Insurance Underwriters Salary
Insurance Underwriters in San Diego-Chula Vista-Carlsbad, CA make a median of $98,210 a year, or about $47.22 an hour. The range runs from $66K at the entry level to $159K for experienced workers. Prices run high here (RPP 111.89), so that salary is closer to $87,774 in real purchasing power. A 2-bedroom apartment runs $3,001/month, about 48.7% of take-home, which is tight.
So what does $98K get you in San Diego-Chula Vista-Carlsbad?
Groceries, utilities, transportation, and healthcare scaled from national averages by San Diego-Chula Vista-Carlsbad’s Regional Price Parity (111.89). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About insurance underwriters
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What this looks like in San Diego-Chula Vista-Carlsbad
San Diego-Chula Vista-Carlsbad sits well above the national pay line for insurance underwriters, local pay runs about 21% higher than the U.S. median of $81K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $3,001/month, which is 49.9% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 12% above the national average (BEA RPP 111.89), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compared to nearby metros
Median pay for insurance underwriters in metros near San Diego-Chula Vista-Carlsbad, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| San Jose-Sunnyvale-Santa Clara | $96K | $87K |
| Los Angeles-Long Beach-Anaheim | $98K | $86K |
| San Francisco-Oakland-Fremont | $85K | $73K |
| Sacramento-Roseville-Folsom | $91K | $86K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, San Diego-Chula Vista-Carlsbad, CA
Entry-level insurance underwriters (10th percentile) start around $66K. Mid-career wages sit at $98K. Top earners bring in $159K or more, a $93K spread from bottom to top.
Insurance Underwriters pay across states
Median income ranked highest to lowest, compared to the national figure
View Insurance Underwriters salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Massachusetts | $107K | +31% | 2,890 |
| New Hampshire | $104K | +28% | 270 |
| Nevada | $101K | +25% | 480 |
| Connecticut | $101K | +24% | 2,010 |
| Colorado | $101K | +24% | 2,040 |
| Washington | $99K | +22% | 1,740 |
| New York | $97K | +20% | 6,900 |
| Wisconsin | $97K | +20% | 3,110 |
| New Jersey | $96K | +18% | 3,150 |
| Maine | $96K | +17% | 520 |
| California | $95K | +17% | 6,580 |
| Maryland | $92K | +13% | 1,310 |
| Illinois | $90K | +10% | N/A |
| Georgia | $86K | +6% | 7,160 |
| Rhode Island | $85K | +4% | 250 |
| South Dakota | $83K | +2% | 210 |
| Arkansas | $82K | +1% | 290 |
| District of Columbia | $82K | +1% | N/A |
| Virginia | $82K | +1% | 2,470 |
| Alaska | $82K | +0% | 100 |
| Minnesota | $81K | -1% | 2,550 |
| Missouri | $80K | -2% | 2,130 |
| Kentucky | $80K | -2% | 900 |
| South Carolina | $80K | -2% | 910 |
| Ohio | $79K | -3% | 5,110 |
| Oregon | $79K | -3% | 570 |
| Pennsylvania | $79K | -3% | 5,160 |
| Texas | $79K | -3% | 9,980 |
| Tennessee | $79K | -3% | 1,250 |
| Florida | $79K | -3% | 7,300 |
| Vermont | $78K | -4% | 210 |
| Arizona | $78K | -4% | 3,360 |
| Indiana | $77K | -5% | 2,170 |
| Michigan | $77K | -5% | 2,590 |
| North Carolina | $77K | -5% | 3,460 |
| Kansas | $77K | -5% | 1,230 |
| Louisiana | $77K | -6% | 1,050 |
| Iowa | $75K | -8% | 1,490 |
| Nebraska | $75K | -8% | 1,410 |
| North Dakota | $74K | -9% | 210 |
| Hawaii | $73K | -10% | 230 |
| Utah | $73K | -11% | 490 |
| Oklahoma | $67K | -18% | 600 |
| New Mexico | $64K | -21% | 100 |
| Montana | $63K | -22% | 140 |
| Idaho | $63K | -23% | 360 |
| Wyoming | $62K | -23% | 50 |
| Alabama | $62K | -24% | 1,540 |
| Mississippi | $59K | -27% | 600 |
Showing 1–10 of 49 states with published data
BLS does not publish data for every state when sample sizes are too small
Track insurance underwriters salary changes
BLS updates this data quarterly. We'll email you when San Diego-Chula Vista-Carlsbad numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in San Diego-Chula Vista-Carlsbad?
It’s a stretch — at the median salary of $98K, rent takes 49.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $3,001/month. The 30% guideline puts the comfortable ceiling at roughly $1,800/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for insurance underwriters in San Diego-Chula Vista-Carlsbad?
The 10th-percentile wage — what new insurance underwriters typically earn — is $66K/year. Take-home on that works out to about $3,937/month. At HUD’s $3,001/month FMR, rent would take 76% 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 San Diego-Chula Vista-Carlsbad?
Local pay is 21% above the national median — $98K here vs. $81K nationally. Keep in mind cost of living here is 12% above the national average, which offsets some of that premium.
How does San Diego-Chula Vista-Carlsbad compare to the national average for insurance underwriters?
San Diego-Chula Vista-Carlsbad pays $98K median vs. the U.S. average of $81K — that’s +21%. After adjusting for local cost of living (RPP 111.89), the purchasing-power equivalent is $88K — still ahead of the national median.
How much do insurance underwriters make in San Diego-Chula Vista-Carlsbad, CA?
The median is $98,210 a year, that works out to about $47 an hour. But the range is wide: entry-level workers start around $65,620, and experienced insurance underwriters can clear $158,860. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $98K enough to live in San Diego-Chula Vista-Carlsbad?
On that salary, you'd take home roughly $6,017/month after taxes. A 2-bedroom here rents for about $3,001/month, which eats 49.9% 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 San Diego-Chula Vista-Carlsbad?
San Diego-Chula Vista-Carlsbad has a Regional Price Parity of 111.89 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median insurance underwriters salary is worth about $87,774 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.