- MD-PC is administered by Prometric on behalf of the Maryland Insurance Administration via the Series 20-32 exam.
- The exam costs $62 and includes 120 scored plus 10 unscored questions in 2 hours 30 minutes.
- Prelicensing education is no longer required for exams taken on or after October 1, 2024.
- Insurance Regulation is the heaviest domain at 30% of the exam.
What the MD-PC Certification Actually Is
The MD-PC certification refers to the Maryland Property and Casualty Producer Combo Exam, the licensing test the Maryland Insurance Administration requires before an individual can sell property and casualty insurance products in the state. It's not a designation you frame on a wall after years of continuing coursework - it's the gatekeeping exam that determines whether you can legally act as a producer for auto, homeowners, dwelling, commercial package, and related lines in Maryland.
Because so many acronyms overlap in the insurance and business world, it's worth being precise. If you landed here searching for background terminology, our companion pieces on What Is MD-PC?, MD-PC Meaning, and What Does MD-PC Stand For? walk through the naming conventions in more depth. For this article, assume every reference to "MD-PC" means the Maryland Property and Casualty Producer Combo Exam and nothing else.
Registration, Fees, and Testing Mechanics
Prometric administers the MD-PC exam on behalf of the Maryland Insurance Administration. The registration fee is $62, and the exam itself - officially cataloged as Series 20-32 - consists of 120 scored questions plus 10 unscored pretest questions, all in a four-option multiple-choice format. You get 2 hours and 30 minutes to complete the full set, and since the unscored items are mixed in unlabeled, you should treat every question on screen as if it counts.
One of the more significant recent changes: candidates testing on or after October 1, 2024 no longer need to complete Maryland-approved prelicensing education before sitting for the exam. That's a meaningful shift in eligibility, and if you're mapping out exactly what you need before test day, the full breakdown lives in MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
You have flexibility in how you sit for the exam. Prometric offers both in-person testing at a physical test center and remote proctoring through ProProctor, so candidates can choose whichever format fits their schedule and comfort level with at-home testing conditions. If you're trying to plan around specific dates, availability windows, or how far in advance to book, see MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Key Takeaway
Budget for the $62 exam fee as a baseline, but check MD-PC Certification Cost 2026: Complete Pricing Breakdown for the full picture of what candidates typically spend once study materials and retake scenarios are factored in.
The 10 Exam Domains
The MD-PC exam is built around ten content domains, each weighted differently. Understanding these weights isn't optional - it's the single most efficient way to decide where your study hours go. The Maryland Insurance Administration publishes rounded weights that total 101% due to rounding, and Insurance Regulation dominates the exam at 30%, making it by far the largest single domain.
Domain 1: Insurance Regulation (30%)
This is the backbone of the exam. Expect questions on producer licensing rules, unfair trade practices, Maryland-specific statutes, and the authority of the Insurance Commissioner.
- Know Maryland's specific licensing and appointment rules, not generic industry norms
Domain 2: General Insurance (7%)
Covers foundational concepts like risk, indemnity, insurable interest, and policy structure that apply across all lines.
- Master basic terminology before moving into line-specific content
Domain 3: Property and Casualty Insurance Basics (13%)
A tie for second-largest weight. This domain tests the underlying principles that show up again inside dwelling, homeowners, and auto questions.
- Focus on how P&C policies are structured before memorizing specific forms
Domain 4: Dwelling Policy (8%)
Tests knowledge of dwelling forms, coverage parts, and how dwelling policies differ from full homeowners coverage.
- Learn the distinctions between DP-1, DP-2, and DP-3 style coverage levels
Domain 5: Homeowners Policy (13%)
Another heavily weighted domain. Expect detailed questions on coverage forms, endorsements, and exclusions specific to homeowners policies.
- Study the standard HO form structure and common endorsements closely
Domain 6: Auto Insurance (8%)
Covers personal auto policy structure, liability limits, and Maryland-specific auto insurance requirements.
- Pay attention to how Maryland's minimum coverage rules are tested
Domain 7: Commercial Package Policy (CPP) (13%)
Ties with Homeowners and P&C Basics as one of the largest domains. Tests how commercial coverage parts bundle together.
- Understand how CPP combines multiple coverage forms into one package
Domain 8: Businessowners Policy (1%)
The smallest domain by weight, but don't skip it entirely - even a single well-understood concept can secure an easy point.
- Know the basic difference between a BOP and a full CPP
Domain 9: Workers' Compensation Insurance (3%)
A narrow but distinct domain covering the fundamentals of workers' comp coverage and its purpose.
- Focus on core coverage parts rather than deep statutory detail
Domain 10: Other Coverages and Options (5%)
A catch-all domain for supplemental coverages and endorsement options that don't fit neatly elsewhere.
