Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

Which personal auto coverage is most likely to have a deductible?

Uninsured motorist bodily injury

A named non-owner auto policy is most likely used for a person who does what?

Does not own a car but needs personal auto liability coverage when driving non-owned autos

Owns a car but wants coverage for a named driver who is excluded from the policy

Owns several cars and wants one policy that names each driver rather than each vehicle

Uses a company-furnished vehicle and wants physical damage coverage on that vehicle

Liability insurance primarily protects against which type of exposure?

Legal responsibility for covered injury or damage to others

Direct physical loss to the insured's own building and contents

The insured's own medical bills after an accident, regardless of fault

Loss of the insured's income when a covered peril shuts down the business

The duty to defend in a liability policy generally means the insurer may do what?

Defend the insured against covered or potentially covered claims

Defend the insured once a court has first ruled that the claim is covered

Defend the insured against any lawsuit, even if the policy clearly excludes it

Pay the insured's chosen attorney's fees up to the policy's liability limit

Which element is typically required to establish negligence?

A written insurance application

Punitive damages are generally intended to do what?

Punish especially wrongful conduct and deter similar behavior

Reimburse the plaintiff's medical bills, lost wages, and repair costs

Compensate the plaintiff for pain, suffering, and loss of enjoyment of life

Reimburse the plaintiff's attorney fees and court costs after a verdict

An aggregate limit in liability insurance is best described as what?

The total maximum the policy will pay for all covered claims during a policy period

The maximum the policy will pay for any single covered occurrence during the policy period

The maximum the policy will pay to any one injured person in a single covered accident

The amount the insured must pay on each claim before the policy begins to pay

An occurrence limit is most closely tied to which concept?

The maximum payable for one covered event or occurrence

The total payable for all claims during the policy period

The maximum payable to any one person injured in an event

The amount the insured retains before the policy pays

A personal umbrella policy is generally designed to provide what?

Extra liability coverage above underlying policies

Broader property coverage for high-value homes

Primary liability coverage that replaces auto and home policies

Excess medical payments coverage for household members

Which situation is most likely a liability claim rather than a first-party property claim?

The insured's guest slips on the insured's icy steps and is injured

The insured's computer is stolen from home

The insured's garage is damaged by wind

The insured's roof is damaged by hail

100% Free - No Registration Required

Oklahoma Property & Casualty Insurance Practice Exam Free - 2026

The Oklahoma Insurance Department licenses producers from Oklahoma City to Tulsa and beyond. Free unlimited practice with plain-English explanations gets you ready for exam day. Access 330+ free Property & Casualty questions with detailed explanations.

Exam quick facts. The Oklahoma Property & Casualty exam: 155 questions in 150 minutes; passing score 70%; exam fee $38; administered by PSI; no prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

330+ Questions

Unlimited Practice

Oklahoma Specific

How the Oklahoma Property & Casualty exam compares

The Oklahoma Property & Casualty exam is 155 questions, 150 minutes, a 70% cut score - combined Property & Casualty exam. The examination fee is $38.

Oklahoma requires no prelicensing course, so you can sit as soon as you are ready. That puts the whole burden of preparation on self-study and practice testing.

Property & Casualty questions reviewed by Rebecca Lawson and Robert Hayes — Property & Casualty, 11 years' experience, Phoenix, AZ; Property & Casualty and Personal Lines, 13 years' experience, Denver, CO. Last updated July 29, 2026

Figures above are taken from Oklahoma Insurance Department Candidate Information Bulletin (PSI; linked from oid.ok.gov) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

Choose Your Practice Mode

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Simulate the real exam experience with timed questions

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50-150 questions
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Instant feedback
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Pick your topics and question count to drill exactly what you need

Focus on just your weakest topics
5-150 questions, timed or untimed
Keeps your Oklahoma selection

Oklahoma Property & Casualty Exam Info

Vendor: PSI
Questions: OK Property and Casualty Producer (combined): 150 questions plus 5 unscored; separate Property and Casualty exams are also listed in the bulletin
Time limit: 150 minutes
Passing: 70% correct to pass
Exam fee: $38
Prelicensing: None for producer lines. OID's official licensing steps (oid.ok.gov) list only self-study, exam, and application; the bulletin requires prelicensing education only for Bail Bondsman (16 hours).

Verified July 2026 from the Oklahoma Insurance Department Candidate Information Bulletin (PSI; linked from oid.ok.gov). Always confirm with the current official candidate handbook.

Oklahoma Insurance Department

More Oklahoma Tests

Study Tip

Don't just aim to pass a practice test once - retake it until you score comfortably above your state's passing mark two or three times in a row. Read the explanation after every question, even the ones you get right, to lock in the rule before exam day.

Oklahoma Property & Casualty Exam Topics

Advanced Scenarios

Auto Insurance

Businessowners Policy (BOP)

CGL Exclusions

Claims Process

Commercial Auto

Commercial General Liability

Commercial Insurance

Crime Coverage

Dwelling Policy (DP Forms)

Emerging & Mandated Coverages

Endorsements

Environmental Liability

Equipment Breakdown

Ethics & Regulations

Farm & Ranch Coverage

Flood Insurance (NFIP)

General Principles & Contract Law

Homeowners Exclusions

Homeowners Insurance

Inland & Ocean Marine

Insurance Fundamentals

Liability Insurance

Liability Limits

Mixed Scenarios

P&C Insurance Basics

Policy Conditions

Policy Provisions & Conditions

Professional Liability

Property Exclusions

Property Insurance

Property Valuation

Residual & Surplus Lines Markets

Surety & Fidelity Bonds

Valuation, Coinsurance & Limits

Workers Compensation

State Insurance Law

Free Oklahoma Property & Casualty Practice Questions with Answers

12 sample questions from the 330-question Property & Casualty bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Property & Casualty questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Oklahoma

Prepare for multiple insurance licenses in Oklahoma

Life Insurance

Oklahoma Exam

Health Insurance

Oklahoma Exam

Property & Casualty Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Oklahoma Insurance Resources

Important external links for Oklahoma insurance licensing information

Oklahoma Insurance Department

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Choose a practice mode above and begin your free Oklahoma Property & Casualty exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Oklahoma Property & Casualty Insurance Practice Exam Free - 2026

How the Oklahoma Property & Casualty exam compares

Choose Your Practice Mode

Oklahoma Property & Casualty Exam Topics

Free Oklahoma Property & Casualty Practice Questions with Answers

Question 1: Which personal auto coverage is most likely to have a deductible?

Question 2: A named non-owner auto policy is most likely used for a person who does what?

Question 3: Liability insurance primarily protects against which type of exposure?

Question 4: The duty to defend in a liability policy generally means the insurer may do what?

Question 5: Which term refers to an unbroken chain of events between negligence and injury?

Question 6: Which element is typically required to establish negligence?

Question 7: Which type of damages is intended to compensate an injured party for actual loss?

Question 8: Punitive damages are generally intended to do what?

Question 9: An aggregate limit in liability insurance is best described as what?

Question 10: An occurrence limit is most closely tied to which concept?

Question 11: A personal umbrella policy is generally designed to provide what?

Question 12: Which situation is most likely a liability claim rather than a first-party property claim?

Frequently Asked Questions

How many questions are on the Oklahoma Property & Casualty exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Oklahoma insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Oklahoma

Property & Casualty Exams in Nearby States

Official Oklahoma Insurance Resources

Ready to Start Practicing?

Property & Casualty practice tests by state