Best states for an insurance underwriter

Q: What is the best state for insurance underwriters?

The best state to be an insurance underwriter is Delaware based on insurance underwriter salaries and job opportunities.

Q: What is the highest paying state for insurance underwriters?

The highest paying state for insurance underwriters is Hawaii based on Zippia’s salary database.

Q: What is the worst state for insurance underwriters?

The worst state for insurance underwriters is Arkansas, due to a combination of low salaries and few job opportunities.

Quoted expert

Janet Ruiz

Rank 1 - 10
11 - 20
21 - 30
31 - 40
41 - 51

Do you want to become an insurance underwriter at State Farm Insurance Agency, and you wonder what that means or entails? We have the full list of best states for insurance underwriters that you can check out, before you begin your journey. Pay, benefits, and opportunities vary greatly by state, and it's no different for insurance underwriters. We found that Delaware is the best state in the nation for insurance underwriters, and people in Norwich earn the most in the field.

Delaware is the best state for jobs for insurance underwriters, and Arkansas is the worst. The most common pay in Delaware is $78,591, while the median pay in Arkansas is $49,427.We found that Delaware is the best state for insurance underwriter jobs, whereas Arkansas is the worst.

10 best states for insurance underwriters in 2025

1. Delaware
Total insurance underwriter jobs: 101
Average annual salary: $78,591
Lowest 10 percent earn: $47,000
Highest 10 percent earn: $131,000
Location Quotient:
1.41
Insurance underwriter jobs in Delaware
2. Pennsylvania
Total insurance underwriter jobs: 561
Average annual salary: $89,480
Lowest 10 percent earn: $54,000
Highest 10 percent earn: $147,000
Location Quotient:
0.84
Insurance underwriter jobs in Pennsylvania
3. Illinois
Total insurance underwriter jobs: 760
Average annual salary: $80,479
Lowest 10 percent earn: $48,000
Highest 10 percent earn: $134,000
Location Quotient:
1.11
Insurance underwriter jobs in Illinois
4. Connecticut
Total insurance underwriter jobs: 152
Average annual salary: $91,270
Lowest 10 percent earn: $57,000
Highest 10 percent earn: $145,000
Location Quotient:
0.8
Insurance underwriter jobs in Connecticut
5. Ohio
Total insurance underwriter jobs: 573
Average annual salary: $77,859
Lowest 10 percent earn: $46,000
Highest 10 percent earn: $131,000
Location Quotient:
0.98
Insurance underwriter jobs in Ohio
6. Maine
Total insurance underwriter jobs: 88
Average annual salary: $74,787
Lowest 10 percent earn: $48,000
Highest 10 percent earn: $115,000
Location Quotient:
1.16
Insurance underwriter jobs in Maine
7. North Dakota
Total insurance underwriter jobs: 80
Average annual salary: $70,357
Lowest 10 percent earn: $43,000
Highest 10 percent earn: $113,000
Location Quotient:
1.5
Insurance underwriter jobs in North Dakota
8. Massachusetts
Total insurance underwriter jobs: 264
Average annual salary: $90,818
Lowest 10 percent earn: $57,000
Highest 10 percent earn: $142,000
Location Quotient:
0.5
Insurance underwriter jobs in Massachusetts
9. Vermont
Total insurance underwriter jobs: 79
Average annual salary: $71,408
Lowest 10 percent earn: $45,000
Highest 10 percent earn: $111,000
Location Quotient:
1.8
Insurance underwriter jobs in Vermont
10. New Jersey
Total insurance underwriter jobs: 314
Average annual salary: $87,258
Lowest 10 percent earn: $53,000
Highest 10 percent earn: $142,000
Location Quotient:
0.69
Insurance underwriter jobs in New Jersey

Insurance underwriter jobsNear Columbus, OH

How Zippia determines the best states to be an insurance underwriter

You can read about how the best state rankings are calculated here.

