- OK-PC is the Oklahoma Property and Casualty Insurance Producer Exam, administered by PSI Services LLC.
- The test has 150 scored questions plus 5 unscored items, delivered in 150 minutes.
- Passing requires a 70% score across 12 distinct content domains.
- Oklahoma uses open eligibility - no prelicensing education is required before testing.
What OK-PC Actually Refers To
OK-PC stands for the Oklahoma Property and Casualty Insurance Producer Exam - the state licensing test that anyone who wants to sell, solicit, or negotiate property and casualty insurance in Oklahoma must pass. It is not a voluntary professional designation you add to a resume for prestige; it is a mandatory regulatory checkpoint. If you plan to work as an agent selling homeowners, auto, commercial property, or liability coverage in Oklahoma, this exam is the gate you have to walk through first.
Because several unrelated credentials in other industries also use the shorthand "OK-PC," it's worth being precise here: this article, and this entire site, is exclusively about the Oklahoma producer licensing exam. If you're researching what the letters mean in general, our companion pieces on What Is OK-PC? and OK-PC Meaning cover the terminology in more depth, while What Does OK-PC Stand For? breaks down the acronym itself.
Who Issues and Administers It
The Oklahoma Insurance Department sets the licensing requirements and owns the content outline for the exam, but the actual test delivery is handled by PSI Services LLC, a third-party testing vendor. PSI runs dedicated test centers around the state and also offers live remote proctoring, so candidates who don't live near a center can test from home under supervision.
This split of responsibilities matters for how you prepare and register. The Insurance Department defines what's tested - the domains, the passing standard, the outline effective dates - while PSI controls scheduling, seat availability, identification requirements, and the testing environment itself. When you're troubleshooting a scheduling issue or an ID problem, that's a PSI matter; when you're wondering why a particular topic is on the exam, that traces back to state statute.
Exam Format and Scoring
The OK-PC exam is a multiple-choice test with a specific, fixed structure:
- 150 scored questions that count toward your result
- 5 unscored (pretest) questions mixed in, used by the state to evaluate future exam content - you won't know which ones are unscored
- 150 minutes total testing time
- 70% required to pass
That works out to almost exactly one minute per question if you use the full time, but in practice most candidates move faster through the easier recall-based questions (definitions, licensing rules) and slow down on scenario-based items that require applying a policy provision to a specific situation. Because the unscored questions are indistinguishable from scored ones, there's no strategic value in trying to guess which items "don't count" - treat every question with equal seriousness.
For a full breakdown of exactly how the 70% threshold is calculated and what it means in terms of raw questions missed, see OK-PC Passing Score 2026: Exactly What You Need to Pass.
The 12 Content Domains
The exam outline organizes everything into twelve domains. Some are broad regulatory categories; others are dense with product-specific terminology. Here's what each one actually covers from a candidate's perspective.
Domain 1: Licensing
Covers the rules for obtaining, maintaining, and renewing a producer license in Oklahoma, including appointment requirements and continuing education obligations after licensure.
- Types of licenses and lines of authority
- Renewal cycles and reporting duties
Domain 2: State Insurance Statutes, Rules, and Regulations
Broad regulatory knowledge - unfair trade practices, penalties, the Insurance Commissioner's authority, and how complaints and disciplinary actions are handled.
- Prohibited practices (rebating, misrepresentation)
- Producer duties to policyholders
Domain 3: State Automobile Insurance Laws
Oklahoma-specific auto insurance requirements, including financial responsibility laws and minimum coverage mandates unique to the state.
- Required minimum liability limits
- Proof of insurance and uninsured motorist rules
Domain 4: State Workers' Compensation
How workers' compensation insurance functions in Oklahoma, including employer obligations and the relationship between the policy and state law.
- Coverage triggers and exclusions
- Employer responsibilities under state statute
The remaining eight domains shift from state-specific law into product knowledge - personal and commercial policies, contract provisions, and the vocabulary that ties it all together:
Domains 5-8: Property Side
Personal Policies, Commercial Property Policies, Property Insurance Terms and Related Concepts, and Property Policy Provisions and Contract Law together form the property half of the exam. Expect questions on HO forms, commercial property forms, coinsurance, valuation methods, and standard contract clauses like subrogation and pro rata liability.
- Named-peril vs. open-peril forms
- Coinsurance and replacement cost calculations
Domains 9-12: Casualty Side
Personal Casualty Policies and Related Terms, Commercial Casualty Policies, Bonds, and Related Terms, Casualty Insurance Terms and Related Concepts, and Casualty Policy Provisions and Contract Law cover liability exposures, CGL structure, bonds, and the legal doctrines behind casualty contracts.
- CGL coverage parts A, B, and C
- Negligence, indemnity, and legal liability concepts
Because the domains vary so much in density - some are a handful of statutes, others are entire product lines - treating them as equally sized study units is a common mistake. Our detailed walkthrough, OK-PC Exam Domains 2026: Complete Guide to All 12 Content Areas, maps out how much attention each one realistically deserves.
Key Takeaway
The four state-law domains (Licensing, Statutes/Rules, Auto Laws, Workers' Comp) test Oklahoma-specific rules you can't guess from general insurance knowledge - memorize these directly from the outline rather than relying on intuition.
