- The OK-PC exam is 150 scored questions plus 5 unscored, 150 minutes, 70% to pass.
- The exam fee is $38, administered by PSI Services LLC for the Oklahoma Insurance Department.
- Oklahoma has open eligibility - no prelicensing education is required before testing.
- Attempts are unlimited, but you must wait three business days after passing before applying.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single policy term, lock in the mechanics of the exam itself. The Oklahoma Property & Casualty Insurance Producer Exam (OK-PC) is built and delivered by PSI Services LLC on behalf of the Oklahoma Insurance Department. The current outline, effective August 1, 2026, structures the test as 150 scored multiple-choice questions plus 5 unscored (pretest) questions, all within a 150-minute window. You need a raw score of 70% to pass.
That's the entire numeric skeleton of the exam. Everything else - how you study, which domains deserve more time, how you pace yourself - hangs off these four numbers: 150 questions, 150 minutes, 70% passing, $38 fee. If you want a deeper breakdown of how that passing threshold is calculated and what it means in practice, see the OK-PC Passing Score 2026 guide.
Registration and Fee Mechanics
Oklahoma runs an open eligibility system for producer exams. That means there's no prelicensing education requirement and no sponsor sign-off needed just to sit for the OK-PC - you can register and test whenever you're ready. This is a meaningful structural difference from states that mandate hours of coursework before you can even schedule.
Key logistics to bookmark:
- Exam fee: $38 per attempt, paid directly through PSI.
- Testing format: available at PSI test centers or via live remote proctoring from home or office.
- Retakes: attempts are unlimited - if you don't pass, you can reschedule and try again.
- Post-pass waiting period: after you pass, you must wait three business days before applying for your license.
For a full cost breakdown including how the $38 fee compares to other licensing expenses you might encounter, check the OK-PC Certification Cost 2026 breakdown. And if you're still confirming you meet the baseline requirements to sit for the test, the OK-PC Requirements 2026 guide walks through eligibility in detail.
Key Takeaway
Because eligibility is open and retakes are unlimited, the real bottleneck isn't paperwork - it's whether you actually know the 12 domains cold. Spend your prep time on content, not logistics.
The 12 Domains at a Glance
The OK-PC outline organizes content into 12 domains. Knowing the names and general scope of each one lets you triage your review time instead of re-reading everything with equal intensity. For the full explanation of each domain with subtopics, see the OK-PC Exam Domains 2026 complete guide.
| Domain | Core Focus |
|---|---|
| 1. Licensing | Who needs a license, license types, renewal basics |
| 2. State Insurance Statutes, Rules, and Regulations | Oklahoma Insurance Department authority, producer conduct rules |
| 3. State Automobile Insurance Laws | Financial responsibility, mandatory coverage requirements |
| 4. State Workers' Compensation | Coverage requirements, employer obligations in Oklahoma |
| 5. Personal Policies | Homeowners, dwelling, personal auto structures |
| 6. Commercial Property Policies | Building and business personal property forms |
| 7. Property Insurance Terms and Related Concepts | Core vocabulary underlying all property lines |
| 8. Property Policy Provisions and Contract Law | Conditions, exclusions, contract principles for property |
| 9. Personal Casualty Policies and Related Terms | Personal liability exposures and terminology |
| 10. Commercial Casualty Policies, Bonds, and Related Terms | General liability, bonds, commercial casualty vocabulary |
| 11. Casualty Insurance Terms and Related Concepts | Foundational casualty definitions across lines |
| 12. Casualty Policy Provisions and Contract Law | Conditions, exclusions, and contract law for casualty |
Domains 1-4: The State-Specific Foundation
These four domains are unique to Oklahoma and won't be covered in generic national P&C study material. Candidates must understand licensing rules, the statutes governing producer conduct, Oklahoma's automobile financial responsibility law, and workers' compensation obligations specific to this state.
- Memorize what triggers a license requirement versus an exemption
- Know the Oklahoma Insurance Department's enforcement authority
- Understand mandatory auto coverage minimums under state law
Domains 5-8: Property Line Content
Roughly a third of the outline sits inside property insurance - personal policies, commercial property forms, core terminology, and the contract law that governs how property policies actually respond to claims.
- Distinguish personal (Domain 5) from commercial (Domain 6) property structures
- Build a working vocabulary from Domain 7 before tackling Domain 8's contract provisions
Domains 9-12: Casualty Line Content
The casualty side mirrors the property side in structure - personal casualty policies, commercial casualty policies and bonds, terminology, then contract law and provisions.
- Pay attention to how bonds are treated separately from liability policies in Domain 10
- Contract law concepts in Domain 12 often overlap conceptually with Domain 8 - study them together
State-Specific Domains That Trip People Up
Because Oklahoma doesn't require prelicensing coursework, some candidates arrive at test day having studied only general national P&C content and skipped the state-specific layer entirely. That's a mistake: Domains 1 through 4 - Licensing, State Insurance Statutes/Rules/Regulations, State Automobile Insurance Laws, and State Workers' Compensation - are entirely about Oklahoma's own regulatory framework, not generic industry knowledge.
