- The exam has 85 scored questions plus 5 unscored ones, with 135 minutes and a 70% passing threshold.
- Automobile Insurance is the single largest domain at 20 of 85 scored questions.
- Personal and Commercial Property Policies (17 questions) and Insurance Terms and Related Concepts (13 questions) are the next biggest priorities.
- The exam fee is $20, and Oklahoma allows retakes with open eligibility until you pass.
Exam Snapshot: The Numbers That Matter
If you only have five minutes before test day, memorize these facts about the Oklahoma Property and Casualty Adjuster Exam. They are governed by the Oklahoma Insurance Department and administered through PSI testing centers, and every number below comes directly from the current exam outline effective August 1, 2026.
- Total questions: 85 scored plus 5 unscored (you won't know which is which, so treat every question as scored)
- Time allowed: 135 minutes
- Passing score: 70% correct
- Exam fee: $20
- Age/citizenship requirement: at least 18 years old, and either a U.S. citizen or holder of a valid visa or I-94 card
- Retake policy: open eligibility - you can sit for the exam again as many times as needed
For a deeper dive into how this threshold is calculated and why 70% is the number that counts, see the OK-ADJ Passing Score 2026: Exactly What You Need to Pass breakdown. And if you're still deciding whether the investment makes sense for your career plans, the OK-ADJ Certification Cost 2026: Complete Pricing Breakdown article covers every fee tied to licensing.
Domain-by-Domain Weight Cheat Sheet
The exam draws from nine content domains. Knowing exactly how many questions come from each area lets you allocate study hours proportionally instead of spreading effort evenly across topics that carry very different weight.
Domain 9: Automobile Insurance - 20 questions
This is the largest domain on the entire exam and deserves the largest slice of your prep time.
- Covers policy structure, coverage types, and state-specific automobile insurance requirements
Domain 5: Personal and Commercial Property Policies - 17 questions
Second-largest domain; expect heavy coverage of property policy forms and claims handling concepts.
Domain 6: Insurance Terms and Related Concepts - 13 questions
Foundational vocabulary and concepts that show up embedded inside questions from other domains too.
Domain 7: Commercial Casualty Policies, Bonds, and Related Terms - 10 questions
Covers commercial liability structures, bonds, and casualty-specific terminology.
The remaining five domains carry smaller but still meaningful weight: State Insurance Statutes, Rules, and Regulations (6 questions), State Automobile Insurance Laws (6 questions), Licensing (5 questions), Casualty Policy Provisions and Contract Law (5 questions), and State Workers' Compensation (3 questions).
For a full explanation of what each of the nine domains actually tests - down to subtopics and sample question styles - read the OK-ADJ Exam Domains 2026: Complete Guide to All 9 Content Areas. It pairs well with this cheat sheet because it explains the "why" behind each weight while this page gives you the fast-reference numbers.
Key Takeaway
Together, Automobile Insurance, Property Policies, and Insurance Terms account for 50 of the 85 scored questions. Master these three domains first before spending equal time on the smaller ones.
Registration and Test-Day Mechanics
Understanding the mechanics of scheduling and sitting for the exam prevents avoidable mistakes on test day. PSI administers the exam both at physical test centers and through remote proctoring.
- In-person option: Test at a PSI testing center; no reference materials or personal calculators are permitted in the testing room
- Remote proctor option: Take the exam from home, but remote sessions do not allow scratch paper or breaks - plan your pacing accordingly since you cannot step away mid-exam
- Eligibility: Candidates must be 18 or older and either a U.S. citizen or hold a valid visa or I-94 card
- Repeat attempts: Oklahoma's open eligibility policy means you can retake the exam as many times as necessary without a waiting-period penalty
If you're unsure whether you meet the baseline requirements or need clarification on documentation, the OK-ADJ Requirements 2026: Eligibility, Prerequisites & How to Qualify guide walks through every prerequisite step by step. For scheduling windows and how far in advance you should book a seat, check OK-ADJ Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Must-Know Topics Inside the Big Domains
Beyond memorizing question counts, you need to know what actually gets tested inside the heavyweight domains. Here's where to focus inside the three largest content areas.
Inside Automobile Insurance (20 questions)
Expect questions on liability coverage structures, uninsured/underinsured motorist provisions, physical damage coverage, and how Oklahoma's specific automobile insurance statutes interact with policy language. This domain overlaps conceptually with Domain 3 (State Automobile Insurance Laws), so studying them together reinforces both.
