OK-PC Passing Score 2026: Exactly What You Need to Pass

The Exact Passing Score You Need

The passing score for the Oklahoma Property and Casualty Insurance Producer Exam (OK-PC) is 70%. That figure applies to the 150 scored multiple-choice questions on the current outline, which took effect August 1, 2026. To pass, you need to answer roughly 105 of those 150 scored questions correctly. This number comes directly from the Oklahoma Insurance Department's exam content outline, administered through the state's testing vendor, PSI Services LLC.

There is no sliding scale, no curve, and no bonus credit for difficulty. It is a fixed criterion-referenced cutoff: hit 70% of the scored items and you pass; fall short and you don't. If you want a deeper breakdown of how difficult that bar actually is to clear, see How Hard Is the OK-PC Exam? Complete Difficulty Guide 2026.

How PSI Scores the OK-PC Exam

PSI Services LLC administers the OK-PC exam both at physical test centers and via live remote proctoring, and the scoring mechanism is identical regardless of testing method. Your score is calculated purely from the 150 scored questions - the 5 unscored questions mentioned below never factor into your result. There's no partial credit, no weighting by domain difficulty, and no penalty for guessing beyond simply not getting credit for a wrong answer.

Because Oklahoma uses open eligibility for producer examinations - meaning there's no state-mandated prelicensing education requirement before you sit for the test - the passing score is the primary gatekeeper standing between you and licensure. If you want the full picture of what eligibility actually involves before you register, check OK-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.

Question Format and the 5 Unscored Items

The current outline structures the exam as 150 scored multiple-choice questions plus 5 unscored questions, for a total of 155 questions delivered in 150 minutes. The unscored questions are mixed in with the scored ones - you won't know which is which while testing, so treat every question as if it counts.

This blended format matters for two reasons:

• Time management: With 155 items and 150 minutes, you have under one minute per question on average, so pacing across all 12 domains needs to be automatic, not something you calculate mid-test.
• Psychological steadiness: Since you can't identify the 5 unscored questions, an unusually strange or oddly worded item shouldn't rattle your confidence - it might simply be a pretest item that won't affect your score at all.

For a walkthrough of exactly how the multiple-choice items are typically structured and what tricks show up across state statute and policy-based questions, see OK-PC Study Guide 2026: How to Pass on Your First Attempt.

Passing Score vs. Domain Weighting

A single passing score of 70% covers all twelve content domains together - there is no separate minimum threshold you must clear domain by domain. That said, understanding how the content spreads across domains still matters, because some domains carry more of the 150 scored questions than others, and missing a heavily weighted domain wholesale is riskier than missing a lightly weighted one.

The twelve domains on the outline are:

For anchor-point definitions and how these twelve areas interrelate, walk through OK-PC Exam Domains 2026: Complete Guide to All 12 Content Areas before you start building a study calendar.

What 70% Actually Means in Practice

Because the passing threshold applies to the whole exam rather than each domain individually, you have some flexibility in how you distribute your strengths and weaknesses. A candidate who is rock-solid on Domains 1 through 4 (licensing and Oklahoma-specific statutes) but shakier on the property and casualty terminology domains can still pass, provided the overall correct count reaches 105 out of 150.

That flexibility is not permission to skip any domain entirely. With twelve domains sharing 150 scored questions, no single domain is small enough to ignore without risking your overall percentage. Treat 70% as a floor you build toward across every domain, not a target you can reach by mastering only a handful of them.

After You Pass: The Three-Day Rule

Passing is only half the administrative picture. Once you clear the 70% threshold, Oklahoma requires a mandatory waiting period of three business days before you can formally apply for your producer license. This isn't a scoring quirk - it's a licensing-process step that comes right after your test result, so plan your application timeline accordingly rather than assuming you can apply the same day you pass.

If you're mapping out the full cost of getting licensed - the $38 exam fee plus any application costs that follow - review OK-PC Certification Cost 2026: Complete Pricing Breakdown for a complete breakdown.

If You Don't Pass: Retake Rules

Oklahoma places no cap on the number of attempts you can make at the OK-PC exam. If you score below 70%, you can register again and retake it - there's no mandatory waiting period before rescheduling, unlike some other state exams. Each attempt requires paying the $38 exam fee again, so a missed pass isn't just a scheduling setback, it's a repeated cost.

Because retakes cost money and time, it's worth understanding your odds going in. See OK-PC Pass Rate 2026: What the Data Shows for context on how candidates generally perform against this 70% bar.

Mapping Study Time to the Score You Need

Since the passing score applies across all twelve domains combined, the most efficient way to reach 105+ correct answers is to sequence your review so heavier, denser domains get more calendar time early, while narrower domains get focused review closer to test day. A simple week-based structure - reviewing statute-heavy domains first while your memory for exact numeric thresholds and legal definitions is freshest, then moving into policy and terminology domains - tends to work better than jumping randomly between topics.

Running full-length, timed practice exams that mirror the 150-question, 150-minute format on our OK-PC practice test platform is the most direct way to see whether you're consistently clearing 70% before you spend $38 on the real thing. Repeated practice-test scores in the mid-70s or higher give you a real cushion against test-day nerves and unfamiliar phrasing.

For candidates who want a compressed, high-density review right before exam day, OK-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the highest-yield facts across all twelve domains into one reference. And if you're still weighing whether the licensing path and the exam investment make sense for your career goals, Is the OK-PC Certification Worth It? Complete ROI Analysis 2026 and OK-PC Salary Guide 2026: Complete Earnings Analysis lay out the bigger picture beyond just the passing score.

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