Detailed list of the best states for an insurance underwriter

Rank	State	Average salary	Lowest 10% earn	Population	Job count
1	Delaware	$78,591	$47,000	961,939	101
2	Pennsylvania	$89,480	$54,000	12,805,537	561
3	Illinois	$80,479	$48,000	12,802,023	760
4	Connecticut	$91,270	$57,000	3,588,184	152
5	Ohio	$77,859	$46,000	11,658,609	573
6	Maine	$74,787	$48,000	1,335,907	88
7	North Dakota	$70,357	$43,000	755,393	80
8	Massachusetts	$90,818	$57,000	6,859,819	264
9	Vermont	$71,408	$45,000	623,657	79
10	New Jersey	$87,258	$53,000	9,005,644	314
11	New York	$87,021	$53,000	19,849,399	579
12	Rhode Island	$72,754	$46,000	1,059,639	85
13	New Hampshire	$83,529	$53,000	1,342,795	66
14	South Dakota	$63,759	$38,000	869,666	114
15	Kansas	$66,961	$38,000	2,913,123	204
16	Colorado	$68,189	$38,000	5,607,154	449
17	Indiana	$72,324	$42,000	6,666,818	305
18	Michigan	$69,795	$42,000	9,962,311	446
19	North Carolina	$70,530	$38,000	10,273,419	521
20	District of Columbia	$83,472	$49,000	693,972	52
21	Wisconsin	$71,660	$43,000	5,795,483	265
22	Iowa	$61,497	$36,000	3,145,711	303
23	Washington	$70,854	$41,000	7,405,743	354
24	Arizona	$58,248	$29,000	7,016,270	535
25	Minnesota	$66,660	$40,000	5,576,606	368
26	West Virginia	$61,419	$35,000	1,815,857	91
27	Montana	$59,526	$36,000	1,050,493	89
28	Wyoming	$55,329	$32,000	579,315	67
29	Georgia	$62,766	$33,000	10,429,379	529
30	Nevada	$57,214	$29,000	2,998,039	162
31	Kentucky	$59,835	$34,000	4,454,189	228
32	Oregon	$60,508	$34,000	4,142,776	262
33	Tennessee	$56,141	$30,000	6,715,984	379
34	Idaho	$54,396	$31,000	1,716,943	150
35	Missouri	$61,223	$34,000	6,113,532	313
36	Nebraska	$57,589	$33,000	1,920,076	133
37	Florida	$56,090	$26,000	20,984,400	901
38	Maryland	$64,104	$38,000	6,052,177	262
39	Virginia	$63,159	$36,000	8,470,020	366
40	California	$59,519	$29,000	39,536,653	1,577
41	Utah	$53,185	$29,000	3,101,833	234
42	Oklahoma	$55,608	$30,000	3,930,864	154
43	Alaska	$46,230	$30,000	739,795	74
44	Mississippi	$46,331	$23,000	2,984,100	224
45	Louisiana	$46,684	$23,000	4,684,333	291
46	New Mexico	$53,586	$27,000	2,088,070	110
47	Texas	$48,638	$24,000	28,304,596	1,373
48	South Carolina	$51,840	$27,000	5,024,369	255
49	Hawaii	$40,055	$26,000	1,427,538	67
50	Alabama	$47,339	$24,000	4,874,747	290
51	Arkansas	$49,427	$26,000	3,004,279	154

Highest paying states for insurance underwriters

Rank	State	Avg. Insurance Underwriter Salary
1	Delaware	$78,591
2	Pennsylvania	$89,480
3	Illinois	$80,479
4	Connecticut	$91,270
5	Ohio	$77,859
6	Maine	$74,787
7	North Dakota	$70,357
8	Massachusetts	$90,818
9	Vermont	$71,408
10	New Jersey	$87,258
11	New York	$87,021
12	Rhode Island	$72,754
13	New Hampshire	$83,529
14	South Dakota	$63,759
15	Kansas	$66,961
16	Colorado	$68,189
17	Indiana	$72,324
18	Michigan	$69,795
19	North Carolina	$70,530
20	District of Columbia	$83,472
21	Wisconsin	$71,660
22	Iowa	$61,497
23	Washington	$70,854
24	Arizona	$58,248
25	Minnesota	$66,660
26	West Virginia	$61,419
27	Montana	$59,526
28	Wyoming	$55,329
29	Georgia	$62,766
30	Nevada	$57,214
31	Kentucky	$59,835
32	Oregon	$60,508
33	Tennessee	$56,141
34	Idaho	$54,396
35	Missouri	$61,223
36	Nebraska	$57,589
37	Florida	$56,090
38	Maryland	$64,104
39	Virginia	$63,159
40	California	$59,519
41	Utah	$53,185
42	Oklahoma	$55,608
43	Alaska	$46,230
44	Mississippi	$46,331
45	Louisiana	$46,684
46	New Mexico	$53,586
47	Texas	$48,638
48	South Carolina	$51,840
49	Hawaii	$40,055
50	Alabama	$47,339
51	Arkansas	$49,427

Expert opinions on the best states for insurance underwriters

Are there any particularly good places in the United States for insurance underwriters to find work opportunities?
Janet Ruiz
Director – Strategic Communication, Insurance Information Institute
Underwriting jobs may be found at corporate home offices, specialized field offices, or regional offices of insurance companies. Insurance broker agencies also have underwriting positions. Commercial Business and Specialty, Auto and Homeowners insurance all use underwriters.

Insurance underwriter best states FAQs

What is the best state for insurance underwriters?

What is the highest paying state for insurance underwriters?

What is the worst state for insurance underwriters?

Have more questions? See all answers to common business and financial questions.

Search for insurance underwriter jobs

Updated January 8, 2025

Browse business and financial jobs

Total insurance underwriter jobs:	101
Average annual salary:	$78,591
Lowest 10 percent earn:	$47,000
Highest 10 percent earn:	$131,000
Location Quotient:	1.41

Best states for an insurance underwriter

10 best states for insurance underwriters in 2025

1. Delaware

2. Pennsylvania

3. Illinois

4. Connecticut

5. Ohio

6. Maine

7. North Dakota

8. Massachusetts

9. Vermont

10. New Jersey