- OK-PC is the Oklahoma Property and Casualty Insurance Producer Exam, administered through PSI Services LLC.
- The current outline (effective August 1, 2026) covers 150 scored questions plus 5 unscored items in 150 minutes.
- Passing requires a 70% score, and the exam fee is $38.
- Oklahoma has open eligibility - no prelicensing education is mandated before sitting for OK-PC.
What Is OK-PC?
OK-PC stands for the Oklahoma Property and Casualty Insurance Producer Exam, the state licensing test that authorizes an individual to sell, solicit, or negotiate property and casualty insurance products in Oklahoma. This is not a designation you add after your name for prestige - it's a regulatory gateway. Without passing OK-PC, you cannot legally act as a licensed property and casualty producer in the state, regardless of how much industry experience you have.
It's worth pausing on the acronym itself because "OK-PC" is used loosely online for several unrelated things. On this site, and in this article specifically, OK-PC refers only to the Oklahoma producer licensing exam covering property and casualty lines. Every fact below is specific to that exam.
If you're just starting your research, our companion piece on what OK-PC stands for breaks down the terminology further, and the OK-PC meaning guide is a good quick-reference if you found this page through a search for the acronym alone.
Who Administers the OK-PC Exam
The Oklahoma Insurance Department sets the licensing requirements and content outline for the exam, while PSI Services LLC handles the actual test delivery - scheduling, proctoring, and scoring. This two-party structure is standard for state insurance licensing: the regulator defines what must be tested, and the testing vendor runs the logistics.
Because PSI is the delivery vendor, candidates register and schedule directly through PSI's system rather than through the Oklahoma Insurance Department's website. Testing is available two ways:
- In person at a PSI-affiliated test center
- Live remote proctoring, for candidates who prefer to test from a private location under webcam supervision
Both delivery methods use the same content outline and time limit, so the choice comes down to personal preference and logistics rather than difficulty.
Exam Format, Scoring, and Registration
The current OK-PC outline takes effect August 1, 2026, and it's important to study from a version of prep material that matches this outline rather than an older one. Under this outline, the exam consists of:
- 150 scored multiple-choice questions
- 5 additional unscored (pretest) questions, mixed in without being identified, used to evaluate future exam items
- 150 minutes total testing time
- A required 70% passing score on the scored portion
Because the unscored questions aren't flagged, candidates should treat every question on screen as if it counts. There's no way to identify and skip the pretest items, so pacing should assume all 155 questions matter.
The exam fee is $38 per attempt, paid at registration through PSI. A helpful detail for anyone budgeting their licensing path: Oklahoma places no cap on attempts. If you don't pass on your first try, you can register again and pay the fee again - there's no mandatory waiting period between failed attempts imposed by the exam itself. For a full breakdown of what licensing actually costs from registration through application, see our OK-PC Certification Cost breakdown.
Key Takeaway
Once you pass, you are not immediately eligible to apply for your license - Oklahoma requires a mandatory three business day wait after a passing result before you can submit your producer license application. Plan your onboarding timeline around this delay if an employer is waiting on your license.
Open Eligibility: No Prelicensing Education Required
One of the most distinctive things about Oklahoma's producer licensing path is that it uses open eligibility. Unlike many states that mandate a set number of prelicensing education hours before you can even schedule the exam, Oklahoma does not require any prelicensing coursework for OK-PC. Anyone who meets the state's basic eligibility criteria can register and sit for the exam directly.
This lowers the barrier to entry but also raises the stakes on self-directed preparation, since there's no built-in classroom curriculum forcing you through the material. For a full look at exactly who qualifies and what's needed beyond the exam itself, read our OK-PC Requirements guide.
The 12 OK-PC Exam Domains
The OK-PC content outline is organized into twelve domains spanning general licensing law and the technical substance of property and casualty coverage. Understanding what each domain actually tests - not just its title - is the difference between generic "insurance trivia" studying and targeted exam prep.
Domain 1: Licensing
Covers the rules governing who can hold a producer license, license types, renewals, and administrative actions like suspension or revocation.
- Requirements for maintaining active licensure
Domain 2: State Insurance Statutes, Rules, and Regulations
Oklahoma-specific statutory framework governing insurance transactions, producer conduct, and the Insurance Department's regulatory authority.
- Unfair trade practices and penalties
Domain 3: State Automobile Insurance Laws
Oklahoma's specific auto insurance requirements, financial responsibility laws, and mandatory coverage minimums.
- Uninsured/underinsured motorist rules unique to Oklahoma
Domain 4: State Workers' Compensation
Oklahoma's workers' compensation system structure, employer obligations, and how coverage interacts with other casualty lines.
- Coverage triggers and employer responsibilities
Domain 5: Personal Policies
Homeowners, dwelling, and other personal lines property products - what they cover and how they're structured.
- Policy forms and endorsement basics
Domain 6: Commercial Property Policies
Business property coverage forms, including how commercial exposures differ from personal lines exposures.
- Building and business personal property coverage
Domain 7: Property Insurance Terms and Related Concepts
Foundational vocabulary and concepts that cut across both personal and commercial property products.
- Perils, causes of loss, and valuation methods
Domain 8: Property Policy Provisions and Contract Law
The legal mechanics of a property insurance contract - conditions, exclusions, and how contract law principles apply.
