Maryland
Maryland insurance licensing: requirements, renewal, and agency rules
Maryland licenses producers through the Maryland Insurance Administration (MIA), with Prometric running the exam and NIPR handling most application traffic.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $54
- DOI phone
- 410-468-2000
Overview
Maryland licenses producers through the Maryland Insurance Administration (MIA), with Prometric running the exam and NIPR handling most application traffic. Since Bulletin 24-19 took effect on October 1, 2024, applicants who pass the required exam no longer have to complete a prelicensing course — the exam is the only education gate before applying. Licenses run on a two-year cycle tied to the licensee's birth month, and Maryland has largely gotten out of the appointment-filing business: insurers track their own appointed producers instead of filing with the state.
How to get licensed
Skip prelicensing — it's exam-only now
Effective October 1, 2024, Maryland dropped its prelicensing course requirement for applicants who pass the required exam (Bulletin 24-19). Continuing education after licensure is unaffected; you just don't need a course to sit for the exam.
Register for and pass the Maryland exam
Maryland uses Prometric as its exam vendor for producers, public adjusters, and title agents. Prometric also runs Maryland's continuing education tracking, so keep your Prometric login for renewal season.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Maryland application for the state's $54 fee, pulled from NIPR at the moment of application. NIPR checks your exam result before it will let the application through.
Wait for approval
MIA processes complete submissions in about 7-10 business days. Incomplete applications can be delayed, rejected, or denied, so double-check your NAIC Uniform Application before submitting.
Print your own license
Maryland doesn't mail license certificates. Once approved, print a copy through NIPR or StateBasedSystems — there's no fee to print.
Prelicensing education
Not required. Maryland ended its prelicensing course requirement for exam-track applicants effective October 1, 2024 (Bulletin 24-19). Passing the state exam is now the only education gate before applying.
Exam
Vendor: Prometric.
Fingerprinting
Not required. Maryland's producer application process doesn't include a fingerprinting or criminal-background-check step.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license (individual or business entity) Renewal includes a $15 fraud-prevention fee. Reinstatement after a lapse is $169. | $54 | $69 |
| Non-resident producer license | $54 | $69 |
| Public adjuster license Renewal includes the same $15 fraud-prevention fee as producer licenses. | $50 | $65 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: MIA – Licensing and Registration Fees, NIPR – Maryland resident individual licensing
Renewal & CE
Renewal window — License expires on the last day of your birth month, on a two-year cycle.
Grace period: Licenses expired less than one year can be renewed after completing the required CE and paying a $100 late fee plus the $69 renewal fee. Licenses expired more than one year must be reissued as a new application — pass the Maryland exam again and reapply.
Producers who also sell flood insurance need 2 of their 24 hours in a flood-designated course; bail bond producers need 4 hours in a bail bond course; long-term care sellers need 2 hours in an LTC course plus an 8-hour initial LTC Partnership course (4-hour refresher every two years); annuity sellers need a 4-hour initial annuity suitability course. Complete CE at least 30 days before your license expires — course providers have up to 10 days to report completion to Prometric, and carryover hours aren't allowed.
24 total CE hours per renewal term, including 3 ethics hours.
Maryland attorneys admitted to the Court of Appeals who hold only the Title line are exempt from CE. Licensees with 25 years of continuous active licensure as of October 1, 2008 have CE reduced to 8 hours; producers already licensed at age 70 as of April 30, 2013 are CE-exempt. Non-resident licensees generally skip Maryland CE unless their home state isn't reciprocal with Maryland for that license type or line of authority. Limited lines licenses don't require CE at all.
| Line | Hours | Notes |
|---|---|---|
| Title only | 16 | 13 title hours plus 3 ethics hours. |
| Funeral Director (Life only) | 16 | 13 life/health hours plus 3 ethics hours. |
For agencies and non-residents
Agencies, appointments & DRLP
Business entities apply through InsureTrek for the same $54 fee individuals pay and must name at least one Designated Responsible Licensed Producer (DRLP) whose lines of authority collectively cover everything the entity sells — every license type except motor vehicle rental, portable electronics, viatical settlement, and third-party administrator licenses needs one. Before accepting compensation in its own name, the entity needs both its license and an appointment from each insurer it represents in that line of insurance.
