Insurance Underwriters Salary
Insurance Underwriters in Florida make a median of $78,720 a year, or about $37.85 an hour. The range runs from $50K at the entry level to $135K for experienced workers. Adjusted for local prices (RPP 98.58), that's roughly $79,854 in purchasing power. A 2-bedroom apartment runs $1,658/month, about 30.3% of take-home, which is tight.
Statewide average. Salary and cost of living vary significantly across Florida. Jump to a metro for precise data:
So what does $79K get you in Florida?
About insurance underwriters
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What this looks like in Florida
Insurance underwriters pay in Florida tracks closely to the national median, $79K locally vs. $81K nationwide, a 3% difference. Rent runs $1,658/month for a 2-bedroom (HUD FMR), taking 31.2% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 98.58) is near the national average, so spending patterns here track the typical American budget fairly closely. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compensation breakdown
Annual earnings by percentile, Florida
Entry-level insurance underwriters (10th percentile) start around $50K. Mid-career wages sit at $79K. Top earners bring in $135K or more, a $85K spread from bottom to top.
Insurance Underwriters salary by metro in Florida
12 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Ocala | $90K | +14% | 40 |
| Cape Coral-Fort Myers | $82K | +5% | 50 |
| Jacksonville | $81K | +3% | 530 |
| Miami-Fort Lauderdale-West Palm Beach | $79K | +1% | 1,220 |
| Deltona-Daytona Beach-Ormond Beach | $79K | +0% | 100 |
| Tampa-St. Petersburg-Clearwater | $78K | -0% | 2,070 |
| North Port-Bradenton-Sarasota | $77K | -2% | 170 |
| Orlando-Kissimmee-Sanford | $75K | -5% | 740 |
| Pensacola-Ferry Pass-Brent | $73K | -7% | 40 |
| Gainesville | $64K | -18% | 90 |
| Tallahassee | $62K | -21% | 210 |
| Sebastian-Vero Beach-West Vero Corridor | $62K | -21% | 40 |
Showing 1–10 of 12 metros
Compare to other states
Track insurance underwriters salary changes
BLS updates this data quarterly. We'll email you when Florida numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Florida?
It’s a stretch — at the median salary of $79K, rent takes 31.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,658/month. The 30% guideline puts the comfortable ceiling at roughly $1,600/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for insurance underwriters in Florida?
The 10th-percentile wage — what new insurance underwriters typically earn — is $50K/year. Take-home on that works out to about $2,993/month. At HUD’s $1,658/month FMR, rent would take 55% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is insurance underwriter a high-paying job in Florida?
Pay here is roughly in line with the national average — $79K locally vs. $81K nationally, a 3% difference.
How does Florida compare to the national average for insurance underwriters?
Florida pays $79K median vs. the U.S. average of $81K — that’s -3%. After adjusting for local cost of living (RPP 98.58), the purchasing-power equivalent is $80K — below the national median.
How much do insurance underwriters make in Florida?
The median is $78,720 a year, that works out to about $38 an hour. But the range is wide: entry-level workers start around $49,880, and experienced insurance underwriters can clear $134,850. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $79K enough to live in Florida?
On that salary, you'd take home roughly $5,314/month after taxes. A 2-bedroom here rents for about $1,658/month, which eats 31.2% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a insurance underwriters salary go in Florida?
Florida has a Regional Price Parity of 98.58 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median insurance underwriters salary is worth about $79,854 in national-average purchasing power.
Where do insurance underwriters get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.