Inside Personal and Commercial Property Policies (17 questions)
This domain blends personal lines (homeowners-style coverage) with commercial property forms. Expect scenario-based questions that ask you to identify which policy provision applies to a described loss, so practice reading claim scenarios carefully rather than just memorizing definitions.
Inside Insurance Terms and Related Concepts (13 questions)
This domain is deceptively broad - it's less about memorizing a glossary and more about applying terminology correctly within context. Terms from this domain frequently reappear as distractors in questions from other domains, so weak vocabulary here can cost you points across the whole exam.
If you want a structured walkthrough of exactly how difficult candidates typically find each domain and which ones cause the most repeat attempts, the How Hard Is the OK-ADJ Exam? Complete Difficulty Guide 2026 article breaks this down further. And for a data-driven look at outcomes across all domains, see OK-ADJ Pass Rate 2026: What the Data Shows.
Continuing Education Rules at a Glance
Passing the exam is the first milestone - staying licensed requires ongoing continuing education. Resident adjusters and those using Oklahoma as their designated home state must complete 24 CE hours total, broken down as follows:
- 3 hours of ethics coursework
- 2 hours of legislative-update coursework
- 19 hours of general adjuster coursework
Building this requirement into your planning early - even before you sit for the initial exam - helps you understand the full lifecycle of the credential rather than treating the exam as a one-time event.
Key Takeaway
The 24 CE hour requirement (3 ethics + 2 legislative-update + 19 general) applies to resident and Oklahoma designated-home-state adjusters - factor this into your long-term licensing timeline, not just your exam-day prep.
Final-Week Review Schedule
Generic study advice like spaced repetition or timed drills only helps when it's mapped to OK-ADJ's specific domain weights. Here's how to allocate a final review week based on the point values above rather than spreading time evenly across all nine domains.
Automobile Insurance + State Automobile Insurance Laws
- Drill Domain 9's 20 questions worth of concepts alongside Domain 3's 6 related questions since they overlap heavily
Property Policies + Insurance Terms
- Work through Domain 5 (17 questions) and Domain 6 (13 questions) - together they represent over a third of the scored exam
Commercial Casualty + Contract Law
- Cover Domain 7 (10 questions) and Domain 8 (5 questions) in one focused session since both deal with casualty and contract concepts
Licensing, Statutes, Workers' Comp
- Finish with the smaller domains - Licensing (5), State Insurance Statutes (6), and Workers' Compensation (3) - then do a full timed practice run under the 135-minute limit
For a complete week-by-week study plan built around a full prep timeline (not just the final week), see the OK-ADJ Study Guide 2026: How to Pass on Your First Attempt. Running full-length timed drills on our practice test platform before test day is the best way to confirm your pacing holds up under the real 135-minute constraint.
Quick Reference Table
| Fact | Detail |
|---|---|
| Governing body | Oklahoma Insurance Department |
| Test administrator | PSI |
| Exam fee | $20 |
| Scored questions | 85 |
| Unscored questions | 5 |
| Time allowed | 135 minutes |
| Passing score | 70% |
| Minimum age | 18 |
| Citizenship requirement | U.S. citizen, valid visa, or I-94 card |
| Retakes | Open eligibility, unlimited attempts |
| Largest domain | Automobile Insurance (20 questions) |
| CE hours (resident/designated home state) | 24 total: 3 ethics, 2 legislative-update, 19 general |
| Testing formats | PSI test center or remote proctor |
| Outline effective date | August 1, 2026 |
Understanding these mechanics also helps when weighing whether pursuing the credential fits your career goals. The Is the OK-ADJ Certification Worth It? Complete ROI Analysis 2026 article and the OK-ADJ Salary Guide 2026: Complete Earnings Analysis both dig into the career-side questions this cheat sheet doesn't cover. If you're brand new to the credential and want foundational context, start with What Is OK-ADJ? or OK-ADJ Certification before returning to this reference page.
Frequently Asked Questions
The exam has 85 scored questions plus 5 unscored questions for a total of 90, and you're given 135 minutes to complete it.
You need 70% correct on the scored portion of the exam to pass.
No. Reference materials and personal calculators are prohibited at PSI test centers, and remote-proctored sessions add the restriction of no scratch paper and no breaks during the exam.
Automobile Insurance, with 20 of the 85 scored questions, is the largest domain and should receive the most study time, followed by Personal and Commercial Property Policies at 17 questions.
Oklahoma has open eligibility rules, meaning you can retake the exam as many times as needed until you pass, without a mandatory waiting period penalty.