Maryland Property & Casualty Insurance License Practice Exam
120 scored questions (combined Property and Casualty exam), 2.5 hours, 70% to pass. No pre-licensing required since Oct 1, 2024. Auto minimums 30/60/15 with $2,500 PIP. Prometric test center or ProProctor.
Maryland Property & Casualty — Study by Topic
Drill Maryland insurance law (Insurance Regulation is 30% of the exam) or practice general P&C concepts. Auto minimums 30/60/15 with $2,500 PIP.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, residual markets.
Casualty & Liability
Auto (PAP + PIP), CGL, WC, umbrella, bonds, commercial auto, professional liability, PIP and uninsured motorist coverage.
Maryland State Law
MIA, Prometric exam, no pre-licensing since Oct 1, 2024, 70% to pass, 4-day retake wait, 30/60/15 auto minimums, $2,500 PIP, surplus lines.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel.
🌟 Full MD P&C Exam
130-question timed practice exam modeled on the Prometric Maryland Property and Casualty combined exam (120 scored questions, 2.5 hours). 70% to pass.
About the Maryland Property & Casualty Insurance Exam
The Maryland insurance producer exams are administered by Prometric for the Maryland Insurance Administration (MIA). Maryland licenses producers by line, and property and casualty can be tested on separate exams (Property, Series 20-31, and Casualty, Series 20-26) or on the Property and Casualty Producer combined exam (Series 20-32). Since October 1, 2024, Maryland no longer requires a Commissioner-approved program of study or work experience before the exam (Chapters 873 and 874 of 2024; MIA Bulletin 24-19). Each exam costs $62, and the initial license fee is $54.
The combined exam has 120 scored questions plus 10 unscored questions and a 2.5-hour time limit, and a passing score is 70% or higher (Prometric exam FAQ). Insurance Regulation is 30% of the outline (36 of 120 items), including Maryland laws, required provisions, Maryland auto insurance policy rules, and workers' compensation laws.
Maryland Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| MD — Insurance Regulation | 36 (30%) | Licensing, state and federal regulation, Maryland laws and required provisions, Maryland auto insurance policy rules, workers compensation laws |
| General Insurance | 8 (7%) | Risk management concepts, types of insurers, producer agency relationships, contract law |
| Property and Casualty Insurance Basics | 15 (13%) | Underwriting and rating principles, hazards and perils, loss valuation, policy structure, common policy provisions |
| Dwelling Policy | 10 (8%) | Coverage forms, property coverages, exclusions, conditions, endorsements, including Maryland provisions |
| Homeowners Policy | 15 (13%) | HO-2 through HO-6 forms, Section I property and Section II liability coverages, additional coverages, exclusions, endorsements |
| Auto Insurance | 10 (8%) | The Maryland personal auto policy, the personal auto policy form, commercial auto forms |
| Commercial Package Policy (CPP) | 15 (13%) | Commercial general liability, commercial property, inland marine, boiler and machinery, farm coverage, commercial crime |
| Businessowners Policy | 1 (1%) | Property and liability sections, common conditions, selected endorsements |
| Workers Compensation Insurance | 4 (3%) | General requirements, policy structure, premium computation, other sources of coverage |
| Other Coverages and Options | 6 (5%) | Umbrella/excess, specialty liability, surplus lines, surety bonds, aviation, ocean marine, National Flood Insurance Program, residual markets |
Counts and weights are from Prometric's Maryland Property and Casualty Producer Combo outline (Series 20-32, dated 9/21/21), which lists 120 scored and 10 unscored questions. The listed weights add to 101% because of rounding in the source. The outline does not split items between general and Maryland-specific content.
What Makes the Maryland Property & Casualty Exam Different
Pre-licensing was repealed in 2024. Chapters 873 and 874 of 2024 (SB 336 and HB 265) amended Insurance Article Sections 10-104 and 10-105 to remove the education and experience requirements for producers who must pass an exam, effective October 1, 2024. The exam requirement remains (Section 10-104). MIA Bulletin 24-19 confirms applicants no longer need a state-approved study program.
Minimum auto liability is 30/60/15. Maryland requires $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage (Transportation Article Section 17-103(b)). MIA also lists matching uninsured and underinsured motorist bodily injury coverage, $15,000 of uninsured motorist property damage coverage, and $2,500 of personal injury protection (PIP).
PIP is offered with options. Insurance Article Section 19-505 provides PIP benefits with a minimum of $2,500. A Limited PIP waiver under Section 19-506 can apply only to the named insured, listed drivers, and resident family members aged 16 or older, in 10-point boldface type. Section 19-506.1 allows rejection of PIP only for qualified applicants whose liability limits are at the statutory minimum and who had prior non-MAIF insurance that the insurer canceled.
Combined or separate exams. The combined Property and Casualty exam (20-32) has 120 scored questions in 2.5 hours. The separate Property (20-31) and Casualty (20-26) exams each have 80 scored questions in 1 hour 45 minutes. Each exam costs $62, and a failed exam can be retaken after four days.
Renewal and continuing education. Individual licenses are biennial and expire on the last day of the producer's birth month. A renewal costs $69 ($54 plus a $15 fraud prevention fee). Producers need 24 CE hours, which for P&C means 21 P/C hours plus 3 ethics hours, with 2 hours in a course designated Flood counted within the P/C hours for producers who sell flood insurance. Carryover is not permitted.
