Maryland Property & Casualty Exam Overview
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
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
Note: This guide covers ONLY Maryland state law. Complete the national Property & Casualty exam prep first for foundational insurance knowledge.
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?
0 hours - no requirement
20 hours
40 hours (20 Property + 20 Casualty)
60 hours
What are Maryland's minimum auto liability insurance requirements?
15/30/5
20/40/10
25/50/25
30/60/15
Which organization administers the Maryland P&C licensing exam?
PSI Services LLC
Pearson VUE
Prometric
Maryland Insurance Administration directly
How long must you wait between exam retakes in Maryland if you fail?
No waiting period
24 hours
4 days
30 days
What type of auto insurance state is Maryland?
No-Fault state with mandatory PIP
At-Fault (Tort) state
Choice No-Fault state
Add-On No-Fault state
What is the total exam fee for the Maryland P&C exam?
$50
$54
$60
$75
Sections you finish are checked off in the contents.