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Insurance Rater Jobs in Phoenix, AZ (NOW HIRING)

Farmers Insurance Agencies

Insurance Sales

Peoria, 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 ...

Farmers Insurance Agencies

Insurance Sales

Phoenix, 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 ...

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All JobsInsurance Rater JobsInsurance Rater Jobs in Phoenix, AZ

Insurance Rater information

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$17

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How much do insurance rater jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for insurance rater in Phoenix, AZ is $19.05, according to ZipRecruiter salary data. Most workers in this role earn between $19.04 and $19.04 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 jobs pay 4000 a week without a degree?

An insurance rater typically earns less than $4,000 weekly, but high-earning roles without a degree include sales managers, real estate brokers, and certain skilled trades like electricians or plumbers, especially with experience and certifications. These jobs often require strong skills, licensing, or sales ability and can reach or exceed $4,000 per week in high-demand markets or with commissions.

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 found in 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 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.

How much does an insurance rater make?

The average salary for an insurance rater is around $50,000 to $70,000 per year, depending on experience, location, and employer. Insurance raters typically analyze data and assess risk, often requiring strong analytical skills and familiarity with insurance policies and rating software.
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, 75% Full Time, 19% Part Time, and 5% Contract. Highlights an 90% Physical, 1% Hybrid, and 9% Remote job distribution, with an average salary of $39,633 per year, or $19.1 per hour.
Senior Python Insurance Pricing & Hyperexponential (HX) Specialist

Senior Python Insurance Pricing & Hyperexponential (HX) Specialist

Okaya Corp.

Phoenix, AZ • On-site

Contractor

Posted 20 days ago

Job description

Job Summary
We are seeking an experienced Senior Python Insurance Pricing & Hyperexponential (HX) Specialist with strong expertise in insurance rating and pricing systems along with hands-on Python development experience. The ideal candidate will be responsible for designing, developing, enhancing, and maintaining pricing and rating solutions for insurance products.
The role requires strong knowledge of insurance rating methodologies, the ability to translate actuarial and underwriting requirements into technical solutions, and experience working with Hyperexponential (HX) or similar insurance pricing platforms. Experience in predictive modeling and pricing optimization will be considered a strong advantage.
Key Responsibilities
  • Design, develop, and maintain insurance rating and pricing logic using Python.
  • Implement and enhance rating algorithms, factor tables, discounts, surcharges, and validation rules.
  • Translate actuarial specifications, underwriting guidelines, and business requirements into scalable technical pricing solutions.
  • Configure and support HX-based product and pricing models.
  • Integrate pricing and rating services with policy administration and downstream systems using REST APIs and service-based architectures.
  • Perform unit testing, validation testing, and regression testing of rating and pricing calculations.
  • Support product launches, pricing updates, regulatory changes, and rate revisions.
  • Analyze pricing and rating outcomes to support model optimization and refinement.
  • Collaborate closely with Actuarial, Product, Underwriting, QA, and DevOps teams.
  • Troubleshoot and resolve production issues related to pricing and rating logic.
  • Contribute to technical best practices, continuous improvement, and solution optimization initiatives.

Mandatory Skills & Qualifications
Technical Skills (Must-Have)
  • Strong hands-on Python development experience, including:
    • Object-Oriented Programming (OOP)
    • Data structures and algorithms
    • Performance optimization
  • Proven experience building, enhancing, or supporting insurance rating/pricing engines.
  • Strong SQL and relational database expertise.
  • Hands-on experience with RESTful APIs and service-oriented architectures.

Insurance Domain Expertise (Must-Have)
Strong understanding of insurance rating and pricing concepts, including:
  • Base rates and modifiers
  • Tiering, discounts, and surcharges
  • Risk factors and territories
  • Classes, deductibles, and coverage limits

Experience working with insurance products is required, preferably within the Property & Casualty (P&C) domain. Candidates from other insurance domains with strong pricing/rating experience will also be considered.
Desired / Preferred Skills
  • Knowledge or hands-on experience with Hyperexponential (HX) or similar insurance pricing platforms.
  • Experience in predictive modeling for insurance pricing or risk assessment.
  • Familiarity with statistical modeling or machine learning techniques used in underwriting and pricing.
  • Exposure to actuarial pricing models and methodologies.
  • Experience with cloud platforms such as:
    • Azure
    • AWS
    • GCP
  • Understanding of CI/CD pipelines and DevOps practices.
  • Experience with Duck Creek Rating or Policy modules is a plus.

Kindly submit the resume with the details mentioned below, ensuring each submission follows the required format.
This will help maintain consistency and proper tracking of all profiles shared for the requirement.

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