PassProfessor’s Oklahoma program is part of the expanding PassProfessor catalog. The 9,992-question Oklahoma practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
1. The Oklahoma P&C exam, in one paragraph
The Oklahoma Property & Casualty Producer exam is the licensing exam for Oklahoma’s combined property and casualty producer license, administered by PSI Services LLC for the Oklahoma Insurance Department (OID). You will see 155 multiple-choice questions in 150 minutes: 150 are scored, and 5 are unscored experimental questions you cannot identify. You pass with 70% correct. Oklahoma requires no pre-licensing education for this license and no fingerprinting for producer applicants, so the path is short: pass the exam, wait three business days, and apply online — your passing result stays valid for two years. The exam fee is $38, paid to PSI; the license application fee is a separate $60, paid to the state when you apply.
2. Who can take the Oklahoma P&C exam?
Oklahoma runs its producer exams on what PSI calls open eligibility: there is no course to complete, no sponsor to find, and no state pre-approval to obtain before you may sit the exam. To test, and then to be licensed, you must meet the requirements PSI’s Candidate Information Bulletin and the OID set out:
- Be at least 18 years old.
- Be a citizen of the United States, or possess a valid visa or I-94 card.
- Have a clean-enough record. Applications may be denied if a candidate has been convicted of a crime, had a judgment withheld or deferred, or is currently charged with committing a crime. Federal law (18 U.S.C. §§ 1033 and 1034) and Oklahoma law (36 O.S. § 402) bar anyone convicted of a felony involving dishonesty or breach of trust from engaging in the business of insurance at all — unless the OID grants a 1033 Waiver. The OID is explicit about the sequence: if that bar applies to you, submit the 1033 Waiver application first, and continue with the license application only once a waiver has been granted.
- Complete no pre-licensing education. Oklahoma sets no classroom or course hours before this exam, for producers or adjusters. The OID’s application guidance puts it plainly: “You may prepare to take the Licensing exam by any means appropriate for you.” The Department lists exam-prep providers and sells the Kaplan study manuals the exams are based on, but it neither requires nor regulates preparation. The single Oklahoma exception is the bail bondsman line — 16 hours of pre-licensing education plus an OID-handled background check — which is a different license and a different exam.
- Be an Oklahoma resident to apply as a resident. First-time resident applicants prove residency inside the application itself: NIPR requires a legible color copy (front and back) of your Oklahoma driver’s license or state identification, uploaded to the NIPR Warehouse. Producers already licensed as residents of another state generally apply for a nonresident license by reciprocity, without taking Oklahoma’s exam.
Two things that trip people up, because they are common in other states and absent here:
- No fingerprinting. Unlike Texas or Florida, Oklahoma does not send producer applicants to a fingerprint vendor. Background screening happens through the questions on the license application itself; if you answer “yes” to a background question, you submit your supporting documents electronically through NIPR’s Attachments Warehouse.
- No appointment before the exam. No insurer needs to sponsor you to test. Appointment comes after licensure — it is the step that lets you sell a particular insurer’s products, and appointment procedures are themselves one of the topics the exam’s Licensing section tests.
3. The exam, piece by piece
The exam is a single combined sitting built from PSI’s Oklahoma Property and Casualty Producer content outline (effective August 1, 2026; the section counts are unchanged from the outline in effect through July 31, 2026). Eleven sections: four Oklahoma-specific, four property, three casualty — plus a fourth casualty section on provisions and contract law.