- Treat this as a review section for miscellaneous endorsement knowledge
For a deeper walkthrough of how these domains interact and which subtopics show up most often within each one, see MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
| Domain | Weight |
|---|---|
| Insurance Regulation | 30% |
| Property and Casualty Insurance Basics | 13% |
| Homeowners Policy | 13% |
| Commercial Package Policy (CPP) | 13% |
| Dwelling Policy | 8% |
| Auto Insurance | 8% |
| General Insurance | 7% |
| Other Coverages and Options | 5% |
| Workers' Compensation Insurance | 3% |
| Businessowners Policy | 1% |
Who Hires MD-PC Licensed Producers
Passing the MD-PC exam is the credential that lets you legally represent insurers and agencies selling property and casualty products in Maryland. Independent agencies, captive insurance carriers, brokerages, and financial services firms with insurance divisions all look for candidates holding an active producer license backed by this exam. Because the exam covers dwelling, homeowners, auto, and commercial package coverage, licensed producers are positioned to work across personal lines, commercial lines, or both, depending on the appointments they pursue after licensing.
If you're weighing whether this career path is worth pursuing before you commit study hours, Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 lays out the considerations, and MD-PC Salary Guide 2026: Complete Earnings Analysis covers how compensation tends to work for producers in this space. For a look at where openings typically show up once you're licensed, browse MD-PC Jobs.
Building a Study Timeline Around the Domains
Generic study advice - flashcards, timed drills, spaced review - only helps if it's applied to the right material at the right time. Given that Insurance Regulation alone accounts for 30% of the exam, it deserves proportionally more of your calendar than any other domain, followed closely by the three domains tied at 13%: Property and Casualty Insurance Basics, Homeowners Policy, and Commercial Package Policy.
Regulation and Foundations
- Work through Insurance Regulation in depth since it's 30% of the exam
- Layer in General Insurance basics alongside it for context
Property and Casualty Core
- Study Property and Casualty Insurance Basics thoroughly
- Move into Dwelling Policy and Homeowners Policy back to back since concepts overlap
Auto and Commercial Lines
- Cover Auto Insurance and Commercial Package Policy in detail
- Review Businessowners Policy and Workers' Compensation Insurance as lighter-weight domains
Review and Timed Practice
- Finish Other Coverages and Options
- Run full-length timed practice sessions matching the 2 hour 30 minute format
For a more granular week-by-week plan with specific practice targets, our MD-PC Study Guide 2026: How to Pass on Your First Attempt expands on this structure. And if you want a quick reference to keep nearby during final review, the MD-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the highest-yield facts into one page.
Once you understand where you're likely to struggle, practicing under realistic conditions matters. Running full practice exams on our MD-PC practice test platform helps you get comfortable with the four-option multiple-choice format and the pacing required to finish 130 total questions (120 scored, 10 unscored) inside the time limit.
Renewal and Continuing Education
Passing the MD-PC exam gets you licensed, but the license doesn't last indefinitely without upkeep. Maryland producer licenses renew on a biennial basis, and maintaining an active license requires completing 24 continuing education hours during each renewal period, with 3 of those hours specifically dedicated to ethics coursework. Planning your CE schedule early avoids a last-minute scramble before your renewal deadline.
If you're still confirming exactly what score you need to clear before any of this renewal planning becomes relevant, check MD-PC Passing Score 2026: Exactly What You Need to Pass, and for a realistic sense of how challenging candidates find the exam overall, How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026 and MD-PC Pass Rate 2026: What the Data Shows are useful companion reads.
Key Takeaway
Mark your renewal date the moment you're licensed, and start tracking your 24 CE hours - including the required 3 ethics hours - well before the deadline approaches.
Once you feel ready, testing yourself repeatedly under exam-like conditions on the MD-PC practice test site is one of the most direct ways to confirm you're prepared across all ten domains, not just the ones you find most comfortable. For broader context on training resources beyond practice questions, see MD-PC Training, and for a plain-language overview of the certification itself, What Is MD-PC Certification? and What Is A MD-PC? are good starting points if you're sharing this path with someone new to the industry.
Frequently Asked Questions
The exam includes 120 scored questions plus 10 unscored questions, for a total of 130 four-option multiple-choice items, completed within 2 hours and 30 minutes.
No. Maryland-approved prelicensing education is not required for candidates taking the exam on or after October 1, 2024.
The Series 20-32 exam fee is $62, administered through Prometric.
Yes. Prometric offers both in-person testing at a physical test center and remote proctoring through ProProctor.
Licenses renew biennially and require 24 continuing education hours per renewal period, including 3 hours of ethics coursework.