- The OR-PC Passing Score: The Numbers That Matter
- How PSI Calculates Your Score
- Scored Questions vs. Unscored Pretest Items
- Domain Weighting and What It Means for Your 105 Correct Answers
- What a 70% Really Looks Like on Test Day
- Registration, Fees, and What Happens If You Miss 70%
- Building a Study Plan Around the Passing Score
- Why Candidates Fall Short of 70%
- Frequently Asked Questions
- You need 70% correct on 150 scored questions - that's 105 correct answers minimum.
- PSI Services LLC may add 5 to 10 unscored experimental items that don't count toward your score.
- You have 160 minutes to answer everything, with no calculator or reference materials allowed.
- Property and Casualty Basics (14%) and Commercial General Liability (13%) carry the most point value.
The OR-PC Passing Score: The Numbers That Matter
The Oregon Property and Casualty Insurance Producer Exam, officially the Property and Casualty (Includes Law) Series 12-04 test administered by PSI Services LLC on behalf of the Oregon Division of Financial Regulation, requires a 70% scaled score to pass. With 150 scored multiple-choice questions on the exam, that threshold translates to a very specific, very concrete number: you need to answer at least 105 questions correctly.
That number is the entire game. Everything else - your prelicensing hours, your study schedule, your practice test scores - exists to get you comfortably past 105 out of 150. If you're still mapping out what the test actually covers before diving into the scoring mechanics, the OR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas is a useful companion piece to read alongside this one.
How PSI Calculates Your Score
PSI's computer-based delivery system scores the exam immediately after you submit it, and Oregon candidates typically see a pass/fail result at the test center or, for remote-proctored sessions, shortly after the appointment ends. The scoring model is straightforward compared to some other producer exams: there's no scaled-score curve to guess at, no domain-by-domain minimum you must separately clear. It's a single cut score applied to the total number of scored items answered correctly.
What trips people up isn't the math - it's the exam format itself. You get 160 minutes to work through 150 to 160 total questions (once you factor in unscored items), in a closed-book environment with no calculators or reference sheets. That's roughly a minute per question on average, which is generous for most candidates but leaves little room for guessing your way through unfamiliar policy language. If you want a full breakdown of how that time pressure compares to other licensing exams, How Hard Is the OR-PC Exam? Complete Difficulty Guide 2026 covers the difficulty question in depth.
Scored Questions vs. Unscored Pretest Items
Here's a detail that catches first-time candidates off guard: PSI may quietly insert 5 to 10 unscored experimental questions into your exam. These items are indistinguishable from the real, scored questions - same format, same multiple-choice structure, mixed in throughout the test. They're used to evaluate new content for future exam versions and do not count toward your 70% requirement.
Practically, this means your actual exam might present 155 to 160 total questions, but only 150 of them determine whether you clear the 105-correct threshold. There's no way to identify which questions are experimental, so the only sound strategy is to treat every single question - scored or not - as if it counts. Trying to "spot" pretest items wastes mental energy you need for the real content.
Key Takeaway
Never assume a question is unscored. Answer all 150-160 items with full effort; the extra 5-10 questions don't change your time budget enough to justify second-guessing them.
Domain Weighting and What It Means for Your 105 Correct Answers
The Oregon P&C exam blueprint spreads 150 scored questions across 13 content domains, each weighted by percentage. Because the passing score is a flat 70% across the whole test - not domain-by-domain - heavier domains carry more raw point value, and that's exactly where your study hours should concentrate.
| Domain | Weight | Approx. Scored Questions |
|---|---|---|
| Property and Casualty Basics | 14% | ~21 |
| Commercial General Liability | 13% | ~20 |
| Insurance Regulation | 11% | ~17 |
| General Insurance Concepts | 11% | ~17 |
| Homeowners Policy Concepts | 9% | ~14 |
| Personal Automobile Policy | 9% | ~14 |
| Commercial Package Policy (CPP) | 7% | ~11 |
| Dwelling Policy | 6% | ~9 |
| Businessowners Policy | 5% | ~8 |
| Workers Compensation Law | 5% | ~8 |
| Other Types of Property and Casualty Insurance | 5% | ~8 |
| Commercial Automobile Policy | 3% | ~5 |
| Federal Laws and Regulations | 2% | ~3 |
Notice that Property and Casualty Basics and Commercial General Liability together account for roughly 27% of the exam - nearly a third of your 105-question target. Mastering those two domains alone gets you close to a third of the way to passing before you've touched personal auto, dwelling, or workers compensation content.
Property and Casualty Basics (14% - the largest domain)
This domain covers foundational insurance principles that reappear throughout the test: insurable interest, indemnity, risk classification, policy structure, and underwriting basics. Because it's woven into how every other domain's policies are tested, weak fundamentals here quietly cost points across the entire exam.
- Policy provisions common to most P&C contracts
- Underwriting and rating fundamentals
- Legal concepts of insurance contracts
Commercial General Liability (13% - second-largest domain)
CGL questions test your ability to distinguish coverage forms, exclusions, and endorsements in commercial liability policies. This domain rewards candidates who can read policy language carefully rather than memorize generic definitions.
- Coverage A, B, and C distinctions
- Occurrence vs. claims-made triggers
- Common exclusions and endorsements
For a complete domain-by-domain study breakdown, including how the smaller domains like Federal Laws and Regulations (2%) and Commercial Automobile Policy (3%) still matter for a handful of guaranteed points, see the OR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
What a 70% Really Looks Like on Test Day
It helps to think of the 70% requirement not as an abstract percentage but as a running scorecard. If you imagine the exam in blocks of 15 questions, you need to average roughly 10.5 correct per block to stay on pace for 105 out of 150. That's not a target you check in real time - PSI's interface doesn't show you a live score - but it's a useful mental anchor while you build confidence during practice sessions.
