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How to get an insurance license in Maryland. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $174 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
91% of data points are verified against official sources. 1 field based on preliminary research. 1 field needs verification. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$174
Gov. Fees (Both)
Insurance Producer
Maryland issues producer licenses with individual lines of authority. Pre-licensing education is no longer required (effective October 1, 2024). Combined and individual exams available. Exams administered by Prometric.
Other Available Lines of Authority
No pre-licensing education required
Repealed effective October 1, 2024. No longer required.
Maryland Property & Casualty Insurance Exam
Administered by Prometric
130
Questions
70%
Passing Score
150 minutes (2.5 hours)
Time Limit
$60
Exam Fee
Combined P&C exam: 130 questions (120 scored + 10 pretest), 2.5 hours. 70% passing score. Available at Prometric testing centers or via remote proctoring.
No pre-licensing education required
Repealed effective October 1, 2024. No longer required.
Maryland Life, Health & Accident Insurance Exam
Administered by Prometric
140
Questions
70%
Passing Score
150 minutes (2.5 hours)
Time Limit
$60
Exam Fee
Combined L&H exam: 140 questions (130 scored + 10 pretest), 2.5 hours. Individual Life exam: 90 questions, 1 hour 45 minutes. Individual Health & Accident: 90 questions, 1 hour 45 minutes. 70% passing score.
Minimum Age
18 years old
Education
No formal education requirement; pre-licensing education no longer required as of October 1, 2024
Residency
Must apply as resident producer if domiciled in Maryland
Background Check
Criminal background check required. Conflicting information on fingerprinting requirement - some sources indicate fingerprinting is NOT required in Maryland, while others mention it. Verify with MIA directly.
Fingerprinting
Not required
Citizenship
Must have SSN, ITIN, or FEIN
| Fee | Amount |
|---|---|
Application Fee Initial resident application fee submitted to MIA after passing the licensing exam | $54 |
P&C Exam Fee Prometric exam fee for Property & Casualty exam | $60 |
L&H Exam Fee Prometric exam fee for Life, Health & Accident exam | $60 |
Fingerprinting Fee Maryland does not appear to require fingerprinting for producer licensing. UNVERIFIED - conflicting sources. Verify with MIA. | $0 |
Total Gov. Fees (Single Line) $54 application + $60 exam | $114 |
Total Gov. Fees (Both Lines) $54 application + $60 P&C exam + $60 L&H exam | $174 |
Pre-Licensing Course Cost: $0-$400(per line)
Pre-licensing education is NO LONGER required as of Oct 2024. Education costs are optional exam prep only. NOT a government fee.
Study for the exam (pre-licensing education no longer required as of Oct 2024)
Schedule and pass the Property & Casualty exam with Prometric ($60)
Apply for license through NIPR and pay $54 application fee
Receive license and obtain carrier appointments to begin selling
Study for the exam (pre-licensing education no longer required as of Oct 2024)
Schedule and pass the Life, Health & Accident exam with Prometric ($60)
Apply for license through NIPR and pay $54 application fee
Receive license and obtain carrier appointments to begin selling
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products.
Appointment fee: Paid by carrier
Non-resident licensing available through NIPR.
Additional requirements: Must hold valid resident license in home state
Renewal Cycle
2 years
Renewal Fee
$69
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
24 hours of CE per biennial renewal cycle, including 3 hours of ethics. Effective October 1, 2025, additional training requirements added for limited lines credit insurance producers.
Regulatory Board
Unique to Maryland: Maryland recently (October 2024) eliminated its pre-licensing education requirement, joining the group of states that do not mandate pre-licensing hours. The state has relatively low fees ($54 application, $69 renewal) and accepts ITIN for non-citizen applicants. The fingerprinting requirement is a point of conflicting information among sources.
Explore requirements for other professional licenses in Maryland.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#23 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$45,070
25th percentile
Median
$60,120
At national averageExperienced
$77,400
75th percentile
Wage Distribution (Annual)
4,780 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+54% salary growth potential
You are here
Insurance Agent
$60,120
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$60,120
Adjuster licensing + claims experience
$92,660
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Maryland Insurance Administration (MIA) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Maryland Insurance Administration (MIA) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Maryland Insurance Administration (MIA) — Licensing Requirements
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