| Section | Scored questions | What it covers |
|---|---|---|
| Oklahoma-specific | ||
| Licensing | 7 | Appointment procedures, change of address, disciplinary actions, license maintenance and continuing education, the licensing process and purpose, qualifications, types of licensees |
| State Insurance Statutes, Rules, and Regulations | 16 | The Insurance Commissioner’s duties and powers, the Property and Casualty Insurance Guaranty Association, the Unfair Claims Settlement Practices Act, unfair practices and frauds (rebating, twisting, defamation), surplus lines, binders, cancellation and nonrenewal, insurer types, state definitions, and the federal rules the outline folds in (Fair Credit Reporting Act; fraud and false statements) |
| State Automobile Insurance Laws | 10 | Oklahoma auto cancellation/nonrenewal, the state automobile insurance plan, state-required minimum liability limits, uninsured/underinsured motorist |
| State Workers’ Compensation | 5 | Oklahoma workers’ compensation under Title 85A of the Oklahoma Statutes |
| General knowledge — Property | ||
| Personal Policies | 8 | Dwelling (DP) forms, homeowners (HO) forms, personal liability, mobile homes, inland marine and floaters, flood, earthquake, personal watercraft |
| Commercial Property Policies | 15 | Commercial property and the Building and Personal Property form, causes of loss, business income and extra expense, the Commercial Package Policy, equipment breakdown, the Businessowners Policy, crime and fidelity, commercial inland marine, flood and earthquake |
| Property Insurance Terms and Related Concepts | 20 | Risk, peril, hazard, insurable interest, indemnity, actual cash value and replacement cost, coinsurance, deductibles, proximate cause, vacancy, salvage, burglary/robbery/theft, representations, underwriting, other-insurance concepts |
| Property Policy Provisions and Contract Law | 15 | Declarations, insuring agreement, conditions, exclusions, duties of insured and insurer, mortgagee rights, proof of loss, appraisal, assignment, subrogation, contract elements, warranties and concealment, binders, endorsements, cancellation and nonrenewal provisions |
| General knowledge — Casualty | ||
| Personal Casualty Policies and Related Terms | 10 | Personal auto (liability, medical payments, physical damage, UM/UIM, who is an insured, owned and substitute autos), umbrella and excess liability |
| Commercial Casualty Policies, Bonds, and Related Terms | 20 | Commercial general liability and its coverage forms, business auto, garage coverage, workers’ compensation insurance concepts, surety bonds, professional liability (E&O, D&O), umbrella/excess |
| Casualty Insurance Terms and Related Concepts | 15 | Negligence, liability, accident and occurrence, bodily injury / property damage / personal injury liability, limits, insured contract, certificates of insurance, binders, warranties, representations, concealment, underwriting |
| Casualty Policy Provisions and Contract Law | 9 | Casualty declarations, insuring agreement, conditions, exclusions, the insured defined, duties after a loss, cancellation and nonrenewal, proof of loss |
| Total scored | 150 | Plus 5 unscored experimental questions = 155 on screen |
Four structural facts that shape how you should prepare:
- Oklahoma law is 38 of 150 scored questions — just over a quarter of the exam. No other part of the test is as dense with concrete, memorizable fact: which act does what, which deadline applies, what the Guaranty Association is for, what Title 85A requires. Candidates who prepare from a national textbook alone walk in underprepared for a quarter of the test.
- The two “terms and concepts” sections carry 35 general questions. Property terms (20) and casualty terms (15) are the exam’s vocabulary core, and PSI tests vocabulary through scenarios, not dictionary definitions.
- Commercial lines outweigh personal lines. Commercial property (15) plus commercial casualty and bonds (20) total 35 questions, against 18 for the two personal-policies sections. A personal-lines-only background leaves the biggest general block unstudied.
- There is one score, not two. The combined exam produces a single result against the 70% standard. Oklahoma also offers separate Property-only and Casualty-only producer exams (75 scored questions each, 120 minutes, the same $38 fee) for candidates who want only one line — but the combined exam in this guide is the standard route to the full P&C license, and it is scored as one test.
Experimental questions. In addition to the 150 scored questions, PSI administers a small number of unscored “experimental” questions it is evaluating for future exams — the outline for this exam specifies 5; the bulletin notes 5 to 10 may appear across its programs. They are indistinguishable from scored questions and do not affect your result. There is no way to game them; treat every question as scored.
Where the exam comes from. PSI’s bulletin states that the producer and adjuster licensing exams are based on the latest version of the Kaplan study guides, which the OID sells directly. That is worth knowing for what it is: the exam’s source material is a published manual, and the outline above is its table of contents in question counts.
4. The passing standard, explained
You pass with 70% correct on the scored questions.
Oklahoma keeps this simple where many states do not. There is no scaled-score conversion to interpret: PSI’s bulletin states the standard directly — “You must get 70% correct to pass.” Your percentage on the 150 scored questions is your result, and the 5 experimental questions cannot help or hurt it.
- You know your result before you stand up. Your score is displayed on screen at the end of the examination, and a score report is emailed to you.
- Failing comes with a map. If you do not pass, the emailed score report includes a diagnostic report indicating your strengths and weaknesses by examination type — the honest starting point for a retake plan, and the reason a retake should never repeat the same preparation unchanged.
- Scores are confidential and move fast. PSI electronically notifies the OID of results within 48 hours of a passing exam, and reveals scores only to you and the Department. You can request a duplicate score report from PSI if the email goes missing.
