How to Get a Public Adjuster License in Oklahoma
This guide is for informational purposes only. SuretyBonds.com does not regulate or manage public adjuster licenses in Oklahoma. Contact the Oklahoma Insurance Department for the latest official requirements.
How to Become a Public Adjuster in Oklahoma
The Oklahoma Insurance Department (OID) regulates all public adjusters in the state. Under the Oklahoma Insurance Code § 6223, anyone who assists an insured individual or company in settling claims must be licensed.
To apply for a license, you’ll need to pass an exam and file a surety bond. Continue reading for step-by-step application instructions, renewal information and a total cost breakdown.
How Do I Get a Public Adjuster License in Oklahoma?
To get a public adjuster license in Oklahoma, follow these four steps:
Step 1: Verify eligibility
Anyone who is at least 18 years old and a U.S. citizen can apply for a public adjuster license.
While you don’t need to be a state resident, you must designate a home state where you’ve passed the adjuster exam and have an active license. The OID does not accept states without a continuing education requirement.
License reciprocity is only offered in 17 states. Verify your state on the OID’s website.
Step 2: Pass an exam
Before you can apply, you must pass the PSI public adjuster exam with a score of 70%. The adjuster exam tests general insurance knowledge as well as state-specific regulations.
The exam provider will then submit your results to the OID in three business days. Exams are valid for two years from the date taken.
Step 3: Purchase a surety bond
All public adjusters in Oklahoma must file a $25,000 surety bond. This protects clients from financial harm due to fraudulent or negligent insurance adjusters.
Purchase your Oklahoma public adjuster bond instantly online for just $250.
Step 4: Apply online
Select the resident or nonresident license on the NIPR system. Complete the application form and pay the $30 fee.
You can use the OID’s Licensee Lookup to check on the status of your application. Once approved, you will receive a copy of your license via email to print.
How Much Does It Cost to Get a Public Claims Adjuster License?
You can expect to pay $305.60 to get an Oklahoma public claims adjuster license. This includes the following fees:
- Exam fee: $20
- Surety bond premium: $250*
- Licensing fee: $30 + $5.60 transaction fee
*This reflects SuretyBonds.com public adjuster bond rates for a one-year term. Purchase a multi-year term to save up to 25%.
What Are the CE Requirements for Oklahoma Insurance Adjusters?
The OID requires continuing education (CE) for all insurance adjusters.
Residents must complete 24 credit hours of CE annually (3 hours of ethics, 2 hours of legislative update and 19 hours of adjuster general). You can choose from any of the National Association of Insurance Commissioners’ approved courses.
You cannot repeat any courses within 2 years of completion. Submit all course results to the OID within 10 business days. You can view your CE transcript here.
Nonresidents must complete all continuing education required by the state where your license is active.
How to Renew Your Public Insurance Adjuster License
Oklahoma public insurance adjuster licenses expire biennially on the last day of your birth month.
After completing all continuing education requirements, both residents and nonresidents can renew directly on NIPR. Pay the $30 renewal fee.
Note: Expired licenses CANNOT be renewed. You can reactivate a license that has been expired for less than one year by submitting a new initial application and paying a $60 fee.
How Do I Update My License Information?
You can submit any contact information, name, address and email updates via NIPR.
You must file all name change requests within 30 days of the legal change, or the OID will charge you a $50 late fee.
If you’re a nonresident, you must first update your information in your designated home state. Allow 24–48 hours for processing before updating it in Oklahoma.
NIPR doesn’t charge amendment fees.
How Hard is the Oklahoma Insurance Exam?
All public adjusters must pass the Oklahoma Insurance Property & Casualty Exam with a score of 70%. While the exam can be difficult, its topics and format are publicly available, allowing you to extensively prepare ahead of time.
The OID recommends preparing for the exam using the PSI Candidate Information Bulletin & Examination Content Outline. You can also study using Kaplan study manuals, which the OID primarily references when writing exams.
Outside of the OID’s recommendations, there are many options for study guides, exam prep providers and prep classes.
Exam Format and Topics
You have 135 minutes to complete 85 questions, 5 of which are unscored. The exam will test your knowledge on the following topics:
- Licensing requirements
- State insurance rules and regulations
- Personal and commercial property policies
- Insurance terms and related concepts
- Auto insurance policies and laws
- State workers’ compensation laws
You may retake the exam as many times as needed.
Last Updated: June 18, 2025
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