- AR-PC is the Arkansas Property/Casualty Insurance Producer Exam, administered through PSI Services LLC.
- The scored exam has 125 general questions plus 25 Arkansas-specific questions, totaling 150 scored items in 210 minutes.
- A passing score is 70%, and the exam covers 13 distinct content domains.
- Rule 31 requires 20 hours of approved prelicensing education per line before you can sit for the exam.
What Is AR-PC?
AR-PC stands for the Arkansas Property and Casualty Insurance Producer Exam - the licensing test required by the Arkansas Insurance Department for anyone who wants to sell, solicit, or negotiate property and casualty insurance products in the state. It is not a voluntary professional certification you add to a resume for prestige; it is a mandatory regulatory exam tied directly to your legal ability to hold a producer license and earn commissions on P&C policies in Arkansas.
If you're new to the process, this guide walks through exactly what the exam covers, how it's structured, and what you need to do before, during, and after test day. For a deeper breakdown of scoring specifics, see our AR-PC Passing Score 2026: Exactly What You Need to Pass article, and for a full content map, check the AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Who Administers the AR-PC Exam
Two organizations matter here. The Arkansas Insurance Department sets the licensing requirements, rules, and content standards - including Rule 31, which governs prelicensing education. PSI Services LLC is the third-party testing vendor that actually delivers the exam, whether you sit at a physical test center or use remote proctoring from home.
This two-party structure is standard for state insurance licensing: the regulator defines what you must know, and the testing company handles scheduling, delivery, and score reporting. Understanding this split matters practically - if you have a question about content or eligibility, that's an Arkansas Insurance Department matter; if you have a scheduling or test-day logistics question, that's a PSI matter.
Exam Format and Scoring
The AR-PC Property/Casualty exam consists of 150 scored multiple-choice questions plus 10 unscored pretest questions, giving you 160 total questions to answer within 210 minutes. The pretest questions are indistinguishable from scored ones, so you should treat every question on the screen as if it counts.
The 150 scored questions are split into two portions:
- 125 questions covering general property and casualty insurance concepts
- 25 questions covering Arkansas-specific laws, rules, and regulations
To pass, you need a score of 70%. Because the exam blends broad conceptual knowledge with state-specific regulatory detail, candidates who only study generic P&C material often get tripped up on the Arkansas-specific portion - and vice versa. Our AR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts is built specifically to help you keep both halves straight during final review.
Key Takeaway
Don't neglect the 25-question Arkansas-specific segment just because it's smaller - missing too many of those questions can sink an otherwise strong score on the general portion.
The 13 AR-PC Domains
The exam content is organized into 13 domains that move from broad insurance theory to specific policy types and state law. Knowing how these domains are weighted and sequenced helps you decide where to spend your limited study hours. For a domain-by-domain walkthrough with sample question styles, see the AR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
Covers Arkansas insurance law, licensing rules, and regulatory requirements unique to producers in the state.
- Producer licensing rules and continuing education obligations
- Unfair trade practices under Arkansas statute
- Department authority and disciplinary actions
Domain 2: General Insurance Concepts
Foundational terminology and principles that apply across all P&C lines.
- Risk, hazard, and peril distinctions
- Contract elements and insurable interest
- Underwriting basics
Domain 3: Property and Casualty Insurance Basics
Core structural concepts shared by nearly every property and casualty policy.
- Policy structure: declarations, insuring agreements, exclusions, conditions
- Loss valuation methods (ACV vs. replacement cost)
- Coinsurance mechanics
Domain 4: Dwelling Policy Concepts
Coverage forms and endorsements specific to dwelling (DP) policies.
- DP-1, DP-2, and DP-3 coverage differences
- Named perils vs. open perils
Domain 5: Homeowners Policy Concepts
The structure of standard homeowners forms and their coverage parts.
- HO forms and what each one covers
- Liability and medical payments coverage
Domain 6: Personal Automobile Policy
Personal auto coverage parts, exclusions, and endorsements.
- Liability, collision, and comprehensive coverage
- Uninsured/underinsured motorist provisions
Domain 7: Commercial Automobile Policy
How commercial auto exposures differ from personal auto.
- Covered autos symbols
- Business use classifications
Domain 8: Commercial Property Policies
Building and personal property coverage forms used by businesses.
- Causes of loss forms
- Business income coverage
Domain 9: Commercial General Liability
CGL structure and the exposures it's designed to address.
- Occurrence vs. claims-made triggers
- Coverage A, B, and C distinctions
Domain 10: Commercial Crime
Fidelity and crime coverage forms for businesses.
- Employee dishonesty coverage
- Forgery and computer fraud provisions
Domain 11: Businessowners Policy
The BOP as a packaged solution for small and mid-sized businesses.
- Eligibility requirements
- Property and liability coverage bundled together
Domain 12: Other Types of Property and Casualty Insurance
Purpose and general characteristics of specialty coverage lines.
- Inland marine and ocean marine basics
- Umbrella and excess liability concepts
Domain 13: Workers' Compensation Laws
Statutory framework and coverage structure for workers' comp.
- Coverage A and Coverage B distinctions
- Employer obligations under state law
Because this exam mixes national P&C concepts with Arkansas-specific rules across all 13 areas, candidates often underestimate how much cross-referencing is required. If you want to gauge realistically how challenging this mix is for someone with your background, read How Hard Is the AR-PC Exam? Complete Difficulty Guide 2026.
