Oregon Property & Casualty Insurance License Practice Exam
150 questions (Series 12-04), 160 min. 70% to pass. Fingerprinting on exam day at PSI site ($61.25). 25/50/20 + mandatory PIP. SAIF WC. Oregon FAIR Plan. Earthquake disclosure.
Oregon Property & Casualty — Study by Topic
Drill Oregon state law or practice general P&C concepts. 150 questions (Series 12-04), 160 min. 25/50/20 + mandatory PIP. SAIF WC. FAIR Plan. Earthquake disclosure.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, Oregon earthquake disclosure.
Casualty & Liability
Auto (PAP, 25/50/20, mandatory PIP $15K, UM/UIM), CGL, WC (SAIF Corporation), umbrella, bonds, commercial auto, surety/marine.
Oregon State Law
DFR, Commissioner appointed, same-day PSI fingerprinting, SAIF WC, Oregon FAIR Plan, OPCIA, 25/50/20 + $15K mandatory PIP, UM/UIM, earthquake disclosure, E&O required, $45 renewal.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel, Oregon mandatory PIP.
🌟 Full OR P&C Exam
150-question timed exam simulating the PSI Oregon Series 12-04 combined P&C exam. 160 minutes. 70% to pass. 25/50/20 + mandatory PIP. SAIF WC. Oregon FAIR Plan. Same-day PSI fingerprinting.
About the Oregon Property & Casualty Insurance License Exam
To get your Oregon Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $45–$55. Oregon is regulated by the Oregon Division of Financial Regulation (DFR) under Oregon Revised Statutes Title 56 (Chapters 731–750). Visit dfr.oregon.gov for official licensing information. Same-day PSI fingerprinting on exam day ($61.25); TWO IDs + certificate; 3 hrs OR statutes CE; E&O required; 25/50/20 auto + mandatory PIP ($15,000); SAIF Corporation (competitive state WC); Oregon FAIR Plan; Commissioner appointed; DFR within DCBS.
Pre-licensing education in Oregon: 20 hours per line. Continuing education: 24 hours + 3 ethics + 3 hours Oregon statutes biennial. License renewal fee: $45/line biennial. CE must be completed before submitting your Oregon renewal application. How to get licensed in Oregon: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Oregon producer license.
How to get a Oregon Property & Casualty insurance license in 2026: The Oregon Division of Financial Regulation (DFR) (dfr.oregon.gov) administers all producer licensing in Oregon. Exam: PSI Services LLC, $45–$55, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Oregon Property & Casualty license by completing 24 hours + 3 ethics + 3 hours Oregon statutes biennial and paying the $45/line biennial renewal. For questions contact the Oregon Division of Financial Regulation (DFR).
DFR (dfr.oregon.gov). ORS Title 56. Same-day PSI fingerprinting ($61.25). TWO IDs + certificate. 25/50/20 auto + mandatory PIP $15,000. SAIF Corporation WC. Oregon FAIR Plan. E&O required. 3 hrs Oregon statutes CE.
Frequently Asked Questions — Oregon Property & Casualty Exam
How do I get a Oregon Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Oregon: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($45–$55, 70%); (4) Apply for your Oregon producer license. The Oregon Division of Financial Regulation (DFR) (dfr.oregon.gov) oversees all insurance producer licensing in Oregon.
What exam does Oregon use for Property & Casualty insurance licensing?
Oregon uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $45–$55. Passing score: 70%. Same-day PSI fingerprinting on exam day ($61.25); TWO IDs + certificate; 3 hrs OR statutes CE; E&O required; 25/50/20 auto + mandatory PIP ($15,000); SAIF Corporation (competitive state WC); Oregon FAIR Plan; Commissioner appointed; DFR within DCBS.
Does Oregon require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit dfr.oregon.gov.
What are Oregon's CE requirements for Property & Casualty producers?
Oregon requires: 24 hours + 3 ethics + 3 hours Oregon statutes biennial. Renewal fee: $45/line biennial. CE must be completed before submitting the renewal application. Contact the Oregon Division of Financial Regulation (DFR) at dfr.oregon.gov for CE provider information.
What makes Oregon unique for Property & Casualty insurance licensing?
Same-day PSI fingerprinting on exam day ($61.25); TWO IDs + certificate; 3 hrs OR statutes CE; E&O required; 25/50/20 auto + mandatory PIP ($15,000); SAIF Corporation (competitive state WC); Oregon FAIR Plan; Commissioner appointed; DFR within DCBS.
Practice Exam Questions — Oregon Property & Casualty
5 state-specific questions drawn from the Oregon exam content outline. Correct answer highlighted in green.
Oregon auto minimums and fault system:
- 25/50/25 at-fault, no PIP
- 25/50/20 at-fault (same as Nevada)
- 25/50/20 + mandatory PIP of $15,000 — Oregon requires $15,000 PIP; at-fault state despite mandatory PIP; modified comparative negligence (51% bar); UM/UIM required
- 15/30/10 no-fault
Oregon Workers' Compensation uses:
- Monopolistic BWC-style fund
- SAIF Corporation (State Accident Insurance Fund) — a competitive state-chartered WC carrier; Oregon WC is competitive (not monopolistic); Workers' Compensation Division administers claims
- SAIF and private carriers only — no self-insurance
- Federal OSHA administers WC in Oregon
Oregon fingerprinting at the PSI test site on exam day is unique because:
- All PSI states fingerprint at the test site
- Only Oregon and Louisiana fingerprint at the PSI test site on exam day; Oregon: $61.25 at PSI site; Louisiana: IdentoGO at PSI site; all other portfolio states use separate vendors at different times
- Fingerprinting is always done at the exam site nationally
- Only Oregon does same-day fingerprinting
Oregon's mandatory $15,000 PIP compared to Utah's mandatory $3,000 PIP:
- Both states have the same mandatory PIP amount
- Oregon: mandatory PIP $15,000 (5x higher than Utah); both are at-fault states with mandatory PIP; Oregon 25/50/20; Utah 25/65/15 (unique $65K per-accident limit)
- Utah has a higher PIP than Oregon
- Oregon has no mandatory PIP; Utah does
Oregon's primary P&C statute is:
- ORS Chapter 30 — Torts
- Oregon Revised Statutes Title 56 (Chapters 731-750) — Insurance; DFR at dfr.oregon.gov; Commissioner appointed; E&O required; fingerprinting at PSI $61.25 on exam day; 3 hrs Oregon Statutes CE; $45/line renewal biennial
- Oregon Administrative Rules Chapter 836
- ORS Chapter 813 — Driving Only