Registration, Eligibility, and Fees
One of the more candidate-friendly aspects of OK-PC is Oklahoma's open eligibility policy: the state does not require producer prelicensing education before you sit for the exam. You can register and test without completing a mandated course, though that doesn't mean the exam is easy - it just means the state isn't gatekeeping who can attempt it.
Key logistics to know:
- Exam fee: $38 per attempt
- Testing locations: PSI test centers or live remote proctoring from an approved location
- Attempts: unlimited - you can retake as many times as needed
- Post-pass waiting period: three business days before you can apply for your license
That waiting period trips people up. Passing the exam doesn't mean you can submit a license application the same afternoon - build the three-business-day buffer into your timeline if you have a start date with an agency riding on it. For a complete cost picture, including what to budget beyond the exam fee itself, see OK-PC Certification Cost 2026: Complete Pricing Breakdown, and for a full rundown of who qualifies and how the open-eligibility rule works in practice, check OK-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
| Detail | Specification |
|---|---|
| Administering body | Oklahoma Insurance Department |
| Testing vendor | PSI Services LLC |
| Exam fee | $38 |
| Scored questions | 150 |
| Unscored questions | 5 |
| Time allotted | 150 minutes |
| Passing score | 70% |
| Prelicensing education | Not required (open eligibility) |
| Attempt limit | Unlimited |
| Post-pass wait time | 3 business days before applying |
For anyone tracking test windows and how far in advance you should book a seat, especially around the August 1, 2026 outline update, OK-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling lays out scheduling considerations in detail.
Who Actually Needs This Certification
OK-PC licensure is required for anyone acting as a producer for property and casualty lines in Oklahoma - this includes people going to work for independent agencies, captive carriers, brokerages, and MGAs that write homeowners, auto, commercial property, general liability, workers' comp, or bonds business. It's also common for career-changers entering insurance sales, for staff moving from a customer service role into a producer role, and for agents already licensed in another state who need an Oklahoma resident or non-resident line of authority.
Because passing doesn't automatically make you employable - carriers and agencies still want to see you appointed, trained on their specific products, and often mentored through your first sales cycle - it's worth understanding the exam's place in the bigger career picture. OK-PC Jobs looks at what roles typically require this license, and OK-PC Salary Guide 2026: Complete Earnings Analysis covers how compensation structures in producer roles typically work.
If you're still deciding whether pursuing this license is the right move for your career, Is the OK-PC Certification Worth It? Complete ROI Analysis 2026 weighs the time and cost investment against the career access it unlocks.
How to Prepare Without Wasting Time
Because Oklahoma doesn't mandate a prelicensing course, candidates end up with wildly different starting points - some come in with agency training already under their belt, others start from zero. A reasonable way to structure preparation is to front-load the four state-specific domains early, since that material (statutes, auto law, workers' comp rules) is unfamiliar to almost everyone regardless of background, then spend the back half of your prep cycle on the property and casualty product domains, where volume of terminology is the main challenge.
State Law Foundations
- Licensing rules and producer duties (Domain 1)
- Statutes, rules, and unfair trade practices (Domain 2)
Oklahoma-Specific Coverage Law
- Auto financial responsibility requirements (Domain 3)
- Workers' compensation coverage and employer duties (Domain 4)
Property Product Knowledge
- Personal and commercial property forms (Domains 5-6)
- Property terms, provisions, and contract law (Domains 7-8)
Casualty Product Knowledge and Review
- Personal and commercial casualty, bonds (Domains 9-10)
- Casualty terms and contract law, full practice exams (Domains 11-12)
Whatever pace you choose, timed practice under exam-like conditions matters more than passive reading, since 150 minutes for 155 questions leaves little room for hesitation on test day. A structured walkthrough of pacing, question types, and common wrong-answer traps is available in OK-PC Study Guide 2026: How to Pass on Your First Attempt, and you can run realistic timed sets on our practice test platform to see where your pacing actually breaks down.
If you want data on how candidates generally perform against the 70% threshold, OK-PC Pass Rate 2026: What the Data Shows examines available outcome information rather than relying on assumptions. And when you're in the final review stretch, a condensed reference like our OK-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts can help consolidate the state-specific numbers and definitions that are easy to mix up under time pressure.
After You Pass
Passing the exam is a checkpoint, not the finish line. Remember the three-business-day waiting period before you're eligible to submit your license application to the Oklahoma Insurance Department. Once licensed, you'll typically need a carrier or agency appointment before you can actually write business, and ongoing continuing education requirements kick in to maintain the license over time.
Because attempts are unlimited, there's no punitive retake fee structure beyond paying the $38 fee again if you don't clear 70% on a given sitting - which takes some pressure off a single test day, but also means there's no shortcut around genuinely knowing the material across all twelve domains. Running a few full-length timed sessions on our OK-PC practice tests before your scheduled date is the most direct way to confirm you're ready rather than guessing.
Frequently Asked Questions
It's a licensing exam. Passing it is a required step toward obtaining an Oklahoma property and casualty producer license, administered by the Oklahoma Insurance Department through PSI Services LLC.
No. Oklahoma uses open eligibility for producer exams, meaning there is no mandated prelicensing education requirement before you can register and sit for the test.
There are 150 scored questions plus 5 unscored questions, for a total of 155 questions, and you have 150 minutes to complete the exam.
You need to score 70% or higher on the scored portion of the exam to pass.
Yes. In addition to in-person testing at PSI test centers, Oklahoma allows candidates to test via live remote proctoring from an approved location.