Oklahoma insurance adjuster license
Oklahoma's Insurance Adjusters Licensing Act (36 O.S. §6201 et seq.) requires a license for independent adjusters and company/staff adjusters ('insurance adjuster'), and a separate license for public adjusters. OID also issues an optional 6-month Apprentice Adjuster license and Emergency Adjuster licenses after declared catastrophes.
Some details on this page could not be confirmed on the regulator's own website. Check with the Oklahoma Insurance Department (OID), Licensing Division before you apply, and tell us if anything has changed.
How to get licensed in Oklahoma, step by step
- Choose the license you need. Oklahoma issues Adjuster (Independent and/or Staff), Apprentice Adjuster. Most new independent adjusters start with the Adjuster (Independent and/or Staff) license.
- Pass the state exam. It is given by PSI: 85 questions in 135 minutes, passing score 70%, fee $20. Some applicants can skip it (see exemptions below). Practice first with our Oklahoma Property and Casualty Adjuster practice test.
- Apply for the license with the Oklahoma Insurance Department (OID), Licensing Division and pay the $30 license fee.
- Keep it active. Complete 24 hours of continuing education, including 3 hours of ethics, every 2 years, completed before renewal and renew on time (license term: Biennial (no longer than 24 months); individual licenses renew on the last day of the licensee's birth month (36 O).
Oklahoma adjuster license types
| License | Covers | Exam | Prelicensing |
|---|---|---|---|
| Adjuster (Independent and/or Staff) | Lines of authority: Property, Casualty, Workers' Compensation, Crime & Fidelity Bonds, Crop/Hail, Multi-Peril Crop | Required Exam waived for a new resident licensed and in good standing in a former home state where they passed an exam, if they apply within 90 days of moving (36 O.S. §6208). Multi-peril crop applicants need federal crop adjuster certification. | Not required |
| Apprentice Adjuster | One line of business, adjusting only in Oklahoma under a supervising licensed adjuster; salaried/hourly pay only | Not required No exam; nonrenewable and limited to 6 months (36 O.S. §6204.1). Oklahoma residents only, paper application, $20. | Not required |
The Oklahoma adjuster exam
| Vendor | PSI |
|---|---|
| Exam | Oklahoma Property and Casualty Adjuster |
| Questions | 85 |
| Time limit | 135 minutes |
| Passing score | 70% |
| Exam fee | $20 |
| Candidate handbook | Official handbook (PDF) |
Take the free Oklahoma Property and Casualty Adjuster practice test
License fees
- Resident license: $30
- Nonresident license: $30
License fee is $30 for one line of authority or $50 for two or more, the same for residents and nonresidents; adding a line costs $20. Emergency Adjuster $15 per declaration; Apprentice $20. PSI adjuster exam fees are $20 each: P&C 85 scored + 5 unscored questions in 135 min; Property 50 in 75 min; Casualty 35 in 60 min; Crop & Hail and Workers' Comp also offered. NIPR transaction fees are extra.
License term: Biennial (no longer than 24 months); individual licenses renew on the last day of the licensee's birth month (36 O.S. §6217; OID fee schedule).
Continuing education
Oklahoma adjusters need 24 hours of continuing education, including 3 hours of ethics, every 2 years, completed before renewal. Nonresidents who meet their home state requirement are generally exempt.
Residents and Oklahoma-DHS adjusters need 3 hours ethics, 2 hours legislative update and 19 hours adjuster general. Nonresidents must complete CE in at least one state where they hold an adjuster license: their resident state if it requires CE, otherwise a 24-hour state of their choice. Up to 6 excess hours carry forward.
Nonresident adjusters, reciprocity and DHS
Nonresidents are licensed without the OK exam if they passed an exam in, and are in good standing in, their home state, and that state is reciprocal (36 O.S. §6205). OK accepts DHS licenses only from AL, AR, FL, ID, IN, KY (independent only, not staff), LA, MN, MS, MT, NH, NC, TX, UT, WA, WV, WY. Residents of states that license adjusters may not designate a DHS. Applicants with no qualifying home-state or DHS license must pass the OK exam.
Designated home state license: Yes. 36 O.S. §6202(6) and §6205(C) let adjusters from non-licensing states declare an exam-requiring state as home state, and OID's CE rules refer to 'Oklahoma DHS Adjusters'. A DHS applicant passes the OK PSI exam and then meets resident CE (24 hours including 3 ethics and 2 legislative update).
See every state's rules side by side on the adjuster license reciprocity map.