- Standard policy conditions and cancellation rules
Domain 9: Personal Casualty Policies and Related Terms
Personal liability exposures, including auto and personal umbrella-type coverage concepts and terminology.
- Liability limits and exclusions
Domain 10: Commercial Casualty Policies, Bonds, and Related Terms
Commercial general liability, bonds, and related casualty products used by businesses.
- Bond types and CGL structure
Domain 11: Casualty Insurance Terms and Related Concepts
Shared casualty vocabulary and concepts that apply across both personal and commercial casualty products.
- Negligence, liability, and damages terminology
Domain 12: Casualty Policy Provisions and Contract Law
Contractual provisions specific to casualty policies, mirroring the legal-focus of Domain 8 but applied to liability coverage.
- Conditions, exclusions, and endorsement effects
For a deeper walkthrough of each domain with sample question styles, see our complete OK-PC exam domains guide. If you want a fast, low-effort refresher closer to test day, the OK-PC cheat sheet condenses the highest-yield facts from all twelve domains onto a single page.
Who Takes the OK-PC Exam
OK-PC candidates generally fall into a few groups:
- New hires at insurance agencies - captive and independent agencies in Oklahoma often require a producer license as a condition of employment for sales roles.
- Career changers entering insurance sales from adjacent fields like banking, real estate, or customer service.
- Multi-state producers who already hold a license elsewhere and are adding Oklahoma as a resident or non-resident state.
- Agency owners and staff who need at least one licensed producer on record to legally transact business.
Because Oklahoma doesn't require prelicensing coursework, some candidates come in with employer-provided training, while others self-study entirely from scratch. Both paths are valid, but self-study candidates should budget more structured time against the twelve domains. If you're evaluating whether pursuing this license fits your career goals in the first place, our ROI analysis on the OK-PC certification and OK-PC salary guide are useful starting points, and OK-PC jobs outlines the kinds of roles that typically require this license.
How to Approach OK-PC Preparation
Because the outline spans twelve domains with very different content - from Oklahoma-specific statutes to universal property and casualty contract law - a scattershot review rarely works well. A more effective approach sequences study by domain difficulty and overlap.
State-Specific Foundations
- Domain 1 (Licensing) and Domain 2 (State Statutes, Rules, and Regulations) - these set the legal frame for everything else
- Domain 3 (State Automobile Insurance Laws) and Domain 4 (State Workers' Compensation), since both are Oklahoma-specific and heavily fact-based
Property Line Concepts
- Domain 5 (Personal Policies) and Domain 6 (Commercial Property Policies) together, since they share structure
- Domain 7 (Property Insurance Terms) as vocabulary reinforcement
- Domain 8 (Property Policy Provisions and Contract Law) to tie legal mechanics to the terms just learned
Casualty Line Concepts
- Domain 9 (Personal Casualty Policies) and Domain 10 (Commercial Casualty Policies, Bonds) as a matched pair
- Domain 11 (Casualty Insurance Terms) and Domain 12 (Casualty Policy Provisions and Contract Law) to close out the legal/vocabulary layer
Full-Length Practice and Review
- Timed practice sessions replicating the 150-minute, 155-question format
- Targeted review of missed questions, mapped back to specific domains
Spacing repeated review sessions across these weeks - rather than cramming all twelve domains in the final days - tends to help retention on the statute-heavy domains especially, since those rely on precise recall rather than conceptual reasoning. For a more detailed week-by-week plan with specific resource recommendations, see the OK-PC Study Guide. And if you're unsure how much total difficulty to expect given the 70% passing threshold, the OK-PC difficulty guide walks through what makes certain domains harder than others.
OK-PC at a Glance
| Attribute | Detail |
|---|---|
| Full Name | Oklahoma Property and Casualty Insurance Producer Exam |
| Regulator | Oklahoma Insurance Department |
| Testing Vendor | PSI Services LLC |
| Outline Effective Date | August 1, 2026 |
| Question Count | 150 scored + 5 unscored (155 total) |
| Time Limit | 150 minutes |
| Passing Score | 70% |
| Exam Fee | $38 |
| Prelicensing Education | Not required (open eligibility) |
| Test Delivery | PSI test center or live remote proctoring |
| Attempt Limit | Unlimited |
| Post-Pass Wait | 3 business days before license application |
For a plain-language breakdown of exactly what "70%" means in terms of raw questions you can miss, see OK-PC Passing Score: Exactly What You Need to Pass. And if you're trying to lock in a testing date around other commitments, check OK-PC Exam Dates 2026 for scheduling specifics through PSI.
Frequently Asked Questions
No. OK-PC is a state licensing exam specific to Oklahoma, required to legally sell property and casualty insurance in that state. It is not a voluntary professional certification or designation.
No. Oklahoma uses open eligibility for producer exams, meaning there is no mandatory prelicensing education requirement before you can register and sit for the exam.
The exam includes 150 scored multiple-choice questions plus 5 unscored questions, for 155 total, to be completed within 150 minutes.
There is no limit on attempts. You can register again through PSI and pay the $38 fee to retake the exam as many times as needed.
Not immediately. Oklahoma requires a three-business-day waiting period after a passing result before you can submit your producer license application.
Understanding exactly what OK-PC is - its administering bodies, its exact format, and its twelve domains - is the first real step toward passing it. From here, exploring the OK-PC Certification overview or heading straight into focused domain review on our practice test platform are natural next moves.