ZipRecruiter

Log In

1

Insurance Rater Jobs in Phoenix, AZ (NOW HIRING)

Farmers Insurance Agencies

Insurance Sales

Surprise, AZ · On-site

If commission is part of the compensation for this position, the agency owner can provide you a list of applicable insurance and insurance-related products along with the commission rates for which ...

next page

Showing results 1-20

All JobsInsurance Rater JobsInsurance Rater Jobs in Phoenix, AZ

Insurance Rater information

See Phoenix, AZ salary details

$17

$18

$19

How much do insurance rater jobs pay per hour?

As of Aug 28, 2026, the average hourly pay for insurance rater in Phoenix, AZ is $18.54, according to ZipRecruiter salary data. Most workers in this role earn between $18.56 and $18.56 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 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 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 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 August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, and 5% Contract. Highlights an 92% Physical, 1% Hybrid, and 7% Remote job distribution, with an average salary of $39,706 per year, or $19.1 per hour.

Insurance Producer

HomeServices Insurance

Scottsdale, AZ • On-site

Full-time

Re-posted 24 days ago

Job description

Responsible for assessing client's risk exposure on personal and/or commercial property, making appropriate recommendations and placing coverage to address those risks.
Job Duties and Responsibilities (Essential Job Functions)
  1. Market and sell personal lines insurance policies. Proactively contact all leads to recommend appropriate insurance, quote and place coverage. Identify and assess client risk exposures. (65-75%)
  2. Foster referral relationships with all real estate personnel including agents, office managers and mortgage brokers to maximize sales opportunities. (20-25%)
  3. Provide work direction as appropriate to new business specialists to ensure all aspects of client on-boarding are completed properly and in a timely manner. (0-5%)
  4. Actively monitor and report to management any circumstances that may lead to a potential or actual insurance errors and omissions claim, DOI (department of insurance) or related complaints. (0-5%)
  5. Remain current on industry trends and specific carrier underwriting requirements. Follow all company procedures and processing guidelines. (0-5%)
  6. Ensure license remains current to include taking CEUs as needed in a timely manner. (0-5%)
  7. Perform any additional responsibilities as requested or assigned. (0-5%)

Performance Expectations
  • Meet all performance and behavior expectations outlined in the company performance appraisal form or communicated by management.
  • Perform responsibilities as directed achieving desired results within expected time frames and with a high degree of quality and professionalism.
  • Establish and maintain positive and productive work relationships with all staff, customers and business partners.
  • Demonstrate the behavioral and technical competencies necessary to effectively complete job responsibilities. Take personal initiative for technical and professional development.
  • Follow the company HR Policy, the Code of Business Conduct and all subsidiary and department policies and procedures, including protecting confidential company information, attending work punctually and regularly, and following good safety practices in all activities.

Qualifications
Education:
  • Associate's degree or equivalent work experience and knowledge; bachelor's degree preferred.

Experience:
  • Two years' successful personal lines insurance sales experience.

Knowledge and Skills:
  • Excellent sales and marketing skills.
  • Working knowledge of insurance agency operations, coverages, rates, markets and applicable insurance laws/codes.
  • Working knowledge of risk assessment and risk management techniques.
  • Excellent analytical, problem-solving and decision-making skills.
  • Excellent oral, written and interpersonal skills.
  • Excellent automation, time management, and organizational skills.
  • Knowledge of real estate, title, and/or mortgage businesses preferred.
  • Appropriate state agent/broker personal lines insurance license.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

Apply