Finance50% remote-eligible+2% YoY growth

Insurance Underwriter Salary
by City (2026)

Evaluate insurance applications and determine coverage terms and premiums. National median: $78K/year. See how your city compares.

National median

$78K

Top 10% earn

$132K

Entry level

$58K

Salary growth

+2%/yr

Insurance Underwriter salary by city

Sorted by median salary

City	Entry	Median	Senior	COL	Tax
San Francisco, CA	$87K	$117K	$153K	224	9.3%
San Jose, CA	$84K	$113K	$148K	210	9.3%
Jersey City, NJ	$82K	$111K	$145K	162	10.75%
New York City, NY	$82K	$110K	$144K	187	6.85%
Cambridge, MA	$81K	$110K	$143K	185	5%
Pearl City, HI	$81K	$110K	$143K	185	11%
Oakland, CA	$80K	$108K	$141K	185	9.3%
Washington, DC	$80K	$108K	$141K	152	8.5%
Bellevue, WA	$79K	$106K	$139K	175	None ✓
Irvine, CA	$78K	$105K	$137K	172	9.3%
Newark, NJ	$78K	$105K	$138K	155	10.75%
Boston, MA	$77K	$103K	$135K	162	5%
Yonkers, NY	$76K	$102K	$134K	165	6.85%
Bethesda, MD	$76K	$102K	$134K	165	5.75%
Los Angeles, CA	$75K	$101K	$133K	163	9.3%
Kirkland, WA	$75K	$101K	$132K	162	None ✓
Arlington, VA	$75K	$101K	$133K	148	5.75%
Seattle, WA	$74K	$100K	$131K	150	None ✓
Stamford, CT	$74K	$100K	$131K	158	6.99%
Hilo, HI	$73K	$99K	$129K	155	11%
San Diego, CA	$73K	$98K	$128K	148	9.3%
Santa Ana, CA	$72K	$97K	$127K	150	9.3%
Anaheim, CA	$72K	$96K	$126K	148	9.3%
Rockville, MD	$72K	$96K	$126K	148	5.75%
Long Beach, CA	$71K	$95K	$124K	155	9.3%
Alexandria, VA	$71K	$95K	$125K	145	5.75%
Elizabeth, NJ	$71K	$95K	$125K	145	10.75%
Chicago, IL	$70K	$94K	$122K	107	4.95%
Chula Vista, CA	$69K	$93K	$121K	138	9.3%
Paterson, NJ	$69K	$93K	$122K	140	10.75%
Edison, NJ	$69K	$93K	$121K	138	10.75%
Fairbanks, AK	$69K	$93K	$121K	138	None ✓
Sacramento, CA	$68K	$92K	$120K	128	9.3%
Miami, FL	$68K	$92K	$120K	123	None ✓
Scottsdale, AZ	$67K	$90K	$117K	118	2.5%
Denver, CO	$67K	$90K	$117K	118	4.55%
Worcester, MA	$67K	$90K	$117K	120	5%
Philadelphia, PA	$67K	$90K	$117K	110	3.07%
Portland, OR	$67K	$90K	$117K	130	9.9%
Baltimore, MD	$67K	$90K	$117K	115	5.75%
Hartford, CT	$67K	$90K	$117K	118	6.99%
Honolulu, HI	$67K	$90K	$117K	192	11%
Dallas, TX	$66K	$89K	$116K	96	None ✓
Plano, TX	$65K	$87K	$114K	105	None ✓
Atlanta, GA	$65K	$87K	$114K	99	5.75%
Minneapolis, MN	$65K	$87K	$114K	106	6.8%
New Haven, CT	$65K	$87K	$114K	122	6.99%
Austin, TX	$64K	$86K	$112K	110	None ✓
Frisco, TX	$64K	$86K	$112K	118	None ✓
Riverside, CA	$64K	$86K	$112K	118	9.3%
Fort Lauderdale, FL	$64K	$86K	$112K	118	None ✓
Naperville, IL	$64K	$86K	$112K	118	4.95%
Tacoma, WA	$64K	$86K	$112K	128	None ✓
Vancouver, WA	$64K	$86K	$112K	118	None ✓
Lowell, MA	$64K	$86K	$112K	118	5%
Charlotte, NC	$64K	$86K	$112K	100	4.75%
Gresham, OR	$64K	$86K	$112K	118	9.9%
Bridgeport, CT	$64K	$86K	$112K	118	6.99%
Manchester, NH	$64K	$86K	$112K	118	None ✓
Nashua, NH	$64K	$86K	$113K	120	None ✓
Burlington, VT	$64K	$86K	$112K	118	6.6%
Providence, RI	$64K	$86K	$112K	118	5.99%
Anchorage, AK	$64K	$86K	$112K	128	None ✓
Hialeah, FL	$63K	$85K	$111K	115	None ✓
Hollywood, FL	$63K	$85K	$111K	115	None ✓
Lakewood, CO	$63K	$85K	$111K	115	4.55%
Ann Arbor, MI	$63K	$85K	$111K	115	4.25%
Frederick, MD	$63K	$85K	$111K	115	5.75%
Portland, ME	$63K	$85K	$111K	115	7.15%
Concord, NH	$63K	$85K	$111K	115	None ✓
Warwick, RI	$63K	$85K	$111K	115	5.99%
Irving, TX	$63K	$84K	$110K	97	None ✓
McKinney, TX	$63K	$84K	$110K	108	None ✓
