PassProfessor’s Maryland program is part of the expanding PassProfessor catalog. The 9,924-question Maryland practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Maryland P&C exam, in one paragraph
The Maryland Property and Casualty Producer – Combo exam (Prometric exam 2032, Series 20-32) is the licensing exam for Maryland’s combined property and casualty producer authority, administered by Prometric for the Maryland Insurance Administration (MIA). You will see 130 multiple-choice questions in 2.5 hours: 120 are scored and 10 are unscored pretest questions you cannot identify. You pass with a score of 70%. Since October 1, 2024, Maryland requires no pre-licensing education for this license, so the exam is the whole gate: pass it, submit the NAIC Uniform Individual Application with the $54 fee, and the MIA decides your license.
Who can take the Maryland P&C exam?
Maryland’s qualifications for a producer license for insurance other than life, health, and annuities are set in Insurance Article §10-104. To qualify, an individual applicant must:
- Be at least 18 years old.
- Be of good character and trustworthy, judged against the standards in Insurance Article §10-126.
- Not have committed an act the Commissioner finds would warrant denial of a license under §10-126 — the section that also governs probation, suspension, revocation, and refusal to issue or renew, and that the exam’s licensing subsection tests directly.
- Pass the licensing examination for the line requested — resident individual applicants requesting a major line of authority must pass the Maryland exam for that line.
And the requirement that is not on the list anymore:
- No pre-licensing education, and no experience prerequisite. Until 2024, Maryland required an approved program of study before the exam. Chapter 874/873 of the 2024 laws (House Bill 0265 / Senate Bill 0336) repealed the education and experience requirements for producer applicants who must pass an examination, and MIA Bulletin 24-19 put the repeal into effect on October 1, 2024. Prometric stopped accepting pre-licensing provider and course applications on August 1, 2024, the approved-provider rosters went inactive on September 30, 2024, and neither the MIA nor Prometric publishes a list of approved pre-licensing courses for exam applicants anymore. Study materials are now entirely the candidate’s choice — the MIA’s own producer page tells applicants they may find their own examination preparation course or materials. If a website, catalog, or older MIA page still tells you a state-approved course is mandatory before you may sit for this exam, it is describing the pre-October-2024 rules.
Two related points worth knowing before you book:
- Separate exams exist. Maryland also offers a Property Producer exam (2031) and a Casualty Producer exam (2026) for candidates who want one line only, and the combo is published in Spanish as exam 2052 (Property and Casualty Producer – Combo). Most new producers take 2032 once and hold both lines.
- Nonresidents play by different rules. Nonresident licenses are issued on a reciprocal basis when the applicant is licensed and in good standing in their home state and that state treats Maryland residents the same way. The exam in this guide is the resident path.
The exam, piece by piece
Exam 2032 is a single combined sitting built from Prometric’s published content outline for the Property and Casualty Producer – Combo (Series 20-32). The outline assigns every one of the 120 scored questions to one of ten sections:
| Section | Weight | Scored questions | What it covers |
|---|---|---|---|
| 1.0 Insurance Regulation | 30% | 36 | Licensing; state and federal regulation; Maryland laws, regulations and required provisions; the Maryland auto insurance policy; workers’ compensation laws |
| 2.0 General Insurance | 7% | 8 | Concepts, insurers, producers and agency, contracts |
| 3.0 Property and Casualty Insurance Basics | 13% | 15 | Principles and concepts, policy structure, common policy provisions |
| 4.0 Dwelling Policy | 8% | 10 | DP forms, property coverages, exclusions, conditions, endorsements, Maryland special provisions |
| 5.0 Homeowners Policy | 13% | 15 | HO forms, Section I and II coverages, perils, exclusions, conditions, Maryland endorsements |
| 6.0 Auto Insurance | 8% | 10 | The Maryland auto policy, personal auto, commercial auto |
| 7.0 Commercial Package Policy | 13% | 15 | CGL, commercial property, inland marine, equipment breakdown, farm, commercial crime |
| 8.0 Businessowners Policy | 1% | 1 | BOP property and liability sections, common conditions, endorsements |
| 9.0 Workers Compensation Insurance | 3% | 4 | The workers’ compensation and employers liability policy, premium computation, other sources of coverage |
| 10.0 Other Coverages and Options | 5% | 6 | Umbrella/excess, specialty liability, surplus lines, surety bonds, aviation, ocean marine, flood, residual markets |
| Total scored | 100% | 120 | Plus 10 unscored pretest questions = 130 on screen |
Three structural facts that shape how you should prepare:
- Regulation is the exam. At 36 of 120 scored questions, section 1.0 outweighs the next-largest sections by more than two to one — and it is overwhelmingly Maryland material. Its six subsections are 1.1 Licensing (the §10-104/§10-116/§10-126 framework: qualifications, fees and application, exemptions, license types, maintenance, discipline, fraud), 1.2 State regulation (the Commissioner’s duties and powers, insurer regulation, cancellation and nonrenewal, producer regulation, fiduciary responsibilities, unfair and deceptive practices, insurance fraud), 1.3 Federal regulation (the Fair Credit Reporting Act; fraud and false statements, including the federal 1033 waiver), 1.4 Maryland laws, regulations and required provisions (the Property and Casualty Insurance Guaranty Corporation, surplus lines, required homeowners coverage and water-backup provisions, lead liability, the Maryland Insurers Insolvency Fund, the Joint Insurance Association, flood insurance), 1.5 the Maryland auto insurance policy (below), and 1.6 Workers compensation laws (below).
