- OK-ADJ is the Oklahoma Property and Casualty Adjuster Exam, regulated by the Oklahoma Insurance Department.
- The exam has 85 scored questions plus 5 unscored, with 135 minutes and a 70% passing score.
- Automobile Insurance is the single largest domain, worth 20 of 85 scored questions.
- Registration costs $20 through PSI, and Oklahoma allows unlimited retakes with open eligibility.
What OK-ADJ Actually Is
OK-ADJ stands for the Oklahoma Property and Casualty Adjuster Exam, the licensing test administered on behalf of the Oklahoma Insurance Department by PSI. Passing it qualifies you to work as a resident or designated-home-state property and casualty claims adjuster in Oklahoma - evaluating losses, negotiating settlements, and interpreting policy language for insurers, independent adjusting firms, or public adjusting companies.
This is not a general insurance literacy quiz. It is a scenario-driven regulatory exam built around Oklahoma-specific statutes, standard property and casualty policy forms, and the mechanics of automobile claims. If you've searched other explainer pages like OK-ADJ Meaning or What Does OK-ADJ Stand For?, this article ties those basics directly to the exam blueprint you'll actually face.
Who Needs This License
Anyone planning to adjust property, auto, or casualty claims physically located in Oklahoma - as a resident licensee or under a designated home state arrangement - needs to pass OK-ADJ. Typical employers include national insurance carriers, independent adjusting (IA) firms handling catastrophe and daily claims, third-party administrators, and staff adjuster teams. If you're weighing whether this path fits your goals, Is the OK-ADJ Certification Worth It? Complete ROI Analysis 2026 breaks down the tradeoffs, and OK-ADJ Jobs covers the kinds of roles that require this license.
Eligibility itself is straightforward: candidates must be at least 18 years old and either U.S. citizens or hold a valid visa or I-94 card. Oklahoma does not restrict how many times you can sit for the exam - eligibility is open, so you can retake it as needed until you pass. Full details, including documentation requirements, are covered in OK-ADJ Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Exam Format and Registration Mechanics
Here's what actually happens when you sit for OK-ADJ:
- Cost: $20 per attempt, paid through PSI's registration system.
- Question count: 85 scored questions plus 5 unscored questions (90 total).
- Time limit: 135 minutes.
- Passing score: 70% correct on the scored portion.
- Outline version: The current content outline takes effect August 1, 2026 - make sure any prep material you use matches this version.
For a granular breakdown of exactly what "70% correct" means in raw question counts, see OK-ADJ Passing Score 2026: Exactly What You Need to Pass. And if you're comparing the $20 exam fee against other licensing expenses (fingerprinting, CE, study materials), OK-ADJ Certification Cost 2026: Complete Pricing Breakdown lays out the full cost picture.
Key Takeaway
Because eligibility is open and retakes are unlimited, the real cost of failing isn't disqualification - it's wasted time and repeated $20 fees. Treat your first attempt as the one that counts.
The Nine Content Domains
OK-ADJ's 85 scored questions are distributed across nine domains. Knowing the weight of each domain tells you exactly where to invest study hours.
Domain 9: Automobile Insurance - 20 questions
The largest domain by far. Covers liability coverage, physical damage, uninsured/underinsured motorist provisions, and claims-handling procedures specific to auto policies.
- Master coverage triggers and exclusions before anything else
Domain 5: Personal and Commercial Property Policies - 17 questions
Homeowners forms, dwelling policies, commercial property forms, and the perils/exclusions that distinguish them.
- Focus on how personal and commercial forms differ in structure
Domain 6: Insurance Terms and Related Concepts - 13 questions
Foundational vocabulary and concepts that underpin every other domain - indemnity, subrogation, insurable interest, and similar terms.
- Weak vocabulary here undermines performance everywhere else
Domain 7: Commercial Casualty Policies, Bonds, and Related Terms - 10 questions
General liability forms, bonds, and casualty-specific contract language.