Neither PSI nor the OID publishes a pass rate for this exam. Be skeptical of any website that quotes you one with decimal-point precision: no official Oklahoma figure exists to quote, and the number that matters — 70% of the scored questions — is entirely within your control.
5. Fees and registration, step by step
Keep the two payments separate in your mind — they go to two different places at two different times, and Oklahoma has no third payment of the kind many states add.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee | $38 | PSI | When you schedule your appointment |
| License application fee | $60 (resident producer, general lines of authority) | The State of Oklahoma, through the online application | After you pass |
There is no fingerprint fee, because Oklahoma does not fingerprint producer applicants, and no required course fee, because Oklahoma requires no course. NIPR transaction fees, where they apply, are separate from the $60 state fee — NIPR’s own Oklahoma page is explicit that the fees it lists are state fees only.
The sequence, in order:
- Create your PSI account and schedule. Go to PSI’s Oklahoma insurance page (test-takers.psiexams.com/okins), select the Property & Casualty examination, and create an account. Your first and last name must match your current, valid, government-issued ID exactly — the OID warns that mismatched name, date of birth, or Social Security number data “WILL prevent you from applying for licensure” and can take weeks to correct, so have your ID in hand when you register. You can also schedule by phone at (833) 333-4754 (Monday–Friday 4:30 a.m.–9:00 p.m., Saturday–Sunday 7:00 a.m.–7:00 p.m., Central).
- Choose your format. At scheduling you select test center or remote proctored. PSI runs Oklahoma centers in Oklahoma City (three), Tulsa (three), Norman, Enid, Lawton, McAlester, Ponca City, Weatherford, Ardmore, Woodward, and Durant — and you may test at PSI centers elsewhere in the United States. If you need a specific date, register early: the OID advises allowing a three-week window to find a seat.
- Pay the $38 exam fee (VISA, MasterCard, American Express, or Discover by phone; fees and test eligibilities are non-refundable). If plans change, you may cancel and reschedule without forfeiting the fee if PSI receives your notice two days before the scheduled date — by website or by speaking to a representative; voicemail and email do not count as cancellation.
- Take the exam. Arrive 15 minutes early with your identification (§8). You receive your score on screen at the end.
- Wait three business days. Do not apply the day you pass. The bulletin and the OID both direct you to wait three business days for your result to be transmitted to NIPR, the State Based Systems database, and the state — applying earlier starts a process your passing record has not yet reached.
- Apply online. From the OID licensing portal you are transferred into the NIPR application system (NIPR assistance: (816) 783-8500). Pay the $60 state fee, answer the background questions, and — first-time resident applicants — upload the color copy of your Oklahoma driver’s license or ID to the NIPR Warehouse. NIPR holds the application for seven days to give you time to get that document in; a withdrawn application is not refunded, and an incomplete application can be rejected by the OID without a refund, so read every instruction on the application page.
- Wait for the OID’s review. The bulletin puts producer/adjuster application processing at 5–7 business days. Submitting an application does not mean a license was approved: the OID notifies you at the email address on your application when it is approved or if it needs more information, and you can check status and print your license through the OID’s online tools. The Department does not mail you a paper license.
6. After you pass
Passing the exam earns you the right to apply — nothing more. The OID’s rule is stated without softness on its exam page: you may not work in the industry until you have passed the required exam, submitted the online application, and the license has been issued.
- The deadline is generous but real. Oklahoma exam results are valid for two years from the date you took the exam (NIPR’s Oklahoma business rules state it directly). Complete the application inside that window; after it, the passing result no longer supports an application and the exam must be retaken.
- The 1033 check comes first if it applies. If you have a felony involving dishonesty or breach of trust, the OID requires the 1033 Waiver to be granted before the license application can continue (§2).
- Appointment follows licensure. A license gives you the authority; an appointment by an insurance company is what lets you sell that company’s products. The insurer files the appointment, and the 15-day appointment timing rules in the Licensing section of the outline are the exam’s version of the same machinery you will now work under.
- Then the license has to be maintained. Oklahoma producer licenses renew biennially, and renewal requires continuing education — 24 hours per cycle for producers, including 3 hours of ethics and 2 hours of legislative update, completed before you renew, under the maintenance rules the outline’s Licensing section cites (36 O.S. § 1435.29). CE is a renewal obligation, not an entry requirement — but it starts mattering the day your first renewal approaches.
