How many questions are on the Maryland Property & Casualty exam?

120 scored questions plus 10 unscored questions, with a 2.5-hour time limit (series 20-32).

What is the passing score for the Maryland insurance exam?

Prometric's bulletin does not print a passing percentage. Your results appear on screen after the exam and are emailed to you.

How much of the Maryland exam is state law?

Insurance regulation is 30% of the Property & Casualty and Life outlines: 36 of 120 P&C questions and 24 of 80 Life questions.

How long do I wait to retake the Maryland exam?

Four days. If you do not pass, you cannot take the same exam again for four days.

How much does the Maryland insurance exam cost?

$65 per exam, according to Prometric's bulletin. Fees are not refundable or transferable.

Maryland Insurance Exam: Questions, Scoring and What's Tested

Maryland's insurance exams are given by Prometric for the Maryland Insurance Administration. The distinctive thing about them is how much of each exam is state law: in the outlines, insurance regulation is 30% of the Property & Casualty and Life exams.

Quick answer: The combined Property & Casualty exam has 120 scored questions and a 2.5-hour limit. The Life exam has 80 scored questions and a 1 hour 45 minute limit. Each exam costs $65. Insurance regulation is 36 of the 120 P&C questions and 24 of the 80 Life questions. Prometric's bulletin does not print a passing percentage. If you do not pass, you must wait four days before retaking that exam.

The exams at a glance

Prometric's outlines list a number of scored questions plus 10 unscored questions on each exam:

Exam	Series	Scored questions	Unscored	Time limit	Fee
Property and Casualty (combined)	20-32	120	10	2.5 hours	$65
Life	20-27	80	10	1 hour 45 minutes	$65
Casualty	20-26	80	10	1 hour 45 minutes	$65
Personal Lines	20-29	100	10	2 hours 15 minutes	$65

Maryland also offers Accident and Health or Sickness and combined Life and Accident and Health exams. The bulletin says exams are available in English and Spanish.

How the scoring works

At the end of your exam, results appear on screen and Prometric emails a score report. The bulletin does not state a passing percentage, and we do not use numbers quoted by third-party sites. Judge your readiness by timed practice exams on the outline's weights.

The outlines also say percentages show the relative weight of each section: a 10% section means 10 questions on a 100-question exam and 15 on a 150-question exam.

What's on the Property & Casualty exam

The 120 scored questions are split like this:

Section	Questions
Insurance Regulation	36
Property and Casualty Insurance Basics	15
Homeowners Policy	15
Commercial Package Policy	15
Dwelling Policy	10
Auto Insurance	10
General Insurance	8
Other Coverages and Options	6
Workers Compensation Insurance	4
Businessowners Policy	1

The Insurance Regulation section is Maryland law, about 30% of the exam. It covers the licensing process (citing Insurance Article §§ 10-104, 10-115 and 10-116), types of licensees (producers, business entities, nonresidents, temporary licenses, advisers, public insurance adjusters and portable electronics limited lines), maintenance and renewal, reporting felony convictions, continuing education, discipline, fraud, the Commissioner's duties (§ 2-205), state-specific definitions, privacy, cancellation and nonrenewal for personal and commercial policies, binders and producer appointments.

What's on the Life exam

The 80 scored questions are split like this:

Section	Questions
Insurance Regulation	24
Life Insurance Basics	14
Life Insurance Policy Provisions, Options and Riders	11
General Insurance	8
Life Insurance Policies	8
Annuities	7
Federal Tax Considerations for Life Insurance and Annuities	6
Qualified Plans	2

Regulation is again the biggest single block at 30%, so Maryland law decides more of the Life exam than any product topic.

Booking and test-day rules from the bulletin

Fee: $65 per exam. Registration fees are not refundable or transferable.
Wait: if you do not pass, you cannot take the same exam for four days.
ID: one non-expired U.S. government-issued ID with your photo and signature, with a name that exactly matches your registration.
Reschedule at least 24 hours ahead, or you forfeit your fee. Missing your appointment also forfeits it.
Remote testing is available through Prometric's ProProctor. Run the system check and install the application before test day.
Veterans may be reimbursed up to $2,000 per exam under the GI Bill, according to the bulletin.

A study plan that follows the questions

Start with Maryland law. It is the biggest section on both exams and the outline names the Insurance Article sections.
For P&C, learn homeowners, commercial package and P&C basics next. They are 15 questions each, 45 of the 120 between them.
For Life, pair basics with provisions (25 of 80 questions between them).
Practice to the clock. The P&C limit works out to about 75 seconds per scored question, and the Life limit to about 79.

Prometric's outlines on its Maryland page carry a September 2021 date in their file names, while the bulletin is effective October 1, 2026. Check Prometric's page for updates before you book.

See how to get your Maryland insurance license for what comes after the exam.

Figures come from Prometric's bulletin and outlines as of October 2026 and can change. Check Prometric before you book.

Ready to start your Maryland license?

Start the Maryland Property & Casualty course → — built around the Maryland exam outline, with timed practice exams and a state-law section.

Start the Maryland Life Only course → — the same approach for the life exam.

Both are one flat price per license line: pay once, keep lifetime access, no subscription, and backed by our Pass Guarantee. Not sure which line to pick? Compare everything on the Maryland page, or book a 1-on-1 tutoring session and we'll help you choose and build a study plan.