Prelicensing Education and Eligibility
Before you can sit for the AR-PC exam, Arkansas requires approved Property and Casualty prelicensing education. Under Rule 31, candidates must complete 20 hours per line of approved coursework. If you recently completed state-law or ethics components as part of another line's prelicensing education, you may qualify for a repeat-course exemption, so it's worth checking your prior course certificates before re-enrolling in overlapping content.
Course completion certificates are only valid for two years, so timing matters - if you complete your prelicensing hours but delay scheduling your exam, you risk having to retake the coursework. For a full rundown of eligibility criteria, exemptions, and documentation requirements, see AR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Registration, Fees, and Attempts
The AR-PC exam carries a $50 exam fee. Once approved to test, candidates receive a 90-day permit that allows up to three attempts within that window. If you fail all three attempts, or if your permit expires before you pass, you must wait four weeks and repeat the approval process from the beginning - including confirming your prelicensing education is still valid.
You can take the exam either at a physical PSI test center or through remote-proctored delivery, depending on what's available and what you're comfortable with. Remote proctoring adds convenience but requires a compliant testing environment at home, so review PSI's remote requirements ahead of scheduling.
For a complete breakdown of every cost associated with getting licensed - not just the exam fee itself - see AR-PC Certification Cost 2026: Complete Pricing Breakdown. And if you're trying to lock in a testing date around other commitments, AR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling covers how the scheduling windows work in practice.
| Exam Element | Detail |
|---|---|
| Scored Questions | 150 (125 general + 25 Arkansas-specific) |
| Pretest Questions | 10 (unscored, unidentified) |
| Time Allowed | 210 minutes |
| Passing Score | 70% |
| Exam Fee | $50 |
| Attempts per Permit | 3 (within 90-day permit) |
| Delivery Options | Test center or remote-proctored |
Who Takes the AR-PC Exam
The AR-PC exam is taken by people entering the property and casualty insurance business in Arkansas - future independent agents, captive agents working for a specific carrier, brokers, and account managers at agencies who need a producer license to legally discuss and bind coverage. Many candidates are hired by an agency contingent on passing this exam within a set timeframe, which is why understanding the exact question format and domain weighting matters from day one of prep, not just the week before test day.
Because a license opens doors to multiple career paths within P&C - from personal lines service to commercial risk management - some candidates also want to understand what passing actually translates to in terms of career and pay. Our AR-PC Salary Guide 2026: Complete Earnings Analysis and AR-PC Jobs pages cover that ground, and Is the AR-PC Certification Worth It? Complete ROI Analysis 2026 weighs the licensing investment against the career upside.
Building a Domain-Based Study Plan
Because the AR-PC exam spans 13 domains ranging from general concepts to highly specific policy forms, the most efficient study approach groups related domains together rather than studying them in isolation. Personal lines domains (Dwelling, Homeowners, Personal Auto) share overlapping concepts like named perils and loss valuation, while commercial lines domains (Commercial Auto, Commercial Property, CGL, Commercial Crime, BOP) share underwriting logic that's easier to learn as a cluster.
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 and Arkansas Law
- Domain 12: Other Types of P&C Insurance
- Domain 13: Workers' Compensation Laws
- Domain 1: Arkansas Specific Content Outline
Saving Domain 1 for the final week works well because Arkansas-specific rules are easier to retain once you already understand the general insurance concepts they modify. For a more detailed week-by-week plan with practice question targets, see the AR-PC Study Guide 2026: How to Pass on Your First Attempt.
Key Takeaway
Cluster your studying by policy family (personal lines, then commercial lines) rather than jumping between unrelated domains - it reinforces overlapping concepts like coverage triggers and exclusions.
Whatever schedule you use, pairing content review with realistic practice questions on our AR-PC practice test platform helps you get comfortable with the exam's pacing - 210 minutes for 160 questions leaves roughly 78 seconds per question on average, so building speed under timed conditions matters as much as knowing the material. If you want data-informed context on how test-takers generally perform, our AR-PC Pass Rate 2026: What the Data Shows article breaks down what's publicly known.
Once you've built a study rhythm, running full-length timed sets on the practice test site repeatedly before your scheduled date is the single best way to confirm you're ready across all 13 domains, not just the ones you find most interesting.
Frequently Asked Questions
AR-PC stands for the Arkansas Property and Casualty Insurance Producer Exam, the state licensing test administered through PSI Services LLC on behalf of the Arkansas Insurance Department. For more on the terminology, see AR-PC Meaning and What Does AR-PC Stand For?
There are 150 scored multiple-choice questions plus 10 unscored pretest questions, for 160 total questions in 210 minutes. The scored portion splits into 125 general questions and 25 Arkansas-specific questions.
You need 70% correct on the scored portion to pass. See AR-PC Passing Score 2026: Exactly What You Need to Pass for more detail.
The exam fee is $50. This doesn't include prelicensing course costs, which vary by provider - see AR-PC Certification Cost 2026: Complete Pricing Breakdown for a full cost picture.
Your 90-day permit allows three attempts. If you fail all three or your permit expires, you must wait four weeks and repeat the approval process, including reconfirming your prelicensing education is still valid.
Passing the AR-PC exam is a regulatory milestone, not just a knowledge test - it's the gateway to legally operating as a property and casualty producer in Arkansas. Understanding the domain structure, the general-versus-state-specific question split, and the permit and attempt rules up front lets you plan your prelicensing education, study schedule, and test date without last-minute surprises.