Personal lines underwriter demographics and statistics in the US
Personal lines underwriter demographics research summary. Zippia estimates personal lines underwriter demographics and statistics in the United States by using a database of 30 million profiles. Our personal lines underwriter estimates are verified against BLS, Census, and current job openings data for accuracy. Zippia's data science team found the following key facts about personal lines underwriters after extensive research and analysis:
- There are over 8,499 personal lines underwriters currently employed in the United States.
- 56.9% of all personal lines underwriters are women, while 43.1% are men.
- The average personal lines underwriter age is 44 years old.
- The most common ethnicity of personal lines underwriters is White (72.5%), followed by Hispanic or Latino (9.8%), Black or African American (9.2%) and Asian (5.7%).
- Personal lines underwriters are most in-demand in Scottsdale, AZ.
- New York, NY pays an annual average wage of $96,649, the highest in the US.
- In 2022, women personal lines underwriters earned 96% of what men earned.
- New York is the best state for personal lines underwriters to live.
- Personal lines underwriters are 75% more likely to work at private companies in comparison to public companies.
On this page
Personal lines underwriter demographics by:
Personal lines underwriter gender statistics
56.9% of personal lines underwriters are women and 43.1% of personal lines underwriters are men.
- Female, 56.9%
- Male, 43.1%
Personal lines underwriter gender ratio
| Gender | Percentages |
|---|---|
| Female | 56.9% |
| Male | 43.1% |
Personal lines underwriter gender pay gap
Women earn 96¢ for every $1 earned by men
Male income
$71,778
Female income
$69,041
Personal lines underwriter gender ratio over time
This data breaks down the percentage of men and women in personal lines underwriter positions over time. Currently, 56.9% of personal lines underwriters are female.
Personal lines underwriter gender ratio by year
| Year | Male | Female |
|---|---|---|
| 2010 | 34.01% | 65.99% |
| 2011 | 37.56% | 62.44% |
| 2012 | 36.12% | 63.88% |
| 2013 | 39.18% | 60.82% |
| 2014 | 38.25% | 61.75% |
| 2015 | 41.13% | 58.87% |
| 2016 | 42.32% | 57.68% |
| 2017 | 40.18% | 59.82% |
| 2018 | 42.25% | 57.75% |
| 2019 | 46.63% | 53.37% |
| 2020 | 40.15% | 59.85% |
| 2021 | 43.05% | 56.95% |
Personal lines underwriter related jobs gender ratio
We compared personal lines underwriters with similar job titles to see how gender ratios vary. As you can see, renewable energy system finance specialist and chartered finance analyst have the biggest gender ratio gaps.
| Job title | Male | Female |
|---|---|---|
| Escrow Officer | 15% | 85% |
| Customs Verifier | 20% | 80% |
| Credit Assistant | 20% | 80% |
| Personal Lines Underwriter | 43% | 57% |
| Head Analyst | 86% | 14% |
| Chartered Finance Analyst | 90% | 10% |
| Renewable Energy System Finance Specialist | 92% | 8% |
Male
Female
100%
75%
50%
25%
0%
0%
25%
50%
75%
100%
Personal lines underwriter demographics by race
The most common ethnicity among personal lines underwriters is White, which makes up 72.5% of all personal lines underwriters. Comparatively, 9.8% of personal lines underwriters are Hispanic or Latino and 9.2% of personal lines underwriters are Black or African American.
- White, 72.5%
- Hispanic or Latino, 9.8%
- Black or African American, 9.2%
- Asian, 5.7%
- Unknown, 2.5%
- American Indian and Alaska Native, 0.3%
Personal lines underwriter race
| Personal lines underwriter race | Percentages |
|---|---|
| White | 72.5% |
| Hispanic or Latino | 9.8% |
| Black or African American | 9.2% |
| Asian | 5.7% |
| Unknown | 2.5% |
| American Indian and Alaska Native | 0.3% |
Personal lines underwriter race and ethnicity over time
See how personal lines underwriter racial and ethnic diversity trended since 2010 according to the United States Census Bureau data.
