Key Takeaways
- Maryland REQUIRES 40 hours of pre-licensing education (20 Property + 20 Casualty) with a 70% certification exam before scheduling the state exam
- Exams are administered by Prometric with remote proctoring available: Property (90 questions, 105 min), Casualty (90 questions, 105 min), or Combined P/C (130 questions, 150 min)
- The exam fee is $60 via Prometric and the license fee is $54 + $5.60 through NIPR (total cost approximately $308.60+)
- Maryland is an At-Fault (Tort) state with auto minimums of 30/60/15 - higher than most states
- A 4-day waiting period is required between exam retakes if you do not pass
- CE requirement is 24 hours every 2 years including 3 hours of ethics
Maryland Property & Casualty Exam Overview
Welcome to OpenExamPrep's FREE Maryland Property & Casualty Insurance exam prep guide. This comprehensive resource covers Maryland-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam in 2026.
About the Maryland P&C Exam
The Maryland Property & Casualty insurance examination is administered by Prometric on behalf of the Maryland Insurance Administration (MIA). The exam tests your knowledge of:
- Maryland Insurance Code and regulations
- Property insurance principles (homeowners, fire, commercial property)
- Casualty insurance principles (auto, liability, workers' compensation)
- Maryland Joint Insurance Association (FAIR Plan)
- Auto insurance requirements (30/60/15)
- Ethics and professional conduct
Exam Structure - Three Options Available
| Exam Type | Questions | Time Limit | Best For |
|---|---|---|---|
| Property Only | 90 | 105 minutes | Property-only license |
| Casualty Only | 90 | 105 minutes | Casualty-only license |
| Combined P/C | 130 | 150 minutes | Full P&C license (recommended) |
Exam Details
| Exam Component | Details |
|---|---|
| Testing Provider | Prometric |
| Regulatory Authority | Maryland Insurance Administration (MIA) |
| Passing Score | 70% or higher |
| Test Delivery | Testing centers OR Remote proctored (available!) |
| Results | Immediate |
| Registration | prometric.com/maryland/insurance |
| Exam Fee | $60 |
Great News: Maryland offers remote proctored exams through Prometric! You can take your P&C exam from home with a stable internet connection and webcam.
Exam Content Breakdown
The Maryland P&C exam covers both national concepts and Maryland-specific law:
| Content Area | Approximate % |
|---|---|
| Property Insurance Principles | 25-30% |
| Casualty Insurance Principles | 25-30% |
| Maryland Insurance Law | 20-25% |
| Policy Provisions & Contracts | 10-15% |
| Ethics & Professional Conduct | 10-15% |
Pre-Licensing Education Requirements - MANDATORY
Maryland REQUIRES pre-licensing education before you can schedule the state licensing exam. This is one of the states with mandatory education requirements.
Pre-Licensing Course Requirements
| Requirement | Details |
|---|---|
| Total Hours Required | 40 hours |
| Property Hours | 20 hours |
| Casualty Hours | 20 hours |
| Course Provider | MIA-approved education provider |
| Certification Exam | Must pass with 70% score |
| Certificate Validity | Required before scheduling state exam |
Pre-Licensing Process
- Enroll in 40-Hour Course - Select an MIA-approved pre-licensing education provider
- Complete 20 Hours Property - Property insurance principles and Maryland law
- Complete 20 Hours Casualty - Casualty insurance principles and Maryland law
- Pass Certification Exam - Score 70% or higher on course exam
- Receive Certificate - Course completion certificate required for state exam
- Schedule State Exam - Now eligible to register with Prometric
Important: You CANNOT schedule the Maryland state licensing exam until you have completed the 40-hour pre-licensing course AND passed the certification exam with 70% or higher.
