- The AR-PC exam has 150 scored questions (plus 10 unscored pretest items) in 210 minutes; you need 70% to pass.
- 125 questions cover general P&C concepts; 25 cover Arkansas-specific law and rules - don't skip that portion.
- Rule 31 requires 20 hours of approved prelicensing education per line before you can sit for the exam.
- A 90-day permit gives you three attempts; miss all three or let it expire and you wait four weeks to restart.
What the AR-PC Exam Actually Tests
The Arkansas Property & Casualty Insurance Producer Exam (AR-PC) is administered through PSI Services LLC on behalf of the Arkansas Insurance Department. It is not a generic insurance quiz - it's a licensing gate that confirms you understand both national property/casualty principles and Arkansas-specific statutes before you're allowed to sell P&C products in the state. If you're still mapping out what this credential covers versus other insurance exams, our overview at What Is AR-PC? and the plain-language explainer AR-PC Meaning are good starting points.
Structurally, the exam is a single sitting of 150 scored multiple-choice questions plus 10 unscored pretest questions PSI uses to evaluate future items, all within a 210-minute window. You won't know which 10 are unscored, so every question deserves full attention. The 150 scored questions are divided into two blocks: a 125-question general portion covering P&C fundamentals that mirror national standards, and a 25-question Arkansas-specific portion testing state law, licensing rules, and regulatory requirements unique to Arkansas.
Registration, Fees & Scheduling Mechanics
Before you can even book a seat, Arkansas requires approved Property and Casualty prelicensing education. Under Rule 31, that's 20 hours of coursework per line of authority, though candidates who recently completed the state-law and ethics components through another qualifying course may be exempt from repeating them. Once you finish an approved course, your completion certificate is valid for two years - plan your exam date within that window or you'll need to retake the education requirement.
The exam fee is $50, payable when you schedule through PSI. You can test either at a physical PSI test center or through remote online proctoring, whichever fits your schedule better. For a full cost breakdown including education expenses, see AR-PC Certification Cost 2026: Complete Pricing Breakdown.
Arkansas issues a 90-day testing permit once your prelicensing education is verified. That permit allows up to three exam attempts. If you fail all three attempts, or if the 90-day window expires before you pass, you must wait four weeks and repeat the entire approval process - including re-verifying your education eligibility. This makes scheduling discipline just as important as content mastery. If you want the specifics on eligibility rules and how the permit process works, read AR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify, and for exact date-planning guidance check AR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Key Takeaway
Book your first attempt as early as reasonably possible within your 90-day permit window. That leaves buffer room for a second or third attempt without racing the clock or restarting the approval process.
Domain-by-Domain Breakdown
The AR-PC content outline spans 13 domains. Some are dense with policy-form details; others are narrower but still carry real point value. Here's what each one demands, condensed for study planning. For a deeper dive into weighting and subtopics, see 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 state-law portion tested in the 25-question block. It covers Arkansas licensing procedures, producer duties, and regulatory requirements administered by the Arkansas Insurance Department.
- Know how licensing, renewal, and permit rules apply specifically in Arkansas
Domain 2: General Insurance Concepts
Foundational vocabulary and principles that underpin every other domain - risk, indemnity, insurable interest, policy structure basics.
- Master these terms early; they reappear inside every later domain's questions
Domain 3: Property and Casualty Insurance Basics
Covers core P&C concepts distinct from life/health lines - perils, hazards, loss valuation methods, and basic contract provisions.
- Understand the difference between named-peril and open-peril coverage forms
Domain 4: Dwelling Policy Concepts
Tests knowledge of dwelling program forms, coverage limits, and exclusions distinct from homeowners policies.
- Compare dwelling forms against homeowners forms to avoid mixing up eligibility and coverage triggers
Domain 5: Homeowners Policy Concepts
One of the heavier domains - covers HO form types, coverage parts, endorsements, and common exclusions.
- Learn how each coverage part (dwelling, other structures, personal property, liability) applies to real scenarios
Domain 6: Personal Automobile Policy
Focuses on PAP structure - liability, medical payments, uninsured motorist, and physical damage coverage parts.
- Know which coverage part responds in each claim scenario question type
Domain 7: Commercial Automobile Policy
Business auto coverage symbols, covered autos, and liability/physical damage distinctions for commercial exposures.
- Memorize the covered-auto symbol system - it's a frequent question trap
Domain 8: Commercial Property Policies
Covers building and personal property coverage forms, causes-of-loss forms, and valuation methods for commercial exposures.
- Distinguish basic, broad, and special causes-of-loss forms
Domain 9: Commercial General Liability
CGL coverage parts A, B, and C, occurrence versus claims-made triggers, and standard exclusions.
- Understand how occurrence and claims-made forms differ in claim-reporting timing
Domain 10: Commercial Crime
Covers employee dishonesty, forgery, and theft coverage forms unique to commercial crime policies.
- Learn which crime coverage forms apply to first-party versus third-party losses
Domain 11: Businessowners Policy
BOP eligibility, package structure, and how it bundles property and liability for small commercial accounts.
