How to Get Your Maryland Insurance License in 2026
Maryland requires 20 hours of state-approved pre-licensing per line of authority. A few designation waivers exist. Plan for a 5-8 week timeline.
Maryland insurance license — quick facts
| State regulator | Maryland Insurance Administration (MIA) |
| Exam vendor | PSI |
| Pre-licensing education | Required — 20 hours per line (waivers for CPCU/CLU/CIC or employer affidavit) |
| Exam fee (resident) | ~$58 per attempt |
| License application fee | ~$54 per producer |
| Fingerprinting | May be required |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete pre-licensing education
Maryland requires 20 hours of state-approved pre-licensing per line of authority (Life, Health, Property, Casualty, Personal Lines, Title). The course must be from an MIA-approved provider. Waivers are available for candidates with designations like CPCU, CLU, CIC, or with an employer affidavit.
- 2
Schedule your PSI exam
Maryland contracts with PSI for insurance license exams. Register at psiexams.com, pick a testing center, and pay the current exam fee (~$58 per attempt). {/* TODO: verify */}
- 3
Pass the exam
Maryland uses a 70% passing standard for resident producer exams. PSI sends your score directly to MIA within 24 hours.
- 4
Submit your MIA license application
Apply through NIPR or Sircon. Maryland license fees run ~$54 per producer license. {/* TODO: verify */}
- 5
Background check
Maryland may require a fingerprint-based background check for new resident producers. {/* TODO: verify */}
- 6
Get appointed by a carrier
A producer license alone doesn't authorize you to sell — you need at least one carrier appointment.
What's on the Maryland P&C exam
Standard NAIC P&C framework plus Maryland-specific statutes.
- Maryland insurance regulation — ~15-20%
- General insurance principles — ~10-15%
- Property — ~20-25%
- Casualty — ~25-30%
- Commercial Package, BOP, WC, Surety — ~15-20%
CE requirements after licensing
Maryland producer licenses renew every 2 years with 24 hours of MIA-approved CE including 3 hours ethics.
Cost breakdown
- State-approved 20-hour PLE: $200-$400 (waivable in some cases)
- PSI exam fee: ~$58 per attempt
- License application: ~$54
- Biennial CE: $30-$200
Maryland course — coming soon
Pre-licensing is required in Maryland — we're working with MIA to get our course approved as a 20-hour PLE provider. Sign up below to be notified when our Maryland exam-prep + PLE bundle launches.
Notify me when Maryland launches →Frequently asked questions
Does Maryland require pre-licensing education?
Yes. The Maryland Insurance Administration requires a 20-hour approved PLE course per line of authority. Waivers are available for candidates with CPCU/CLU/CIC designations or an employer affidavit.
What's the passing score on the Maryland insurance exam?
70% — PSI administers and sends results to MIA.
Is Elite Training Academy approved in Maryland?
Not yet. We're working to file our course with MIA as an approved 20-hour PLE provider. Sign up to be notified when our Maryland course launches.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
- Maryland Insurance Administration
- PSI Exams — Maryland
- NIPR — National Insurance Producer Registry
- Md. Insurance Code §10-104 — Pre-licensing education
This guide is based on MIA and PSI published procedures current as of 2026. Always verify current requirements at insurance.maryland.gov before relying on any specific number.