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Oklahoma property and casualty practice exam

Free property and casualty practice for the Oklahoma producer exam: 367 general questions plus 14 Oklahoma state law questions, each with an explanation.

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Getting your Oklahoma property and casualty license

Oklahoma's property and casualty exams cost $38 each through PSI, and you can test as many times as you need. Continuing education includes 2 hours of legislative update.

Exam provider
PSI
Exam fee
$38 for property, casualty, combined property and casualty, or personal lines
Exam length
Property producer: 75 questions plus 5 unscored, 120 minutes. Casualty producer: 75 plus 5 unscored, 120 minutes. Combined property and casualty producer: 150 plus 5 unscored, 150 minutes.
Passing score
70 percent
Retakes
No limit. You cannot book a new exam on the same day you tested.
How to plan your retake
Retake rules by state
Continuing education
24 hours every 2 years: 3 hours of ethics, 2 hours of legislative update, and 19 general hours

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Oklahoma Insurance Department and your exam's candidate handbook before you register.

Sources

Oklahoma state law questions

Every Oklahoma question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Oklahoma insurance department and your exam's content outline.

Licensing and CE

4 questions

1. How many continuing education hours must an Oklahoma resident producer (other than a title producer) complete in each 24-month period?

  1. 12 hours
  2. 24 hours
  3. 20 hours
  4. 36 hours
Show answer
B. 24 hours
The OID requires 24 hours: 3 in ethics, 2 in legislative update, and 19 in producer general.
Source: OID, License CE Requirements

2. Of the 24 CE hours an Oklahoma resident producer must complete, how many must be in ethics?

  1. 1 hour
  2. 2 hours
  3. 6 hours
  4. 3 hours
Show answer
D. 3 hours
The 24 hours break down as 3 ethics, 2 legislative update, and 19 producer general.
Source: OID, License CE Requirements

3. If an Oklahoma producer completes more than the minimum CE in a 24-month period, how many excess credit hours carry forward to the next period?

  1. Up to 6 hours, counted as general hours
  2. None; excess hours are lost
  3. Up to 12 hours, counted as ethics hours
  4. All excess hours, without limit
Show answer
A. Up to 6 hours, counted as general hours
The OID states that six credit hours in excess of the 24-month minimum carry forward as general hours.
Source: OID, License CE Requirements

4. Under OAC 365:25-3-1, an extension of the CE compliance period granted to an Oklahoma producer may not exceed:

  1. 3 months
  2. 6 months
  3. 12 months
  4. 24 months
Show answer
C. 12 months
Rule 365:25-3-1(k) caps a CE extension at twelve months, and the request is due at least 30 days before the 24-month period ends.
Source: OAC 365:25-3-1 (Producer CE), OID Chapter 25 rule text

Auto Insurance

2 questions

1. What are Oklahoma's minimum auto liability limits?

  1. $15,000 per person / $30,000 per accident bodily injury and $10,000 property damage
  2. $30,000 per person / $60,000 per accident bodily injury and $25,000 property damage
  3. $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage
  4. $50,000 per person / $100,000 per accident bodily injury and $50,000 property damage
Show answer
C. $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage
Oklahoma requires 25/50/25 minimum liability coverage, which the OID notes may not cover the cost of a typical serious accident.
Source: OID, Auto Insurance: Common Myths

2. How does Oklahoma treat uninsured motorist (UM/UIM) coverage on a personal auto policy?

  1. Insurers must offer it, and the insured may decline only by signing a written rejection form
  2. It is mandatory and cannot be rejected
  3. It is optional and the insurer need not offer it unless asked
  4. It may be rejected orally with a note in the agent's file
Show answer
A. Insurers must offer it, and the insured may decline only by signing a written rejection form
Per the OID, UM/UIM is not mandatory but must be offered, and until a signed rejection is returned the insured is charged for the legal-minimum 25/50 limits.
Source: OID, Uninsured Motorist

Cancellation and Nonrenewal

3 questions

1. Unless a specific rule provides otherwise, OAC 365:15-1-14 requires an Oklahoma insurer to give at least how many days notice before cancelling a policy?

  1. 5 days
  2. 30 days
  3. 60 days
  4. 10 days
Show answer
D. 10 days
Rule 365:15-1-14(a) sets the general minimum at 10 days for cancellation and 20 days for nonrenewal; other provisions can set longer periods.
Source: OAC 365:15-1-14 (Notice of cancellation or non-renewal), OID Chapter 15 rule text

2. What is the general minimum notice an Oklahoma insurer must give a policyholder before a policy is nonrenewed, absent a more specific rule (OAC 365:15-1-14)?

  1. 10 days
  2. 20 days
  3. 45 days
  4. 90 days
Show answer
B. 20 days
The general minimum under rule 365:15-1-14(a) is 20 days for nonrenewal, compared with 10 days for cancellation.
Source: OAC 365:15-1-14 (Notice of cancellation or non-renewal), OID Chapter 15 rule text

3. According to the Oklahoma Insurance Department, a homeowners insurer may not cancel, nonrenew, or raise the premium on a policy in effect more than 45 days solely because the insured:

  1. filed a first claim on the policy
  2. paid the premium in installments
  3. requested a higher deductible
  4. installed a storm shelter on the property
Show answer
A. filed a first claim on the policy
The OID FAQ states that a first claim alone is not a permitted reason for these actions once the policy has been in effect more than 45 days.
Source: OID, Frequently Asked Questions

Residual Markets

4 questions

1. The Oklahoma Market Assistance Program (OK-MAP) helps consumers who cannot obtain which kind of coverage in the regular market?

