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Insurance Rater Jobs in Phoenix, AZ (NOW HIRING)

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How much do insurance rater jobs pay per hour?

As of Aug 6, 2026, the average hourly pay for insurance rater in Phoenix, AZ is $19.09, according to ZipRecruiter salary data. Most workers in this role earn between $19.09 and $19.09 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 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 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.

What are the most commonly searched types of Insurance Rater jobs in Phoenix, AZ? The most popular types of Insurance Rater jobs in Phoenix, AZ are:
What are popular job titles related to Insurance Rater jobs in Phoenix, AZ? For Insurance Rater jobs in Phoenix, AZ, the most frequently searched job titles are:
What job categories do people searching Insurance Rater jobs in Phoenix, AZ look for? The top searched job categories for Insurance Rater jobs in Phoenix, AZ are:
Insurance Rater jobs near you
Infographic showing various Insurance Rater job openings in Phoenix, AZ as of July 2026, with employment types broken down into 1% As Needed, 71% Full Time, 22% Part Time, and 6% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $39,706 per year, or $19.1 per hour.

Insurance Sales Agent (Remote)

Jerry Insurance Agency, LLC

Phoenix, AZ • On-site, Remote

$100K - $150K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 21 hours ago

Job description

The Opportunity:
More than 80% of Americans own a car and see it as one of their biggest financial commitments, yet managing one still means paperwork, phone holds, and switching between apps that don't talk to each other. Jerry.ai built the first app to manage it all - insurance shopping, refinancing, safety, and repairs - and since launching in 2019, we've grown to over 5M customers.
Every one of those customers comes to us already looking for a policy, through our mobile or web app. As an Insurance Sales Agent, your job is to take that interest and turn it into a bound policy, matching each customer with the right coverage from one of Jerry's 55+ carrier partners.
Who you are:
  • You have 2+ years of experience as a top-performing sales agent
  • You can multitask and manage multiple competing priorities
  • You are passionate about helping others

How you will make an impact:
  • Respond to inbound calls from prospective customers for personal line auto, home, motorcycle, and other specialty insurance policies
  • Educate customers on insurance policy details such as coverage and pricing
  • Prepare and bind quotes through our carriers
  • Effectively problem solve and objection handle to remove barriers from the customer purchasing the policy with Jerry
  • Provide attentive, high energy conversation with customers that show we are actively engaged in finding a policy that best fits each individual's needs

Compensation and perks:
  • Hourly wage: $19.00 - 21.00 plus uncapped commissions (on target annual earnings: $100,000-$150,000+)
  • We will pay for your P&C license (expected within 2 weeks after starting)
  • Medical, dental, vision insurance, 401K match
  • Ability to work remotely (we provide work equipment)
  • Ongoing training and mentorship from our leadership team
  • An outstanding portfolio of insurance carriers and products - we work with over 55 carriers to ensure we can offer our customers the best options for them

This role includes flexible scheduling options, with the choice between a 5-day, 8-hour schedule or a 4-day, 10-hour workweek.
While we appreciate your interest and application, due to the volume of applications we receive, only applicants under consideration will be contacted.
Please note: Jerry.ai is only able to hire full-time salaried employees who currently reside in AZ, CA, CO, FL, GA, IL, MA, NC, NJ, NV, NY, OR, TN, TX, UT, VA, or Ontario, Canada, and full-time hourly employees who currently reside in AZ, FL, GA, NV, NY, NC, TN, TX, UT, or VA. Unfortunately, we cannot accept applications from candidates residing elsewhere at this time.
Jerry.ai is proud to be an Equal Employment Opportunity employer. We prohibit discrimination based on race, religion, color, national origin, sex, pregnancy, reproductive health decisions or related medical conditions, sexual orientation, gender identity, gender expression, age, veteran status, disability, genetic information, or other characteristics protected by applicable local, state or federal laws.
Jerry.ai is committed to providing reasonable accommodations for individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at recruiting@jerry.ai
The successful candidate's starting pay will fall within the pay range listed on this job posting, determined based on job-related factors including, but not limited to, skills, experience, qualifications, work location, and market conditions. Ranges are market-dependent and may be modified in the future. In addition to base salary, the compensation may include opportunities for equity grants.
We offer a comprehensive benefits package to regular employees, including health, dental, and vision coverage, paid time off, paid parental leave, 401(K) plan with employer matching, and wellness benefits, among others. Equity opportunities may also be part of your total rewards package. Part-time, contract, or freelance roles may not be eligible for certain benefits.
About Jerry.ai
Your car and your home are your most expensive assets. And for most people, these aren't just purchases, they're the physical embodiment of the life you've worked hard to build. Yet the experience of owning them is stuck in the 90s. Every step of the journey - buying, insuring, maintaining, repairing, selling - is fragmented, complicated, and expensive.
Imagine having a trusted friend in your pocket who takes care of everything: they find you the right car or home at the right price, lock in the best insurance rate without you lifting a finger, remind you before that service appointment turns into an expensive repair or, worse, an accident, and help you sell at the best price when the time is right. That friend is Jerry.
Jerry is building the first AI agent to manage all your physical assets. We started with car insurance in 2019, became one of the top 3 brokers in the U.S., then added driving insights, diagnostics, and a repair marketplace.
We've reached 5M+ customers, raised $240M+, and have been profitable since 2024. We're now expanding into home, motorcycle, RV, and beyond.
We're fully remote with offices in Palo Alto, New York, Chicago, and Toronto.

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