Pre-Licensing Content Areas
Property Education (20 hours)
- Homeowners policies (HO-2, HO-3, HO-4, HO-6, HO-8)
- Dwelling policies (DP-1, DP-2, DP-3)
- Commercial property insurance
- Maryland property insurance laws
- Maryland Joint Insurance Association (FAIR Plan)
Casualty Education (20 hours)
- Auto insurance and Maryland 30/60/15 requirements
- General liability insurance
- Workers' compensation
- Commercial liability policies
- Maryland casualty insurance laws
Maryland Insurance Market Context
Why Maryland Is Unique
Maryland offers a diverse insurance market in the Mid-Atlantic region:
-
Geographic Diversity
- Chesapeake Bay coastal properties
- Atlantic Ocean beach communities
- Baltimore metropolitan area
- Washington D.C. suburbs
- Rural Western Maryland
-
Market Characteristics
- Strong regulatory environment
- File-and-use competitive rating
- High concentration of federal employees
- Diverse property values
- Significant commercial market
-
Natural Disaster Risks
- Hurricane exposure (Eastern Shore)
- Chesapeake Bay flooding
- Winter storms and ice
- Coastal storm surge
- Flash flooding
-
Auto Insurance Requirements
- Minimum liability: 30/60/15 (higher than most states)
- At-Fault (Tort) state
- UM/UIM coverage required
- Optional PIP available
Maryland Joint Insurance Association (FAIR Plan)
Maryland's FAIR Plan provides property insurance for high-risk properties:
| Feature | Details |
|---|---|
| Name | Maryland Joint Insurance Association (MJIA) |
| Purpose | Last-resort property coverage |
| Eligibility | Properties unable to obtain private coverage |
| Coverage Types | Basic property, fire, windstorm |
| Rates | Generally higher than voluntary market |
License Application Process
Step-by-Step Process
-
Complete 40-Hour Pre-Licensing Education
- Enroll with MIA-approved provider
- Complete 20 hours Property + 20 hours Casualty
- Pass certification exam with 70% score
- Obtain course completion certificate
-
Schedule and Pass State Exam
- Register with Prometric at prometric.com/maryland/insurance
- Pay $60 exam fee
- Choose testing center OR remote proctored exam
- Pass with 70%+ score
-
Submit License Application
- Apply through NIPR (National Insurance Producer Registry)
- Pay $54 application fee + $5.60 transaction fee
- Provide exam passing confirmation
- Provide pre-licensing certificate
-
Background Check
- Maryland Insurance Administration conducts background verification
- Criminal history review
- Previous insurance license history check
-
Receive License
- MIA reviews and processes application
- License issued upon approval
- Valid for 2 years
- Begin selling P&C insurance in Maryland
Exam Day Options
Option 1: Testing Center
- Prometric testing centers throughout Maryland
- Arrive 15-30 minutes early
- Two valid forms of ID required
- Personal items stored in lockers
Option 2: Remote Proctored (Available!)
- Take exam from home
- Requires webcam and stable internet
- Prometric OnVUE software required
- Room scan and identity verification
- Same exam as testing center
Exam Retake Policy
| Situation | Policy |
|---|---|
| Failed Exam | Must wait 4 days before retaking |
| Wait Period | 4-day mandatory waiting period |
| Fee | $60 per attempt |
| Attempts | No limit on total attempts |
| Strategy | Review score report to focus study |
Important: Maryland requires a 4-day waiting period between exam attempts. Use this time to review areas where you scored lowest.
Total Costs Summary
| Item | Cost |
|---|---|
| Pre-License Education (40 hrs) | $150-400 |
| Exam Fee (Prometric) | $60 |
| License Application Fee | $54 |
| NIPR Transaction Fee | $5.60 |
| TOTAL (Estimated) | $269.60-$519.60 |
Note: Maryland's total cost is approximately $308.60+ when including typical pre-licensing course fees.
License Maintenance
| Requirement | Details |
|---|---|
| License Term | 2 years |
| CE Hours | 24 hours every 2 years |
| Ethics Hours | 3 hours (included in 24) |
| Renewal Fee | $54 |
| Late Renewal | Additional penalty fees |
Continuing Education Requirements
Maryland P&C producers must complete:
- 24 total CE hours every 2-year licensing period
- 3 hours of ethics included in the 24 hours
- CE must be from MIA-approved providers
- Complete before license expiration
Maryland Auto Insurance Requirements - At-Fault State
Maryland is an At-Fault (Tort) state with some of the highest minimum liability requirements in the nation.
Minimum Liability Limits (30/60/15)
| Coverage | Minimum |
|---|---|
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage (per accident) | $15,000 |
Memory Tip: Maryland minimums are 30/60/15 - "Maryland's Minimums are Major" - all higher than the typical 25/50/25!