Aurora, CO	$63K	$84K	$110K	112	4.55%
St. Paul, MN	$63K	$84K	$110K	104	6.8%
Salt Lake City, UT	$63K	$84K	$110K	105	4.85%
Houston, TX	$61K	$83K	$108K	91	None ✓
Pembroke Pines, FL	$62K	$83K	$109K	112	None ✓
Fort Collins, CO	$62K	$83K	$109K	112	4.55%
Cary, NC	$62K	$83K	$109K	112	4.75%
Eugene, OR	$62K	$83K	$108K	110	9.9%
Round Rock, TX	$61K	$82K	$107K	108	None ✓
Tampa, FL	$61K	$82K	$107K	102	None ✓
Phoenix, AZ	$61K	$82K	$107K	100	2.5%
Chandler, AZ	$61K	$82K	$107K	105	2.5%
Gilbert, AZ	$61K	$82K	$107K	108	2.5%
Tempe, AZ	$61K	$82K	$107K	108	2.5%
Thornton, CO	$61K	$82K	$107K	108	4.55%
Raleigh, NC	$61K	$82K	$107K	102	4.75%
Durham, NC	$61K	$82K	$107K	100	4.75%
Nashville, TN	$61K	$82K	$107K	102	None ✓
Boise, ID	$61K	$82K	$107K	108	5.8%
Wilmington, DE	$61K	$82K	$107K	108	6.6%
Stockton, CA	$60K	$81K	$106K	105	9.3%
Springfield, MA	$60K	$81K	$106K	105	5%
Salem, OR	$60K	$81K	$106K	105	9.9%
Henderson, NV	$60K	$81K	$106K	105	None ✓
Meridian, ID	$60K	$81K	$106K	105	5.8%
Fort Worth, TX	$59K	$80K	$104K	93	None ✓
Carrollton, TX	$59K	$80K	$105K	102	None ✓
Orlando, FL	$59K	$80K	$104K	100	None ✓
Richmond, VA	$59K	$80K	$104K	98	5.75%
Provo, UT	$59K	$80K	$104K	100	4.85%
Missoula, MT	$59K	$80K	$105K	102	6.75%
Denton, TX	$59K	$79K	$104K	100	None ✓
San Bernardino, CA	$59K	$79K	$104K	100	9.3%
Cape Coral, FL	$59K	$79K	$104K	100	None ✓
Peoria, AZ	$59K	$79K	$104K	100	2.5%
Rochester, MN	$59K	$79K	$104K	100	6.8%
West Jordan, UT	$59K	$79K	$104K	100	4.85%
Overland Park, KS	$59K	$79K	$104K	100	5.7%
Dover, DE	$59K	$79K	$104K	100	6.6%
Arlington, TX	$58K	$78K	$102K	94	None ✓
Garland, TX	$58K	$78K	$102K	91	None ✓
Albany, NY	$58K	$78K	$103K	98	6.85%
St. Petersburg, FL	$58K	$78K	$102K	105	None ✓
Port St. Lucie, FL	$58K	$78K	$103K	98	None ✓
Mesa, AZ	$58K	$78K	$102K	98	2.5%
Chesapeake, VA	$58K	$78K	$103K	98	5.75%
Columbus, OH	$58K	$78K	$102K	90	3.99%
Cincinnati, OH	$58K	$78K	$102K	88	3.99%
Pittsburgh, PA	$58K	$78K	$102K	90	3.07%
Las Vegas, NV	$58K	$78K	$102K	102	None ✓
Reno, NV	$58K	$78K	$102K	108	None ✓
North Las Vegas, NV	$58K	$78K	$103K	98	None ✓
West Valley City, UT	$58K	$78K	$103K	98	4.85%
Orem, UT	$58K	$78K	$103K	98	4.85%
Des Moines, IA	$58K	$78K	$102K	88	4.82%
Nampa, ID	$58K	$78K	$103K	98	5.8%
Billings, MT	$58K	$78K	$103K	98	6.75%
Lewiston, ME	$58K	$78K	$103K	98	7.15%
Bakersfield, CA	$58K	$77K	$101K	95	9.3%
Aurora, IL	$58K	$77K	$101K	95	4.95%
Glendale, AZ	$58K	$77K	$101K	95	2.5%
Norfolk, VA	$58K	$77K	$101K	95	5.75%
Newport News, VA	$58K	$77K	$101K	95	5.75%
Allentown, PA	$58K	$77K	$101K	95	3.07%
North Charleston, SC	$58K	$77K	$101K	95	6.5%
Grand Prairie, TX	$56K	$76K	$99K	90	None ✓
Midland, TX	$57K	$76K	$100K	92	None ✓
Jacksonville, FL	$57K	$76K	$100K	93	None ✓
Tallahassee, FL	$56K	$76K	$99K	90	None ✓
Joliet, IL	$56K	$76K	$99K	90	4.95%
Athens, GA	$57K	$76K	$100K	92	5.75%
Virginia Beach, VA	$57K	$76K	$100K	98	5.75%
Sterling Heights, MI	$56K	$76K	$99K	90	4.25%
Kansas City, MO	$57K	$76K	$100K	90	5.3%
St. Louis, MO	$57K	$76K	$100K	86	5.3%
Madison, WI	$57K	$76K	$100K	102	5.3%
Kenosha, WI	$56K	$76K	$99K	90	5.3%
Duluth, MN	$57K	$76K	$100K	92	6.8%
Charleston, SC	$57K	$76K	$100K	105	6.5%
Greenville, SC	$57K	$76K	$100K	92	6.5%
Omaha, NE	$57K	$76K	$100K	88	5.84%
Cheyenne, WY	$57K	$76K	$100K	92	None ✓
Fargo, ND	$56K	$76K	$99K	90	2.5%
Pasadena, TX	$56K	$75K	$98K	88	None ✓
