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Auto Insurance Underwriter Jobs in Rhode Island (NOW HIRING)

Alera Group

Personal Lines Account Manager

Warwick, RI · Hybrid

$55K - $75K/yr

... Casualty Insurance, Retirement Plan Services, and Wealth Services. With a network of offices ... Advise and service Personal Lines clients (home/auto/umbrella/flood and other PL), handling changes ...

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All JobsAuto Insurance Underwriter JobsAuto Insurance Underwriter Jobs in Rhode Island

Auto Insurance Underwriter information

See Rhode Island salary details

$27.4K

$61K

$102.8K

How much do auto insurance underwriter jobs pay per year?

As of Aug 22, 2026, the average yearly pay for auto insurance underwriter in Rhode Island is $60,994.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,100.00 and $81,800.00 per year, depending on experience, location, and employer.

What does an auto insurance underwriter do?

An Auto Insurance Underwriter evaluates applications for auto insurance coverage to determine the risk of insuring a driver or vehicle. They review information such as driving records, vehicle details, and claims history to decide whether to approve, modify, or decline an insurance policy. Underwriters also set premium rates based on their risk assessment and ensure that policies comply with company guidelines and regulations. Their decisions help insurance companies maintain profitability while offering fair coverage to customers.

What skills and qualifications are needed to be an auto insurance underwriter?

To thrive as an Auto Insurance Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field, often supported by a bachelor's degree. Familiarity with underwriting software, risk assessment tools, and industry certifications such as CPCU or AINS is typically required. Excellent communication, decision-making, and negotiation skills help underwriters interact effectively with agents, clients, and colleagues. These skills are vital for accurately assessing risk, setting appropriate premiums, and ensuring the profitability and compliance of insurance policies.

How does an auto insurance underwriter collaborate with agents and adjusters during policy evaluation?

Auto Insurance Underwriters work closely with insurance agents and claims adjusters to ensure accurate risk assessment and policy issuance. Agents often provide initial client information and documentation, which underwriters review to determine eligibility and appropriate coverage. Underwriters may consult with adjusters when evaluating past claims history or clarifying risk factors. This collaboration helps underwriters make informed decisions, tailor policies to individual needs, and maintain clear communication with both internal teams and clients.

What is the difference between Auto Insurance Underwriter vs Claims Adjuster?

AspectAuto Insurance UnderwriterClaims Adjuster
Primary RoleEvaluates insurance applications and determines coverage and premiumsInvestigates and settles insurance claims after incidents
Required CredentialsInsurance licenses, underwriting certifications, bachelor’s degree often preferredClaims handling licenses, relevant certifications, bachelor’s degree often preferred
Work EnvironmentOffice-based, analytical, risk assessment focusField and office-based, investigative and customer service focus
Industry UsageCommonly employed by insurance companies during policy issuanceEmployed by insurance companies during claims processing

While both roles are integral to the insurance industry, an Auto Insurance Underwriter primarily assesses risks and determines policy terms, whereas a Claims Adjuster handles claims after an incident occurs. Understanding these differences helps job seekers identify the right career path within auto insurance.

What are popular job titles related to Auto Insurance Underwriter jobs in Rhode Island?

For Auto Insurance Underwriter jobs in Rhode Island, the most frequently searched job titles are:

What job categories do people searching Auto Insurance Underwriter jobs in Rhode Island look for?

The top searched job categories for Auto Insurance Underwriter jobs in Rhode Island are:

Auto Insurance Underwriter jobs near you
Infographic showing various Auto Insurance Underwriter job openings in Rhode Island as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 63% In-person, 23% Hybrid, and 14% Remote job distribution, with an average salary of $60,994 per year, or $29.3 per hour.

Residential High Value Insurance Appraiser - Providence, RI

exl

Providence, RI • On-site

Full-time, Contractor

Re-posted 9 hours ago

ExlService Holdings rating

7.8

Company rating: 7.8 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

135th of 495 rated business services

Job description

The Company

Commercial and personal line insurance carriers rely on EXL as a key business partner through our Castle High Value and EXL Risk Control service offerings. We offer a variety of field appraisal, inspection and risk control services to support our clients’ underwriting processes. EXL delivers industry-leading professionalism, quality and turn-around time, and our innovative solutions help our clients keep ahead of the competition. Castle High Value is the premier provider of high value residential insurance surveys to the insurance industry
nationwide. https://www.exlservice.com/industries/insurance/castle-high-value

The Position

Castle High Value is looking for self-directed independent contractors to work from their own home or office and service both virtual and physical survey/inspection assignments in the Providence, RI area and other assignment locations throughout Rhode Island. Additional compensation is offered for more remote locations throughout the state.

Experience in real estate, insurance, inspection, construction or appraising experience is a plus, but all interested candidates are encouraged to submit their qualifications. A 15 hour online training course can get you certified. Fees are negotiable depending on experience and the unique aspects of selected jobs.

You will be responsible to schedule and conduct both site-based and virtual High Value Home property surveys that will be used for homeowners’ insurance purposes. This involves coordinating and completing surveys within your own schedule, managing work assignments you accept, and solid computer skills as all reports are web-based and completed online.

If you are looking for flexibility, the ability to work independently, and have an interest in real-estate, construction, or interior design, then this might be the right opportunity for you.

More on the Job Responsibilities

Primary Requirements:

  • Professionally interact over the phone, via email, and in-person
    with homeowners and insurance agents
  • Conduct on-site and/or virtual property surveys on high value
    homes as per customer specific guidelines and procedures
  • Identify and document the construction materials/characteristics
    and unique features of the home
  • Obtain measurements of the home and other structures on the
    property
  • Generate an estimated replacement value of the home, and identify
    major hazards
  • Communicate the information gathered during on-site inspection in
    the provided web-based client requested forms accessed through the Castle
    website

Tools or Items You Must Provide:

  • Digital camera
  • Windows based computer (not a Mac)
  • High speed internet access
  • Reliable vehicle
  • Measuring device such as: laser, 100 ft. tape, or measuring wheel
  • Auto and General Liability Insurance

What ExlService Holdings employees say

Pay

Hours and flexibility

Workplace

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