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Entry Level Personal Lines Underwriter Jobs (NOW HIRING)

Burns & Wilcox

Personal Lines Underwriter

MD · On-site

$105K - $120K/yr

Minimum 3 years of Personal lines underwriting or brokerage experience required, excess & surplus experience preferred * Demonstrated proficiency in sales and marketing * Proven organization skills ...

Jimcor Agency Inc.

Personal Lines Underwriter

Albany, NY · On-site

$50K - $65K/yr

Learn and develop an understanding of the personal lines marketplace. * Under supervision, analyze and underwrite new business for a select group of agents and senior underwriters. * Rate policies ...

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Entry Level Personal Lines Underwriter information

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$33.5K

$66.8K

$152K

How much do entry level personal lines underwriter jobs pay per year?

As of Sep 4, 2026, the average yearly pay for entry level personal lines underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What does an entry level personal lines underwriter do?

An Entry Level Personal Lines Underwriter evaluates insurance applications for personal products such as auto, home, and renters insurance. They review information from applicants, assess risks, and determine whether to approve or deny coverage based on company guidelines. Entry-level underwriters work closely with agents and more experienced underwriters to learn the decision-making process, ensuring that policies are written profitably while meeting customer needs. They also help with quoting premiums and may interact with customers to gather additional information.

What are the key skills and qualifications needed to thrive as an entry level personal lines underwriter?

To thrive as an Entry Level Personal Lines Underwriter, you need a solid understanding of insurance principles, risk assessment, and attention to detail, usually supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, policy management systems, and sometimes industry certifications like AINS can be advantageous. Strong analytical thinking, communication, and customer service skills help you explain decisions and collaborate effectively with agents and clients. These abilities are crucial for accurately evaluating risk, ensuring compliant policy issuance, and building positive business relationships.

What is the difference between Entry Level Personal Lines Underwriter vs Personal Lines Underwriter?

AspectEntry Level Personal Lines UnderwriterPersonal Lines Underwriter
CredentialsHigh school diploma or equivalent; some roles may prefer a bachelor's degreeTypically requires a similar or higher level of education, often with some industry certifications
Work EnvironmentOffice setting, working with insurance policies and dataSimilar office environment, with increased responsibility and decision-making
Employer & Industry UsageEntry-level roles in insurance companies, focusing on personal lines policiesMore experienced roles within the same industry, handling complex cases

In summary, Entry Level Personal Lines Underwriters are just starting their careers, focusing on basic policy evaluation, while Personal Lines Underwriters have more experience and handle complex cases. Both roles are essential in the insurance industry, with the main difference being experience and responsibility level.

How do you become an entry level personal lines underwriter?

To become an entry-level personal lines underwriter, candidates typically need a bachelor's degree in fields like finance, business, or insurance. Gaining knowledge of insurance policies, risk assessment, and using underwriting software is important, and some employers may prefer or require relevant internships or certifications such as the CPCU or AINS. Strong analytical skills and attention to detail are essential for success in this role.
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Cities with the most Entry Level Personal Lines Underwriter job openings:

What are the most commonly searched types of Personal Lines Underwriter jobs?

The most popular types of Personal Lines Underwriter jobs are:

What states have the most Entry Level Personal Lines Underwriter jobs?

States with the most job openings for Entry Level Personal Lines Underwriter jobs include:

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Entry Level Personal Lines Underwriter jobs near you
Infographic showing various Entry Level Personal Lines Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 20% Part Time, and 3% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Entry Level Personal Lines Underwriter

Auto-Owners Insurance

Lansing, MI • On-site

Full-time

Retirement, PTO

Re-posted 4 days ago

Auto-Owners Insurance rating

9.2

Company rating: 9.2 out of 10

Based on 35 frontline employees who took The Breakroom Quiz

23rd of 315 rated insurance

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
  • Acquire 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
  • 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-DNP #LI-Hybrid #IN-DNI

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