Part of the expanding PassProfessor catalog: 9,924 questions, written to Prometric’s published Maryland content outline and independently audited. Join the notify list and we will email you when enrollment opens.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Maryland licenses property and casualty producers through one combined exam — the Property and Casualty Producer – Combo exam (Prometric exam 2032, Series 20-32), given by Prometric for the Maryland Insurance Administration: 120 scored questions in 2.5 hours, and a score of 70% to pass. PassProfessor’s Maryland program will give you 9,924 original practice questions built on Prometric’s published Maryland content outline — including 2,430 questions on Maryland law, regulation, Maryland auto, and workers’ compensation alone — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full Maryland program will be $29 when enrollment opens.
What’s included
A Maryland bank, not a national bank with a Maryland chapter. The Maryland exam opens with its biggest section — Insurance Regulation, 36 of the 120 scored questions, a full 30% of the test — and that section is Maryland law: producer licensing, the Commissioner’s authority, Maryland’s required provisions, the Maryland Automobile Insurance Fund (MAIF), the Joint Insurance Association, the Property and Casualty Insurance Guaranty Corporation, Maryland auto rules, and Maryland workers’ compensation law. Our Maryland bank holds 9,924 questions, and 2,430 of them test Maryland-specific material. That is the section national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 9,924 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — Insurance Regulation at its 30% weight, the policy sections at theirs, matching the proportions in Prometric’s published outline for exam 2032. Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single area — Maryland laws and required provisions, state regulation, licensing, the Maryland auto insurance policy, workers’ compensation laws — or sit the full 120-question simulation against the 2.5-hour clock. Your results break down by topic, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses once the program opens. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be, not as it shipped.
Start free, on the real outline. The free Maryland sample is a fixed set of 10–15 questions drawn from across the outline — roughly two-thirds questions most prepared candidates answer correctly and one-third stretch questions at the exam’s harder edge — with the same full explanations as the paid program. It is the fastest honest way to find out two things before you spend anything: how this program teaches, and how far your current knowledge is from a passing performance on Maryland material specifically. Candidates are often surprised by which half of that answer is weaker — general insurance knowledge usually travels from state to state, but MAIF, the Joint Insurance Association, Maryland’s PIP and UM/UIM rules, and the Commissioner’s licensing framework do not appear on any other state’s exam, and they are worth 36 scored questions here.
Built for a no-required-course state. Maryland’s 2024 repeal changed what preparation means. There is no approved syllabus handed to you by a required course, no completion certificate, and no provider roster — there is only the published outline and the exam built from it. This program is organized exactly the way that outline is organized, so self-directed study has a structure: the regulation block first and deepest, the policy-form sections at their real weights, and Maryland’s institutions and day-count rules drilled until they are reflexes rather than recognition.
The real exam at a glance
Current as of October 2026, per Prometric’s Maryland Insurance Administration program page and content outline for exam 2032 (Series 20-32) and the Maryland Insurance Administration’s producer licensing pages. Full detail — eligibility, registration, retakes, test day — is in our Maryland insurance exam guide.
| Maryland Property and Casualty Producer – Combo exam (2032) | |
|---|---|
| Administered by | Prometric, for the Maryland Insurance Administration (MIA) |
| Questions you will see | 130 |
| Scored questions | 120 |
| Unscored pretest questions mixed in | 10 (you cannot tell which they are) |
| Time limit | 2.5 hours (150 minutes) |
| Passing standard | 70% |
| Exam fee | Paid to Prometric when you schedule — confirm the current amount in Prometric’s Maryland License Information Bulletin before you book (see the note in our exam guide) |
| License application fee | $54, paid to the Maryland Insurance Administration with your application after you pass (separate from the exam fee; NIPR transaction fees are additional) |
- Maryland no longer requires pre-licensing education for this license. Effective October 1, 2024, MIA Bulletin 24-19 repealed the approved-program-of-study and experience requirements for producer applicants who must pass an exam. There is no course you must complete before the exam — you prepare, pass, and apply. Preparation is optional in Maryland; passing is not.
- One combined sitting. Property and casualty are tested together in exam 2032. (Maryland also offers separate Property Producer and Casualty Producer exams; the combo is the standard route to both lines at once.) The exam is also published in Spanish as exam 2052.
- Two ways to test. Prometric offers this exam at test centers and by remote proctoring — you choose when you schedule.
- You apply for the license after passing: submit the NAIC Uniform Individual Application, online through NIPR, with the $54 fee. Apply promptly — and check the current License Information Bulletin for the application window that applies to your pass.
How the practice maps to the real exam
Every question in the Maryland bank is tagged to the structure of Prometric’s published content outline for exam 2032 — the same outline the real exam is built from. Counts below are the bank itself, counted question by question. On the real exam, the regulation section (30% of the score) is where the Maryland-specific material below lives; in the bank, that Maryland material is broken out into its own drillable topics so you can work it directly.
| Bank topic (Maryland-law topics marked ◆) | Practice questions |
|---|---|
| Property and Casualty Insurance Basics (3.0) — principles, policy structure, provisions, and the policy-form sections | 5,245 |
| General Insurance (2.0) — concepts, insurers, agency, contracts | 2,249 |
| ◆ Maryland laws, regulations and required provisions | 857 |
| ◆ State regulation | 609 |
| ◆ Licensing | 464 |
| ◆ Maryland auto insurance policy (including MAIF) | 359 |
| ◆ Workers compensation laws | 141 |
| Total | 9,924 |
The ◆ topics total 2,430 Maryland-law questions — the licensing rules, the Commissioner’s powers, unfair practices and fiduciary duties, the Guaranty Corporation, the Joint Insurance Association, surplus lines and required homeowners provisions, Maryland’s compulsory auto coverages and MAIF, and the Maryland Workers’ Compensation Act. On the real exam those subjects sit inside a 36-question regulation section that also reaches into the dwelling, homeowners, and auto sections through Maryland special provisions — which is why this bank lets you drill them on their own.