  1. Workers compensation insurance
  2. Private passenger auto insurance
  3. Homeowners insurance
  4. Commercial general liability insurance
Show answer
C. Homeowners insurance
OK-MAP serves Oklahomans unable to get homeowners coverage through the regular market; the OID separately points auto applicants to the assigned risk plan.
Source: OID, Resource Guide (Oklahoma insurance consumer guide)

2. To use OK-MAP for homeowners coverage, an applicant must first have been declined by at least how many insurers?

  1. One insurer
  2. Two insurers
  3. Three insurers
  4. Five insurers
Show answer
B. Two insurers
The OID resource guide says applicants must have been declined by at least two insurers before OK-MAP can help.
Source: OID, Resource Guide (Oklahoma insurance consumer guide)

3. Which organization runs Oklahoma's automobile residual market, described by the OID as the market of last resort for drivers who cannot get coverage in the regular market?

  1. OPCIGA
  2. OK-MAP
  3. The Oklahoma Workers' Compensation Commission
  4. AIPSO (through the Oklahoma assigned risk auto plan)
Show answer
D. AIPSO (through the Oklahoma assigned risk auto plan)
The OID resource guide says AIPSO runs the auto residual market, and OK-MAP is the separate homeowners program.
Source: OID, Resource Guide (Oklahoma insurance consumer guide)

4. Under the statute cited in OID Bulletin PC 2020-02, an insurer that fails to pay an OK-MAP assessment may face revocation of its certificate of authority and a fine of up to:

  1. $500
  2. $1,000
  3. $25,000
  4. $5,000
Show answer
D. $5,000
36 O.S. 6422 requires members to participate in all OK-MAP assessments and writings, and allows penalties for nonpayment up to a $5,000 fine or revocation.
Source: OID, Bulletin No. PC 2020-02 (OK-MAP annual assessment)

Workers Compensation

1 question

1. Under 85A O.S. 8(A) of the Administrative Workers' Compensation Act, an employee's agreement to waive the right to compensation is:

  1. valid if it is in writing
  2. not valid
  3. valid if the employer pays the full premium
  4. valid if signed before a notary
Show answer
B. not valid
Section 8(A) provides that no agreement by an employee to waive his or her right to compensation is valid.
Source: 85A O.S. 8 (Waiver), Oklahoma Statutes Title 85A

Key Oklahoma terms

16 plain-English cards on Oklahoma insurance law, from the Oklahoma flashcard deck.

Licensing and CE

Oklahoma P&C CE requirement
24 hours in each 24-month period for a resident producer other than a title producer.
Oklahoma CE ethics hours
3 of the 24 CE hours must be in ethics.
Oklahoma CE carryforward
Up to 6 excess hours carry forward to the next period, counted as general hours.
Oklahoma CE extension limit
An extension of the CE compliance period may not exceed 12 months under OAC 365:25-3-1.
Oklahoma P&C exam fee
$38 for property, casualty, combined or personal lines, through PSI, with a 70 percent passing score.
Oklahoma P&C exam length
Property and casualty each have 75 questions plus 5 unscored in 120 minutes; combined has 150 plus 5 unscored.

Auto Insurance

Oklahoma minimum auto liability limits
25/50/25: $25,000 per person, $50,000 per accident bodily injury, $25,000 property damage.
Oklahoma UM/UIM offer
Insurers must offer UM/UIM coverage; the insured may decline only by signing a written rejection form.

Cancellation and Nonrenewal

Oklahoma general cancellation notice
Unless a specific rule says otherwise, an insurer must give at least 10 days notice before cancelling (OAC 365:15-1-14).
Oklahoma general nonrenewal notice
Absent a more specific rule, at least 20 days notice before nonrenewing a policy.
Oklahoma homeowners first-claim protection
After 45 days in effect, an insurer may not cancel, nonrenew or raise the premium solely because of a first claim.

Residual Markets

Oklahoma Market Assistance Program
OK-MAP helps consumers who cannot obtain homeowners insurance in the regular market.
OK-MAP eligibility
An applicant must first have been declined by at least two insurers.
Oklahoma assigned risk auto plan
Run by AIPSO. The market of last resort for drivers who cannot get coverage in the regular market.
OK-MAP assessment penalty
An insurer that fails to pay an OK-MAP assessment may face revocation of its certificate of authority and a fine up to $5,000.

Workers Compensation

Oklahoma workers comp waiver
An employee's agreement to waive the right to compensation is not valid (85A O.S. 8(A)).

Study the Oklahoma deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

Oklahoma exam questions

How much does the Oklahoma property and casualty exam cost?

$38, whether you take property, casualty, the combined exam, or personal lines.Source: PSI, Oklahoma Insurance Department Candidate Information Bulletin (Jul 2026)

How many times can I retake the Oklahoma exam?

As many as you need, but not twice on the same day.Source: PSI, Oklahoma Insurance Department Candidate Information Bulletin (Jul 2026)

What continuing education do Oklahoma producers need?

24 hours every two years: 3 hours of ethics, 2 hours of legislative update, and 19 general hours.Source: Oklahoma Insurance Department, License CE Requirements

How much of the Oklahoma property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Oklahoma candidate handbook from your testing provider for the exact content outline.

What does the Oklahoma state law section cover?

Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Residual Markets, Workers Compensation.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Oklahoma state law questions.