Oklahoma insurancelicense requirements
Oklahoma insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- PSI
- Passing score
- 70%
- Exam fee
- $38 per producer exam
- License fee
- $60
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Oklahoma
Below, you'll find the steps to a Oklahoma insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Oklahoma insurance producers
Contact the Oklahoma insurance department
How much do insurance agents make in Oklahoma?
Oklahoma average insurance agent salary (all lines): $65,290
That is the mean annual wage for insurance sales agents in Oklahoma in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $82,147
- Health insurance agent: $51,232
- Property and casualty insurance agent: $44,106
Please note that salaries will vary based on experience level and local demand.
Does Oklahoma require prelicensing education?
No, Oklahoma does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Oklahoma?
Becoming an insurance producer in Oklahoma requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: (optional) Complete an optional prelicensing course to help prepare for your licensing exam.
- Step 2: Schedule your exam with PSI online at https://home.psiexams.com/#/home or by phone at (833) 333-4754. Exams can be taken at a PSI center or via remote proctoring. Pay the exam fee when booking. Cancel at least two days in advance to avoid forfeiting your fee. More information is available in PSI's Oklahoma Candidate Information Bulletin.
- Step 3: On the exam day, bring a valid government-issued ID with a photo. If taking a remote proctored exam, ensure you complete both the exam and survey portions to receive your results. Security measures are enforced, including restrictions on items and attire. Review the candidate bulletin at https://test-takers.psiexams.com/okins for details.
- Step 4: Wait three business days after passing for your results to reach the Department, then apply for your license via https://nipr.com/. Paper applications are not accepted. Additional information can be found on the Department’s Licensing webpage at https://www.oid.ok.gov/licensing-and-education/applying-for-a-license/.
If you need assistance with any of these steps or have questions about specific requirements, contact the Oklahoma insurance department for the most current information.
Oklahoma insurance exam information
Oklahoma Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (100 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 51.3% (746 of 1,455 first-time test takers, 2025) |
Oklahoma Accident & Health or Sickness Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (100 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 52.0% (310 of 596 first-time test takers, 2025) |
Oklahoma Life, Accident & Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 155 Total Questions (150 scored, 5 pretest) |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 60.1% (1,323 of 2,203 first-time test takers, 2025) |
Oklahoma Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 80 Total Questions (75 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 25.0% (4 of 16 first-time test takers, 2025) |
Oklahoma Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 80 Total Questions (75 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 33.3% (11 of 33 first-time test takers, 2025) |
Oklahoma Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 155 Total Questions (150 scored, 5 pretest) |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 53.3% (736 of 1,382 first-time test takers, 2025) |
Oklahoma Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (100 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 52.4% (153 of 292 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Oklahoma insurance licensing fees
- Resident new license producer: $60
- Resident limited lines: $40
- Resident surplus lines: $100
- Nonresident producer: $100
- Nonresident limited lines: $100
- Nonresident surplus lines: $100
- Renewal producer resident: $60
- Renewal limited lines resident: $40
- Renewal surplus lines resident: $100
- Renewal producer nonresident: $100
- Renewal limited lines nonresident: $100
- Renewal surplus lines nonresident: $100
Where can I apply for a resident insurance license in Oklahoma?
Apply through NIPR
How can I apply for a non-resident insurance license in Oklahoma?
- 1. Must be at least 18 years old.
- 2. Physical address required.
- 3. Reciprocity generally applies. Must have an active license in your resident state for the same LOA
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $100 plus NIPR processing fees.
Oklahoma carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits JIT appointments: Yes
- Initial appointment deadlines: Within 15 days of contract execution or first business submission
- Initial appointment deadline rule: OK ST T. 36 § 1435.15(A,B)
- Can be processed via NIPR: Yes
- Fees for appointing resident or nonresident: $30
- Appoint agencies: Yes
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes
- Appointment effective date rule: Effective date required; not in future; may be backdated up to 15 days; cannot precede appointee or appointer license effective date
- State requires appointment renewal: Yes
- Appointment renewal via NIPR Portal
- Renewal period: November 25 through December 31
- Appointment renewal fee: $30
- Licenses require appointment or affiliation: No
Oklahoma insurance license termination details
- Terminations processed via NIPR: Yes
- Termination reasons: Voluntary; cancelled for cause
- Termination date can be specified: No
- Termination effective date: Date transaction is processed
- Termination fee: None
- Allows termination if license expired: Yes
- Not-for-cause notices must be mailed
Oklahoma insurance license renewals
Resident renewal period begins: 90 days before expiration ; Resident renewal date: Last day of birth month every 2 years, based on first license issuance year ; Nonresident renewal period: 90 days before expiration ; Nonresident renewal date: Last day of birth month every 2 years based on first license issuance year ; P.O. Box not allowed ; Must list county ; Required addresses: Residence, Business, Mailing ; Personal data change must be reported within 20 days; $50 administrative fee if late
Oklahoma insurance license continuing education (CE) requirements
- Total hours: 24 every 2 years
- CE due before renewal: Yes
- License renewal date: Last day of birth month
- CE must show at least 3 days before renewal
- CE reminders: 90 days before expiration
- Rollover: Up to 6 hours
- Ethics: 3 hours ethics + 2 hours OK legislative updates
- Flood: 3 hours NFIP
- LTC: 8-hour initial + 4 hours every 2 years
- Annuity: One-time 4-hour
- Missed renewal: 1 year to reactivate; double license fee; no exam required; must be CE compliant 48 hours before reactivation
- Adjusters: 24 hours + 3 ethics; workers comp adjusters must have 6 hours workers comp
- Title Producers: 16 hours
- Customer Service Representative: 13 hours
- CE transcript: https://sbs.naic.org/solar-external-lookup/license-manager
Oklahoma insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Oklahoma requires no prelicensing course, so you can book your exam as soon as you are ready. After you pass, you have 2 years to apply. The state gives this processing time: 5 to 7 business days.
Yes. Oklahoma candidates can test online with a remote proctor through PSI, or in person at a test center.
Expect to pay $38 per producer exam for the exam and $60 for the license. Any exam prep is extra.
No. Oklahoma does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70%. In 2025, 60.1% of first-time test takers passed the Oklahoma life and health exam, according to the NAIC.
Apply through NIPR after you pass your exam.
Oklahoma requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing and where to apply: oid.ok.gov
- Exam provider, exam fee, passing score, online exams and processing time: test-takers.psiexams.com
- License fee: nipr.com
- Continuing education: oid.ok.gov
- Time to apply after passing: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Oklahoma and exam provider sources as of . Licensing rules and fees change, so confirm them with the Oklahoma insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Oklahoma, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