7. Retakes and score validity
- Unlimited attempts. Oklahoma insurance exams are open eligibility: the bulletin says plainly, “You may test unlimited until you pass.” There is no annual cap and no escalating waiting period for producers.
- But not the same day. It is not possible to make a new appointment on the same day you took an examination, because results must be processed and reported. The bulletin’s own example: a candidate who tests unsuccessfully on a Wednesday can call the next day, Thursday, and retest as soon as Friday, depending on space.
- The $38 fee applies to each attempt. A failed exam does not waive the next fee, and a missed appointment or late cancellation forfeits the fee entirely — as does arriving late or without proper identification.
- Score validity is two years, as covered in §6. Note the asymmetry: a failed attempt costs you a day and a fee; a passed exam you sit on costs you the exam itself once two years run out.
- The bail bondsman rule is not yours. The 31-day retake wait in the bulletin applies only to the bail bond exam. Producer retakes follow the next-day rule above — a detail worth knowing, because summaries of Oklahoma testing frequently paste the bail bond rule onto every license.
8. Test day
- Arrive 15 minutes early. The bulletin asks for 15 minutes before your appointment for sign-in and identification. Arrive late — or fail to be checked in by your start time — and you are treated as a missed appointment: no exam, no refund.
- Bring one form of identification. It must be government-issued, current, and carry your name, signature, and photograph — a driver’s license, passport or passport card, state or national ID card, military ID, or alien registration card all qualify; temporary identification is not accepted. Your registration name must match it exactly.
- The tutorial is free time. Before the exam, an on-screen tutorial (up to 15 minutes) and sample questions let you learn the interface. That time does not count against your 150 minutes.
- One question at a time, with a clock. Questions appear one per screen, with minutes remaining displayed at the top. You may return to any question and change your answer while time remains — build a flag-and-return habit in practice and it will be there when you need it.
- At a test center, you are given a piece of scratch paper and a pencil, both returned at checkout. Personal items — phones, watches, calculators, hats, bulky outerwear, bags, food, wallets — are prohibited in the testing room and go into secure storage or back to your vehicle; proctors may ask you to empty and turn out your pockets and inspect eyeglass frames and similar items. Companions may not wait inside the center.
- Remote proctoring is stricter, not looser. Your booking appears in your PSI account and you may launch within 30 minutes of the booked time — but if you have not started within 15 minutes of it, you forfeit the fee. Run PSI’s compatibility checks (audio/video, webcam, system) before test day. During a remote exam: no scratch paper, no breaks — if you cannot complete the exam without a break, the bulletin tells you not to register for remote testing — plus adequate lighting, a camera positioned for the proctor, eyes on screen, hands visible, and no talking or mouthing questions.
- Results are immediate. Your score displays on screen when you finish; the score report follows by email. Then the §5 clock starts: three business days, then apply.
9. How to study for this exam
The outline is the syllabus — PSI publishes exactly what the exam covers, section by section, and the counts in §3 are question counts, not suggestions. A plan built on that structure:
- Start with the Oklahoma sections. Thirty-eight questions — a quarter of the exam — come from four sections of Oklahoma law, and they reward direct study of concrete material: the Guaranty Association’s purpose, the Unfair Claims Settlement Practices Act and the Unfair Practices and Frauds article (rebating, twisting, defamation), binders and surplus lines, auto cancellation and nonrenewal rules, the state auto plan and UM/UIM, minimum liability limits, and workers’ compensation under Title 85A. This is the highest-yield block on the exam and the one national materials underweight.
- Give the terms sections their combined weight. Property terms (20) and casualty terms (15) are 35 questions of vocabulary-in-scenarios: negligence, occurrence versus accident, indemnity, coinsurance, proximate cause. Learn each term inside questions, where the exam will present it — not off a glossary list.
- Do not skip commercial lines. Thirty-five general questions sit in the two commercial sections — commercial property forms, business income, the CPP and BOP on one side; CGL forms, business auto, garage, bonds, and professional liability on the other. Candidates from personal-lines backgrounds routinely under-study the exam’s largest general block.
- Use the 70% standard honestly. Because Oklahoma scores a straight percentage, your practice percentage on full, outline-weighted simulations is a meaningful gauge in a way it is not on scaled-score exams — but only on simulations you have not seen before, taken whole. A 78% average on fresh full exams is a readiness signal; a 78% average on re-taken quizzes is a memory test.
- Practice at full length, against the real clock. 155 questions in 150 minutes is under a minute per question. Pacing is a skill separate from knowledge, and 150-minute simulations are where it is built.
