Get Your Maryland Insurance License Online

Getting your Maryland insurance license involves four steps. First, prepare for your exam — Maryland does not require a formal prelicensing course, though most candidates strongly recommend taking one. Second, pass the Maryland state licensing exam administered by Prometric — you need a score of at least 70% to pass. Third, complete a background check. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Maryland Insurance Administration application fee of $54. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Maryland that get you to exam day confident and prepared.

The total cost to get your Maryland insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the Prometric exam fee is $60, the Maryland Insurance Administration application fee is $54. If you need a prelicensing course, JustInsurance's Maryland combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

Most focused candidates complete the Maryland insurance licensing process in 2-4 weeks. That timeframe covers scheduling and passing the Prometric state exam, clearing your background check, and waiting for the Maryland Insurance Administration to process your application. The Prometric exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Maryland exam is administered by Prometric and requires a minimum score of 70% to pass. If you do not pass on your first attempt, you can retake it after a 4-calendar-day waiting period. There is no limit on the number of times you can retake the exam. If you fail one portion of a two-part exam, you must pass the failed portion within 6 months. See our full pass rate methodology at /pass-rates.

Insurance agents in Maryland earn an average of $66,320 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $36,620 in their first year while building a client base, and top producers in Maryland can earn $97,070 or more annually. Demand for new insurance producers remains steady in Maryland. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

Maryland's proximity to Washington DC gives it one of the most distinctive insurance markets on the East Coast. Many residents work for federal agencies or government contractors, creating demand for group benefits, professional liability, and specialized life insurance products. Maryland also has a relatively large concentration of health insurance professionals due to its major academic medical centers. The Maryland Insurance Administration regulates the market and requires no prelicensing education to sit for the PSI exam.