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Best states for a senior underwriter
Quoted expert
Janet Ruiz
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Are you thinking of becoming a senior underwriter and really want to work at JPMorgan Chase & Co.? Turns out, your chances to become a senior underwriter are better in some states than others.As senior underwriters are popular in the U.S., we wanted to bring you a list of the best states for senior underwriters. In case you are trying to decide where to start your career as a senior underwriter, or if you are considering moving to a different city or state, we got you covered.
In order to get you the best states for senior underwriters, we looked at our data on jobs and wages -- specifically the average annual wage and the number of available jobs per capita.We found that New York is the best state for senior underwriter jobs, whereas Arkansas is the worst.
10 best states for senior underwriters in 2025
1. New York
Total senior underwriter jobs: 500 Average annual salary: $95,252 Lowest 10 percent earn: $59,000 Highest 10 percent earn: $151,000 Location Quotient: 1.14
2. Michigan
Total senior underwriter jobs: 374 Average annual salary: $74,508 Lowest 10 percent earn: $46,000 Highest 10 percent earn: $120,000 Location Quotient: 1.41
3. Delaware
Total senior underwriter jobs: 48 Average annual salary: $74,605 Lowest 10 percent earn: $46,000 Highest 10 percent earn: $120,000 Location Quotient: 1.12
4. Pennsylvania
Total senior underwriter jobs: 369 Average annual salary: $75,933 Lowest 10 percent earn: $47,000 Highest 10 percent earn: $122,000 Location Quotient: 0.93
5. Washington
Total senior underwriter jobs: 258 Average annual salary: $75,531 Lowest 10 percent earn: $47,000 Highest 10 percent earn: $120,000 Location Quotient: 1.04
6. New Jersey
Total senior underwriter jobs: 243 Average annual salary: $78,737 Lowest 10 percent earn: $49,000 Highest 10 percent earn: $125,000 Location Quotient: 0.9
7. Illinois
Total senior underwriter jobs: 481 Average annual salary: $71,850 Lowest 10 percent earn: $44,000 Highest 10 percent earn: $115,000 Location Quotient: 1.18
8. Massachusetts
Total senior underwriter jobs: 197 Average annual salary: $85,124 Lowest 10 percent earn: $54,000 Highest 10 percent earn: $133,000 Location Quotient: 0.63
9. Kansas
Total senior underwriter jobs: 126 Average annual salary: $67,617 Lowest 10 percent earn: $41,000 Highest 10 percent earn: $110,000 Location Quotient: 1.22
10. Indiana
Total senior underwriter jobs: 210 Average annual salary: $72,326 Lowest 10 percent earn: $44,000 Highest 10 percent earn: $117,000 Location Quotient: 0.94
Senior underwriter jobsNear Columbus, OH
How Zippia determines the best states to be a senior underwriter
You can read about how the best state rankings are calculated here.
Detailed list of the best states for a senior underwriter
| Rank | State | Average salary | Lowest 10% earn | Population | Job count |
|---|---|---|---|---|---|
| 1 | New York | $95,252 | $59,000 | 19,849,399 | 500 |
| 2 | Michigan | $74,508 | $46,000 | 9,962,311 | 374 |
| 3 | Delaware | $74,605 | $46,000 | 961,939 | 48 |
| 4 | Pennsylvania | $75,933 | $47,000 | 12,805,537 | 369 |
| 5 | Washington | $75,531 | $47,000 | 7,405,743 | 258 |
| 6 | New Jersey | $78,737 | $49,000 | 9,005,644 | 243 |
| 7 | Illinois | $71,850 | $44,000 | 12,802,023 | 481 |
| 8 | Massachusetts | $85,124 | $54,000 | 6,859,819 | 197 |
| 9 | Kansas | $67,617 | $41,000 | 2,913,123 | 126 |
| 10 | Indiana | $72,326 | $44,000 | 6,666,818 | 210 |
| 11 | Colorado | $72,842 | $44,000 | 5,607,154 | 238 |
| 12 | Connecticut | $74,377 | $46,000 | 3,588,184 | 113 |
| 13 | North Carolina | $67,495 | $40,000 | 10,273,419 | 383 |
| 14 | Texas | $66,909 | $37,000 | 28,304,596 | 835 |
| 15 | California | $75,021 | $44,000 | 39,536,653 | 1,036 |