Missing 45 or fewer questions still results in a pass. That margin matters psychologically: you don't need a flawless run through Dwelling Policy or Businessowners Policy content to succeed. You need broad, reliable competence across all 13 domains, with particular strength in the heavily weighted ones. This is also why cramming a single domain the night before rarely works - the exam is built to reward consistent coverage, not last-minute spikes in one topic.
Registration, Fees, and What Happens If You Miss 70%
Understanding the passing score also means understanding what's at stake financially each time you sit for the exam. The OR-PC exam costs $55 per attempt and is delivered as a closed-book, computer-based test through PSI, with both test-center and remote-proctored options available. This fee is separate from the $75 license application and fingerprinting requirement you'll handle once you actually pass and are ready to apply for your Oregon producer license.
Before you're even eligible to sit for the exam, resident candidates generally must be at least 18 and complete 20 hours of approved prelicensing education per line (or 40 hours if pursuing combined property and casualty), and that completion certificate is only valid for one year. Candidates holding a CPCU designation may qualify for a waiver of this requirement. If your 105-correct score doesn't materialize on your first attempt, you'll need to review the retake process, including scheduling windows through PSI - details covered in OR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
For a full accounting of every fee involved - exam cost, application cost, prelicensing course pricing, and continuing education - the OR-PC Certification Cost 2026: Complete Pricing Breakdown lays out the entire financial picture. And if you're still confirming you meet the baseline eligibility rules before registering, OR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify walks through age, education, and background-check requirements in detail.
Building a Study Plan Around the Passing Score
Because the passing score is a single flat 70% rather than domain minimums, the smartest use of study time is proportional to domain weight - heavier domains get more hours, lighter domains get focused review rather than deep dives. A simple weighted timeline built around the 150-question structure looks like this:
Foundations First
- Property and Casualty Basics (14% - largest domain)
- General Insurance Concepts (11%)
- Insurance Regulation (11%)
Commercial Lines Focus
- Commercial General Liability (13% - second-largest domain)
- Commercial Package Policy (7%)
- Businessowners Policy (5%)
Personal Lines and Property
- Homeowners Policy Concepts (9%)
- Personal Automobile Policy (9%)
- Dwelling Policy (6%)
Fill the Gaps and Simulate
- Workers Compensation Law (5%), Commercial Automobile Policy (3%), Federal Laws and Regulations (2%), Other Types of P&C Insurance (5%)
- Timed practice exams under the 160-minute limit
- Review missed questions by domain, not just overall score
This kind of structured approach - allocating study blocks by percentage weight rather than by personal preference - is one of the few "generic" study techniques worth borrowing here, precisely because it maps directly onto how the 105-question passing threshold is distributed. For a more detailed week-by-week plan, the OR-PC Study Guide 2026: How to Pass on Your First Attempt expands on this structure with additional detail on pacing and review cycles.
Why Candidates Fall Short of 70%
Most candidates who miss the 105-correct mark don't fail because they didn't study - they fail because their preparation didn't match how the exam actually tests. A few recurring patterns:
- Treating all domains equally. Spending the same number of hours on Federal Laws and Regulations (2%) as on Property and Casualty Basics (14%) misallocates limited study time relative to point value.
- Underestimating time pressure. With 160 minutes for up to 160 questions, slow readers on policy-language questions can run short before reaching the final domains.
- Skipping full-length timed practice. Practicing only in short bursts doesn't build the stamina needed for a 160-minute closed-book session with no reference materials.
- Ignoring the smaller domains entirely. Even at 2-5% weight, domains like Commercial Automobile Policy and Workers Compensation Law can supply several "easy" points if reviewed briefly - points that add up when you're trying to clear 105 out of 150.
Running full-length practice exams under real time constraints on the OR-PC practice test platform is one of the most reliable ways to see whether your score is trending above or below the 70% line before you commit to an official test date. Reviewing missed questions by domain - not just your overall percentage - also helps you see exactly where those missing points are hiding. If you want a broader look at how test outcomes trend for candidates overall, OR-PC Pass Rate 2026: What the Data Shows offers additional context, and a condensed reference of core facts is available in the OR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Key Takeaway
Score below 70% on practice tests taken via a full-length OR-PC practice exam? Revisit domain-by-domain results before your next attempt rather than simply retaking the same practice test.
Frequently Asked Questions
You need 70% correct on the 150 scored multiple-choice questions, which means answering at least 105 questions correctly. Unscored experimental items PSI may add don't count toward this total.
No. PSI may include 5 to 10 unscored experimental questions mixed into the exam, but only the 150 designated scored questions count toward your 70% requirement. You can't identify which questions are unscored, so answer every question carefully.
The 70% threshold applies to your total score across all 150 scored questions, not to each of the 13 domains individually. You could score lower in a small domain like Federal Laws and Regulations (2%) and still pass, as long as your overall total reaches 105 correct answers.
You get 160 minutes total for the closed-book computer exam, which covers 150 scored questions plus any unscored experimental items. No calculators or reference materials are allowed during the test.
Each exam attempt through PSI Services LLC costs $55. This is separate from the $75 license application fee and fingerprinting costs required once you pass and apply for your Oregon producer license.