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Personal lines underwriter salary
Average personal lines underwriter salary
$69,706
Average Personal Lines Underwriter Salary
The average salary for a Personal Lines Underwriter stands at $69,706 annually, translating to approximately $34 per hour. Salaries can vary significantly based on factors such as geographic location, years of experience, and the specific company. For instance, underwriters in states like California and New York tend to earn more due to higher living costs and demand for skilled professionals.
Factors Influencing Salary
Experience plays a vital role in determining salary levels. Entry-level personal lines underwriters typically earn lower salaries, while those with several years in the field can see substantial increases. Additionally, advanced certifications or specialized skills can lead to higher positions and enhanced earnings.
Job Opportunities
There is a steady demand for personal lines underwriters as the insurance industry continues to grow. Job seekers can find opportunities in various settings, including insurance companies, brokerage firms, and financial institutions. Pursuing a career in this field offers not only competitive salaries but also the potential for career advancement within the industry.
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Where can a Personal Lines Underwriter earn more?
Personal lines underwriter salaries by experience level
| Experience level | Avg. salary | Hourly rate |
|---|---|---|
| Entry-level personal lines underwriter | $40,200 | $19.33 |
| Mid-level personal lines underwriter | $68,000 | $32.68 |
| Senior-level personal lines underwriter | $118,000 | $56.91 |
Personal lines underwriter salary estimates from across the web
Average personal lines underwriter salary by state
The average personal lines underwriter salary in New York, Massachusetts, and Washington are the highest in the U.S. The lowest average personal lines underwriter salary states are Arkansas, Alabama, and Mississippi.
- State view
- County view
Highest paying states for personal lines underwriters
| Rank | State | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | New York | $96,655 | $46.47 |
| 2 | Michigan | $75,564 | $36.33 |
| 3 | Pennsylvania | $76,504 | $36.78 |
| 4 | Connecticut | $76,190 | $36.63 |
| 5 | Washington | $81,325 | $39.10 |
| 6 | New Jersey | $79,688 | $38.31 |
| 7 | North Dakota | $71,165 | $34.21 |
| 8 | Massachusetts | $88,574 | $42.58 |
| 9 | Colorado | $74,334 | $35.74 |
| 10 | Indiana | $72,769 | $34.99 |
| 11 | Illinois | $72,724 | $34.96 |
| 12 | Kansas | $69,421 | $33.38 |
| 13 | Delaware | $75,095 | $36.10 |
| 14 | Arizona | $69,213 | $33.28 |
| 15 | Wisconsin | $71,438 | $34.35 |
| 16 | New Hampshire | $77,300 | $37.16 |
| 17 | Minnesota | $70,899 | $34.09 |
| 18 | North Carolina | $67,415 | $32.41 |
| 19 | Texas | $66,571 | $32.01 |
| 20 | South Dakota | $64,912 | $31.21 |
| 21 | Ohio | $63,683 | $30.62 |
| 22 | Oregon | $68,003 | $32.69 |
| 23 | Maine | $68,804 | $33.08 |
| 24 | California | $75,711 | $36.40 |
| 25 | Rhode Island | $67,869 | $32.63 |
| 26 | District of Columbia | $80,381 | $38.64 |
| 27 | Virginia | $71,365 | $34.31 |
| 28 | Georgia | $68,251 | $32.81 |
| 29 | Nevada | $64,932 | $31.22 |
| 30 | Vermont | $66,418 | $31.93 |
| 31 | Iowa | $62,304 | $29.95 |
| 32 | Idaho | $63,272 | $30.42 |
| 33 | Wyoming | $59,243 | $28.48 |
| 34 | Missouri | $62,472 | $30.03 |
| 35 | Maryland | $69,306 | $33.32 |
| 36 | Utah | $61,339 | $29.49 |
| 37 | Montana | $64,782 | $31.15 |
| 38 | Florida | $59,780 | $28.74 |
| 39 | Kentucky | $60,145 | $28.92 |
| 40 | Oklahoma | $61,081 | $29.37 |
| 41 | Nebraska | $58,825 | $28.28 |
| 42 | West Virginia | $60,560 | $29.12 |
| 43 | Tennessee | $58,162 | $27.96 |
| 44 | New Mexico | $60,873 | $29.27 |
| 45 | South Carolina | $54,338 | $26.12 |
| 46 | Arkansas | $53,387 | $25.67 |
| 47 | Hawaii | $43,113 | $20.73 |
| 48 | Alaska | $51,349 | $24.69 |
| 49 | Mississippi | $51,566 | $24.79 |
| 50 | Alabama | $52,028 | $25.01 |
| 51 | Louisiana | $51,299 | $24.66 |
Highest paying cities for personal lines underwriters
The highest-paying cities for personal lines underwriters are New York, NY, Boston, MA, and Federal Way, WA.
| Rank | City | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | New York, NY | $96,649 | $46.47 |
| 2 | Boston, MA | $88,660 | $42.63 |
| 3 | Federal Way, WA | $81,830 | $39.34 |
| 4 | Concord, NH | $76,970 | $37.00 |
| 5 | Philadelphia, PA | $76,749 | $36.90 |
| 6 | Hartford, CT | $76,284 | $36.67 |
| 7 | Grand Rapids, MI | $74,628 | $35.88 |
| 8 | Los Angeles, CA | $74,505 | $35.82 |
| 9 | Chicago, IL | $72,997 | $35.09 |
| 10 | Indianapolis, IN | $72,428 | $34.82 |
| 11 | Milwaukee, WI | $71,619 | $34.43 |
| 12 | Richmond, VA | $71,224 | $34.24 |
| 13 | Minneapolis, MN | $70,883 | $34.08 |
| 14 | Dundalk, MD | $69,544 | $33.43 |
| 15 | Phoenix, AZ | $69,404 | $33.37 |
| 16 | Durham, NC | $68,681 | $33.02 |
| 17 | Atlanta, GA | $68,613 | $32.99 |
| 18 | Reno, NV | $67,753 | $32.57 |
| 19 | Dallas, TX | $67,454 | $32.43 |
| 20 | Columbus, OH | $63,228 | $30.40 |
Personal lines underwriter salary details
A personal lines underwriter's salary ranges from $43,000 a year at the 10th percentile to $111,000 at the 90th percentile.
