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Insurance Rater Jobs in Phoenix, AZ (NOW HIRING)

The State of Arizona

Insurance Analyst

Phoenix, AZ · On-site +1

$52K/yr

Anticipated Hire Rate: $52,029.12 Grade: 20 Closing Date: 07/30/2026 Job Summary: The Risk Management Insurance Analyst works in a team environment and performs professional level tasks associated ...

LIBERTY NATIONAL

Insurance Sales

Gilbert, AZ · Remote

Globe Life is an S&P 500 and Fortune 1000 company with an AA- rating from S&P Global Ratings**. Globe Life is also the Official Life Insurance of the Texas Rangers, Dallas Cowboys, and the Los ...

LIBERTY NATIONAL

Insurance Sales

Chandler, AZ · Remote

Globe Life is an S&P 500 and Fortune 1000 company with an AA- rating from S&P Global Ratings**. Globe Life is also the Official Life Insurance of the Texas Rangers, Dallas Cowboys, and the Los ...

LIBERTY NATIONAL

Insurance Sales

Mesa, AZ · Remote

Globe Life is an S&P 500 and Fortune 1000 company with an AA- rating from S&P Global Ratings**. Globe Life is also the Official Life Insurance of the Texas Rangers, Dallas Cowboys, and the Los ...

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All JobsInsurance Rater JobsInsurance Rater Jobs in Phoenix, AZ

Insurance Rater information

See Phoenix, AZ salary details

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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 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.

Commercial lines Insurance Agent - Bilingual

Scali Insurance Group

Phoenix, AZ • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 10 days ago

Job description

Job Type
Full-time
Description
At Contractors Insurance Agency, we provide our clients with high-quality insurance products and services at competitive and affordable rates. We take pride in building long-term relationships with contractors and delivering exceptional customer service that supports their business success.
The Producer plays a key role in driving sales growth by acquiring new business and managing client relationships. This position is responsible for increasing market penetration within an assigned territory while retaining and strengthening existing client accounts. Success in this role requires a strong focus on business development, account management, profitability, and customer retention.
The Producer must possess excellent communication and negotiation skills, with the ability to review and adjust coverage options and pricing as market conditions evolve. Building trust with clients and providing tailored insurance solutions are essential to long-term success in this role.
Primary Responsibilities
  • Contact and follow up on assigned leads to develop new business opportunities
  • Handle incoming calls and respond to client inquiries in a professional and timely manner
  • Assist walk-in clients by assessing their insurance needs and providing appropriate solutions
  • Negotiate policy terms, coverage options, and pricing with clients
  • Review and analyze client requirements, qualifications, exposures, and risks to recommend suitable insurance products
  • Maintain and grow relationships with existing clients to ensure retention and satisfaction
  • Collaborate proactively with Customer Service Representatives (CSRs) to identify opportunities and provide exceptional client support
  • Monitor market trends and participate in rate negotiations and policy reviews as needed
  • Perform other duties and responsibilities as assigned

Requirements
Required Qualifications
  • Minimum of 3 years of insurance industry experience
  • High school diploma or equivalent required
  • Active Property & Casualty (P&C) License
  • Ability to write and service:
    • General Liability
    • Workers' Compensation
    • Excess Liability
    • Business Auto
  • Proficient in Microsoft Word, Excel, and Outlook
  • Experience with AMS360 is a plus
  • Bilingual (English/Spanish) preferred
Benefits
This is a full-time position offering a competitive compensation package and benefits, including:
  • Paid Time Off (PTO)
  • Paid Holidays
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) with Company Matching

Contractors Insurance Agency is committed to providing exceptional service to our clients while creating opportunities for our employees to grow and succeed. If you are a motivated insurance professional with a passion for sales and client relationships, we encourage you to apply.
Salary Description
Hourly base pay plus commission

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