At-Fault State Implications
As an At-Fault (Tort) state:
- The at-fault driver is responsible for damages
- Injured parties can sue the at-fault driver
- No mandatory PIP (No-Fault) coverage
- Fault determination affects insurance claims
Required Coverage
| Coverage | Requirement |
|---|---|
| Liability (30/60/15) | REQUIRED |
| Uninsured Motorist (UM) | REQUIRED (30/60/15 minimum) |
| Underinsured Motorist (UIM) | REQUIRED |
| Personal Injury Protection (PIP) | OPTIONAL |
Optional PIP Coverage
While Maryland doesn't require PIP, insurers must offer it:
| PIP Feature | Details |
|---|---|
| Minimum Coverage | $2,500 |
| Requirement | Must be offered by insurer |
| Election | Insured may accept or reject |
| Coverage | Medical expenses regardless of fault |
Maryland Insurance Administration Contact
| Resource | Details |
|---|---|
| Website | insurance.maryland.gov |
| Consumer Hotline | 1-800-492-6116 |
| Baltimore Office | (410) 468-2000 |
| Producer Licensing | mia.producer@maryland.gov |
| Prometric Registration | prometric.com/maryland/insurance |
| NIPR Licensing Portal | nipr.com |
What This Guide Covers
This FREE study guide focuses on Maryland state-specific content for the P&C exam:
Chapter 1: Maryland Insurance Regulation & Licensing
- Maryland Insurance Administration (MIA) structure
- Insurance Commissioner appointment (by Governor)
- Producer licensing requirements and CE
- Maryland Insurance Code
- File-and-use rating system
Chapter 2: Maryland Property Insurance Laws
- Homeowners insurance requirements
- Maryland Joint Insurance Association (FAIR Plan)
- Coastal property considerations
- Flood insurance requirements
- Claims handling requirements
Chapter 3: Maryland Casualty Insurance Laws
- Auto insurance minimums (30/60/15)
- UM/UIM requirements
- Optional PIP coverage
- Workers' compensation requirements
- Liability insurance regulations
Chapter 4: Ethics & Consumer Protection
- Unfair trade practices
- Claims handling requirements
- Maryland Property and Casualty Insurance Guaranty Corporation
- Producer conduct standards
national Property & Casualty exam prepFree exam prep with practice questions & AI tutor
Study Tips for Success
Key Numbers to Memorize
| Topic | Number |
|---|---|
| Pre-license hours | 40 hours (REQUIRED) |
| Property education hours | 20 hours |
| Casualty education hours | 20 hours |
| Certification exam passing | 70% |
| Combined exam questions | 130 |
| Combined exam time | 150 minutes |
| Property/Casualty exam questions | 90 each |
| Property/Casualty exam time | 105 minutes each |
| State exam passing score | 70% |
| Exam fee | $60 |
| License application fee | $54 + $5.60 |
| Retake wait period | 4 days |
| License term | 2 years |
| CE hours per renewal | 24 |
| Ethics CE required | 3 hours |
| Auto minimum liability | 30/60/15 |
Maryland-Specific Laws to Know
- 40-Hour Pre-Licensing Required - Must pass certification exam
- At-Fault State - No mandatory PIP
- High Auto Minimums - 30/60/15 (higher than most states)
- Remote Testing Available - Prometric OnVUE
- 4-Day Retake Wait - Between failed attempts
- MJIA (FAIR Plan) - Last resort property coverage
Next Steps
Ready to begin? Here's your action plan:
- Enroll in 40-hour pre-licensing course - MIA-approved provider
- Complete property and casualty education - 20 hours each
- Pass certification exam - With 70%+ score
- Complete this FREE study guide - Read all 4 chapters
- Study national P&C concepts - See our Property & Casualty exam prep
- Take chapter quizzes - Test your knowledge
- Register with Prometric - Schedule your exam
- Pass state exam - With 70%+ score
- Apply for license - Through NIPR
Remember: Maryland requires pre-licensing education BEFORE you can schedule the state exam. Complete your 40 hours first!
Let's get started with Chapter 1: Maryland Insurance Regulation & Licensing!
How many hours of pre-licensing education does Maryland require before taking the P&C state exam?
What are Maryland's minimum auto liability insurance requirements?
Which organization administers the Maryland P&C licensing exam?
How long must you wait between exam retakes in Maryland if you fail?
What type of auto insurance state is Maryland?
What is the total exam fee for the Maryland P&C exam?