What is a personal lines underwriter's salary?
| Percentile | Annual salary | Monthly salary | Hourly rate |
|---|---|---|---|
| 90th Percentile | $111,000 | $9,250 | $53 |
| 75th Percentile | $89,000 | $7,417 | $43 |
| Average | $69,706 | $5,809 | $34 |
| 25th Percentile | $54,000 | $4,500 | $26 |
| 10th Percentile | $43,000 | $3,583 | $21 |
Highest paying personal lines underwriter jobs
The highest paying types of personal lines underwriters are credit officer, senior credit analyst, and bank officer.
| Job title | Annual salary | Monthly salary | Hourly rate | Job openings |
|---|---|---|---|---|
| Mortgage Banker | $27,331 | $2,278 | $13.14 | 24,297 |
| Credit Officer | $129,478 | $10,790 | $62.25 | 60,323 |
| Loan Officer | $45,817 | $3,818 | $22.03 | 63,663 |
| Bank Officer | $79,562 | $6,630 | $38.25 | 69,880 |
| Closer | $29,291 | $2,441 | $14.08 | 7,560 |
| Loan Originator | $41,291 | $3,441 | $19.85 | 10,716 |
Top companies hiring personal lines underwriters now:
Which companies pay personal lines underwriters the most?
Personal lines underwriter salaries at Capital Group and AIG are the highest-paying according to our most recent salary estimates. In addition, the average personal lines underwriter salary at companies like Chubb and Berkshire Hathaway are highly competitive.
| Rank | Company | Average salary | Hourly rate |
|---|---|---|---|
| 1 | Capital Group | $111,779 | $53.74 |
| 2 | AIG | $103,629 | $49.82 |
| 3 | Chubb | $98,823 | $47.51 |
| 4 | Berkshire Hathaway | $95,862 | $46.09 |
| 5 | Odyssey Group | $89,244 | $42.91 |
| 6 | American Family Insurance | $87,917 | $42.27 |
| 7 | Odyssey Re | $86,863 | $41.76 |
| 8 | Utica National Insurance Group | $85,717 | $41.21 |
| 9 | Zurich | $84,956 | $40.84 |
| 10 | The Hanover Insurance Group | $84,725 | $40.73 |
| 11 | Frankenmuth Insurance | $84,226 | $40.49 |
| 12 | Swiss Reinsurance America Corporation | $83,726 | $40.25 |
| 13 | Ryan Specialty Group | $82,421 | $39.63 |
| 14 | Gallagher | $81,488 | $39.18 |
| 15 | Concord Group Insurance | $81,229 | $39.05 |
| 16 | United States Liability Insurance Co Inc | $80,952 | $38.92 |
| 17 | H. W. Kaufman | $80,399 | $38.65 |
| 18 | Selective Insurance | $80,067 | $38.49 |
| 19 | Donegal Insurance Group | $79,382 | $38.16 |
| 20 | West Bend Mutual Insurance | $79,178 | $38.07 |
Wage gap by gender, race and education
Personal lines underwriter salary trends
The average personal lines underwriter salary has risen by $10,642 over the last ten years. In 2014, the average personal lines underwriter earned $59,064 annually, but today, they earn $69,706 a year. That works out to a 6% change in pay for personal lines underwriters over the last decade.
Compare personal lines underwriter salaries for cities or states with the national average over time.
Average personal lines underwriter salary over time
Compare personal lines underwriter salaries for individual cities or states with the national average.
Personal lines underwriter salary by year
| Year | Avg. salary | Hourly rate | % Change |
|---|---|---|---|
| 2026 | $69,700 | $33.51 | +2.5% |
| 2025 | $68,000 | $32.69 | +0.9% |
| 2024 | $67,400 | $32.39 | -0.5% |
| 2023 | $67,700 | $32.56 | +3.0% |
| 2022 | $65,700 | $31.59 | +3.9% |
Recently added personal lines underwriter salaries
| Company | Job | Location | Date added | Salary |
|---|---|---|---|---|
| FCIC | Personal Lines Auto Insurance Underwriter and Underwriting Assistant Opportunities-Customer Servic | Bedford Park, IL | 06/27/2025 | $33,392 |
| Amwins | Associate Underwriter-Personal Lines Insurance | New York, NY | 06/11/2025 | $64,640 |
| Kaufman Financial Group | Personal Lines Underwriter | Roseville, CA | 06/10/2025 | $85,000 |
| Hub International | Personal Lines Underwriter, Broker | East Longmeadow, MA | 06/09/2025 | $60,000 |
| W.R. Berkley Corporation | Personal Lines Underwriter | Morristown, NJ | 06/07/2025 | $75,000 |
| H.W. Kaufman Group | Senior Personal Lines Underwriter | New York, NY | 06/06/2025 | $130,000 |
| Kaufman Financial Group | Senior Personal Lines Underwriter | New York, NY | 06/06/2025 | $130,000 |
| Amwins Group | Underwriter Development Program-Personal Lines | Morgan Hill, CA | 06/05/2025 | $70,000 |
| Amwins | Underwriter Development Program-Personal Lines | Greenwood Village, CO | 06/03/2025 | $65,000 |
| Berkley | Personal Lines Underwriter | Morristown, NJ | 05/29/2025 | $75,000 |
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