Pay by state · 50 states
Insurance Underwriter Salary by State (2026)
Insurance Underwriters earn the most in Massachusetts at $106,640 a year and the least in Puerto Rico at $46,990 (BLS OEWS, May 2025). The national median is $81,370. All 50 states and territories with reported data are ranked below, with a cost-of-living adjusted column.
- Highest median
- $106,640Massachusetts
- National median
- $81,370BLS OEWS, May 2025
- Lowest median
- $46,990Puerto Rico
- States reporting
- 50of 54 OEWS areas
All states
Insurance Underwriter salary in every state
Sort by any column. Employment is the number of insurance underwriters OEWS estimates in that state; blank cells are estimates BLS suppressed because the sample was too small.
| # | ||||||
|---|---|---|---|---|---|---|
| 1 | MAMassachusetts | $106,640 | $80,250 | $135,110 | 2,890 | $100,835 |
| 2 | NHNew Hampshire | $103,940 | $86,010 | $129,530 | 270 | $99,784 |
| 3 | NVNevada | $101,440 | $64,450 | $122,630 | 480 | $101,461 |
| 4 | CTConnecticut | $100,690 | $79,710 | $129,850 | 2,010 | $97,182 |
| 5 | COColorado | $100,640 | $76,860 | $130,880 | 2,040 | $97,659 |
| 6 | WAWashington | $99,400 | $78,680 | $127,550 | 1,740 | $92,886 |
| 7 | NYNew York | $97,450 | $79,250 | $131,530 | 6,900 | $90,298 |
| 8 | WIWisconsin | $97,370 | $74,090 | $123,320 | 3,110 | $103,481 |
| 9 | NJNew Jersey | $96,220 | $79,230 | $120,970 | 3,150 | $88,433 |
| 10 | MEMaine | $95,510 | $71,100 | $109,400 | 520 | $98,413 |
| 11 | CACalifornia | $95,320 | $77,370 | $124,660 | 6,580 | $86,091 |
| 12 | MDMaryland | $92,120 | $68,930 | $116,990 | 1,310 | $87,768 |
| 13 | ILIllinois | $89,620 | $74,500 | $125,330 | N/A | $89,658 |
| 14 | GAGeorgia | $85,980 | $70,940 | $129,630 | 7,160 | $89,290 |
| 15 | RIRhode Island | $84,720 | $63,920 | $103,950 | 250 | $82,831 |
| 16 | SDSouth Dakota | $83,130 | $61,050 | $115,550 | 210 | $93,841 |
| 17 | ARArkansas | $82,130 | $50,180 | $110,920 | 290 | $94,471 |
| 18 | DCDistrict of Columbia | $82,070 | $78,290 | $131,000 | N/A | $74,676 |
| 19 | VAVirginia | $81,870 | $66,670 | $104,010 | 2,470 | $80,976 |
| 20 | AKAlaska | $81,620 | $59,530 | $91,010 | 100 | $79,739 |
| 21 | MNMinnesota | $80,700 | $73,330 | $124,980 | 2,550 | $81,828 |
| 22 | MOMissouri | $80,040 | $62,520 | $95,370 | 2,130 | $88,133 |
| 23 | KYKentucky | $79,830 | $57,910 | $100,990 | 900 | $88,544 |
| 24 | SCSouth Carolina | $79,570 | $59,740 | $103,500 | 910 | $84,876 |
| 25 | OHOhio | $79,260 | $63,120 | $104,180 | 5,110 | $85,433 |
| 26 | OROregon | $79,200 | $65,570 | $102,000 | 570 | $76,625 |
| 27 | PAPennsylvania | $78,950 | $63,440 | $103,720 | 5,160 | $80,915 |
| 28 | TXTexas | $78,890 | $61,620 | $105,040 | 9,980 | $81,282 |
| 29 | TNTennessee | $78,840 | $60,540 | $100,640 | 1,250 | $85,817 |
| 30 | FLFlorida | $78,720 | $61,110 | $105,410 | 7,300 | $76,121 |
| 31 | VTVermont | $77,990 | $63,430 | $90,730 | 210 | $79,616 |
| 32 | AZArizona | $77,740 | $62,630 | $101,390 | 3,360 | $77,217 |
| 33 | INIndiana | $77,440 | $61,440 | $95,130 | 2,170 | $82,975 |
| 34 | MIMichigan | $77,380 | $61,910 | $99,850 | 2,590 | $80,422 |
| 35 | NCNorth Carolina | $77,120 | $58,950 | $100,680 | 3,460 | $81,759 |
| 36 | KSKansas | $77,070 | $60,100 | $117,540 | 1,230 | $85,569 |
| 37 | LALouisiana | $76,540 | $59,660 | $91,640 | 1,050 | $86,773 |
| 38 | IAIowa | $75,160 | $63,730 | $97,390 | 1,490 | $85,641 |
| 39 | NENebraska | $75,120 | $60,060 | $92,450 | 1,410 | $83,371 |
| 40 | NDNorth Dakota | $74,130 | $60,470 | $91,490 | 210 | $83,331 |
| 41 | HIHawaii | $73,260 | $59,890 | $100,050 | 230 | $66,630 |
| 42 | UTUtah | $72,730 | $51,590 | $92,980 | 490 | $73,566 |
| 43 | OKOklahoma | $66,770 | $49,170 | $85,750 | 600 | $76,011 |
| 44 | NMNew Mexico | $64,000 | $48,450 | $93,590 | 100 | $69,405 |
| 45 | MTMontana | $63,140 | $52,750 | $82,770 | 140 | $66,712 |
| 46 | IDIdaho | $62,530 | $49,350 | $82,220 | 360 | $65,481 |
| 47 | WYWyoming | $62,290 | $47,520 | $80,650 | 50 | $67,202 |
| 48 | ALAlabama | $62,220 | $54,400 | $98,450 | 1,540 | $70,049 |
| 49 | MSMississippi | $59,250 | $47,790 | $67,810 | 600 | $68,140 |
| 50 | PRPuerto Rico | $46,990 | $34,660 | $56,650 | 870 | N/A |
Method
How the cost-of-living adjustment works
The adjusted column divides each state median by that state's BEA Regional Price Parity (RPP) and multiplies by 100. RPPs measure how much a fixed basket of goods, services and rents costs in one state relative to the national average, so the result restates local pay in national-average dollars.
For Insurance Underwriters, that changes the ranking: Massachusetts leads on raw pay at $106,640, while Wisconsin leads once prices are taken into account at $103,481.
Source: BEA Regional Price Parities by State, 2024 (public domain). The adjustment is NueCareer's calculation, not a BLS or BEA published statistic.
Questions
Insurance Underwriter pay by state: FAQ
Which state pays Insurance Underwriters the most?
Massachusetts reports the highest median wage for Insurance Underwriters at $106,640 a year (BLS OEWS, May 2025), followed by New Hampshire ($103,940) and Nevada ($101,440).
Which state pays Insurance Underwriters the least?
Puerto Rico reports the lowest median for Insurance Underwriters at $46,990 a year, $59,650 below the highest-paying state (BLS OEWS, May 2025).
Where do Insurance Underwriters earn the most after cost of living?
Dividing each state median by that state's BEA Regional Price Parity puts Wisconsin first at $103,481 in national-average dollars, from a raw median of $97,370. BEA Regional Price Parities, 2024.