- Maryland content leaks into the “national” sections, too. The dwelling and homeowners sections each end with Maryland special provisions and Maryland endorsements — tenants relocation expense, lead poisoning exclusion and coverage for lead poisoning among them — and the auto section opens with the Maryland auto insurance policy before it reaches the standard personal and commercial auto material. A purely national study plan underprepares more than the 36 regulation questions.
- The policy forms still carry the majority. Sections 3.0 through 10.0 hold 76 of the 120 questions. Homeowners, the commercial package policy, and the basics section are 15 questions each; dwelling and auto are 10 each. Regulation decides whether Maryland candidates pass, but forms decide by how much.
Inside 1.5 — the Maryland auto insurance policy. This subsection tests Maryland’s compulsory auto scheme: the state-required limits of liability, uninsured and underinsured motorist coverage, personal injury protection (PIP) — its benefits, waivers, and exclusions — damage to someone else’s property, coverage for damage to your own auto (collision, limited collision, comprehensive, deductibles, substitute transportation, towing and labor), duties after an accident, Maryland endorsements, and the Maryland Automobile Insurance Fund (MAIF). MAIF is Maryland’s insurer of last resort — the state-created fund that provides auto insurance to eligible Maryland residents who cannot obtain it in the private market — and the outline cites the Insurance Article provisions that create and govern it. No other state has MAIF; it is exactly the kind of institution that only Maryland preparation covers.
Inside 1.6 and 9.0 — workers’ compensation, twice. Maryland workers’ compensation law appears in the regulation section (types of laws, the Maryland Workers’ Compensation Act, employer’s liability, covered employees, the exclusive remedy, covered injuries and occupational disease, benefits, the subsequent injury fund, subrogation, and the federal acts — FELA, the Longshore Act, the Jones Act) and again as its own policy section (the workers’ compensation and employers liability policy, Parts One through Six, premium computation, assigned risk and self-insurance, and the Maryland Workers’ Compensation Trust Fund). Together they are worth more questions than the percentages suggest at a glance, because the regulation subsection sits inside the 36-question block.
Pretest questions. The 10 pretest items are tryout questions Prometric is evaluating for future exams. They are indistinguishable from scored questions, they do not affect your result, and there is no way to game them — the only correct strategy is to treat every question as scored.
The passing standard, explained
You pass with a score of 70%.
Your result is immediate in the practical sense: when you complete the exam, your score is shown on screen, and Prometric emails your score report. There is no waiting period for results and no second scoring step to plan around.
Two consequences follow from how this exam is built:
- There is one combined result. Unlike states that run property and casualty as separate sittings with separate pass/fail outcomes, exam 2032 produces a single score across all ten sections. A strong regulation performance can carry a weaker forms section — and a neglected regulation section can sink an otherwise strong candidate, because 36 questions is too large a block to offset.
- Study to a margin, not to the line. A 70% standard on a 120-question scored exam, with 10 unidentified pretest questions in the room, rewards candidates whose full-length practice scores sit comfortably above the standard with no section left weak. The score report after a failed attempt is the starting point for a retake plan — rebuild around the sections that cost you rather than re-reading the sections that didn’t.
