Insurance Underwriters Salary
Insurance Underwriters in Washington-Arlington-Alexandria, DC-VA-MD-WV make a median of $90,990 a year, or about $43.75 an hour. The range runs from $66K at the entry level to $158K for experienced workers. Prices run high here (RPP 108.88), so that salary is closer to $83,569 in real purchasing power. A 2-bedroom apartment runs $2,246/month, about 39.3% of take-home, which is tight.
So what does $91K get you in Washington-Arlington-Alexandria?
Groceries, utilities, transportation, and healthcare scaled from national averages by Washington-Arlington-Alexandria’s Regional Price Parity (108.88). 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 Washington-Arlington-Alexandria
Washington-Arlington-Alexandria sits well above the national pay line for insurance underwriters, local pay runs about 12% 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 $2,246/month, which is 39.9% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 9% above the national average (BEA RPP 108.88), 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 Washington-Arlington-Alexandria, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Richmond | $81K | $83K |
| Baltimore-Columbia-Towson | $94K | $89K |
| Virginia Beach-Chesapeake-Norfolk | $78K | $80K |
| Roanoke | $67K | $71K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Washington-Arlington-Alexandria, DC-VA-MD-WV
Entry-level insurance underwriters (10th percentile) start around $66K. Mid-career wages sit at $91K. Top earners bring in $158K 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 Washington-Arlington-Alexandria numbers change.
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Frequently asked questions
Can a insurance underwriter afford a 2BR apartment alone in Washington-Arlington-Alexandria?
It’s a stretch — at the median salary of $91K, rent takes 39.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,246/month. The 30% guideline puts the comfortable ceiling at roughly $1,700/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for insurance underwriters in Washington-Arlington-Alexandria?
The 10th-percentile wage — what new insurance underwriters typically earn — is $66K/year. Take-home on that works out to about $3,930/month. At HUD’s $2,246/month FMR, rent would take 57% 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 Washington-Arlington-Alexandria?
Local pay is 12% above the national median — $91K here vs. $81K nationally. Keep in mind cost of living here is 9% above the national average, which offsets some of that premium.
How does Washington-Arlington-Alexandria compare to the national average for insurance underwriters?
Washington-Arlington-Alexandria pays $91K median vs. the U.S. average of $81K — that’s +12%. After adjusting for local cost of living (RPP 108.88), the purchasing-power equivalent is $84K — still ahead of the national median.
How much do insurance underwriters make in Washington-Arlington-Alexandria, DC-VA-MD-WV?
The median is $90,990 a year, that works out to about $44 an hour. But the range is wide: entry-level workers start around $65,500, and experienced insurance underwriters can clear $158,320. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $91K enough to live in Washington-Arlington-Alexandria?
On that salary, you'd take home roughly $5,625/month after taxes. A 2-bedroom here rents for about $2,246/month, which eats 39.9% 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 Washington-Arlington-Alexandria?
Washington-Arlington-Alexandria has a Regional Price Parity of 108.88 (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 $83,569 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.