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Insurance Rater Jobs (NOW HIRING)

Staffingine LLC

Insurance Rating Tester

Hartford, CT · On-site

Insurance Rating Tester Job Location: Hartford, CT Job Type: Contract * The Rating Test Specialist is responsible for validating insurance rating logic premium calculations and pricing rules across ...

Reliable Insurance Services

Insurance Agent

Anaheim, CA · On-site

$3K - $8K/mo

Company Description EXPLORE OUR SERVICES Insurance rates in California have reached unprecedented highs. With companies frequently increasing prices and imposing stricter restrictions, many drivers ...

SIRI AUTO INC

Auto Insurance Agent

Vista, CA

$20 - $27/hr

Pay Low Insurance is seeking highly motivated sales agents to deliver our exceptional auto and home insurance rates alongside industry-leading services. Responsibilities: * Sell a range of products ...

Florida Farm Bureau

Insurance Agent

Pensacola, FL · On-site

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Florida Farm Bureau

Insurance Agent

Pensacola, FL

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Florida Farm Bureau

Insurance Agent

Pensacola, FL

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Florida Farm Bureau

Insurance Agent

Macclenny, FL · On-site

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Florida Farm Bureau

Insurance Agent

Macclenny, FL

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Florida Farm Bureau

Insurance Agent

Jacksonville, FL · On-site

Best "A" Excellent rating - a designation achieved by only 3 percent of property and casualty insurers in the nation. Southern Farm Bureau Casualty has become a leader in the insurance industry ...

Adams Clinical

Clinician, Rater

Watertown, MA · On-site

$90K - $120K/yr

The Clinician - Rater is responsible for conducting structured clinical interviews, diagnostic ... Health insurance * Health savings account * Life insurance * Paid time off * Parental leave

Farmers Insurance 1475

Insurance Apprentice

Festus, MO

$45K - $60K/yr

Leverage accurate data, customer information, and insurance rates to develop quotes for insurance policies Qualifications: * Excellent at building rapport and relationships with people * Job seekers ...

Adams Clinical

Clinician, Rater

Boston, MA

$90K - $120K/yr

The Clinician - Rater is responsible for conducting structured clinical interviews, diagnostic ... Health insurance * Health savings account * Life insurance * Paid time off * Parental leave

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Insurance Rater information

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How much do insurance rater jobs pay per hour?

As of Jun 14, 2026, the average hourly pay for insurance rater in the United States is $19.23, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $19.23 per hour, depending on experience, location, and employer.

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

To thrive as an Insurance Rater, you need strong analytical skills, attention to detail, and knowledge of insurance policies and rating procedures, often supported by a high school diploma or equivalent. Familiarity with insurance rating software, databases, and sometimes certification in insurance principles or underwriting systems is common. Excellent organizational skills, clear communication, and the ability to work accurately under pressure help set top performers apart. These skills ensure precise risk assessment, accurate premium calculations, and compliance with regulations, which are critical for the credibility and profitability of insurance providers.

What are some common challenges faced by Insurance Raters, and how can they be overcome?

Insurance Raters often encounter challenges such as interpreting complex insurance policies, keeping up with regulatory changes, and ensuring accuracy while handling large volumes of data. To overcome these, it's essential to stay updated on industry regulations through regular training and to develop strong attention to detail. Collaborating closely with underwriters and using specialized rating software can also help streamline the process and minimize errors.

What jobs pay 500,000 a year in the US?

Insurance raters typically do not earn $500,000 annually; high earnings in the insurance industry are usually associated with executive roles such as chief risk officers or agency owners, which require extensive experience, leadership skills, and often a large client base. Most roles in insurance rating focus on data analysis and risk assessment with salaries significantly below that level. Achieving such high income generally involves senior management or entrepreneurial positions within the industry.

What does an insurance rater do?

An insurance rater evaluates insurance applications by analyzing risk factors, such as health, driving records, or property details, to determine appropriate premium rates. They use specialized software and industry guidelines to ensure accurate and consistent pricing for insurance policies.

