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Best states for a personal lines underwriter
Quoted expert
Janet Ruiz
- Rank 1 - 10
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Do you want to become a personal lines underwriter at Nationwide Mutual Insurance Company, and you wonder what that means or entails? We have the full list of best states for personal lines underwriters that you can check out, before you begin your journey. Although there are abundant personal lines underwriter jobs in the United States, a large number of them are in the South. New York is the best state in the country for personal lines underwriter jobs.
New York is the best state for jobs for personal lines underwriters, and Louisiana is the worst. The most common pay in New York is $96,655, while the median pay in Louisiana is $51,299.We found that the South is best for personal lines underwriters, and the Northeast is the worst. New York, NY is the best city in the country for personal lines underwriter jobs, where as New York is the best state in the country.
10 best states for personal lines underwriters in 2026
1. New York
Total personal lines underwriter jobs: 757 Average annual salary: $96,655 Lowest 10 percent earn: $62,000 Highest 10 percent earn: $149,000 Location Quotient: 1.07
2. Michigan
Total personal lines underwriter jobs: 592 Average annual salary: $75,564 Lowest 10 percent earn: $48,000 Highest 10 percent earn: $117,000 Location Quotient: 1.39
3. Pennsylvania
Total personal lines underwriter jobs: 769 Average annual salary: $76,504 Lowest 10 percent earn: $48,000 Highest 10 percent earn: $119,000 Location Quotient: 1.2
4. Connecticut
Total personal lines underwriter jobs: 304 Average annual salary: $76,190 Lowest 10 percent earn: $49,000 Highest 10 percent earn: $117,000 Location Quotient: 1.67
5. Washington
Total personal lines underwriter jobs: 381 Average annual salary: $81,325 Lowest 10 percent earn: $51,000 Highest 10 percent earn: $128,000 Location Quotient: 0.95
6. New Jersey
Total personal lines underwriter jobs: 414 Average annual salary: $79,688 Lowest 10 percent earn: $51,000 Highest 10 percent earn: $123,000 Location Quotient: 0.95
7. North Dakota
Total personal lines underwriter jobs: 64 Average annual salary: $71,165 Lowest 10 percent earn: $46,000 Highest 10 percent earn: $108,000 Location Quotient: 1.25
8. Massachusetts
Total personal lines underwriter jobs: 322 Average annual salary: $88,574 Lowest 10 percent earn: $58,000 Highest 10 percent earn: $134,000 Location Quotient: 0.64
9. Colorado
Total personal lines underwriter jobs: 368 Average annual salary: $74,334 Lowest 10 percent earn: $46,000 Highest 10 percent earn: $118,000 Location Quotient: 1.13
10. Indiana
Total personal lines underwriter jobs: 366 Average annual salary: $72,769 Lowest 10 percent earn: $45,000 Highest 10 percent earn: $115,000 Location Quotient: 1.01
Personal lines underwriter jobsNear Columbus, OH
How Zippia determines the best states to be a personal lines underwriter
You can read about how the best state rankings are calculated here.
Detailed list of the best states for a personal lines underwriter
| Rank | State | Average salary | Lowest 10% earn | Population | Job count |
|---|---|---|---|---|---|
| 1 | New York | $96,655 | $62,000 | 19,849,399 | 757 |
| 2 | Michigan | $75,564 | $48,000 | 9,962,311 | 592 |
| 3 | Pennsylvania | $76,504 | $48,000 | 12,805,537 | 769 |
| 4 | Connecticut | $76,190 | $49,000 | 3,588,184 | 304 |
| 5 | Washington | $81,325 | $51,000 | 7,405,743 | 381 |
| 6 | New Jersey | $79,688 | $51,000 | 9,005,644 | 414 |
| 7 | North Dakota | $71,165 | $46,000 | 755,393 | 64 |
| 8 | Massachusetts | $88,574 | $58,000 | 6,859,819 | 322 |
| 9 | Colorado | $74,334 | $46,000 | 5,607,154 | 368 |
| 10 | Indiana | $72,769 | $45,000 | 6,666,818 | 366 |
| 11 | Illinois | $72,724 | $46,000 | 12,802,023 | 744 |
| 12 | Kansas | $69,421 | $43,000 | 2,913,123 | 202 |
| 13 | Delaware | $75,095 | $47,000 | 961,939 | 64 |
