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Auto Underwriter Jobs in Michigan (NOW HIRING)

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create ... Auto-Owners Insurance, a top-rated insurance carrier, is seeking entry level motivated Underwriting ...

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create ... Auto-Owners Insurance, a top-rated insurance carrier, is seeking entry level motivated Underwriting ...

The Hartford

Captives Underwriter

Grand Rapids, MI · Hybrid

$124K - $199K/yr

You will have responsibility for underwriting workers compensation, general liability and commercial auto for Captive programs. The Captives Underwriter's major purpose is to profitably grow their ...

The Hartford

Captives Underwriter

Troy, MI · Hybrid

$124K - $199K/yr

You will have responsibility for underwriting workers compensation, general liability and commercial auto for Captive programs. The Captives Underwriter's major purpose is to profitably grow their ...

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$28.3K

$68.8K

$121.6K

How much do auto underwriter jobs pay per year?

As of Aug 26, 2026, the average yearly pay for auto underwriter in Michigan is $68,750.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,200.00 and $75,800.00 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.

What are popular job titles related to Auto Underwriter jobs in Michigan?

For Auto Underwriter jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Auto Underwriter jobs in Michigan look for?

The top searched job categories for Auto Underwriter jobs in Michigan are:

What cities in Michigan are hiring for Auto Underwriter jobs?

Cities in Michigan with the most Auto Underwriter job openings:

Auto Underwriter jobs near you
Infographic showing various Auto Underwriter job openings in Michigan as of August 2026, with employment types broken down into 1% As Needed, 67% Full Time, 28% Part Time, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $68,750 per year, or $33.1 per hour.

Underwriter - Surety Bond Underwriting

Lansing, MI • On-site

Auto-Owners Insurance
Insurance Services • 5 - 10K employees

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

22nd of 311 rated insurance

People enjoy working here

Good employer

Recommended by parents

Learn more about Auto-Owners Insuranceexternal

Full-time

Retirement, PTO

Re-posted 20 days ago

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Job Description
We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.
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 the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:
  • Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
  • Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
  • Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
  • Analyze loss experience, financial conditions and physical characteristics of risks
  • Acquires a working knowledge of supporting sections of the underwriting department
  • Effectively communicate with independent agents and other associates through verbal and/or written means
  • Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience
  • Bachelor's degree or direct equivalent experience with property/casualty underwriting
  • Contract surety experience preferred
  • Experience working with contract bonds is preferred
  • Ability to organize data, multi-task and make decisions independently
  • Above average communication skills (written and verbal)
  • Ability to write reports and compose correspondence
  • Ability to resolve complex issues
  • Continually develop product knowledge through participation in approved educational programs

Benefits
Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!
Equal Employment Opportunity
Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.
*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.
#LI-BK1 #LI-Hybrid

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