Personal lines underwriter race and ethnicity by year
| Year | White | Black or African American | Asian | Hispanic or Latino |
|---|---|---|---|---|
| 2010 | 74.27% | 9.73% | 5.51% | 8.65% |
| 2011 | 73.82% | 10.92% | 4.62% | 8.83% |
| 2012 | 72.15% | 10.66% | 6.06% | 9.88% |
| 2013 | 73.60% | 10.40% | 6.09% | 7.83% |
| 2014 | 73.04% | 11.39% | 4.62% | 9.21% |
| 2015 | 71.55% | 11.25% | 5.43% | 9.84% |
| 2016 | 70.47% | 11.89% | 5.03% | 10.47% |
| 2017 | 71.32% | 8.88% | 7.74% | 10.15% |
| 2018 | 71.94% | 8.96% | 7.15% | 9.96% |
| 2019 | 71.10% | 10.25% | 6.50% | 9.88% |
| 2020 | 69.60% | 10.32% | 5.28% | 11.18% |
| 2021 | 72.48% | 9.16% | 5.70% | 9.81% |
Personal lines underwriter wage gap by race
According to our data, unknown personal lines underwriters have the highest average salary compared to other ethnicities. Black or african american personal lines underwriters have the lowest average salary at $65,658.
| Ethnicity | Salary |
|---|---|
| Unknown | $75,813 |
| White | $73,577 |
| Black or African American | $65,658 |
| Asian | $73,272 |
| Hispanic or Latino | $70,997 |
Average personal lines underwriter age
See how the average age of personal lines underwriters varies based on ethnicity and gender.
Male
Female
Personal lines underwriter age by race and gender
| Race | Male age | Female age |
|---|---|---|
| Unknown | 45 | |
| White | 38 | 47.5 |
| Black or African American | 45.5 | 50.5 |
| Asian | 38 | 41 |
| Hispanic or Latino | 40.5 | 47.5 |
Personal lines underwriter age breakdown
The average age of personal lines underwriters is 40+ years years old, representing 61% of the personal lines underwriter population.
Personal lines underwriter age breakdown
| Personal Lines Underwriter Years | Percentages |
|---|---|
| 40+ years | 61% |
| 30-40 years | 27% |
| 20-30 years | 11% |
Personal lines underwriter educational attainment
The most common degree for personal lines underwriters is bachelor's degree, with 64% of personal lines underwriters earning that degree. The second and third most common degree levels are associate degree degree at 14% and associate degree degree at 11%.
- Bachelor's, 64%
- Associate, 14%
- High School Diploma, 11%
- Master's, 5%
- Other Degrees, 6%
Personal lines underwriters by degree level
| Personal lines underwriter degree | Percentages |
|---|---|
| Bachelor's | 64% |
| Associate | 14% |
| High School Diploma | 11% |
| Master's | 5% |
| Other Degrees | 6% |
Personal lines underwriter jobs you might like
Personal lines underwriter wage gap by degree level
According to the data, personal lines underwriters with a Master's degree earn more than those without, at $94,360 annually. With a Bachelor's degree, personal lines underwriters earn a median annual income of $78,569 compared to $58,470 for personal lines underwriters with an Associate degree.
| Education | Salary |
|---|---|
| Master's Degree | $94,360 |
| High School Diploma or Less | $56,648 |
| Bachelor's Degree | $78,569 |
| Some College/ Associate Degree | $58,470 |
Personal lines underwriter employment statistics
Most personal lines underwriters work for a private in the insurance industry.
Company size where personal lines underwriters work
Below, you can see the size of companies where personal lines underwriters work.
Personal lines underwriter jobs by employer size
| Company size | Percentages |
|---|---|
| < 50 employees | 7% |
| 50 - 100 employees | 17% |
| 100 - 500 employees | 19% |
| 500 - 1,000 employees | 12% |
| 1,000 - 10,000 employees | 25% |
| > 10,000 employees | 20% |
Personal lines underwriter jobs by company type
Employees with the personal lines underwriter job title have their preferences when it comes to working for a company. For instance, most personal lines underwriters prefer to work at private companies over public companies.