Maryland has largely gotten out of the appointment-filing business: insurers no longer report routine appointments or terminations to MIA. Instead, each insurer keeps its own Producer Register of appointed agents under COMAR 31.03.13 and must check every 31 days whether an appointed producer's license has been suspended or revoked. A business entity still needs both its own license and an appointment from each insurer it represents before it can accept compensation for insurance business in its own name.
Appointments — Just-in-time appointments: Maryland doesn't run a just-in-time appointment-filing system the way many states do — appointments simply aren't filed with MIA except when a termination is for cause. Deadlines: Terminations for cause must be reported to MIA; routine, non-cause terminations are not filed with the state at all.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Maryland licenses non-residents on a reciprocal basis: you generally need an equivalent active license in your resident state, and Maryland won't issue a non-resident license to someone whose resident state is Maryland. Apply through InsureTrek for the same $54 fee residents pay. Maryland CE isn't required for non-residents unless their home state isn't reciprocal with Maryland for that license type or line of authority. Producers moving into Maryland from another state can convert an existing Maryland non-resident license to resident status within 90 days of their prior state's license cancellation without retaking the exam.
Apply for a non-resident Maryland license through InsureTrek, plus the state fee.
Official resources
- Maryland Insurance Administration — licensing
- DOI phone: 410-468-2000
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Maryland Insurance Administration or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- MIA – Apply or Renew a License — accessed 2026-08-19
- MIA – Contacts — accessed 2026-08-19
- MIA – Fees and Forms — accessed 2026-08-19
- MIA – Producer Continuing Education Credit Requirements — accessed 2026-08-19
- MIA – Producer Initial and Renewal Licenses — accessed 2026-08-19
- MIA – Producer Licensing FAQ — accessed 2026-08-19
- NIPR – Maryland non-resident individual licensing — accessed 2026-08-19
- NIPR – Maryland resident business licensing — accessed 2026-08-19
- NIPR – Maryland resident individual licensing — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Maryland?
MIA's application fee is $54 for most producer license types, for individuals and business entities alike. Renewal runs $69, which includes a $15 fraud-prevention fee. Prometric charges a separate exam fee that MIA doesn't publish, so confirm current pricing directly with Prometric before you register.
Do I need a prelicensing course before I can sit for the Maryland exam?
No. Effective October 1, 2024, Maryland dropped the prelicensing course requirement for applicants who pass the required exam (Bulletin 24-19). You can register with Prometric and sit for the exam without a course first.
Where do I take the Maryland insurance licensing exam?
Maryland uses Prometric as its exam vendor. Register and find candidate information at prometric.com/maryland/insurance.
How do I look up or verify a Maryland insurance license?
Use the producer or agency search tool linked from MIA's Producer Licensing page, or look up a license directly on NIPR or StateBasedSystems.
How long does it take to get licensed in Maryland?
MIA says complete applications are typically processed in 7-10 business days. Incomplete submissions can be delayed, rejected, or denied, so a clean NAIC Uniform Application matters more than anything else for speed.
Can I get a Maryland non-resident license without retaking the exam?
Yes, as long as you hold an equivalent active license in your resident state. Apply through InsureTrek for the same $54 fee residents pay; Maryland generally won't require its own exam or CE for non-residents unless your home state isn't reciprocal with Maryland for that license type.
How much continuing education do I need, and how often do I renew?
Maryland licenses run on a two-year cycle expiring on the last day of your birth month. Most producers need 24 CE hours per cycle, including 3 ethics hours; title-only and funeral-director (life-only) licenses need 16 hours. Carryover hours aren't allowed, and CE must be completed at least 30 days before your license expires.
What happens if I miss my Maryland CE or renewal deadline?
If your license has been expired less than a year, you can still renew after completing the required CE and paying a $100 late fee plus the $69 renewal fee. Past one year, you're treated as a new applicant and have to pass the Maryland exam again.
See how InsureTrek handles Maryland licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.