Maryland insurancelicense requirements
Maryland insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Prometric
- Exam fee
- $65 per exam
- License fee
- $54
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Maryland
Below, you'll find the steps to a Maryland insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Maryland insurance producers
Contact the Maryland insurance department
How much do insurance agents make in Maryland?
Maryland average insurance agent salary (all lines): $76,220
That is the mean annual wage for insurance sales agents in Maryland in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $86,347
- Health insurance agent: $53,526
- Property and casualty insurance agent: $46,361
Please note that salaries will vary based on experience level and local demand.
Does Maryland require prelicensing education?
No, Maryland does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Maryland?
Becoming an insurance producer in Maryland requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Consider completing a prelicensing course to better prepare for your licensing exam.
- Step 2: Schedule your exam with Prometric online at https://www.prometric.com/exams/mia or by calling (800) 610-1174. Have your Candidate ID ready. You can choose to take the exam at a Prometric center or via remote proctoring. Cancel or reschedule at least 24 hours in advance to avoid losing your exam fee.
- Step 3: On exam day, bring one non-expired U.S. government-issued ID with your photo and signature. A second ID is needed only if your primary ID lacks the photo or signature. Without these, you cannot take the exam. Security measures at the test site will restrict items you can bring and what you can wear. Review the candidate bulletin on Prometric’s website for details. After the exam, you’ll receive a completion notice via email.
- Step 4: Apply for your license through NIPR at https://nipr.com/.
If you need assistance with any of these steps or have questions about specific requirements, contact the Maryland insurance department for the most current information.
Maryland insurance exam information
Maryland Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 90 Total Questions (includes 10 unscored, pretest questions) |
| Time limit | 1 Hour, 45 Minutes |
| Passing score | 70% |
| Pass rate | 50.7% (2,744 of 5,416 first-time test takers, 2025) |
Maryland Health and Accident Insurance Examination
| Detail | Value |
|---|---|
| Questions | 90 Total Questions (includes 10 unscored, pretest questions) |
| Time limit | 1 Hour, 45 Minutes |
| Passing score | 70% |
| Pass rate | 71.3% (490 of 687 first-time test takers, 2025) |
Maryland Life, Health, and Accident Insurance Examination
| Detail | Value |
|---|---|
| Questions | 140 Total Questions (includes 10 unscored, pretest questions) |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 66.2% (2,757 of 4,165 first-time test takers, 2025) |
Maryland Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 130 Total Questions (includes 10 unscored, pretest questions) |
| Time limit | 2.5 Hours |
| Passing score | 70% |
| Pass rate | 60.9% (825 of 1,355 first-time test takers, 2025) |
Maryland Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 110 Total Questions (includes 10 unscored, pretest questions) |
| Time limit | 2 Hours, 15 Minutes |
| Passing score | 70% |
| Pass rate | 52.8% (76 of 144 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Maryland insurance licensing fees
- Initial license fees: Resident Producer $54; Resident Surplus Lines Broker $100 (<1 yr to producer expiration) or $200 (>1 yr) Nonresident Producer $54; Nonresident Surplus Lines Broker $100 or $200 (same timing rules)
- Renewal fees: Resident Producer $69; Resident Surplus Lines Broker $200; Nonresident Producer $69; Nonresident Surplus Lines Broker $200
Maryland insurance license citizenship requirements
Non-citizens must hold a resident license in one U.S. state to sell insurance
Where can I apply for a resident insurance license in Maryland?
Apply through NIPR
How can I apply for a non-resident insurance license in Maryland?
- 1. Must have an equivalent active resident license.
- 2. Must provide a valid country code.
- 3. Must answer background questions.
- 4. Surplus Lines Broker requires Property & Casualty LOAs; Insurance Producer Title requires a copy of the original bond(s) or other documentation.
- 5. Apply via NIPR and pay $54 plus NIPR processing fees.
Maryland carrier appointments and insurance license terminations
- Required to report appointments: No, Registry
- Appointment exemptions: Not required except for Motor Club and business entities; internal registry required
- Initial appointment deadlines: Motor club before solicitation; P/C added to internal list within 30 days and before selling; L/H within 30 days of first business; motor club must be proactively reported for individuals and agencies
- Can be processed via NIPR: Yes
- Appointment fees: Resident & Nonresident $2 (motor club only)
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: No
- Appointment effective date can be specified: Yes - must be < 15 days old
- Appointment renewal required: Yes - via NIPR Portal, June 3–Aug 30; fee $2 per motor club appointment
Maryland insurance license termination details
- Terminations via NIPR: Yes
- Termination reasons: Cancelled; cancelled for cause
- Termination date can be specified: Yes - must be < 15 days old
- Carriers may not terminate solely due to license expiration: No (not allowed)
- Not-for-cause termination notice: Must be mailed
Maryland insurance license renewals
Individual renewal starts 90 days before expiration; renewal date = last day of birth month every 2 years based on first license issuance ; Late renewal: Up to 1 year after expiration ; Agency renewals: 90 days before expiration until expiration; late renewal ends 60 days after expiration
Maryland insurance license continuing education (CE) requirements
- Total CE hours: 24 every 2 years
- CE due: 15 days before license expiration; reminders sent 90 days before expiration
- Ethics: 3 hours ethics & consumer protection
- Major lines: 21 hours for major LOAs
- Flood: 2 hours for P/C producers selling flood/homeowners/commercial property
- LTC: 8-hour initial + 4 hours every 2 years (Partnership); General LTCI: 2 hours
- Annuity: One-time 4-hour course
- Adjusters (Public): 24 hours (3 ethics)
Maryland insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Maryland requires no prelicensing course, so you can book your exam as soon as you are ready. The state gives this processing time: 7 to 10 business days.
Yes. Maryland candidates can test online with a remote proctor through Prometric, or in person at a test center.
Expect to pay $65 per exam for the exam and $54 for the license. Any exam prep is extra.
No. Maryland does not require a prelicensing course, though a course helps you prepare for the exam.
Apply through NIPR after you pass your exam.
Maryland requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing: insurance.maryland.gov
- Exam provider, license fee, where to apply and processing time: insurance.maryland.gov
- Exam fee, continuing education and online exams: prometric.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Maryland and exam provider sources as of . Licensing rules and fees change, so confirm them with the Maryland insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Maryland, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
