200+ Free MD Property & Casualty Practice Questions

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Which state agency primarily regulates insurance producers and insurers in Maryland?

Maryland Insurance Administration (MIA)

Maryland Department of Labor

Maryland Secretary of State

Maryland Office of the Attorney General

to track

2026 Statistics

Key Facts: MD Property & Casualty Exam

120 + 10

Scored + Unscored Questions

Prometric MD 2032 outline

150 min

Exam Time

Prometric MD 2032 outline

70%

Passing Score

Maryland producer exam standard

$62

Exam Fee

Maryland License Information Bulletin

Jan 1, 2025

Prelicense Requirement Removed

MIA Bulletin 24-19

Jan 30, 2026

Termination-For-Cause Reporting Update

MIA Bulletin 26-3

Prometric's Maryland content outline lists 120 scored questions plus 10 unscored questions in 150 minutes for the Property and Casualty Producer Combo exam. The Maryland License Information Bulletin lists the exam fee as $62, and Maryland producer exams use a 70% passing standard. Bulletin 24-19 removed Maryland's prelicense education requirement effective January 1, 2025, and Bulletin 26-3 (January 30, 2026) updated termination-for-cause appointment reporting through NIPR NTM.

Sample MD Property & Casualty Practice Questions

Try these sample questions to test your MD Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency primarily regulates insurance producers and insurers in Maryland?

A.Maryland Insurance Administration (MIA)

B.Maryland Department of Labor

C.Maryland Secretary of State

D.Maryland Office of the Attorney General

Explanation: The Maryland Insurance Administration is Maryland's insurance regulator. It oversees producer licensing, insurer compliance, and market conduct enforcement.

2Which testing vendor administers Maryland's Property and Casualty producer combo exam (code 2032)?

A.Prometric

B.PSI

C.Pearson VUE

D.Castle Worldwide

Explanation: Prometric administers Maryland insurance licensing exams, including the 2032 Property and Casualty combo. Candidates schedule and test through Prometric for this exam path.

3What is the exam code for Maryland's Property and Casualty Producer Combo exam?

A.2027

B.2030

C.2032

D.2053

Explanation: The Maryland Property and Casualty Producer Combo exam is code 2032 in the Prometric bulletin. Code recognition helps candidates register for the correct line of authority.

4How many total questions are delivered on Maryland's 2032 exam?

A.110

B.120

C.125

D.130

Explanation: Maryland's 2032 outline shows 130 delivered questions. That total includes both scored and unscored items presented in one exam session.

5How is the 2032 exam question count split between scored and unscored items?

A.130 scored, 0 unscored

B.120 scored, 10 unscored

C.115 scored, 15 unscored

D.110 scored, 20 unscored

Explanation: Prometric's Maryland outline lists 120 scored questions plus 10 unscored questions. Unscored items are mixed in and are not identified during testing.

6What is the time limit for Maryland's Property and Casualty Producer Combo exam?

A.120 minutes

B.135 minutes

C.150 minutes

D.180 minutes

Explanation: The exam time limit is 150 minutes, or 2.5 hours. Strong pacing matters because all 130 delivered questions must be completed in that single window.

7What exam fee is listed for Maryland exam code 2032 in the License Information Bulletin?

A.$45

B.$55

C.$62

D.$75

Explanation: The Maryland License Information Bulletin lists a $62 fee for code 2032. That is the testing fee and is separate from licensing application charges.

8Which statement reflects Maryland's producer prelicensing rule change effective January 1, 2025?

A.Prelicensing hours increased from 40 to 60

B.Prelicensing remained unchanged at 40 hours

C.Prelicensing was removed for producer licensing applicants

D.Prelicensing is required only for nonresident applicants

Explanation: Maryland removed the producer prelicensing education requirement effective January 1, 2025. Candidates can now qualify for testing without completing mandatory prelicensing hours first.

9What continuing education requirement generally applies to most Maryland producer license renewals?

