the Arkansas Property & Casualty Insurance Producer Exam (AR-PC), the number that matters most is simple: 70%. That's the minimum score the Arkansas Insurance Department requires on the scored portion of the exam, which is administered through PSI Services LLC. There's no curve, no rounding favor, and no partial credit for "almost right" answers on a multiple-choice format. You either land at or above 70% of the scored questions, or you don't pass.
What trips candidates up isn't the percentage itself - it's understanding exactly what that percentage applies to. The AR-PC exam blends two distinct content blocks into one scored total, and knowing how those blocks are weighted changes how you should study. We'll break that down next, but first, here's the exam's basic shape.
How the 150 Scored Questions Are Organized
The scored portion of the AR-PC exam splits into two segments:
- 125 questions covering general property and casualty insurance concepts - the same foundational content tested in most P&C producer exams nationwide.
- 25 questions covering Arkansas-specific insurance law, regulation, and licensing rules under the state's Multi-Line (P&C) Arkansas Specific Content Outline.
That 125/25 split matters because it tells you where the bulk of your points live. The general portion is nearly five times larger than the state-specific portion, so a candidate who ignores general P&C concepts to over-focus on Arkansas statutes is optimizing the wrong side of the exam. For a full breakdown of how each content area is tested, see the AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
This is the 25-question Arkansas-specific segment. It covers state licensing law, producer duties, and regulatory requirements unique to Arkansas rather than generic insurance theory.
- Questions here are fact-based and drawn directly from Arkansas insurance statutes and Insurance Department rules - memorization pays off more than conceptual reasoning.
The Math: What 70% Actually Means Question by Question
Because the passing threshold applies to the 150 scored questions, 70% translates to a specific number of correct answers you need to hit. Rather than guess at your standing mid-exam, think of your preparation goal as consistently scoring well above that line in practice - not just barely clearing it - because real exam conditions (time pressure, unfamiliar phrasing, fatigue in the final third) tend to shave a few points off practice-test performance.
This is also why so many candidates ask How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026 - the difficulty isn't any single hard topic, it's sustaining accuracy across 13 different domains for 150 questions without a single content area dragging your average down.
Key Takeaway
Don't study to "just pass." Build a practice-test habit where you're consistently scoring meaningfully above 70%, since real exam-day conditions typically reduce performance compared to relaxed practice sessions.
How the 13 Domains Feed Into Your Score
The 150 scored questions are pulled from 13 content domains. Some domains are broad and heavily weighted; others are narrow but still capable of costing you points if skipped. Here's the full list a candidate must master:
- Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
- Domain 2: General Insurance Concepts
- Domain 3: Property and Casualty Insurance Basics
- Domain 4: Dwelling Policy Concepts
- Domain 5: Homeowners Policy Concepts
- Domain 6: Personal Automobile Policy
- Domain 7: Commercial Automobile Policy
- Domain 8: Commercial Property Policies
- Domain 9: Commercial General Liability
- Domain 10: Commercial Crime
- Domain 11: Businessowners Policy
- Domain 12: Other Types of Property and Casualty Insurance - Purpose and General Characteristics
- Domain 13: Workers' Compensation Laws
Because the exam doesn't tell you which domain each question comes from in real time, your safest strategy is treating every domain as fair game for the full 150-question pool. A weak spot in Commercial Crime or Businessowners Policy content can quietly cost you the same points as a weak spot in a bigger domain like Homeowners or Personal Auto.
Domain 2 & 3: General Insurance Concepts and P&C Basics
These foundational domains underpin almost every other domain on the exam. Terms like insurable interest, indemnity, perils, and policy structure show up embedded inside questions about dwelling, homeowners, and commercial coverage alike.
- Master these first - weak fundamentals make every later domain harder to answer correctly.
Domains 6-11: Line-Specific Policy Content
Personal Auto, Commercial Auto, Commercial Property, Commercial General Liability, Commercial Crime, and Businessowners Policy domains each test specific policy forms, exclusions, and endorsements.
- Expect scenario-based questions asking which policy or endorsement applies to a described loss situation.
For a deeper walkthrough of how to sequence your review across all 13 areas, the AR-PC Study Guide 2026: How to Pass on Your First Attempt lays out a domain-by-domain approach rather than a generic study checklist.
The 10 Pretest Questions Nobody Talks About
Beyond the 150 scored questions, the AR-PC exam includes 10 additional pretest questions. These are unscored - PSI uses them to evaluate new questions for future exam versions - but here's the catch: you won't know which questions are pretest and which are scored. All 160 questions look identical on screen.