- Read every explanation, especially for questions you got right. A right answer reached by a wrong reason is a wrong answer waiting for a differently-worded question.
- Schedule when your simulations say so — consistently comfortable scores on fresh full exams, with the Oklahoma sections no longer your weakest block — and register early enough to keep your choice of date.
This program’s Oklahoma practice bank (9,992 questions, including 2,498 on Oklahoma statutes, licensing, auto law, and workers’ compensation) is built on this same outline. The Oklahoma Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
10. Frequently asked questions
How many questions are on the Oklahoma P&C exam?
155 questions appear on screen in 150 minutes. 150 are scored, and 5 are unscored experimental questions mixed in so candidates cannot tell them apart.
What is the passing score for the Oklahoma insurance exam?
70% correct on the scored questions. Oklahoma uses a straight percentage, not a scaled score: PSI’s bulletin states, “You must get 70% correct to pass.”
Does Oklahoma require pre-licensing education for a P&C license?
No. Oklahoma requires no pre-licensing education for producers or adjusters, and the OID does not regulate prep providers. The only Oklahoma line with a pre-licensing education mandate is bail bondsman, at 16 hours — a separate license.
How much does the Oklahoma P&C exam cost?
The exam fee is $38, paid to PSI when you schedule, and it applies per attempt. The license application after you pass is $60, paid to the state through the online application. There is no fingerprint fee; Oklahoma does not fingerprint producer applicants.
How do I register for the Oklahoma insurance exam?
Create an account on PSI’s Oklahoma insurance page (test-takers.psiexams.com/okins) and schedule online, or call PSI at (833) 333-4754. You choose a test center or remote proctoring when you book, and your account name must match your government-issued ID exactly.
Can I take the Oklahoma insurance exam online?
Yes. PSI offers this exam at test centers and by remote online proctoring. Remote candidates must pass PSI’s system compatibility checks, launch within 30 minutes of the booked time and start within 15 minutes of it, and test without breaks or scratch paper.
Does Oklahoma require fingerprinting for an insurance license?
No. Producer applicants are screened through the background questions on the license application; supporting documents for “yes” answers go through NIPR’s Attachments Warehouse. Fingerprint/background processing handled by the OID appears in the official materials only for bail bondsman candidates.
What happens after I pass the Oklahoma P&C exam?
Wait three business days for your result to reach the OID and the national database, then apply online through the OID portal (which routes you to NIPR) with the $60 fee and — for first-time residents — a color copy of your Oklahoma driver’s license or ID uploaded to the NIPR Warehouse. The OID reviews applications in about 5–7 business days. You may not sell, solicit, or negotiate insurance until the license is issued and an insurer appoints you.
How long is my Oklahoma exam score valid?
Two years from the date you took the exam. Complete your license application inside that window, or the exam must be retaken.
If I fail, how soon can I retake the Oklahoma exam?
Not the same day — results must process first. You may call the next day and retest as soon as the following day, space permitting, and Oklahoma places no limit on the number of attempts. The $38 fee applies each time. Your emailed score report’s diagnostic section shows where the attempt was lost.
What Oklahoma-specific topics does the exam cover?
Thirty-eight scored questions: Licensing (7), State Insurance Statutes, Rules, and Regulations (16) — including the Commissioner, the Guaranty Association, unfair claims and unfair trade practices, surplus lines — State Automobile Insurance Laws (10), and State Workers’ Compensation (5).
Is there a combined Oklahoma P&C exam, or do I take property and casualty separately?
Both routes exist. The combined Property & Casualty Producer exam (150 scored questions, 150 minutes) is the standard path to the full license. PSI also offers separate Property and Casualty producer exams (75 scored questions each, 120 minutes, $38 each) for candidates who want a single line.
Does Oklahoma publish a pass rate for this exam?
No. Neither PSI nor the OID publishes a pass rate for the Oklahoma Property & Casualty Producer exam. Figures quoted on third-party sites are not official Oklahoma numbers.
What do I need to bring on exam day?
One current, government-issued ID bearing your name, signature, and photograph, with your name matching your PSI registration exactly. Temporary ID is not accepted. Arrive 15 minutes early. At a test center, scratch paper and a pencil are provided; on a remote exam, neither is permitted.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Oklahoma Insurance Department, PSI, or any state agency or exam vendor. This guide is general information about the Oklahoma licensing exam, current as of October 2026; Oklahoma Insurance Department and PSI publications govern if anything here differs from them.