Sample Maryland Property & Casualty Insurance Exam Questions
1. Under Transportation Article Section 17-103(b), what are the minimum liability limits Maryland requires on a private passenger motor vehicle?
2. What is the minimum amount of Personal Injury Protection (PIP) coverage under Maryland Insurance Article Section 19-505?
3. Under Maryland Insurance Article Section 19-506, a Limited PIP waiver may apply only to which people?
Study Tips for the Maryland Property & Casualty Exam
Insurance Regulation is 36 of 120 scored items. It is the largest section and includes Maryland required provisions, the Maryland personal auto policy, and workers compensation law, so study Maryland law before general policy forms.
Memorize the auto numbers: 30/60/15 liability, matching UM/UIM bodily injury, $15,000 UM property damage, and $2,500 PIP. Know how Limited PIP waivers and PIP rejection differ (Insurance Article Sections 19-506 and 19-506.1).
You need 70% of the scored questions, which is 84 of 120 on the combined exam. The outline adds 10 unscored questions you cannot identify, so treat every question as scored and pace yourself at about 69 seconds per item.
Licensing in a nearby state? See the Virginia property and casualty practice exam. General exam help is in our insurance exam study guide.
How to Get Your Maryland Property & Casualty Insurance License
There are four steps to get your Maryland property and casualty insurance license.
Steps to Get Your Maryland Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | None is required since October 1, 2024. Prepare with Prometric's Maryland exam content outline for Series 20-32 (or 20-31 and 20-26). |
| 2. Licensing Exam | Create a Prometric profile with your correct date of birth and SSN, then schedule at a test center or with remote proctoring. Pay the $62 fee and score 70% or higher. |
| 3. Apply for the License | Submit the NAIC Uniform Individual Application through NIPR (or on paper) with the $54 fee to the Maryland Insurance Administration. Complete applications are typically verified in 1 to 7 business days. |
| 4. Maintain Your License | Renew every two years by the last day of your birth month. Complete 24 CE hours, including 21 property and casualty hours and 3 ethics hours, and pay the $69 renewal. |
Maryland Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (Insurance Article Section 10-104) |
| License type | Producer; lines Property and Casualty |
| Pre-license education | None since October 1, 2024 |
| Exam | Combined 20-32: 120 scored + 10 unscored. Property 20-31 and Casualty 20-26: 80 scored + 10 unscored each |
| Time limit | 2.5 hours (combined); 1 hour 45 minutes (separate exams) |
| Passing score | 70% or higher |
| Exam fee | $62 per exam (nonrefundable) |
| Retake wait | 4 days after a failed exam |
| Minimum auto coverage | $30,000 / $60,000 / $15,000 liability, matching UM/UIM, $15,000 UM property damage, $2,500 PIP |
| License fee | $54 initial (Insurance Article Section 2-112); $69 renewal including a $15 fraud prevention fee |
| License term | Two years; expires the last day of the producer's birth month |
| Continuing education | 24 hours per period: 21 P/C plus 3 ethics (2 flood hours within P/C for producers who sell flood); no carryover |
| Exam provider | Prometric |
| Licensing authority | Maryland Insurance Administration |
Verified against the MIA producer licensing page and Bulletin 24-19, Prometric's License Information Bulletin, exam FAQ and Series 20-32, 20-31 and 20-26 outlines, MIA's CE credit requirements and PIP notice, MVA and MIA auto insurance pages, and the text of Chapters 873 and 874 of 2024. Confirm current fees with MIA before you apply.
Our free Maryland property and casualty practice exam covers property, casualty, concepts, and Maryland law. You can also try the Maryland life and health practice exam or the insurance exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Maryland Property & Casualty Insurance Exam
How many questions are on the Maryland property and casualty exam?
The combined Property and Casualty exam (Series 20-32) has 120 scored questions plus 10 unscored questions, with a 2.5-hour time limit. The separate Property and Casualty exams each have 80 scored questions plus 10 unscored, in 1 hour 45 minutes.
What is the passing score for the Maryland insurance exam?
Prometric's exam FAQ states that you must receive a 70% or higher to pass.
Who administers the Maryland insurance exam?
Prometric administers the exam for the Maryland Insurance Administration. You can test at a Prometric center or by remote proctoring (ProProctor), and you schedule in your Prometric account or by phone at 800-610-1174.
Does Maryland require pre-licensing for property and casualty?
No. Effective October 1, 2024, producer applicants who must pass an exam no longer need a Commissioner-approved program of study or experience (MIA Bulletin 24-19). The exam is still required.
What are Maryland's minimum auto insurance limits?
Maryland requires liability of $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage, plus matching uninsured and underinsured motorist bodily injury coverage, $15,000 of uninsured motorist property damage, and $2,500 of PIP, according to MIA.
Can PIP be waived in Maryland?
A Limited PIP waiver (Insurance Article Section 19-506) can apply to the named insured, listed drivers, and resident family members aged 16 or older. Full rejection of PIP under Section 19-506.1 is allowed only for qualified applicants.
How much does the Maryland insurance exam cost?
Every Maryland resident producer exam is $62 and is not refundable or transferable. The initial license fee is $54 under Insurance Article Section 2-112.
What are Maryland's continuing education requirements for P&C?
Producers need 24 hours per two-year renewal period, which for property and casualty is 21 P/C hours plus 3 ethics hours, with 2 hours in a course designated Flood counted within the P/C hours for producers who sell flood insurance. Carryover hours are not permitted.