| 16 | Arizona | $65,802 | $38,000 | 7,016,270 | 390 |
| 17 | North Dakota | $64,841 | $41,000 | 755,393 | 38 |
| 18 | Rhode Island | $65,629 | $41,000 | 1,059,639 | 51 |
| 19 | New Hampshire | $73,592 | $46,000 | 1,342,795 | 34 |
| 20 | Wisconsin | $70,237 | $43,000 | 5,795,483 | 137 |
| 21 | Ohio | $63,385 | $38,000 | 11,658,609 | 399 |
| 22 | Nevada | $64,593 | $38,000 | 2,998,039 | 85 |
| 23 | District of Columbia | $80,249 | $49,000 | 693,972 | 34 |
| 24 | Minnesota | $67,688 | $42,000 | 5,576,606 | 219 |
| 25 | Maine | $63,641 | $40,000 | 1,335,907 | 55 |
| 26 | South Dakota | $60,927 | $38,000 | 869,666 | 54 |
| 27 | Georgia | $68,099 | $39,000 | 10,429,379 | 286 |
| 28 | Oregon | $65,086 | $40,000 | 4,142,776 | 162 |
| 29 | Virginia | $71,560 | $43,000 | 8,470,020 | 192 |
| 30 | Utah | $60,474 | $37,000 | 3,101,833 | 132 |
| 31 | Maryland | $69,186 | $42,000 | 6,052,177 | 167 |
| 32 | Iowa | $60,278 | $37,000 | 3,145,711 | 127 |
| 33 | Vermont | $61,484 | $38,000 | 623,657 | 26 |
| 34 | Kentucky | $59,826 | $36,000 | 4,454,189 | 120 |
| 35 | Idaho | $59,712 | $37,000 | 1,716,943 | 59 |
| 36 | Wyoming | $56,280 | $35,000 | 579,315 | 38 |
| 37 | West Virginia | $60,541 | $36,000 | 1,815,857 | 34 |
| 38 | Missouri | $60,895 | $37,000 | 6,113,532 | 178 |
| 39 | Florida | $60,709 | $33,000 | 20,984,400 | 498 |
| 40 | New Mexico | $60,994 | $35,000 | 2,088,070 | 49 |
| 41 | Oklahoma | $60,975 | $36,000 | 3,930,864 | 63 |
| 42 | Montana | $58,519 | $37,000 | 1,050,493 | 36 |
| 43 | Tennessee | $57,557 | $34,000 | 6,715,984 | 150 |
| 44 | Nebraska | $56,374 | $35,000 | 1,920,076 | 70 |
| 45 | Hawaii | $45,246 | $34,000 | 1,427,538 | 29 |
| 46 | South Carolina | $54,431 | $31,000 | 5,024,369 | 124 |
| 47 | Mississippi | $51,909 | $29,000 | 2,984,100 | 59 |
| 48 | Alaska | $47,789 | $35,000 | 739,795 | 23 |
| 49 | Alabama | $52,149 | $30,000 | 4,874,747 | 101 |
| 50 | Louisiana | $51,628 | $29,000 | 4,684,333 | 70 |
| 51 | Arkansas | $53,120 | $31,000 | 3,004,279 | 47 |
Highest paying states for senior underwriters
| Rank | State | Avg. Senior Underwriter Salary |
|---|---|---|
| 1 | New York | $95,252 |
| 2 | Michigan | $74,508 |
| 3 | Delaware | $74,605 |
| 4 | Pennsylvania | $75,933 |
| 5 | Washington | $75,531 |
| 6 | New Jersey | $78,737 |
| 7 | Illinois | $71,850 |
| 8 | Massachusetts | $85,124 |
| 9 | Kansas | $67,617 |
| 10 | Indiana | $72,326 |
| 11 | Colorado | $72,842 |
| 12 | Connecticut | $74,377 |
| 13 | North Carolina | $67,495 |
| 14 | Texas | $66,909 |
| 15 | California | $75,021 |
| 16 | Arizona | $65,802 |
| 17 | North Dakota | $64,841 |
| 18 | Rhode Island | $65,629 |
| 19 | New Hampshire | $73,592 |
| 20 | Wisconsin | $70,237 |
| 21 | Ohio | $63,385 |
| 22 | Nevada | $64,593 |
| 23 | District of Columbia | $80,249 |
| 24 | Minnesota | $67,688 |
| 25 | Maine | $63,641 |
| 26 | South Dakota | $60,927 |
| 27 | Georgia | $68,099 |
| 28 | Oregon | $65,086 |
| 29 | Virginia | $71,560 |
| 30 | Utah | $60,474 |
| 31 | Maryland | $69,186 |
| 32 | Iowa | $60,278 |
| 33 | Vermont | $61,484 |
| 34 | Kentucky | $59,826 |
| 35 | Idaho | $59,712 |
| 36 | Wyoming | $56,280 |
| 37 | West Virginia | $60,541 |
| 38 | Missouri | $60,895 |
| 39 | Florida | $60,709 |
| 40 | New Mexico | $60,994 |
| 41 | Oklahoma | $60,975 |
| 42 | Montana | $58,519 |
| 43 | Tennessee | $57,557 |
| 44 | Nebraska | $56,374 |
| 45 | Hawaii | $45,246 |
| 46 | South Carolina | $54,431 |
| 47 | Mississippi | $51,909 |
| 48 | Alaska | $47,789 |
| 49 | Alabama | $52,149 |
| 50 | Louisiana | $51,628 |
| 51 | Arkansas | $53,120 |
Expert opinions on the best states for senior underwriters
Are there any particularly good places in the United States for senior 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.
Senior underwriter best states FAQs
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Updated January 8, 2025