For scale, set the bank against the exam itself. The real test asks 36 regulation questions; this bank holds 2,430 Maryland-law questions to prepare for that block and the Maryland provisions scattered through the forms sections — more practice questions on Maryland material alone than most national courses carry for an entire state. The real test asks 84 questions across the general sections; the basics and general-insurance banks hold 7,494 questions between them, organized so the heaviest forms — homeowners, the commercial package policy, and the basics that underpin both — can be worked comparatively, coverage against coverage and exclusion against exclusion. Depth is not decoration here: a 120-question exam sampled from an outline this broad can only be prepared for with a bank broad enough to sample the same way, which is what the generated, blueprint-weighted practice exams are for. Across all 50 states the same standard produced 478,523 questions; Maryland’s 9,924 are the Maryland share of that library, written for exam 2032 and no other test.
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Maryland questions across the outline, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Maryland-law topics early. Regulation is 30% of the real exam and the most concrete material on it — day counts, dollar figures, named Maryland institutions like MAIF and the Joint Insurance Association. Most candidates leave state law for last; the score report is where that shows.
- Drill by topic. Work your weakest areas — the basics bank is the largest because the policy forms carry most of the remaining 70% — until the misses stop repeating.
- Sit full generated exams against the clock. 120 scored questions in 150 minutes, with 10 pretest questions mixed in, is a pace of a little over a minute per question. Practice the pace, not just the material.
- Book the real exam through Prometric when your practice scores sit comfortably above passing on full simulations — then apply to the MIA through NIPR with the $54 application fee.
A note on sequencing: because Maryland no longer requires a course, nothing stands between finishing your preparation and sitting for the exam except your own readiness and Prometric’s schedule. Candidates who book the exam first and study toward a fixed date often pace themselves better than candidates who study “until ready” with no date at all — but book the date your simulation scores justify, not the date your impatience picks. If the day goes badly, Maryland law allows another attempt after four days; treat that as insurance, not as a study plan.
Pricing
$29 — the full Maryland program. All 9,924 questions, every explanation, unlimited fresh practice exams and topic drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — in a state that, since October 1, 2024, does not require you to take one. This program is the practice itself, priced below every one of them. Maryland is one of 50 state programs in a 478,523-question national library, each built the same way: counted, explained, and weighted to its own state’s outline.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Maryland property and casualty exam?
You will see 130 questions in 2.5 hours. Of those, 120 are scored and 10 are unscored pretest questions mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Maryland P&C exam?
70%. Your score is shown on screen as soon as you finish, and Prometric emails your score report. The regulation section is the single biggest block — 36 of the 120 scored questions — so a passing plan has to include Maryland law, not just general insurance knowledge.
Does Maryland require a pre-licensing course before the exam?
No — not anymore. Maryland repealed the pre-licensing education and experience requirements for producer applicants effective October 1, 2024 (MIA Bulletin 24-19). Older pages and course catalogs may still describe an approved course as mandatory; that rule is gone. You may prepare however you choose, take the Prometric exam, and then apply.
How much does it cost to get a Maryland P&C license?
Two separate payments. Prometric collects an exam fee when you schedule — confirm the current amount in Prometric’s Maryland License Information Bulletin, because published third-party figures conflict and the bulletin controls. After you pass, the license application fee is $54, paid with your NAIC Uniform Individual Application (NIPR charges its own transaction fee on top when you apply online). There is no state-required course fee, because Maryland requires no course — preparation, like this program at $29, is your choice.
Who administers the Maryland insurance exam?
Prometric administers the exam for the Maryland Insurance Administration. You create a profile and schedule on Prometric’s Maryland Insurance Administration page or by calling 1-800-610-1174, and you can choose a test center or remote proctoring. The combo exam is code 2032 in English and 2052 in Spanish.
What do I do after I pass?
Apply for the license through NIPR (or by paper application to the MIA) with the $54 fee and the NAIC Uniform Individual Application. Answer the application’s background questions fully and honestly — the MIA is explicit that an application that fails to disclose can be delayed, denied, or, if discovered later, revoked. Complete applications are typically verified within about a week. Apply promptly after passing and confirm the current application window in the License Information Bulletin.
What happens if I fail?
Maryland law sets the floor: a candidate who fails may not take another examination until at least 4 days after the failed attempt (Insurance Article §10-108). You pay the exam fee again for the new attempt. Your score report is the starting point for a retake plan — and your practice data here breaks down by the same topics, so the plan can target the sections that cost you.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Prometric’s published Maryland content outline and Maryland insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
Maryland requires no pre-licensing education for this license, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course. It exists to prepare you for the exam itself.
Why do the Maryland-law topics get their own drills?
Because Maryland law is where this exam is won or lost. The regulation section alone is 36 of 120 scored questions, and Maryland tests its own institutions — the Maryland Automobile Insurance Fund for drivers who cannot get coverage in the private market, the Joint Insurance Association, the Property and Casualty Insurance Guaranty Corporation — plus Maryland’s own compulsory auto coverages and workers’ compensation rules. Our bank holds 2,430 Maryland-law questions so that material can be drilled on its own until it is the easiest part of your exam.
Is the Maryland exam one test or two?
One. Exam 2032 is a combined Property and Casualty Producer exam — a single 130-question sitting covering both lines. Maryland separately offers a Property-only exam (2031) and a Casualty-only exam (2026) for candidates who want one line, but this program prepares you for the combo, which is how most producers take both lines at once.
When can I enroll in the Maryland program?
The question bank is complete, and enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Maryland Insurance Administration, Prometric, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.