What jobs pay 10,000 a month without a degree?

An insurance rater can potentially earn around $10,000 per month through commissions and bonuses, especially with experience and a strong client network. Other high-paying jobs without a degree include sales roles, real estate agents, and certain skilled trades like commercial driving or technical work, which often rely on certifications and experience rather than formal education.

What jobs pay 2000 a day?

Insurance raters typically do not earn $2,000 a day; high-earning roles in finance, consulting, or specialized medical fields may reach such daily rates. These positions often require advanced skills, certifications, or extensive experience and may involve freelance or contract work with high hourly or project-based pay.

What is the difference between Insurance Rater vs Insurance Underwriter?

AspectInsurance RaterInsurance Underwriter
CredentialsTypically requires a high school diploma or equivalent; some roles may prefer insurance or customer service experienceRequires a bachelor's degree, often in finance, business, or related fields; certifications like CPCU are common
Work EnvironmentOffice setting, often in insurance companies or agencies; focus on data entry and rate calculationsOffice environment; involves evaluating risks, reviewing applications, and approving policies
Employer & Industry UsageUsed mainly in insurance companies and agencies for rate settingUsed in insurance companies for risk assessment and policy approval

While both roles are integral to the insurance industry, Insurance Raters primarily focus on calculating and setting insurance rates based on data, whereas Insurance Underwriters evaluate risks and decide on policy approval. Understanding these differences helps clarify career paths and job expectations within the insurance sector.

More about Insurance Rater jobs
What cities are hiring for Insurance Rater jobs? Cities with the most Insurance Rater job openings:
What are the most commonly searched types of Insurance Rater jobs? The most popular types of Insurance Rater jobs are:
What states have the most Insurance Rater jobs? States with the most job openings for Insurance Rater jobs include:
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What are popular job titles related to Insurance Rater jobs? For Insurance Rater jobs, the most frequently searched job titles are:
Insurance Rater jobs near you
Infographic showing various Insurance Rater job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 74% Full Time, 19% Part Time, and 6% Contract. Highlights an 78% Physical, 6% Hybrid, and 16% Remote job distribution, with an average salary of $39,990 per year, or $19.2 per hour.
Insurance Rating Tester

Insurance Rating Tester

Staffingine LLC

Hartford, CT • On-site

Contractor

Posted 28 days ago

Job description

Job Title: Insurance Rating Tester
Job Location: Hartford, CT
Job Type: Contract

Job Description:

  • The Rating Test Specialist is responsible for validating insurance rating logic premium calculations and pricing rules across policy lifecycle transactions.
  • Validate rate tables rating algorithms and underwriting rules across new business renewals endorsements cancellations and rewrites.
  • Perform premium calculation testing including base rate modifiers discounts surcharges taxes and fees.
  • Analyze rate filings actuarial specifications and business rule documents to derive comprehensive test scenarios.
  • Execute functional and data driven testing to validate rating logic against approved rate books and filings.
  • Verify state jurisdiction specific rules regulatory compliance and effective dated rate changes.
  • Conduct regression testing for rate changes product launches and system upgrades
  • Perform negative and boundary testing for rating exceptions edge cases and overrides
  • Collaborate with Actuarial Product Underwriting and Development teams to clarify rating logic and resolve defects
  • Log track and validate defects related to pricing discrepancies using defect management tools
  • Support UAT and production validation PPV for rate changes and releases
  • Contribute to test estimation test planning and rate test coverage reporting
  • Required Skills Experience
  • Strong experience in Insurance Rate Rating Testing PC preferred LifeAnnuities acceptable.
  • Handson knowledge of rating engines and pricing logic e.g. Guidewire Rating Duck Creek Rating proprietary engines
  • Strong understanding of insurance policy lifecycle and pricing constructs
  • Ability to interpret rate filings actuarial documents and product specs
  • Experience with SQL data validation to verify premium calculations and rating outputs

Testing Skills

  • Expertise in functional regression and data validation testing
  • Experience creating rate matrices test scenarios and calculation worksheets
  • Familiarity with Agile SAFe delivery models