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Auto Underwriter Jobs in Kentucky (NOW HIRING)

$70 - $100/hr

Effectively manage a book of voluntary commercial auto business within the underwriting territory to provide excellent service to our agents, and meet company financial objectives * Provides timely ...

New

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute ...

$90 - $150/hr

A minimum of 2+ years of Commercial Property & Casualty (General Liability, Umbrella, Commercial Auto, Property, Workers Compensation) Underwriting experience. * Middle Market experience is preferred.

$275 - $323/hr

Corporate Casualty Underwriting Director - North American Speciality Underwriting Team (Remote) Our ... Oversees portfolio performance across Construction Casualty, E&S Casualty, Auto, Commercial General ...

$110 - $160/hr

An independent, customer-centered and underwriting-focused company, Amynta serves leading carriers, wholesalers, retail agencies, auto dealers, OEMs, and consumer product retailers with innovative ...

New

$116 - $190/hr

## Manager, State Analytics & Decision Support (Auto Finance)Applyremote type: Hybridlocations ... Rate and underwriting impacts/measurement* Profitability and expense dynamics* Partner closely with ...

New

$120 - $180/hr

... of Auto product development experience preferred. Who We Are Kin makes life simpler, more ... Hands‑on experience applying AI and machine learning tools to pricing, underwriting, or risk ...

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Auto Underwriter information

See Kentucky salary details

$28.2K

$68.5K

$121.2K

How much do auto underwriter jobs pay per year?

As of Aug 30, 2026, the average yearly pay for auto underwriter in Kentucky is $68,508.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,000.00 and $75,600.00 per year, depending on experience, location, and employer.

What is an auto underwriter?

An Auto Underwriter is responsible for evaluating insurance applications to determine the risk associated with insuring a vehicle and its driver. They analyze factors such as driving history, credit score, vehicle details, and claims history to assess eligibility and set premium rates. Using underwriting guidelines and risk assessment models, they ensure policies comply with company standards while maintaining profitability. Auto Underwriters often collaborate with agents, adjusters, and other stakeholders to make informed decisions. Their role is crucial in balancing risk while offering competitive insurance policies.

What does an auto underwriter do?

A typical day for an Auto Underwriter involves reviewing auto insurance applications, analyzing applicant information, and assessing risk to determine appropriate coverage and premium rates. You’ll frequently use specialized underwriting software and collaborate with insurance agents, brokers, and sometimes clients directly to gather additional details or clarify information. Regular tasks include making approval or denial decisions, adjusting policy conditions, and documenting your assessments. In addition, you may attend team meetings to discuss complex cases and keep updated on evolving underwriting guidelines. The role is a balance of independent analysis and team collaboration, offering a dynamic and engaging work environment.

What are the key skills and qualifications needed to thrive as an auto underwriter?

To thrive as an Auto Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment principles, often supported by a degree in finance, business, or a related field. Familiarity with underwriting software, insurance databases, and sometimes certifications like CPCU or AINS is highly valuable. Excellent communication, problem-solving skills, and a customer-focused mindset help distinguish top performers in this field. These capabilities are crucial for accurately evaluating insurance applications, minimizing risk, and building positive client relationships.

How to become an auto underwriter?

To become an auto underwriter, typically one needs a bachelor's degree in finance, insurance, or a related field, along with strong analytical and communication skills. Gaining experience in insurance underwriting or claims processing and obtaining relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), can improve job prospects. Proficiency with underwriting software and knowledge of auto insurance policies are also important.
Infographic showing various Auto Underwriter job openings in Kentucky as of August 2026, with employment types broken down into 1% As Needed, 70% Full Time, 18% Part Time, 7% Temporary, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $68,508 per year, or $32.9 per hour.

Commercial Lines Auto Underwriter/Senior - Hybrid

Arbella 56 Group

On-site

$70 - $100/hr

Other

Posted yesterday

New


Job description

At Arbella, we’re focused on people. We work hard to attract and retain the best. That means providing a great work environment, encouraging work/life balance, offering flexible work arrangements, and competitive salaries and benefits packages. We invest in our employees and encourage them to grow so that we, too, can grow as a company.

Other perks include:

  • Company nurse, nutritional counseling, and mental health resources
  • Tuition assistance programs
  • Opportunities to get involved: Arbella Activities Committee, Diversity and Inclusion Council, and more
  • A company committed to community: volunteer opportunities, employee- led community efforts, and the Arbella Insurance Foundation
  • Robust training, mentorship, and professional/personal development programs
  • Colleagues who genuinely care about each other

Arbella is committed to building a workplace that’s diverse, inclusive, and equitable for everyone. We’ve created a culture that supports a diverse workplace where all are valued for their talents and are empowered to reach their full potential. It’s no wonder our employees have voted Arbella one of the Boston Business Journal’s “Best Places to Work” every year since 2009!

The primary function of this role is to drive profitable growth, strengthen agency relationships, and successfully manage a voluntary commercial auto book.

The position is responsible for evaluating new and renewal business in accordance with the company's underwriting practices. Candidate will be hired at the appropriate level based on experience.

Key Responsibilities:
  • Evaluate new and renewal business. Makes profitable individual risk selection/judgments/recommendations within authority, based on Arbella’s underwriting philosophies and guidelines
  • Ability to review and accurately process endorsement requests
  • Maintain accurate underwriting documentation and information to meet underwriting guidelines and authority
  • Effectively manage a book of voluntary commercial auto business within the underwriting territory to provide excellent service to our agents, and meet company financial objectives
  • Provides timely, courteous and efficient service regarding underwriting and related matters to internal and external stakeholders.
  • Ability to effectively communicate the company appetite, products, and guidelines to our agents
  • Build and develop agency relationships with visits (in-person and virtual).
  • Leverage agency relationships to help with company growth and retention initiatives
  • Collaborate with Marketing to help manage the assigned underwriting territory
  • Through ongoing education and training, maintain current skills and increase professional development of underwriting skills. Staying current on market conditions and industry trends is critical.
  • Ability to work independently in identifying risk/exposure, negotiating pricing, and understanding coverage
Key Requirements:
  • 3+ years of experience in commercial lines underwriting or a related role within the industry
  • Knowledge of commercial auto (coverages, terms, concepts)
  • Bachelor’s degree or equivalent professional experience Insurance education/designations preferred
  • Strong understanding of insurance industry practices, underwriting principles, and risk evaluation
  • Strong communication, organization, and time management skills

Our current reasonable and good faith estimate of the annual salary wage range for this position is approximately $70,000 to $80,000 CL Underwriter and $80,000 to $100,000 Sr. CL Underwriter based on a variety of factors including, but not limited to, relevant skills and experience, educational background and certifications, performance and qualifications, market demand for the role and other organizational needs. Please note: The advertised pay range is not a guarantee or promise of a specific wage.

#LI-MG1 Voted Boston’s Best Place To Work by the Boston Business Journal since 2009! People stay when they love a company and its culture—and our average tenure is over 11 years! We take care of our people with the same warmth and dedication that we do our customers. There is an energy here at Arbella. We are a people‑first organization, and you feel that from the moment you walk in the door.

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