If you're unsure how much weight these state-specific domains carry relative to the property and casualty content domains, the OK-PC Exam Domains 2026 guide breaks down each domain's scope in more depth. And if you're still deciding how much overall effort this exam demands compared to what you expected, How Hard Is the OK-PC Exam? Complete Difficulty Guide 2026 covers that question directly.
Property and Casualty Terms Cheat List
Domains 7 and 11 exist specifically because the exam expects fluency in insurance vocabulary independent of any single policy form. Use this as a rapid self-check - if any of these categories feel shaky, that's where your remaining study hours should go.
- Property terms (Domain 7): named-peril vs. open-peril structures, actual cash value vs. replacement cost, coinsurance mechanics, insurable interest as applied to property.
- Property contract provisions (Domain 8): conditions, exclusions, endorsements, and how basic contract law principles (offer, acceptance, consideration) apply to property policies.
- Casualty terms (Domain 11): liability vs. legal liability, occurrence vs. claims-made triggers, limits and deductibles as applied to casualty exposures.
- Casualty contract provisions (Domain 12): conditions and exclusions specific to liability forms, and how bonds (Domain 10) differ contractually from insurance policies.
Because questions are multiple-choice and scenario-driven, expect the exam to describe a situation and ask which term or provision applies - not simply ask you to define a word in isolation. Practicing with realistic question formats matters more than flashcard memorization alone; you can build that scenario-reading skill using timed practice sets on the main practice test platform.
Final-Week Review Plan
With 12 domains and a 150-minute exam, the final stretch of prep should be about triage, not fresh learning. Here's a compressed sequencing approach built around the OK-PC's actual domain structure rather than a generic study calendar.
State-Specific Core (Domains 1-4)
- Review licensing rules and exemptions
- Drill Oklahoma statute and regulation specifics
- Confirm auto financial responsibility minimums and workers' comp obligations
Property Cluster (Domains 5-8)
- Compare personal vs. commercial property forms side by side
- Rebuild property vocabulary from Domain 7 before hitting Domain 8 contract law
Casualty Cluster (Domains 9-12)
- Contrast personal and commercial casualty policies
- Isolate bond-specific rules within Domain 10
- Pair Domain 11 terms with Domain 12 provisions
Mixed Review and Timing
- Run a full-length timed practice set to rehearse the 150-question/150-minute pace
- Re-check any domain where you're still guessing rather than recalling
This sequencing intentionally front-loads the state-specific domains because they're the content most likely to be skipped if you're relying on general P&C study habits. For a more complete week-by-week strategy including how to balance work and study time, see the OK-PC Study Guide 2026.
Test-Day Logistics Cheat Sheet
A few operational details are worth confirming before exam day so nothing surprises you:
- Where you can test: a PSI test center, or from your own location via live remote proctoring.
- What to bring: valid identification matching your registration, per PSI's standard check-in process.
- Time budget: 150 minutes for 155 total questions (150 scored + 5 unscored) - roughly under a minute per question, so don't get stuck on any single item.
- After passing: wait three business days before submitting your license application to the Oklahoma Insurance Department.
- If you don't pass: attempts are unlimited - reschedule with PSI and pay the $38 fee again.
If your test date is still up in the air, review scheduling windows and deadlines in the OK-PC Exam Dates 2026 guide. And if you're weighing whether the licensing path is worth pursuing at all given the effort involved, Is the OK-PC Certification Worth It? Complete ROI Analysis 2026 lays out the considerations, while the OK-PC Salary Guide 2026 covers what a producer license can lead to career-wise.
Key Takeaway
Print or save this page as your literal one-pager: 150 scored + 5 unscored questions, 150 minutes, 70% to pass, $38 fee, 12 domains, unlimited retakes, three-business-day wait after passing.
Once the license is active, many candidates start exploring where a P&C producer license actually gets used day to day - agencies, brokerages, and carrier-affiliated roles all recruit licensed producers. If you're curious what that looks like, the OK-PC Jobs overview and the broader OK-PC Pass Rate 2026 data page are useful next reads once you've got this cheat sheet memorized. For structured practice before you commit to a test date, run a few timed practice sessions to see where your recall gaps actually are.
FAQ
The exam includes 150 scored multiple-choice questions plus 5 unscored questions, for a total of 155 items, within a 150-minute time limit.
You need to score 70% or higher on the 150 scored questions to pass. The 5 unscored questions do not count toward this score.
No. Oklahoma uses open eligibility for producer examinations, which means there is no prelicensing education requirement before you can register and sit for the exam.
The exam fee is $38 per attempt, payable to PSI Services LLC, the administrator working on behalf of the Oklahoma Insurance Department.
After passing, you must wait three business days before applying for your producer license with the Oklahoma Insurance Department. If you don't pass, you can retake the exam, as attempts are unlimited.