- AR-PC is the Arkansas Property & Casualty Insurance Producer Exam, administered through the Arkansas Insurance Department with PSI Services LLC delivering the...
- The exam has 150 scored questions (plus 10 unscored pretest items) in 210 minutes, split into 125 general and 25 Arkansas-specific questions.
- You need 70% to pass, and Rule 31 requires 20 hours of prelicensing education per line before you can sit for it.
- The exam fee is $50, and a 90-day permit allows up to three attempts before a mandatory four-week wait.
What Is the AR-PC, Exactly?
AR-PC stands for the Arkansas Property and Casualty Insurance Producer Exam - the licensing test that anyone who wants to sell property and casualty insurance in Arkansas must pass. It is not a voluntary professional designation you add to a resume after years of experience; it is the state-mandated gatekeeper between finishing prelicensing coursework and legally soliciting or selling P&C policies to Arkansas residents. If you want to write homeowners, auto, commercial property, or general liability business in the state, the AR-PC is the exam standing between you and your producer license.
Because several other credentials in unrelated industries also use the letters "AR-PC," it's worth being precise: this article is exclusively about the Arkansas insurance producer exam. Nothing here should be confused with unrelated certifications that happen to share the same abbreviation. If you're researching what this exam covers in more depth, our AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas breaks down every tested area section by section.
Who Administers the Exam
The Arkansas Insurance Department sets the licensing requirements and rules, while the actual test delivery - scheduling, proctoring, and score reporting - is handled by PSI Services LLC. PSI operates the physical and remote testing infrastructure used across many state insurance exams, so if you've taken a licensing exam in another state you may already be familiar with the PSI test-day process. In Arkansas, candidates can choose between testing at a physical PSI test center or using remote online proctoring, giving some flexibility around scheduling and location.
This split responsibility - regulator sets the rules, vendor delivers the test - is standard for state insurance licensing, and understanding it helps explain why some administrative questions (fees, retake rules) come from the state while others (check-in procedures, ID requirements) come from PSI.
Exam Format and Scoring
The Property/Casualty exam consists of 150 scored multiple-choice questions plus 10 additional pretest questions that are not counted toward your score, for a total of 160 questions. You're given 210 minutes to complete the exam. The pretest questions are mixed in without being identified, so you should treat every question as if it counts.
The scored portion of the exam is divided into two parts:
- 125 questions covering general property and casualty insurance concepts that apply broadly across the industry.
- 25 questions covering Arkansas-specific insurance laws, regulations, and producer requirements.
To pass, you need a score of 70%. That threshold applies to the overall scored exam, and understanding exactly how that percentage is calculated - and what it means for how many questions you can miss - is covered in detail in AR-PC Passing Score 2026: Exactly What You Need to Pass.
Key Takeaway
Don't underestimate the 25-question Arkansas-specific portion just because it's smaller. Missing most of those questions can sink an otherwise strong score, so dedicate focused study time to state-specific rules, not just general P&C theory.
The 13 Content Domains
The AR-PC exam blueprint is organized into 13 distinct domains. Some are broad conceptual areas, while others are narrow and product-specific. Knowing the full list helps you build a study plan that doesn't overweight the topics you already find comfortable.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
Covers the state laws, licensing rules, and regulatory requirements unique to Arkansas producers.
- Producer licensing and continuing education rules
Domain 2: General Insurance Concepts
Foundational terminology and principles that apply across all P&C products.
- Policy structure, insurable interest, and contract fundamentals
Domain 3: Property and Casualty Insurance Basics
Core distinctions between property coverage and liability/casualty coverage.
- Named perils vs. open perils concepts
Domain 4: Dwelling Policy Concepts
Dwelling policy forms and how they differ from homeowners coverage.
- DP-1, DP-2, and DP-3 form distinctions
Domain 5: Homeowners Policy Concepts
HO policy forms, coverage parts, and common endorsements.
- Coverage A through F structure
Domain 6: Personal Automobile Policy
PAP structure, liability limits, and personal auto exclusions.
- Medical payments and uninsured motorist coverage
Domain 7: Commercial Automobile Policy
Business auto coverage symbols and commercial exposure differences from personal auto.
- Covered auto symbols 1-9
Domain 8: Commercial Property Policies
Building and personal property coverage forms used in commercial settings.
- Causes of loss forms
Domain 9: Commercial General Liability
CGL structure, coverage triggers, and exclusions.
- Occurrence vs. claims-made triggers
Domain 10: Commercial Crime
Crime coverage forms addressing employee dishonesty and theft exposures.
- First-party vs. third-party crime coverage
Domain 11: Businessowners Policy
BOP eligibility and combined property/liability structure for small businesses.
- Eligible classes and BOP limitations
Domain 12: Other Types of Property and Casualty Insurance
Purpose and general characteristics of specialty lines not covered elsewhere.
- Umbrella, inland marine, and surety basics
Domain 13: Workers' Compensation Laws
Workers' comp coverage parts and Arkansas-relevant statutory concepts.
- Coverage A and Coverage B distinctions
For a deeper walkthrough of how these 13 domains map to actual exam weight and question style, see AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Prelicensing Education and Eligibility
You cannot simply register and sit for the AR-PC. Arkansas requires approved Property and Casualty prelicensing education first. Under Rule 31, candidates must complete 20 hours of coursework per line of authority. If you're pursuing both property and casualty lines, that requirement applies per line, so plan your coursework schedule accordingly.