Emergency and catastrophe adjusters
36 O.S. §6218: after the Commissioner declares a catastrophe (by zip code or county), an Emergency Adjuster license may be issued to residents or nonresidents, who need not hold any adjuster license. It is valid 90 days from the emergency order (extendable another 90 days) and only for claims from that catastrophe. Applicants apply on NIPR ($15 per declaration) and need a sponsorship form from an Oklahoma resident adjuster, who is responsible for their conduct.
Public adjusters in Oklahoma
Separate Public Adjuster license (property claims only): exam required, $30 license fee, and a $25,000 surety bond filed before issuance and each renewal (36 O.S. §6214). Fees on claims from a declared catastrophe are capped at 10% (except for-profit commercial clients). Public adjusters may not designate a DHS.
Insurance adjuster salary in Oklahoma
| Claims adjusters, examiners and investigators | Oklahoma | United States |
|---|---|---|
| Mean annual wage | $72,820 | $80,470 |
| Median annual wage | $71,260 | $78,000 |
| 10th to 90th percentile | $47,440 to $100,240 | $48,850 to $117,040 |
| Employment | 4,140 | 324,230 |
Frequently asked questions
Do you need a license to be an insurance adjuster in Oklahoma?
Oklahoma's Insurance Adjusters Licensing Act (36 O.S. §6201 et seq.) requires a license for independent adjusters and company/staff adjusters ('insurance adjuster'), and a separate license for public adjusters. OID also issues an optional 6-month Apprentice Adjuster license and Emergency Adjuster licenses after declared catastrophes.
How much does an adjuster license cost in Oklahoma?
In Oklahoma, the exam fee is $20, the resident license fee is $30. Fees change, so confirm current amounts with the Oklahoma Insurance Department (OID), Licensing Division.
Can a nonresident get an adjuster license in Oklahoma?
Nonresidents are licensed without the OK exam if they passed an exam in, and are in good standing in, their home state, and that state is reciprocal (36 O.S. §6205). OK accepts DHS licenses only from AL, AR, FL, ID, IN, KY (independent only, not staff), LA, MN, MS, MT, NH, NC, TX, UT, WA, WV, WY. Residents of states that license adjusters may not designate a DHS. Applicants with no qualifying home-state or DHS license must pass the OK exam.
How many continuing education hours do Oklahoma adjusters need?
24 hours, including 3 hours of ethics, every 2 years, completed before renewal. Residents and Oklahoma-DHS adjusters need 3 hours ethics, 2 hours legislative update and 19 hours adjuster general. Nonresidents must complete CE in at least one state where they hold an adjuster license: their resident state if it requires CE, otherwise a 24-hour state of their choice. Up to 6 excess hours carry forward.
How much do insurance adjusters make in Oklahoma?
According to the U.S. Bureau of Labor Statistics, claims adjusters, examiners and investigators in Oklahoma earned a mean of $72,820 a year in May 2025, with a median of $71,260. The national mean was $80,470. Independent catastrophe adjusters are paid by fee schedule and can earn more or less than this.
Official Oklahoma resources
Regulator: Oklahoma Insurance Department (OID), Licensing Division
Sources
- oid.ok.gov/licensing-and-education/insurance-license-types/
- oid.ok.gov/licensing-and-education/license-ce-requirements/
- oid.ok.gov/licensing-and-education/emergency-adjuster-license/
- oid.ok.gov/licensing-and-education/licensing-exam/
- oid.ok.gov/licensing-and-education/renewing-a-license/
- oid.ok.gov/wp-content/uploads/2023/09/Fee-Schedule-Revised-090723-ck32.pdf
- oid.ok.gov/wp-content/uploads/2021/03/Apprentice-Adjuster-Sponsor-form-03092021ck.pdf
- oid.ok.gov/wp-content/uploads/2025/06/Licensing-Exam-Notice-2025__final.pdf
- test-takers.psiexams.com/api/content/bulletin/10769
- proctor2.psionline.com/media/programs/OKINS/procasx.pdf
- proctor2.psionline.com/media/programs/OKINS/Propjx.pdf
- proctor2.psionline.com/media/programs/OKINS/casajx.pdf
- oksenate.gov/sites/default/files/2019-12/os36.pdf
- nipr.com/licensing-center/state-requirements/oklahoma-non-resident-adjuster-licensing-indi
- nipr.com/licensing-center/state-requirements/oklahoma-resident-licensing-individual
Adjuster license requirements in other states
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