Mesquite, TX	$56K	$75K	$98K	88	None ✓
Syracuse, NY	$56K	$75K	$98K	88	6.85%
Gainesville, FL	$56K	$75K	$98K	88	None ✓
Colorado Springs, CO	$56K	$75K	$98K	102	4.55%
Greensboro, NC	$56K	$75K	$98K	88	4.75%
Chattanooga, TN	$56K	$75K	$98K	88	None ✓
Detroit, MI	$56K	$75K	$98K	82	4.25%
Indianapolis, IN	$56K	$75K	$98K	88	3.23%
Milwaukee, WI	$56K	$75K	$98K	90	5.3%
Green Bay, WI	$56K	$75K	$98K	88	5.3%
Lexington, KY	$56K	$75K	$98K	88	5%
Great Falls, MT	$56K	$75K	$98K	88	6.75%
Casper, WY	$56K	$75K	$98K	88	None ✓
Bismarck, ND	$56K	$75K	$98K	88	2.5%
Sioux Falls, SD	$56K	$75K	$98K	88	None ✓
Rapid City, SD	$56K	$75K	$98K	88	None ✓
San Antonio, TX	$55K	$74K	$97K	87	None ✓
Beaumont, TX	$55K	$74K	$97K	85	None ✓
Odessa, TX	$55K	$74K	$97K	85	None ✓
Tyler, TX	$55K	$74K	$97K	85	None ✓
Fresno, CA	$55K	$74K	$97K	102	9.3%
Buffalo, NY	$55K	$74K	$97K	88	6.85%
Rochester, NY	$55K	$74K	$97K	90	6.85%
Winston-Salem, NC	$55K	$74K	$97K	85	4.75%
Warren, MI	$55K	$74K	$97K	85	4.25%
Lansing, MI	$55K	$74K	$97K	85	4.25%
Independence, MO	$55K	$74K	$97K	85	5.3%
Louisville, KY	$55K	$74K	$97K	85	5%
Huntsville, AL	$55K	$74K	$97K	88	5%
Lafayette, LA	$55K	$74K	$97K	85	6%
Cedar Rapids, IA	$55K	$74K	$97K	85	4.82%
Kansas City, KS	$55K	$74K	$97K	85	5.7%
Lincoln, NE	$55K	$74K	$97K	85	5.84%
Rio Rancho, NM	$55K	$74K	$97K	85	5.9%
Fayetteville, AR	$55K	$74K	$97K	85	4.9%
Amarillo, TX	$54K	$73K	$95K	82	None ✓
Waco, TX	$54K	$73K	$95K	82	None ✓
Pueblo, CO	$54K	$73K	$95K	82	4.55%
Columbus, GA	$54K	$73K	$95K	82	5.75%
Augusta, GA	$54K	$73K	$95K	82	5.75%
Fayetteville, NC	$54K	$73K	$95K	82	4.75%
Clarksville, TN	$54K	$73K	$95K	82	None ✓
South Bend, IN	$54K	$73K	$95K	82	3.23%
Mobile, AL	$54K	$73K	$95K	82	5%
Broken Arrow, OK	$54K	$73K	$95K	82	4.75%
Davenport, IA	$54K	$73K	$95K	82	4.82%
Killeen, TX	$54K	$72K	$94K	80	None ✓
Rockford, IL	$54K	$72K	$94K	80	4.95%
Macon, GA	$54K	$72K	$94K	80	5.75%
Cleveland, OH	$53K	$72K	$94K	82	3.99%
Akron, OH	$54K	$72K	$94K	80	3.99%
Dayton, OH	$54K	$72K	$94K	80	3.99%
Erie, PA	$54K	$72K	$94K	80	3.07%
Springfield, MO	$54K	$72K	$94K	80	5.3%
Fort Wayne, IN	$54K	$72K	$94K	80	3.23%
Bowling Green, KY	$54K	$72K	$94K	80	5%
Birmingham, AL	$53K	$72K	$94K	82	5%
Montgomery, AL	$54K	$72K	$94K	80	5%
Norman, OK	$54K	$72K	$94K	80	4.75%
New Orleans, LA	$53K	$72K	$94K	92	6%
Las Cruces, NM	$54K	$72K	$94K	80	5.9%
Gulfport, MS	$54K	$72K	$94K	80	5%
Abilene, TX	$53K	$71K	$93K	78	None ✓
Toledo, OH	$53K	$71K	$93K	78	3.99%
Evansville, IN	$53K	$71K	$93K	78	3.23%
Shreveport, LA	$53K	$71K	$93K	78	6%
Jackson, MS	$53K	$71K	$93K	78	5%
Charleston, WV	$53K	$71K	$93K	78	6.5%
Brownsville, TX	$52K	$70K	$92K	75	None ✓
Spokane, WA	$52K	$70K	$92K	95	None ✓
Memphis, TN	$52K	$70K	$92K	82	None ✓
Grand Rapids, MI	$52K	$70K	$92K	90	4.25%
Columbia, SC	$52K	$70K	$92K	88	6.5%
Oklahoma City, OK	$52K	$70K	$92K	82	4.75%
Baton Rouge, LA	$52K	$70K	$92K	88	6%
Fort Smith, AR	$52K	$70K	$92K	75	4.9%
Huntington, WV	$52K	$70K	$92K	75	6.5%
Corpus Christi, TX	$51K	$69K	$90K	84	None ✓
Tucson, AZ	$51K	$69K	$90K	90	2.5%
Savannah, GA	$51K	$69K	$90K	92	5.75%
Knoxville, TN	$51K	$69K	$90K	85	None ✓
Tulsa, OK	$51K	$69K	$90K	80	4.75%
Albuquerque, NM	$51K	$69K	$90K	88	5.9%
Wichita, KS	$50K	$67K	$88K	82	5.7%
El Paso, TX	$49K	$66K	$87K	82	None ✓
Little Rock, AR	$49K	$66K	$87K	82	4.9%
Lubbock, TX	$48K	$64K	$84K	78	None ✓
Laredo, TX	$45K	$61K	$80K	76	None ✓