There are repeat-course exemptions available for candidates who have recently completed state-law and ethics components, meaning you may not have to retake those specific segments if you completed them recently through a prior course. Course completion certificates are valid for two years, so if you complete your prelicensing hours and then delay testing, make sure you're still within that window before you register.
Full eligibility mechanics, including how the education requirement interacts with your testing permit, are laid out in AR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Registering, Fees, and Attempts
The exam fee for the AR-PC is $50, paid when you register through PSI. Once approved, candidates receive a 90-day permit that allows up to three attempts at the exam within that window. If you fail all three attempts, or your 90-day permit expires before you pass, you must wait four weeks and repeat the entire approval process from the beginning - meaning you'll need to reconfirm your prelicensing education eligibility and reapply.
This structure makes attempt planning important. Rather than treating your first attempt as a "trial run," go in prepared, since a failed attempt costs both time and - if you exhaust your permit - the need to restart the approval process. A full breakdown of what you'll pay across prelicensing courses, the exam fee, and any retake costs is available in AR-PC Certification Cost 2026: Complete Pricing Breakdown. If you're trying to figure out realistic scheduling windows around your permit, AR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through how to plan around the 90-day clock.
| Exam Detail | Specification |
|---|---|
| Total questions | 150 scored + 10 pretest (160 total) |
| Time allowed | 210 minutes |
| General portion | 125 questions |
| Arkansas-specific portion | 25 questions |
| Passing score | 70% |
| Exam fee | $50 |
| Prelicensing requirement | 20 hours per line (Rule 31) |
| Permit window | 90 days, up to 3 attempts |
| Course certificate validity | 2 years |
Who Actually Needs an AR-PC
The AR-PC is required for anyone seeking a resident producer license to sell property and casualty insurance products in Arkansas. That includes people entering the industry as captive agents for a single carrier, independent agents representing multiple carriers, and staff at agencies who will be quoting, binding, or advising on P&C policies. It's also relevant to career-changers moving into insurance sales, customer service representatives being promoted into producer roles, and account managers at commercial agencies who need licensing to service client accounts directly.
Employers hiring for these roles - regional agencies, national carriers with Arkansas operations, independent brokerages - typically expect candidates to either already hold the license or be actively working toward it. If you're weighing whether pursuing this license fits your career goals, AR-PC Salary Guide 2026: Complete Earnings Analysis and Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 both dig into the practical career payoff. For a sense of what kinds of positions actually list this license as a requirement, AR-PC Jobs covers common role types.
How to Approach Studying
Because the exam splits 125 general questions from 25 Arkansas-specific questions, an efficient study plan treats those as two separate tracks rather than one blended review. Spend early study sessions building product knowledge across domains 2 through 13 - the general insurance concepts, policy forms, and coverage structures - before shifting toward domain 1's state-specific rules in the final stretch, since that material is more memorization-heavy and better retained close to test day.
Core Product Knowledge
- Work through Domains 3-6: P&C basics, dwelling, homeowners, and personal auto
Commercial Lines
- Cover Domains 7-11: commercial auto, commercial property, CGL, crime, and BOP
Specialty and Workers' Comp
- Review Domain 12 and Domain 13, then take a full practice exam under timed conditions
Arkansas-Specific Review
- Concentrate on Domain 1 state rules and retake missed practice questions
Whatever timeline you use, running full-length, timed practice exams under conditions similar to test day - 210 minutes, no interruptions - is one of the most reliable ways to know if you're ready. Our AR-PC Study Guide 2026: How to Pass on Your First Attempt goes deeper into pacing strategy and question-review techniques, and you can start practicing directly on our AR-PC practice test platform to get a feel for the question format before scheduling your official exam.
If you're still unsure how challenging the exam actually is relative to your background, How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026 and AR-PC Pass Rate 2026: What the Data Shows offer honest context without relying on borrowed or invented statistics.
Key Takeaway
Treat the exam's two scored sections - 125 general questions and 25 Arkansas-specific questions - as separate study tracks, with state-specific rules reviewed closest to your test date.
Frequently Asked Questions
AR-PC stands for the Arkansas Property and Casualty Insurance Producer Exam, the licensing test required to sell P&C insurance in Arkansas. For a closer look at the terminology itself, see AR-PC Meaning and What Does AR-PC Stand For?
There are 150 scored questions plus 10 unscored pretest questions, for a total of 160 questions, to be completed within 210 minutes.
You need to score 70% on the scored portion of the exam, which is split into 125 general questions and 25 Arkansas-specific questions.
Yes. Rule 31 requires 20 hours of approved prelicensing education per line, with certain exemptions for recently completed state-law and ethics coursework. Course certificates remain valid for two years.
Your 90-day permit allows up to three attempts. If you fail all three or the permit expires, you must wait four weeks and repeat the approval process before testing again.
Understanding what the AR-PC actually is - its structure, its domains, and the registration mechanics behind it - is the foundation for building a realistic study plan. For related terminology questions, see What Is AR-PC?, What Does AR-PC Mean?, and What Is AR-PC Certification?, or explore AR-PC Training and AR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts as you get closer to test day.