A.12 hours every year, including 1 ethics hour

B.24 hours every renewal period, including 3 ethics hours

C.30 hours every 3 years, including 5 ethics hours

D.No CE is required after initial licensing

Explanation: Maryland generally requires 24 CE hours per renewal period, including 3 ethics hours, for most producer license types. Producers must satisfy CE to remain eligible for renewal and compliant status.

10What are Maryland's minimum auto liability limits for bodily injury and property damage?

A.$25,000/$50,000/$25,000

B.$30,000/$60,000/$15,000

C.$50,000/$100,000/$25,000

D.$20,000/$40,000/$10,000

Explanation: Maryland's minimum required liability limits are 30/60/15. That means $30,000 per injured person, $60,000 per accident for bodily injury, and $15,000 property damage.

About the MD Property & Casualty Exam

Maryland exam code 2032 (Series 20-32) combines national property/casualty content with Maryland regulation, including MIA licensing rules, MAIF, Maryland auto requirements, workers compensation law, and producer conduct obligations.

Questions

130 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$62 (Maryland Insurance Administration (MIA) / Prometric)

MD Property & Casualty Exam Content Outline

30%

Insurance Regulation

MIA authority, producer licensing, unfair practices, Maryland required provisions, auto law, and workers compensation laws

General Insurance Concepts

Risk management, contracts, agency authority, and insurer classifications

13%

Property & Casualty Basics

Policy structure, underwriting, valuation, deductibles, and common policy provisions

Dwelling Policy

DP forms, coverages, exclusions, conditions, and key endorsements

13%

Homeowners Policy

HO forms, Section I and II coverages, perils, conditions, and endorsements

Auto Insurance

Maryland auto liability rules, PIP, UM/UIM, PAP, and commercial auto foundations

13%

Commercial Package Policy

CGL, commercial property, inland marine, crime, and package policy construction

Businessowners Policy

BOP coverage basics, limitations, and common endorsements

Workers Compensation Insurance

WC policy structure, covered employees, employer duties, and premium basics

Other Coverages

Umbrella/excess, specialty liability, surplus lines, surety, marine, and flood concepts

How to Pass the MD Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 130 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $62

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

MD Property & Casualty Study Tips from Top Performers

1Build your study calendar from the official 2032 weighting so your time matches tested importance.

2Memorize Maryland-specific compliance points early: MIA regulation, license maintenance, and producer conduct restrictions.

3Drill Maryland auto law repeatedly, including compulsory liability concepts, PIP, UM/UIM handling, and MAIF's role.

4Use timed blocks to simulate 150-minute pacing and review every missed explanation by topic tag.

5Treat ethics and unfair-practice questions as high-yield points by mastering prohibited producer behaviors and claims-handling standards.

Frequently Asked Questions

How many questions are on the Maryland Property and Casualty exam?

Maryland's official 2032 outline lists 120 scored questions plus 10 unscored questions. You should pace for all 130 delivered questions because unscored items are mixed in and not identified.

How much time do you get for the Maryland P&C exam?

The Maryland Property and Casualty Producer Combo exam time limit is 150 minutes (2.5 hours). Time pressure is manageable if you practice timed mixed sets before test day.

What is the current Maryland exam fee?

Prometric's Maryland License Information Bulletin lists the Property and Casualty Producer Combo exam fee at $62. That exam fee is separate from post-exam licensing application costs.

Does Maryland still require prelicensing education before taking the exam?

No. MIA Bulletin 24-19 states that the producer prelicense education requirement ended effective January 1, 2025. Candidates can self-study and test, then apply for the license through NIPR after passing and meeting other requirements.

What Maryland-specific topics should I prioritize?

Prioritize MIA licensing rules, Maryland auto insurance requirements (including liability/PIP/UM-UIM concepts), MAIF, workers compensation obligations, unfair trade practices, and Maryland producer fiduciary duties. These state-law areas are heavily represented in the regulation domain.