Maryland insurance producer license — complete step by step guide 2026

How to Get Your Maryland Insurance Producer License in 2026

Getting your Maryland insurance producer license might seem like a lot of steps, but it's straightforward when you know the process. Here's your complete roadmap from start to finish.

Step 1: Complete Pre-Licensing Education (2-4 weeks)

Maryland requires all applicants to complete approved pre-licensing courses before taking the state exam. You'll study five main topics: Maryland Regulations and Laws, Life Insurance, Health Insurance, Property Insurance, and Casualty Insurance. Most agents complete this in 2-4 weeks using online courses. You can find approved providers through the Maryland Insurance Administration website. Cost typically ranges from $100-300 depending on the provider.

Step 2: Register for the PSI Exam (1 week)

Once you complete pre-licensing education, you'll get a completion certificate. Register for your PSI exam at psionline.com. Choose your test center and date—most agents test within 1-2 weeks of completing education. The exam costs $65 and takes 3-4 hours. Schedule during a time when you're mentally sharp (morning is usually best). You'll need your SSN and a valid photo ID.

Step 3: Pass the PSI Exam (exam day)

You need a 70% score (105 out of 150 questions) to pass. Results are typically available within 24 hours. If you pass, you'll receive your official passing notice which you'll need for the next step.

Step 4: Fingerprinting and Background Check (1-2 weeks)

Maryland requires fingerprinting through the Maryland State Police. Visit an authorized fingerprinting location (usually police departments or certified agencies). Cost is around $15-25. They'll submit your prints directly to the MIA.

Step 5: Apply with the Maryland Insurance Administration (2-3 weeks)

Submit your application to the MIA with: your passing exam certificate, fingerprint results, proof of pre-licensing education, and a $25 application fee. You can apply online at insurance.maryland.gov. The MIA typically processes applications within 2-3 weeks.

Step 6: Receive Your License (1 week)

Once approved, you'll receive your official license certificate by mail. Your license is valid for two years. You must complete 15 continuing education credits during your license period.

Total Timeline: 6-10 weeks from start to licensed agent

Most agents go from zero to licensed producer in 6-10 weeks. The whole process is designed to be straightforward. Start your pre-licensing education today and you could be a licensed Maryland insurance producer by early summer.