The remaining five domains - Licensing (5), State Insurance Statutes, Rules, and Regulations (6), State Automobile Insurance Laws (6), State Workers' Compensation (3), and Casualty Policy Provisions and Contract Law (5) - round out the blueprint with Oklahoma-specific regulatory content. For a complete question-by-question walkthrough of all nine areas, see OK-ADJ Exam Domains 2026: Complete Guide to All 9 Content Areas.
| Domain | Scored Questions |
|---|---|
| Automobile Insurance | 20 |
| Personal and Commercial Property Policies | 17 |
| Insurance Terms and Related Concepts | 13 |
| Commercial Casualty Policies, Bonds, and Related Terms | 10 |
| State Insurance Statutes, Rules, and Regulations | 6 |
| State Automobile Insurance Laws | 6 |
| Licensing | 5 |
| Casualty Policy Provisions and Contract Law | 5 |
| State Workers' Compensation | 3 |
Why Automobile Insurance Dominates the Test
With 20 of 85 scored questions, Automobile Insurance alone accounts for roughly a quarter of your score. This weighting reflects reality: auto claims are the highest-volume claim type most adjusters handle in their first years on the job. Expect scenario questions testing liability determination, comparative fault, medical payments coverage, and how state-specific automobile laws (Domain 3) intersect with general policy provisions.
Combined, Domain 9 (Automobile Insurance) and Domain 3 (State Automobile Insurance Laws) account for 26 of the 85 scored questions - nearly a third of the exam. Underestimating this area is one of the most common reasons candidates fall short of 70%. If you want a realistic sense of how tough this section feels in practice, How Hard Is the OK-ADJ Exam? Complete Difficulty Guide 2026 discusses where candidates typically struggle.
Test Day: PSI Center vs. Remote Proctor
Candidates choose between testing at a physical PSI center or through remote online proctoring. Both options carry the same content and time limit, but the rules differ in ways that catch people off guard:
- Reference materials and personal calculators are prohibited in both formats.
- Remote sessions additionally disallow scratch paper and breaks - once you start, you're committed until you finish or run out of time.
- In-person testing at a PSI center may offer more flexibility around environment, but requires travel and scheduling around center availability.
Because remote testing removes even scratch paper, any math-adjacent questions (proration, deductible calculations, coverage limits) need to be worked out mentally or through careful re-reading rather than written computation. Scheduling logistics, blackout periods, and how far in advance to book are covered in OK-ADJ Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
After You Pass: Continuing Education
Passing OK-ADJ isn't the end of the compliance story. Resident adjusters and those using Oklahoma as a designated home state must complete 24 hours of continuing education, broken down as:
- 3 hours of ethics
- 2 hours of legislative updates
- 19 hours of adjuster-general topics
This CE requirement keeps licensees current on regulatory changes and reinforces the same domain knowledge tested on the original exam - another reason building genuine domain competence now (rather than cramming) pays off over your career.
Planning Your Study Timeline
Given the domain weighting, a sensible study sequence front-loads the heaviest domains early, when you have the most energy and review cycles left before test day.
Automobile Insurance + State Automobile Insurance Laws
- Cover the two domains worth 26 combined questions first
- Build a personal glossary of auto-specific coverage terms
Property Policies + Insurance Terms
- Compare personal vs. commercial property forms side by side
- Drill foundational vocabulary until definitions are automatic
Commercial Casualty, Contract Law, and Regulatory Domains
- Work through bonds, casualty forms, and Oklahoma statutes
- Fold in Licensing and Workers' Compensation as lighter review
Full-Length Practice and Timing Drills
- Simulate the full 135-minute, 90-question format
- Review weak domains identified from missed practice questions
For a structured, step-by-step version of this plan with more detail on pacing and review cycles, see OK-ADJ Study Guide 2026: How to Pass on Your First Attempt. When you're ready to test your recall under realistic time pressure, our full-length OK-ADJ practice tests mirror the domain weighting shown above, and the OK-ADJ Cheat Sheet 2026: One-Page Review of Must-Know Facts is useful for last-minute review the night before your appointment.
Key Takeaway
Don't distribute study time evenly across all nine domains - that wastes hours on low-weight areas like Workers' Compensation (3 questions) while under-preparing for Automobile Insurance (20 questions).
Frequently Asked Questions
It refers to the Oklahoma Property and Casualty Adjuster Exam, the licensing test overseen by the Oklahoma Insurance Department and delivered through PSI testing centers or remote proctoring.
There are 90 total questions: 85 scored and 5 unscored pretest items. You have 135 minutes to complete all of them, and you need 70% correct on the scored questions to pass.
Yes. Oklahoma insurance exams have open eligibility, meaning you can retake OK-ADJ as many times as needed until you pass, paying the $20 fee each time.
Automobile Insurance, with 20 of the 85 scored questions, is the single largest domain. Combined with State Automobile Insurance Laws, auto-related content covers nearly a third of the exam.
Both formats prohibit reference materials and personal calculators. Remote proctored sessions go further and disallow scratch paper and breaks, so plan your pacing accordingly if you choose that option.