- Know the eligibility criteria that determine whether a business qualifies for a BOP versus separate policies
Domain 12: Other Types of Property and Casualty Insurance
A broader domain covering purpose and general characteristics of specialty P&C products outside the core policy forms.
- Focus on purpose and general characteristics rather than deep policy-form memorization here
Domain 13: Workers' Compensation Laws
Covers workers' compensation coverage parts and the statutory framework governing employer liability.
- Understand how workers' comp interacts with employer's liability coverage
A Realistic Study Timeline
Because the AR-PC exam blends 12 P&C content domains with one Arkansas-specific law domain, your study plan should treat those two categories differently - general P&C concepts benefit from steady repetition, while Arkansas-specific rules need focused memorization closer to your test date.
Foundations
- Work through Domains 2 and 3 to build vocabulary and core concepts
- Skim your prelicensing course materials to confirm your 20-hour requirement per line is fully documented
Personal Lines
- Study Domains 4, 5, and 6 - dwelling, homeowners, and personal auto
- Practice scenario questions that ask which coverage part responds to a given loss
Commercial Lines
- Cover Domains 7 through 11 - commercial auto, commercial property, CGL, crime, and BOP
- Drill CGL occurrence versus claims-made distinctions until they're automatic
Specialty Lines & Arkansas Law
- Finish Domain 12 (other P&C types) and Domain 13 (workers' compensation)
- Shift heavy focus to Domain 1's Arkansas-specific content - this is the 25-question block
- Take full-length timed practice exams to simulate the 210-minute session
If you want a condensed reference to run through in the final days before your exam, our AR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts distills the highest-yield facts across all 13 domains into one page.
Question Format & Exam-Day Mechanics
All 150 scored questions are multiple-choice, delivered alongside 10 unscored pretest items you won't be able to identify. You'll have 210 minutes total, which averages out to roughly 78 seconds per question if you use the full time - but pacing yourself so you can review flagged questions near the end is smarter than treating every question as equally time-intensive.
You need a 70% score to pass, which applies to the combined scored total across both the general and Arkansas-specific portions. For the exact math behind that threshold and how many questions you can afford to miss, see AR-PC Passing Score 2026: Exactly What You Need to Pass.
You can choose test-center delivery or remote online proctoring. Remote proctoring requires a private, quiet space and a stable internet connection, while test centers handle environment logistics for you. Neither format changes the content or scoring - the choice is purely about convenience and comfort.
Common Mistakes That Sink First Attempts
- Treating Domain 1 as an afterthought. The 25-question Arkansas-specific block is scored just like the general portion - ignoring it to focus on national P&C content is a common and avoidable error.
- Letting the course certificate lapse. Certificates are valid for two years; scheduling your exam too far out risks having to redo prelicensing hours.
- Confusing dwelling and homeowners forms. Domains 4 and 5 overlap conceptually but test different eligibility rules and coverage triggers - mixing them up costs points on both.
- Underestimating commercial lines density. Domains 7 through 11 together make up a large share of content; skimming CGL or BOP mechanics leaves gaps across multiple questions.
- Not practicing under timed conditions. 210 minutes feels long until you're deep into detailed policy-form comparisons; full-length timed runs on our practice test platform build the stamina real exam conditions demand.
If you're unsure how your prep stacks up against the exam's actual difficulty, How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026 walks through what makes this exam challenging domain by domain, and AR-PC Pass Rate 2026: What the Data Shows gives context on outcomes without relying on guesswork.
Who Hires AR-PC Producers
Passing the AR-PC exam is the licensing step that lets you legally sell property and casualty insurance in Arkansas - independent agencies, captive carrier offices, and brokerages hiring producers for personal and commercial lines all require this credential before you can bind coverage or discuss policy terms with clients. Because the domain list spans everything from homeowners policies to workers' compensation, license holders are qualified to work across both personal and commercial P&C books rather than a single narrow niche.
If you're weighing whether this career path fits your goals, Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 and AR-PC Salary Guide 2026: Complete Earnings Analysis cover the practical upside, while AR-PC Jobs outlines the kinds of roles that typically require this license. For structured coursework options that satisfy the Rule 31 education requirement, AR-PC Training is a useful next stop, and running full practice sessions on our exam prep platform is one of the most direct ways to convert domain knowledge into exam-day performance.
Frequently Asked Questions
There are 150 scored multiple-choice questions plus 10 unscored pretest questions, all within a 210-minute testing session.
You need 70% on the combined scored portion, which includes both the 125-question general section and the 25-question Arkansas-specific section.
Your 90-day permit allows three attempts. If you fail all three, or the permit expires first, you must wait four weeks and repeat the approval process.
Yes. Rule 31 requires 20 hours of approved education per line, with some exemptions for recently completed state-law and ethics components. Course certificates stay valid for two years.
Yes, PSI Services LLC offers both test-center and remote-proctored delivery, so you can choose whichever format fits your schedule and testing environment.