Maryland License Requirements
Maryland Insurance License Requirements (2026)
Everything you need to know to get and keep your Maryland insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Maryland Insurance License Requirements at a Glance
Key facts for getting and maintaining your Maryland insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Maryland |
| Prelicensing Hours (Life) | None required (optional) |
| Prelicensing Hours (Health) | None required (optional) |
| Prelicensing Hours (Life & Health Combined) | None required (optional) |
| Exam Provider | Prometric |
| Exam Fee | $60 |
| Passing Score | 70% |
| Application Fee | $54 |
| Background Check Cost | $No fee required |
| Fingerprinting Required | No |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Maryland licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Maryland Insurance License
Follow these five steps to go from zero to licensed in Maryland.
Complete Prelicensing Education
Prelicensing education status for Maryland: None required (optional). Check with the Maryland Insurance Administration for current requirements.
Browse Maryland Prelicensing Courses →Schedule and Pass the State Exam
The Maryland insurance licensing exam is administered by Prometric. The exam fee is $60, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Prometric →Complete Fingerprinting
Not required
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $54. Processing typically takes 7-10 business days.
Apply for Your Maryland License →Get Appointed and Start Selling
Once your Maryland insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Maryland Insurance Administration. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Maryland Fingerprinting Requirements
Not required
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Maryland CE Renewal Requirements
To keep your Maryland insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Maryland licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
MIA
Regulatory Body
Maryland Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Maryland.
Insurance Code
Maryland Code Annotated, Insurance ArticleView Statute
Prelicensing Education
Formerly Md. Code, Ins. Art. § 10-105(f)(1)(i) and § 10-104(f)(1)(i) — REPEALED (HB 0265/SB 0336, eff. 10/1/2024)
Examination Requirements
Md. Code Ins. 10-105(g)(1) + 10-104(g)
Age Requirements
Md. Ins. Art. § 10-104(d) (P&C); § 10-105(c) (L&H)
Background Check
Md. Code Ann. Insurance Sec. 10-126(a)(8)
Fingerprinting
COMAR Title 31 + MIA administrative requirement
License Application
Md. Code Ann. Ins. § 10-111
CE Requirements
Md. Ins. Code 10-116
CE Ethics
COMAR 31.03.02.03(C)
Administrative Code
Title 31 - Maryland Insurance AdministrationView Statute
Provider Regulation
Code of Maryland Regulations 31.03.02
Maryland Insurance License Requirements — FAQs
How long does it take to get a Maryland insurance license?
Most candidates complete the Maryland insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Maryland?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Maryland?
Not required
Can I transfer my insurance license from another state to Maryland?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.
How much does a Maryland insurance license cost?
The total cost to get your Maryland insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($60), the state application fee ($54), and the background check cost ($No fee required). Individual costs vary based on the line of authority you choose.
What are the Maryland CE requirements?
Maryland requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Maryland licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
What makes Maryland's insurance market unique compared to neighboring states?
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.
What are the prelicensing hour requirements in Maryland?
Maryland requires None required (optional). Courses are available fully online through JustInsurance.
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