Personal lines underwriter jobs by sector
| Company type | Percentages |
|---|---|
| Education | 1% |
| Public | 22% |
| Private | 75% |
| Government | 3% |
Personal lines underwriter jobs by industry
The most common industries for personal lines underwriters are insurance, manufacturing and finance.
Personal lines underwriter industry statistics
| Industry | Percentages |
|---|---|
| Insurance | 39% |
| Fortune 500 | 11% |
| Manufacturing | 9% |
| Finance | 7% |
| Hospitality | 6% |
| Professional | 5% |
| Transportation | 3% |
| Media | 2% |
| Government | 2% |
| Utilities | 2% |
| Retail | 2% |
| Technology | 2% |
| Start-up | 2% |
| Energy | 2% |
| Automotive | 1% |
| Construction | 1% |
| Health Care | 1% |
| Telecommunication | 1% |
| Education | 1% |
| Agriculture | 1% |
Personal lines underwriter turnover and employment statistics
Personal lines underwriter unemployment rate over time
The unemployment rate for personal lines underwriters between 2008 and the most recent data has varied, according to the Bureau of Labor Statistics.
Personal lines underwriter unemployment rate by year
| Year | Personal lines underwriter unemployment rate |
|---|---|
| 2010 | 3.82% |
| 2011 | 3.75% |
| 2012 | 3.22% |
| 2013 | 3.64% |
| 2014 | 2.32% |
| 2015 | 1.60% |
| 2016 | 1.56% |
| 2017 | 2.16% |
| 2018 | 1.88% |
| 2019 | 1.22% |
| 2020 | 1.67% |
| 2021 | 2.13% |
Average personal lines underwriter tenure
The average personal lines underwriter stays at their job for 1-2 years, based on the 2,533 personal lines underwriters resumes in Zippia's database.
Personal lines underwriter tenure statistics
| Number of years | Percentages |
|---|---|
| Less than 1 year | 15% |
| 1-2 years | 31% |
| 3-4 years | 18% |
| 5-7 years | 18% |
| 8-10 years | 7% |
| 11+ years | 11% |
Personal lines underwriter LGBT ratio compared to similar jobs
Review the percent of personal lines underwriters that are members of the LGBT community. You can see how this compares to similar jobs in the chart below.
| Job title | LGBT | Job openings |
|---|---|---|
| Investment Banking Analyst | 7.33% | 52,791 |
| Internal Audit Internship | 7.40% | 62,780 |
| Tax Evaluator | 7.56% | 26,823 |
| Income Tax Adjuster | 7.65% | 32,429 |
| Personal Lines Underwriter | 8.77% | - |
| Senior Cost Analyst | 12.94% | 53,872 |
| Bank Examiner | 19.38% | 5,079 |
Similar personal lines underwriter jobs LGBT demographics
| Profession | Percentages of LGBT | Job openings |
|---|---|---|
| Investment Banking Analyst | 7.33% | 52,791 |
| Internal Audit Internship | 7.40% | 62,780 |
| Tax Evaluator | 7.56% | 26,823 |
| Income Tax Adjuster | 7.65% | 32,429 |
| Senior Cost Analyst | 12.94% | 53,872 |
| Bank Examiner | 19.38% | 5,079 |
Foreign languages spoken by personal lines underwriters
The most common foreign language among personal lines underwriters is Spanish at 59.6%. The second-most popular foreign language spoken is Carrier at 8.8% and Arabic is the third-most popular at 5.3%.
- Spanish, 59.6%
- Carrier, 8.8%
- Arabic, 5.3%
- Chinese, 3.5%
- Mandarin, 3.5%
- Other, 19.3%
Personal lines underwriter languages spoken
| Foreign language | Percentages |
|---|---|
| Spanish | 59.6% |
| Carrier | 8.8% |
| Arabic | 5.3% |
| Chinese | 3.5% |
| Mandarin | 3.5% |
| Other | 19.3% |