The MIA and Prometric do not publish a pass rate for this exam in the candidate materials — no official rate appears in the content outline or on the MIA’s producer pages — so treat any pass-rate figure you find on a course website as that site’s own claim, not a Maryland statistic.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and only one of them is certain enough to print here.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee | Set by Prometric — confirm the current amount in the Maryland License Information Bulletin or at scheduling | Prometric | When you schedule your appointment |
| License application | $54 | Maryland Insurance Administration (via NIPR online) | After you pass |
Why no exam-fee figure? Because the figures published about this exam conflict — different course and aggregator sites list different amounts, and the current License Information Bulletin, which is the controlling source, could not be verified for this guide. Printing a wrong fee would send candidates to the test center with wrong expectations; the bulletin and the scheduling screen are the authority. The $54 application fee, by contrast, is stated on the MIA’s own producer page and in Insurance Article §2-112, and NIPR confirms the same figure. NIPR adds its own transaction fee to online applications; MIA license fees are non-refundable and non-transferable, whether an application is approved, denied, cancelled, or withdrawn.
The sequence, in order:
- Create your Prometric profile. All candidates must create a profile before scheduling. Enter your date of birth and Social Security number exactly and accurately — Prometric warns that inaccurate information can leave you unable to apply for your license after you pass. The email on the profile receives your appointment confirmation and reminders. (Candidates who tested with Prometric before October 1, 2024 should note that earlier history will not appear in a new profile.)
- Schedule exam 2032. Logged in, your available exams appear under “Ready to Schedule.” Choose the delivery mode — test center or remotely proctored — and book. You can also schedule, reschedule, or cancel by phone at 1-800-610-1174 (8 a.m.–9 p.m. Eastern, Monday–Friday; 8 a.m.–5 p.m. Saturday and Sunday). The Spanish-language combo is exam 2052.
- Prepare against the outline. Prometric hosts the content outlines, in English and Spanish, on its Maryland Insurance Administration page. Since October 2024 there is no approved-provider list and no required course; the outline is the syllabus, and how you prepare is your choice.
- Take the exam. You will see 130 questions with 2.5 hours to answer them. Your score appears on screen when you finish, and your score report is emailed to you.
- Apply for the license — after passing. Submit the NAIC Uniform Individual Application with the $54 fee, online through NIPR (www.nipr.com) or by paper application to the Maryland Insurance Administration, Attn: Producer Licensing, 200 Saint Paul Place, Suite 2700, Baltimore, MD 21202. NIPR verifies your exam result before allowing the application to be submitted. If you already hold an active Maryland producer license and are adding this line, do not file a new application — check your license in 2–3 business days after passing to confirm the line was added.
- Answer the background questions like they matter — they do. If you answer “yes” to any background question, supporting documents go through NIPR’s Attachments Warehouse. The MIA’s warning is blunt: the applicant is ultimately responsible for the application’s contents; an application that fails to disclose or provides inaccurate information may be delayed or denied, and a license issued on a false application may be revoked, with monetary penalties possible. If in doubt, disclose.
- Get appointed before you sell. A license lets you hold the authority; as the MIA puts it, each individual who solicits, negotiates, or accepts insurance business must be licensed in that line and, if applicable, hold an appointment from an insurer. Appointment follows licensure and is arranged with each carrier you will represent.
Processing reality. The MIA states that complete applications are in most cases verified in 1–7 business days, with a final determination processed in 7–10 business days; incomplete applications may be delayed, rejected, or denied, and applications left incomplete for over 120 days may be rejected. Maryland does not mail license copies — once you have your license number, you print your license through the state’s online lookup.
A note on fingerprints. Some states route producer applicants through a fingerprint vendor before or after the exam. Maryland’s published producer requirements — the MIA’s producer page and NIPR’s Maryland resident page — list the exam, the application, the $54 fee, and background-question documentation, and do not publish a separate fingerprint appointment step for producers. Follow the instructions on your application and in the current License Information Bulletin; if either directs you to be fingerprinted, that instruction controls over any general guide, including this one.
After you pass
- Your license term. Individual producer licenses are issued on a biennial basis and expire on the last day of your birth month; business entity licenses expire two years after issuance.
