Insurance underwriters
Salary, job outlook, AI risk & career information
Median Salary
$79,880
~$38/hr · ~$6,657/mo
US Jobs
127K
Decline
AI & Automation Risk
9/10
Very High
AI & Automation Risk
Very High 9/10
Underwriting is a fundamentally digital occupation centered on routine information processing, risk modeling, and data analysis—all areas where AI excels. The BLS already projects a decline in employment due to automation, and the shift from traditional software to advanced AI will likely automate even complex, non-standard risk assessments that previously required human judgment.
Salary by City — What You Actually Take Home
Real purchasing power = salary adjusted for cost of living. Higher = more money in your pocket.
| City | Local Salary | Cost of Living | Real Purchasing Power |
|---|---|---|---|
| Topeka, KSBEST VALUE | $92,520 | Below avg (85.8) | $107,783 |
| Lexington-Fayette, KY | $98,160 | Below avg (92.5) | $106,118 |
| Chattanooga, TN-GA | $95,720 | Below avg (92.3) | $103,649 |
| Appleton, WI | $96,890 | Below avg (93.7) | $103,365 |
| Springfield, IL | $92,290 | Below avg (90.7) | $101,808 |
| Denver-Aurora-Centennial, CO | $106,380 | Above avg (105.8) | $100,579 |
| Las Vegas-Henderson-North Las Vegas, NV | $98,280 | Average (98.3) | $99,994 |
| Rockford, IL | $89,410 | Below avg (90.2) | $99,162 |
| Colorado Springs, CO | $94,730 | Average (98.1) | $96,552 |
| Chicago-Naperville-Elgin, IL-IN | $98,860 | Average (102.5) | $96,462 |
| Spartanburg, SC | $86,720 | Below avg (90.5) | $95,835 |
| Hartford-West Hartford-East Hartford, CT | $98,400 | Above avg (103.3) | $95,263 |
| Sioux Falls, SD-MN | $85,570 | Below avg (90.1) | $94,982 |
| Albany-Schenectady-Troy, NY | $93,120 | Average (98.2) | $94,849 |
| Kansas City, MO-KS | $88,030 | Below avg (93.2) | $94,450 |
Cost of Living Index: 100 = US national average. Below 100 = cheaper. Above 100 = more expensive.
Education & Requirements
Education Required
Bachelor's degree
10-Year Growth
-3% (Decline)
Hourly Rate
~$38/hr
Monthly Income
~$6,657/mo
Related Careers
Data: Bureau of Labor Statistics OOH (2024)