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State guide

How to become a public adjuster in Arizona

Arizona requires a public adjuster license. There is no statutory fee cap; the governing law is A.R.S. §§ 20-321, 20-321.01.

Arizona has no separate public adjuster license; anyone adjusting for an insured must hold the Arizona adjuster license. No bond or fee cap is set by statute.

The pathway

Getting licensed in Arizona

The Arizona Department of Insurance and Financial Institutions issues the Adjuster license. Arizona uses one adjuster license for company, independent and public adjusters; you declare which you are on the application. Arizona issues a single Adjuster license (A.R.S. §§ 20-321, 20-321.01) covering anyone paid to adjust claims 'on behalf of an insurance company or insured'; DIFI notes 'public adjuster' is only a descriptive term, not a separate license class.

Official sources

Gathered from these sources on August 28, 2026. Fees and hours change with the legislative calendar, and this page may be out of date. The regulator’s own page is the only current authority.

  1. Register with PSI and pass the Arizona Property & Casualty Adjuster exam ($59, 70% to pass) unless you hold a resident adjuster license elsewhere.

  2. Apply for the Adjuster license through NIPR and pay the $120 license fee.

  3. After submitting the application, register on the DPS Public Services Portal ($22.44) and get fingerprinted through Fieldprint ($8.25).

  4. Watch for DIFI's approval or deficiency notice; do not adjust claims until the license appears in License Search.

  5. Renew through NIPR every four years (by the end of your birth month) for $120; no CE is required.

Who can apply
At least 18 years old · Residents and non-residents Resident of Arizona or of a state that allows Arizona residents to act as adjusters there (§ 20-321.01(C)(2)).
Prelicensing course
Not required Arizona has no prelicensing education requirement for the adjuster exam.
State exam
PSI · pass at 70% · $59 per attempt PSI administers Arizona exams (2026 bulletin). Required for residents and for nonresidents who do not hold a resident adjuster license; limited to four attempts per 12 months; license application must be filed within one year of passing (A.R.S. § 20-284).
Application
NIPR · $120 application fee State exam $59. Fingerprint fee is $8.25 to Fieldprint plus $22.44 FBI processing paid to DPS. Paper application also accepted. No paper license certificates are issued; processing can take up to a month.
Background check
Fingerprints required for all applicants: enroll at Fieldprint after submitting the NIPR application and register on the DPS Public Services Portal (PSI bulletin; § 20-321.01(E)). Fingerprint fee $30.69
Surety bond
No bond required No surety bond requirement for adjusters in A.R.S. §§ 20-321–20-321.02 or on DIFI's adjuster page.
Renewal
Every 4 years · $120 Individual licenses expire on the last day of the licensee's birth month, not less than three nor more than four years after issuance (A.R.S. § 20-289); renew up to 90 days early; $100 late fee for up to one year after expiration.
Continuing education
None required DIFI: 'Arizona law does not require you to complete insurance continuing education' for adjusters.
Already licensed elsewhere?
Reciprocity available Nonresidents holding a resident adjuster license in their home state are exempt from the Arizona exam; those without a resident license must pass it.

Not stated in these sources

These points were not stated in the sources listed, so we have left them blank rather than guess. Ask the regulator directly:

  • ·Exam questions: PSI bulletin includes the P&C Adjuster content outline but the extracted text did not show the question count or time limit.
  • ·Exam url: Bulletin copy was hosted by the Independent Insurance Agents of Arizona; PSI's own Arizona bulletin URL could not be reached.

Arizona in the reference tables

Each table answers one question for all 50 states and DC, with the citation. Open one and find the Arizona row.

See how a claim runs in Arizona, stage by stage Associations covering Arizona

Arizona law in the library

35 primary-source documents for Arizona: statutes, regulations, bulletins and consumer guides, stored as published. Sign in to open them.

  • 20 A.A.C. 6 — Arizona Administrative Code, Title 20, Chapter 6, Department of Insurance and Financial Institutions - Insurance Division (complete chapter, Supp. 26-1, March 31, 2026): archived source PDF for R20-6-801 Arizona Secretary of State
  • A.A.C. R20-6-801. Unfair Claims Settlement Practices (as amended effective January 7, 2024) Arizona Department of Insurance and Financial Institutions - Insurance Division
  • A.R.S. SS 20-123 and 20-127 — Homeowners insurers; data compilation; annual report; public posting, and Fire insurance review task force; membership; duties; report Arizona State Legislature
  • A.R.S. Title 20, Chapter 2, Article 6 — Unfair Practices and Frauds: official table of sections Arizona State Legislature
  • A.R.S. Title 20, Chapter 6, Article 7 — Property Insurance (§§ 20-1501 through 20-1510), including the Arizona standard fire policy Arizona State Legislature
  • A.R.S. §§ 20-281 to 20-302 — licensee conduct, discipline and prohibited practices, applied to adjusters by § 20-321.02 Arizona State Legislature
  • Arizona Revised Statutes § 12-542. Injury to person; injury when death ensues; injury to property; conversion of property; forcible entry and forcible detainer; two year limitation Arizona State Legislature
  • Arizona Revised Statutes § 12-548. Contract in writing for debt; six year limitation; choice of law Arizona State Legislature