COL-adjusted: where does your salary go furthest?

A $78K Insurance Underwriter salary in Houston (COL 91, no tax) has significantly more purchasing power than the same salary in San Francisco (COL 224, 9.3% state tax). Use our calculator to see the real numbers.

Try COL Calculator →

Insurance Underwriter Salary Guide (2026)

The national median salary for a Insurance Underwriter is $78,000 per year. Entry-level positions typically start at $58,000, while experienced professionals in the top 25% earn $102,000 or more. The highest-paid 10% of Insurance Underwriters nationally earn $132,000+.

Education and requirements

Bachelor's in Finance or Business; CPCU designation. This role is 50% remote-eligible nationally, which significantly expands the geographic job market for workers in lower cost-of-living cities.

Salary growth outlook

Insurance Underwriter compensation is growing at 2% annually, near the national average wage growth rate.

Insurance Underwriter salary FAQ

How much does a Insurance Underwriter make?

The median Insurance Underwriter salary in the US is $78,000 per year — about $38/hour. Most earn between $58,000 (25th percentile) and $102,000 (75th percentile).

What is the starting salary for a Insurance Underwriter?

Entry-level Insurance Underwriter positions typically start around $58,000 per year. Pay rises with experience, specialization, and location.

How much do the highest-paid Insurance Underwriters earn?

The top 10% of Insurance Underwriters earn $132,000 or more per year — usually senior, lead, or specialized professionals in high-cost or high-demand markets.

Which city pays Insurance Underwriters the most?

San Francisco has the highest median Insurance Underwriter salary at $117K among the cities we track. But high-cost metros like San Francisco and New York often have lower real purchasing power once cost of living and taxes are factored in.

Are Insurance Underwriter salaries going up?

Yes — Insurance Underwriter pay is growing about 2% year over year, near the US average wage-growth rate.

Insurance Underwriter Salaryby City (2026)