- Renewal. The renewal fee is $69 — the $54 renewal fee plus a $15 fraud prevention fee. Renewal requires continuing education under Maryland’s CE rules (Prometric is the MIA’s vendor for continuing education services; transcripts and course lookups run through Sircon). For up to one year after expiration, an expired license may be reinstated with the renewal and fraud fees, proof of CE completion, and a $100 reinstatement fee; after one year, you re-apply as an initial applicant and complete all initial requirements.
- Apply promptly. Do not sit on a passing score. This guide does not print a specific application-window figure because the current bulletin could not be verified for it (see §10) — the safe course is to file your application as soon as your result posts and to confirm the controlling deadline in the License Information Bulletin. The MIA’s 7–10 business day determination clock only starts once a complete application is in.
Retakes and score validity
- The four-day rule is Maryland law. Insurance Article §10-108(f) provides that an individual who fails an examination may not take another examination until at least 4 days after the date of the failed examination. That is a statutory floor, not a scheduling suggestion.
- Each attempt is a new appointment and a new exam fee, paid to Prometric when you schedule.
- Use the interval. Four days is enough time to rebuild one weak section from your score report and your practice data — it is not enough time to re-learn the exam. Candidates who retake with the same preparation usually get the same result; candidates who retake against a section-level plan are the ones the retake rule actually serves.
- Score validity. The MIA’s current producer pages do not publish how long a passing score remains usable for an application, and the figures in older Maryland materials come from the pre-2024 licensing regime and the state’s previous vendor era, so this guide prints no number. Apply promptly after passing, and confirm the window in the current License Information Bulletin before you rely on any delay.
Test day
- Know your delivery mode. Test-center and remotely proctored sittings run under different check-in, identification, and environment rules. The License Information Bulletin is the authority for both — read the section for the mode you booked before your appointment, not the morning of it.
- Your profile is your identity. The name and demographic information on your Prometric profile must be accurate; corrections after scheduling or testing go through Prometric at 1-800-610-1174. An identity mismatch is the most preventable way to lose an exam day.
- Pace for 130, not 120. You have 150 minutes for everything on screen, including the 10 pretest items you cannot identify. That is roughly a minute and nine seconds per question. Flag-and-return discipline matters: a hard question costs the same time whether you answer it now or after the ones you know.
- Results are immediate. Your score is displayed when you complete the exam and your score report is emailed to you. If you passed, your next step is the application in §5 — the determination clock runs from a complete application, so start it the same week.
How to study for this exam
The outline is the syllabus — Prometric publishes exactly what the exam covers, section by section, and the weights above are question counts, not suggestions. A plan built on that structure:
- Start with section 1.0, and treat it as three subjects. Licensing and state regulation (1.1–1.2) reward learning the framework: who needs a license, what the Commissioner can do, how discipline and unfair practices work, what fiduciary duty means for premium funds. Maryland laws and required provisions (1.4) reward learning the institutions: the Guaranty Corporation, the Joint Insurance Association, surplus lines, lead liability. The Maryland auto policy and workers’ compensation laws (1.5–1.6) reward learning the numbers and named programs: required limits, PIP, UM/UIM, MAIF eligibility, the Workers’ Compensation Act. Thirty-six questions is too big a block to cram as one subject.
- Learn MAIF properly. The Maryland Automobile Insurance Fund exists because Maryland compels auto insurance — drivers who cannot buy coverage in the private market still need a lawful way to be insured. Understand who MAIF serves, who is eligible, and how it differs from a voluntary-market policy. It is tested, it is uniquely Maryland, and no national textbook will teach it to you.
- Give the 15-question sections their combined weight. Basics, homeowners, and the commercial package policy are 45 of the remaining 84 questions. Learn the forms comparatively: what each covers, what it excludes, and how it pays — and do not skip the Maryland endorsements and special provisions tucked into the dwelling and homeowners sections.
- Do not starve the small sections. Businessowners is a single scored question and workers’ compensation insurance is four — but workers’ compensation law also lives inside section 1.0, so the subject’s real footprint is larger than section 9.0 suggests. Small sections are cheap points precisely because most candidates ignore them.
- Practice at full length, against the clock. 130 questions in 150 minutes is a pacing skill separate from knowledge. Full generated practice exams at the real weights build both; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
- Schedule the exam when your simulations say so — consistently comfortable full-exam practice scores, with the regulation section no longer your weakest block.
