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$28K

$62.3K

$105K

How much do entry level insurance underwriter jobs pay per year?

As of Jun 5, 2026, the average yearly pay for entry level insurance underwriter in the United States is $62,283.00, according to ZipRecruiter salary data. Most workers in this role earn between $44,000.00 and $83,500.00 per year, depending on experience, location, and employer.

What Does an Entry Level Insurance Underwriter Do?

An entry-level insurance underwriter works as a trainee or assistant while learning how to assess an insurance application, define risk, determine eligibility, calculate policy premiums, and accept or deny each request for coverage. You perform your duties under the supervision of a senior underwriter. At the start of your career, your responsibilities focus on data collection and basic application processing. As you gain experience, you handle more-complex applications and can work independently. An insurance underwriter can specialize in life, property, casualty, commercial, or specialty insurance.

What are the key skills and qualifications needed to thrive as an Entry Level Insurance Underwriter, and why are they important?

To thrive as an Entry Level Insurance Underwriter, you need a solid understanding of risk assessment, analytical thinking, and attention to detail, typically backed by a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, insurance databases, and sometimes certifications like Associate in Commercial Underwriting (AU) are valuable. Strong communication, organizational skills, and the ability to make sound judgments help you stand out in this position. These skills and qualifications ensure accurate risk evaluations, effective decision-making, and smooth collaboration with clients and colleagues.

What are some typical challenges faced by entry level insurance underwriters, and how can they be overcome?

Entry level insurance underwriters often encounter challenges such as learning to assess risk accurately with limited experience, keeping up with ever-changing regulations, and managing a high volume of applications within tight deadlines. Overcoming these challenges involves actively seeking mentorship from senior underwriters, participating in ongoing training programs offered by employers, and developing strong organizational skills. Collaborating closely with colleagues in claims, sales, and actuarial departments also helps new underwriters gain a broader perspective and make more informed decisions.

What is the difference between Entry Level Insurance Underwriter vs Insurance Claims Adjuster?

AspectEntry Level Insurance UnderwriterInsurance Claims Adjuster
Required CredentialsHigh school diploma or bachelor’s; some certifications (e.g., CPCU) beneficialHigh school diploma or bachelor’s; licensing may be required
Work EnvironmentOffice-based, analyzing applications and risk factorsField and office work, investigating claims
Industry UsageInsurance companies, underwriting departmentsInsurance companies, claims departments
Common Search/ComparisonEntry Level Insurance Underwriter vs Insurance Claims Adjuster

While both roles are vital in the insurance industry, an Entry Level Insurance Underwriter primarily assesses risk and approves policies, whereas an Insurance Claims Adjuster investigates and settles claims. Both positions require strong analytical skills and industry knowledge, but they focus on different stages of the insurance process.

More about Entry Level Insurance Underwriter jobs
What cities are hiring for Entry Level Insurance Underwriter jobs? Cities with the most Entry Level Insurance Underwriter job openings:
What are the most commonly searched types of Insurance Underwriter jobs? The most popular types of Insurance Underwriter jobs are:
What states have the most Entry Level Insurance Underwriter jobs? States with the most job openings for Entry Level Insurance Underwriter jobs include:
What job categories do people searching Entry Level Insurance Underwriter jobs look for? The top searched job categories for Entry Level Insurance Underwriter jobs are:
Entry Level Insurance Underwriter jobs near you
Infographic showing various Entry Level Insurance Underwriter job openings in the United States as of May 2026, with employment types broken down into 1% As Needed, 76% Full Time, 21% Part Time, and 2% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $62,283 per year, or $29.9 per hour.
Associate Underwriter - Agri Business

Associate Underwriter - Agri Business

Capital Insurance Group

Phoenix, AZ

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

Learn More about what it means to be an Associate Underwriter - Agribusiness at CIG HERE!

Benefits

  • Accrue twenty-one days of Paid Time Off during your first year

  • Up to eighty-seven percent of benefits are covered by CIG for you and your family members

    • Medical, Dental, Vision plans, Telehealth

  • One hundred percent covered plans

    • Basic Life & AD&D

    • Employee Assistance

    • Leave Management

    • Long Term Disability

    • Short Term Disability (Outside of CA)

    • Employee Benefit Advocacy Hot Line

  • Family Caregiver Support (Homethrive)

  • Child Care Resources (Tootris)

  • Business Travel Accident Protection

  • Voluntary benefit offerings

    • Short-term Disability (CA only)

    • Voluntary Life AD&D self, spouse, and child plans

    • Flexible Spending (FSA)

    • Health Savings (HSA)

    • Hospital Indemnity

    • Accidental Injury

    • Pet Insurance

    • Commuter Benefit

  • Critical Illness

  • ARAG Legal Services

  • Norton LifeLock

  • Nine paid holidays, plus two floating holidays

  • Above and Beyond Reward Recognition Program

    • Kudos & Shout Out Points Program

    • Quarterly Above and Beyond Bonus Program

    • Annual Above and Beyond Bonus Program

  • Competitive compensation

    • Base compensation

    • Salary Management Spot Bonuses

    • Annual Incentive/Profit sharing program, potential payout annually based on company results.

  • Discount partnerships

    • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more

  • Insurance, educational reimbursement, and bonus programs

  • Employee Referral Bonus Program

  • Home and Auto Insurance Discount Program.

  • Paid Volunteer Time – Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!

  • Retirement savings benefit (401k and Roth + match)

  • Health & Financial Wellness

    • Wellness platform, tools, and events - Vitality

    • Health Savings Account – match

    • Financial Wellness Resources

Work Environment & Format

The Associate Underwriter – Agri-Business role is a hybrid position, and candidates may be considered from any of the following offices: Roseville, CA; Monterey, CA; Spokane, WA; and Phoenix, AZ.

Job Overview

Under direct supervision, this position will perform entry-level underwriting duties in support of an Agri business insurance underwriting team. The Associate Underwriter will perform the preliminary review of new risks as well as assist in the renewal process for existing accounts. General duties will include the evaluation of applications, endorsements, and related underwriting documents. The Associate will review individual agri business submissions to evaluate the degree of exposure and approve, request additional information, or reject based on Company risk selection guidelines. This position functions in a production support role, but may be called upon to conduct agency visits, develop new business, and support marketing in a territory of assigned agents. The Associate Underwriter operates within a clearly defined level of delegated underwriting authority and refers risks of higher exposure or complexity to a senior underwriter. The position may also perform ancillary administrative duties for commercial accounts to support agency service objectives.

Requirements

  • Underwriting practice, procedures, rules and regulations
  • Rating plans (ISO or similar) and commercial lines coverages
  • Knowledge of social, economic and competitive aspects of territory assigned
  • National and local business conditions and trends
  • Underwriting and marketing philosophy and procedure
  • Insurance industry terminology and laws, especially those pertaining to assigned area
  • General policies and procedures for underwriting insurance risks
  • Correlate risk factors to underwriting standards to determine acceptance of risk
  • A college degree in a business, insurance, or a financial discipline is preferred (or equivalent work experience) along with one to three years of commercial lines rating, processing, or underwriting experience, that includes loss analysis and risk selection.
  • Dedication to continuing education, insurance certification and technical coursework is required.
  • Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.

Salary Range: $55,012 - $91,687

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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