Maryland License Cost
How Much Does It Cost to Get a Maryland Insurance License?
The estimated total cost to get your Maryland insurance license is $350-500 estimated total cost. Here's the full breakdown — prelicensing, exam, application, and fingerprint fees — plus how JustInsurance's $199 all-in prelicensing keeps you on the low end.
Maryland Insurance License Cost Breakdown
Every fee you'll pay between today and your active Maryland insurance license, side-by-side with the JustInsurance all-inclusive price.
| Line Item | Typical MD Cost | JustInsurance Path |
|---|---|---|
Prelicensing course JustInsurance includes practice exams + pass guarantee in the $199 base price. | $512.00 | $199 |
State exam fee (Prometric) Paid directly to Prometric; not refundable on a fail. | $60 | $60 |
License application fee (MIA) Paid to the Maryland Insurance Administration via NIPR or sircon at submission. | $54 | $54 |
Fingerprinting / background check Maryland does not require fingerprinting for resident insurance license applicants. | Not required | Not required |
| Estimated Total (low–high) | $626 | $313 |
Estimates based on current published fees from the Maryland Insurance Administration, Prometric, and the JustInsurance prelicensing catalog. Last verified March 2026. Individual costs may vary by line of authority, fingerprint provider, and county. Total cost range reported by the MIA: $350-500 estimated total cost.
Why JustInsurance Costs Less in Maryland
Most Maryland prelicensing providers charge separately for practice exams, retake protection, and pass guarantees. We bundle all three into the $199 base price.
JustInsurance — All-Inclusive
$199 prelicensing
- ✓State-approved Maryland prelicensing course
- ✓Unlimited practice exam access
- ✓Pass guarantee — refund or rebook if you fail (terms apply)
- ✓Affirm financing (3, 6, or 12 months)
- ✓93% pass rate among compliant students
Typical Maryland Provider Stack
$300+ à la carte
- ·Base prelicensing course ($199–$299)
- ·Practice exams sold separately ($49–$99)
- ·Pass guarantee usually a paid upgrade
- ·Limited course-access window (often 30 days)
- ·No published pass rate
Estimated savings vs typical MD provider stack
$313
Includes practice exams and pass guarantee — most providers charge $50–$100 more for these.
What Does a Maryland Insurance License Pay Back?
Even at the high end of the $350-500 estimated total cost range, a Maryland insurance license is one of the lowest-cost licensed professional credentials in the United States. With the average Maryland insurance agent earning $66,320 per year and entry-level agents starting at $36,620, most new licensees earn back their full licensing cost within their first month of selling. The MIA reports 2,700 licensed agents currently active in Maryland, with concentrations in Baltimore and Bethesda. Career advancement is also fast: experienced agents in Maryland earn between $60,120 and $77,400, and top producers pull in $97,070+ annually.
On the maintenance side, your Maryland license renews every 2 years (24 CE hours, 3 ethics) — that's another $39 every 2 years for a JustInsurance CE package, or roughly $10/course à la carte. Renewal deadline: Last day of birth month (every 2 years).
Hidden Costs to Watch in Maryland
- Exam retakes. The Prometric Maryland exam fee ($60) is charged for every attempt. Retake rules: a 4-calendar-day waiting period. Failing twice can add $120+ to your licensing cost — practice exams pay for themselves the first time you would have failed.
- Appointment fees. Once your Maryland license is issued, each insurance carrier you represent submits an appointment to the MIA. Carriers typically cover the appointment fee, but a few pass it through to new producers — confirm before signing.
- Course-access expiration. JustInsurance gives you 30-day access to your prelicensing course; many competitors expire access after 30 days, forcing repurchase if your test-day slips. Certificate of completion validity in Maryland: N/A — PLE not required.
- CE non-compliance. Letting your Maryland CE lapse triggers reinstatement fees and (if the lapse runs long) re-examination — a multi-hundred-dollar mistake. Renew on time: Last day of birth month (every 2 years).
Maryland Insurance License Cost — FAQs
What is the total cost to get an insurance license in Maryland?
Plan for $626 all-in to get your Maryland insurance license. That covers prelicensing course, the $60 Prometric exam fee, the $54 MIA application fee, and the No fee required background-check cost. Fingerprinting is not required in Maryland JustInsurance's all-in price for the prelicensing portion is $199.
What happens if I fail the Maryland insurance exam?
If you fail the Maryland state exam, you'll pay the $60 exam fee again for each retake — and depending on your prelicensing provider, you may need to repurchase course access. Retake rules: a 4-calendar-day waiting period. JustInsurance includes a pass guarantee and unlimited practice exams to keep retake costs at zero.
How much does it cost to renew my Maryland insurance license?
Maryland requires 24 hours of CE every 2 years, including 3 ethics hours. JustInsurance offers a complete Maryland CE package for $39, with same-day reporting to the MIA. Single courses start at $10.
Does JustInsurance offer payment plans for Maryland prelicensing?
Yes — JustInsurance offers Maryland prelicensing through Affirm, with monthly payment plans starting at $199 paid over 3, 6, or 12 months (subject to credit approval). You can also pay in full upfront. State exam fees, application fees, and fingerprinting are paid directly to the testing vendor, MIA, and the fingerprint provider — those aren't covered by Affirm financing.
What is JustInsurance's refund policy on Maryland courses?
JustInsurance offers a satisfaction-based refund policy on Maryland prelicensing courses — see our terms for full details. State-collected fees (exam fee, $54 application fee, No fee required background check) are non-refundable once paid to the MIA or the testing vendor. Always confirm requirements before paying state fees.
Explore More Maryland Resources
Dive deeper into Maryland licensing, exam prep, and CE renewal.
Requirements
Maryland License Requirements
Step-by-step legal and documentation requirements from the Maryland Department of Insurance.
Practice
Maryland Practice Exam
Free practice questions modeled on the Maryland state licensing exam.
Prelicensing
Maryland Prelicensing Courses
All state-approved prelicensing course options for Maryland.
Life
Maryland Life Insurance Prelicensing
Prelicensing course for the Life-only license in Maryland.
Health
Maryland Health Insurance Prelicensing
Prelicensing course for the Health-only license in Maryland.
L&H
Maryland Life & Health Prelicensing
Combined Life & Health prelicensing course for Maryland.
CE
Maryland Continuing Education
CE course catalog for Maryland license renewal.
CE Life
Maryland Life CE Renewal
CE hours for Maryland Life license renewal.
CE Health
Maryland Health CE Renewal
CE hours for Maryland Health license renewal.
CE L&H
Maryland Life & Health CE Renewal
Combined Life & Health CE for Maryland license renewal.
Start Your Maryland Insurance License for $199
All-inclusive prelicensing — practice exams, pass guarantee, and Affirm financing built in. Most students recoup the cost in their first month selling.
Start Now for $199