Maryland Property & Casualty Insurance License Practice Exam
130 questions (general + Maryland state sections), 70% on each section independently. No pre-licensing required (eliminated Oct 2024). No fingerprinting. Auto minimums 30/60/15 + PIP. Prometric ProProctor.
Maryland Property & Casualty — Study by Topic
Drill Maryland state law (~20 items, ~15% of exam) or practice general P&C concepts. 130 questions, 2.5 hrs. No-fault PIP state. FAIR Plan. MAIF.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance, FAIR Plan.
Casualty & Liability
Auto (PAP + PIP), CGL, WC, umbrella, bonds, commercial auto, professional liability, Maryland MAIF insurer of last resort.
Maryland State Law
MIA, Prometric, no pre-licensing, no fingerprinting, dual-section 70%, retake only failed section, 4-day wait, 30/60/15 + PIP, FAIR Plan, MAIF, 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 exam simulating the Prometric Maryland P&C exam. 2.5 hours. Both sections must score 70% independently. Auto 30/60/15 + PIP.
About the Maryland Property & Casualty Insurance License Exam
To get your Maryland Property & Casualty insurance license, you must pass the state licensing exam administered by Prometric with a passing score of 70% each section independently. Exam fee: $60. Maryland is regulated by the Maryland Insurance Administration (MIA) under Maryland Insurance Article. Visit insurance.maryland.gov for official licensing information. Dual-section 70% each independently; Prometric ProProctor available; no pre-licensing (eliminated Oct 2024); 25/50/20 auto; Maryland Automobile Insurance Fund (MAIF) — assigned risk; WC competitive; Commissioner appointed; 48-hr wait after passing.
Pre-licensing education in Maryland: None required (eliminated October 1, 2024). Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $69/line biennial. CE must be completed before submitting your Maryland renewal application. How to get licensed in Maryland: complete pre-licensing → submit background check/fingerprinting → pass Prometric exam → apply for Maryland producer license.
How to get a Maryland Property & Casualty insurance license in 2026: The Maryland Insurance Administration (MIA) (insurance.maryland.gov) administers all producer licensing in Maryland. Exam: Prometric, $60, 70% each section independently. Pre-licensing: None required (eliminated October 1, 2024). Once licensed, maintain your Maryland Property & Casualty license by completing 24 hours + 3 ethics biennial and paying the $69/line biennial renewal. For questions contact the Maryland Insurance Administration (MIA).
MIA (insurance.maryland.gov). Dual-section 70% each independently. Prometric ProProctor. 25/50/20 auto. Maryland Automobile Insurance Fund (MAIF) — assigned risk. No pre-licensing (eliminated Oct 2024). 48-hr post-exam wait. No CE carryover.
Frequently Asked Questions — Maryland P&C Exam
How do I get a Maryland Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Maryland: (1) Complete any required pre-licensing education (None required (eliminated October 1, 2024)); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Prometric exam ($60, 70% each section independently); (4) Apply for your Maryland producer license. The Maryland Insurance Administration (MIA) (insurance.maryland.gov) oversees all insurance producer licensing in Maryland.
What exam does Maryland use for Property & Casualty insurance licensing?
Maryland uses Prometric to administer the Property & Casualty insurance licensing exam. Fee: $60. Passing score: 70% each section independently. Dual-section 70% each independently; Prometric ProProctor available; no pre-licensing (eliminated Oct 2024); 25/50/20 auto; Maryland Automobile Insurance Fund (MAIF) — assigned risk; WC competitive; Commissioner appointed; 48-hr wait after passing.
Does Maryland require pre-licensing for Property & Casualty insurance?
None required (eliminated October 1, 2024). For official pre-licensing provider information, visit insurance.maryland.gov.
What are Maryland's CE requirements for Property & Casualty producers?
Maryland requires: 24 hours + 3 ethics biennial. Renewal fee: $69/line biennial. CE must be completed before submitting the renewal application. Contact the Maryland Insurance Administration (MIA) at insurance.maryland.gov for CE provider information.
What makes Maryland unique for Property & Casualty insurance licensing?
Dual-section 70% each independently; Prometric ProProctor available; no pre-licensing (eliminated Oct 2024); 25/50/20 auto; Maryland Automobile Insurance Fund (MAIF) — assigned risk; WC competitive; Commissioner appointed; 48-hr wait after passing.
Practice Exam Questions — Maryland Property & Casualty
5 state-specific questions drawn from the Maryland exam content outline. Correct answer highlighted in green.
Maryland auto insurance minimums are:
- 25/50/25
- 25/50/20 — at-fault state; UM/UIM required; PIP offered; Maryland Automobile Insurance Fund (MAIF) for assigned risk
- 30/60/25
- 15/30/10
The Maryland Automobile Insurance Fund (MAIF) is:
- A private insurer specializing in commercial auto
- The assigned risk pool providing auto insurance for Maryland drivers who cannot obtain voluntary market coverage; MAIF is a state-created entity
- A federal program under FMCSA
- A surplus lines pool for commercial auto
Maryland eliminated P&C pre-licensing on:
- January 1, 2020
- January 1, 2024
- October 1, 2024 — Maryland eliminated P&C pre-licensing effective October 1, 2024; candidates now schedule Prometric directly; ProProctor remote available
- Maryland still requires 20 hrs P&C pre-licensing
Maryland's dual-section P&C exam compared to Virginia's:
- Both states have single combined P&C scores
- Maryland: Prometric dual-section 70% each independently; no pre-licensing; ProProctor; $60 fee; 24 CE + 3 ethics; Virginia: PSI dual-section 70% each independently; no pre-licensing; 16 CE hrs biennial; SCC BOI; both dual-section independently
- Maryland uses PSI; Virginia uses Prometric
- Virginia eliminated pre-licensing in 2024; Maryland still requires it
Maryland's primary P&C statute is:
- Maryland Code, Business Regulation Article
- Maryland Insurance Article — covers P&C producer licensing, policy forms, rate regulation, and MAIF; MIA administers at insurance.maryland.gov; Commissioner appointed
- Maryland Administrative Code Title 31
- Maryland Code, Financial Institutions Article