The practical implication is straightforward: answer every question as if it counts, because ten of them silently don't, and you have no way to identify which ones. Treating any question as "skippable" is a mistake since you can't distinguish scored from unscored items during the test.
What Happens If You Miss the Score
Falling short of 70% isn't the end of the road, but it does come with structure. Candidates receive a 90-day permit that allows up to three exam attempts. If you fail three times, or your 90-day permit expires before you pass, you must wait four weeks and repeat the entire approval process - meaning your prelicensing eligibility and scheduling essentially reset.
This makes your first attempt disproportionately valuable. Rather than treating attempt one as a "diagnostic run," aim to walk in already scoring consistently above 70% in practice. For context on how the exam fee and retake costs stack up, see the AR-PC Certification Cost 2026: Complete Pricing Breakdown - each attempt carries its own $50 exam fee, so missing the score has a direct financial cost as well as a scheduling one.
It's also worth understanding the prelicensing education requirements that gate your permit and attempts in the first place. Arkansas Rule 31 requires 20 hours of approved prelicensing education per line, and course certificates are valid for two years - details covered fully in AR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Key Takeaway
You get three attempts inside a 90-day permit window. Prepare hard enough on attempt one that you don't need attempts two and three - each retake costs another $50 exam fee and eats into your permit's limited window.
A Domain-Weighted Study Plan Built Around the Score
Since the passing threshold is fixed at 70% and the domains aren't evenly weighted question-for-question in your control, the smartest approach is to allocate study time proportionally: more time on the large general-content domains, focused review sessions on the narrower commercial-lines domains, and a dedicated final push on the Arkansas-specific 25-question segment.
Foundations
- Domain 2: General Insurance Concepts
- Domain 3: Property and Casualty Insurance Basics
Personal Lines
- Domain 4: Dwelling Policy Concepts
- Domain 5: Homeowners Policy Concepts
- Domain 6: Personal Automobile Policy
Commercial Lines
- Domain 7: Commercial Automobile Policy
- Domain 8: Commercial Property Policies
- Domain 9: Commercial General Liability
- Domain 10: Commercial Crime
- Domain 11: Businessowners Policy
Specialty Topics & Arkansas Law
- Domain 12: Other Types of Property and Casualty Insurance
- Domain 13: Workers' Compensation Laws
- Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
- Full-length timed practice exams
Notice that Domain 1 - the Arkansas-specific portion - sits at the end. That's intentional: it's a smaller, denser block of state-law facts that's best reviewed close to your test date so it stays fresh, while the larger conceptual domains benefit from earlier repetition and spaced review. If you want to gauge how your preparation compares to typical outcomes, AR-PC Pass Rate 2026: What the Data Shows looks at what the available data actually shows without inflating numbers.
Test-Day Mechanics That Affect Your Score
A few logistical details directly influence whether you hit 70%:
- Delivery format: AR-PC is available at PSI test centers or via remote-proctored testing. Choose whichever environment you can focus best in - a noisy home office under remote proctoring can cost you concentration points just as easily as an unfamiliar test center.
- Time management: With 210 minutes for 160 questions, pacing yourself to leave a review buffer for flagged questions matters more than rushing to finish early.
- Fee and scheduling: The $50 exam fee applies per attempt, booked through PSI Services LLC once your 90-day permit is active.
If you haven't locked in your test date yet, AR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers how scheduling interacts with your permit window. And for a compact, last-week review of must-know facts across all 13 domains, many candidates use the AR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts alongside full-length practice exams on our practice test platform.
Once you've passed, it's worth thinking ahead to how the credential translates into opportunity - see AR-PC Jobs and AR-PC Salary Guide 2026: Complete Earnings Analysis for what comes after licensing, or Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 for the bigger-picture view.
Frequently Asked Questions
You need 70% correct on the 150 scored multiple-choice questions. The exam also includes 10 unscored pretest questions mixed in, for 160 total questions.
No. The 125 general questions and 25 Arkansas-specific questions combine into a single scored pool of 150 questions, and the 70% threshold applies to that combined total.
Your 90-day permit allows up to three attempts. If you fail all three or your permit expires, you must wait four weeks and repeat the approval process before scheduling again.
You have 210 minutes to complete all 160 questions (150 scored plus 10 pretest), which averages out to roughly 1.3 minutes per question.
Yes. PSI Services LLC offers both in-person, test-center delivery and remote-proctored delivery for the AR-PC exam, so you can choose the format that suits your situation.