| 14 | Arizona | $69,213 | $41,000 | 7,016,270 | 492 |
| 15 | Wisconsin | $71,438 | $46,000 | 5,795,483 | 288 |
| 16 | New Hampshire | $77,300 | $50,000 | 1,342,795 | 48 |
| 17 | Minnesota | $70,899 | $46,000 | 5,576,606 | 362 |
| 18 | North Carolina | $67,415 | $40,000 | 10,273,419 | 620 |
| 19 | Texas | $66,571 | $38,000 | 28,304,596 | 1,399 |
| 20 | South Dakota | $64,912 | $41,000 | 869,666 | 70 |
| 21 | Ohio | $63,683 | $40,000 | 11,658,609 | 691 |
| 22 | Oregon | $68,003 | $42,000 | 4,142,776 | 282 |
| 23 | Maine | $68,804 | $45,000 | 1,335,907 | 65 |
| 24 | California | $75,711 | $45,000 | 39,536,653 | 1,451 |
| 25 | Rhode Island | $67,869 | $44,000 | 1,059,639 | 65 |
| 26 | District of Columbia | $80,381 | $50,000 | 693,972 | 47 |
| 27 | Virginia | $71,365 | $44,000 | 8,470,020 | 337 |
| 28 | Georgia | $68,251 | $40,000 | 10,429,379 | 382 |
| 29 | Nevada | $64,932 | $39,000 | 2,998,039 | 110 |
| 30 | Vermont | $66,418 | $43,000 | 623,657 | 40 |
| 31 | Iowa | $62,304 | $39,000 | 3,145,711 | 221 |
| 32 | Idaho | $63,272 | $40,000 | 1,716,943 | 93 |
| 33 | Wyoming | $59,243 | $38,000 | 579,315 | 42 |
| 34 | Missouri | $62,472 | $38,000 | 6,113,532 | 331 |
| 35 | Maryland | $69,306 | $43,000 | 6,052,177 | 258 |
| 36 | Utah | $61,339 | $38,000 | 3,101,833 | 181 |
| 37 | Montana | $64,782 | $42,000 | 1,050,493 | 47 |
| 38 | Florida | $59,780 | $33,000 | 20,984,400 | 856 |
| 39 | Kentucky | $60,145 | $37,000 | 4,454,189 | 179 |
| 40 | Oklahoma | $61,081 | $37,000 | 3,930,864 | 109 |
| 41 | Nebraska | $58,825 | $37,000 | 1,920,076 | 120 |
| 42 | West Virginia | $60,560 | $37,000 | 1,815,857 | 53 |
| 43 | Tennessee | $58,162 | $35,000 | 6,715,984 | 252 |
| 44 | New Mexico | $60,873 | $36,000 | 2,088,070 | 65 |
| 45 | South Carolina | $54,338 | $32,000 | 5,024,369 | 214 |
| 46 | Arkansas | $53,387 | $32,000 | 3,004,279 | 113 |
| 47 | Hawaii | $43,113 | $32,000 | 1,427,538 | 43 |
| 48 | Alaska | $51,349 | $36,000 | 739,795 | 38 |
| 49 | Mississippi | $51,566 | $30,000 | 2,984,100 | 102 |
| 50 | Alabama | $52,028 | $30,000 | 4,874,747 | 162 |
| 51 | Louisiana | $51,299 | $29,000 | 4,684,333 | 113 |
Highest paying states for personal lines underwriters
| Rank | State | Avg. Personal Lines Underwriter Salary |
|---|---|---|
| 1 | New York | $96,655 |
| 2 | Michigan | $75,564 |
| 3 | Pennsylvania | $76,504 |
| 4 | Connecticut | $76,190 |
| 5 | Washington | $81,325 |
| 6 | New Jersey | $79,688 |
| 7 | North Dakota | $71,165 |
| 8 | Massachusetts | $88,574 |
| 9 | Colorado | $74,334 |
| 10 | Indiana | $72,769 |
| 11 | Illinois | $72,724 |
| 12 | Kansas | $69,421 |
| 13 | Delaware | $75,095 |
| 14 | Arizona | $69,213 |
| 15 | Wisconsin | $71,438 |
| 16 | New Hampshire | $77,300 |
| 17 | Minnesota | $70,899 |
| 18 | North Carolina | $67,415 |
| 19 | Texas | $66,571 |
| 20 | South Dakota | $64,912 |
| 21 | Ohio | $63,683 |
| 22 | Oregon | $68,003 |
| 23 | Maine | $68,804 |
| 24 | California | $75,711 |
| 25 | Rhode Island | $67,869 |
| 26 | District of Columbia | $80,381 |
| 27 | Virginia | $71,365 |
| 28 | Georgia | $68,251 |
| 29 | Nevada | $64,932 |
| 30 | Vermont | $66,418 |
| 31 | Iowa | $62,304 |
| 32 | Idaho | $63,272 |
| 33 | Wyoming | $59,243 |
| 34 | Missouri | $62,472 |
| 35 | Maryland | $69,306 |
| 36 | Utah | $61,339 |
| 37 | Montana | $64,782 |
| 38 | Florida | $59,780 |
| 39 | Kentucky | $60,145 |
| 40 | Oklahoma | $61,081 |
| 41 | Nebraska | $58,825 |
| 42 | West Virginia | $60,560 |
| 43 | Tennessee | $58,162 |
| 44 | New Mexico | $60,873 |
| 45 | South Carolina | $54,338 |
| 46 | Arkansas | $53,387 |
| 47 | Hawaii | $43,113 |
| 48 | Alaska | $51,349 |
| 49 | Mississippi | $51,566 |
| 50 | Alabama | $52,028 |
| 51 | Louisiana | $51,299 |
Expert opinions on the best states for personal lines underwriters
Are there any particularly good places in the United States for personal lines 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.
Personal lines underwriter best states FAQs
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Updated January 8, 2025