This program’s Maryland practice bank (9,924 questions, including 2,430 on Maryland law, regulation, licensing, Maryland auto, and workers’ compensation) is built on this same outline. The Maryland Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Maryland P&C exam?
130 questions appear on screen in 2.5 hours. 120 are scored across the outline’s ten sections, and 10 are unscored pretest questions mixed in so candidates cannot tell them apart.
What is the passing score for the Maryland insurance exam?
70%. Your score is shown on screen when you finish, and Prometric emails your score report.
Does Maryland require pre-licensing education for a P&C license?
No. Maryland repealed the pre-licensing education and experience requirements for producer applicants who must pass an exam, effective October 1, 2024 (MIA Bulletin 24-19, under Chapter 874/873 of the 2024 laws). There is no approved course to complete and no provider list anymore — preparation is your choice. Pages still describing a mandatory approved course are out of date.
How much does the Maryland P&C exam cost?
Prometric collects an exam fee when you schedule; confirm the current amount in the Maryland License Information Bulletin or during scheduling — third-party sites publish conflicting figures, and the bulletin is the controlling source. Separately, after you pass, the license application fee is $54, paid with your application (plus NIPR’s transaction fee if you apply online).
How do I register for the Maryland insurance exam?
Create a profile on Prometric’s Maryland Insurance Administration page, then schedule exam 2032 from the “Ready to Schedule” list, choosing a test center or remote proctoring. You can also schedule by phone at 1-800-610-1174.
Can I take the Maryland insurance exam online?
Yes. Prometric offers this exam both at test centers and by remote proctoring; you choose the delivery mode when you schedule. Each mode has its own check-in and environment rules in the License Information Bulletin.
What happens after I pass the Maryland P&C exam?
Apply for your license through NIPR with the NAIC Uniform Individual Application and the $54 fee. NIPR verifies your exam result first. Complete applications are generally verified in 1–7 business days with a final determination in 7–10. Then obtain an appointment from each insurer you will represent before soliciting its business.
How long is my Maryland exam score valid?
The MIA’s current producer pages do not publish a validity window, and older figures in circulation come from the pre-2024 regime. Apply promptly after passing and confirm the controlling window in the current License Information Bulletin rather than relying on any secondary source — including this guide.
If I fail, how soon can I retake the Maryland exam?
Maryland law (Insurance Article §10-108(f)) bars another examination until at least 4 days after the failed attempt. Each retake is a new appointment with a new exam fee.
Is the Maryland P&C exam one test or two?
One combined test — exam 2032, Property and Casualty Producer – Combo. Separate Property (2031) and Casualty (2026) exams exist for single-line candidates, and the combo is also offered in Spanish (2052).
What Maryland-specific topics does the exam cover?
The 36-question regulation section covers licensing, the Commissioner’s authority, unfair practices and fiduciary duties, the Property and Casualty Insurance Guaranty Corporation, the Joint Insurance Association, surplus lines, lead liability, the Maryland auto insurance policy — required limits, PIP, uninsured/underinsured motorist coverage, and the Maryland Automobile Insurance Fund (MAIF) — and Maryland workers’ compensation law. Maryland special provisions also appear in the dwelling and homeowners sections.
What is MAIF?
The Maryland Automobile Insurance Fund — Maryland’s state-created insurer of last resort, providing auto insurance to eligible Maryland residents who cannot obtain coverage in the private market. It is a Maryland-only institution and a named topic in the exam outline.
Do I need fingerprints for a Maryland producer license?
Maryland’s published producer requirements list the exam, the application, the $54 fee, and documentation for any “yes” answers to the application’s background questions (filed through NIPR’s Attachments Warehouse). No separate fingerprint appointment is published for producers in those requirements. If your application or the current bulletin directs otherwise, follow that instruction.
Who is exempt from the Maryland P&C exam?
The exam is required for resident individual applicants requesting a major line of authority. Nonresident producers licensed and in good standing in a reciprocal home state are licensed without the Maryland exam. The outline’s licensing subsection covers the statutory exemptions to licensure for roles that do not require a producer license at all.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Maryland Insurance Administration, Prometric, or any state agency or exam vendor. This guide is general information about the Maryland licensing exam, current as of October 2026; MIA and Prometric publications govern if anything here differs from them.