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Insurance Underwriter Jobs in Normal, IL (NOW HIRING)

Rivian

Insurance Advisor

Normal, IL · On-site

$79K - $99K/yr

Deep knowledge of P&C products, underwriting guidelines across multiple carriers, and the ability ... insurance, and long-term disability insurance to eligible employees. You may also have the ...

Rivian

Insurance Advisor

Normal, IL

$79K - $99K/yr

Role Summary As an Insurance Advisor, you are a senior frontline representative of the Rivian ... Deep knowledge of P&C products, underwriting guidelines across multiple carriers, and the ability ...

Rivian

Associate Insurance Advisor

Normal, IL

$63K - $79K/yr

You are an insurance consultant capable of solving difficult challenges that come with complex ... Deep knowledge of P&C products and underwriting guidelines across multiple carriers. * Composure:

Rivian

Associate Insurance Advisor

Normal, IL · On-site

$63K - $79K/yr

Deep knowledge of P&C products and underwriting guidelines across multiple carriers. * Composure ... insurance, and long-term disability insurance to eligible employees. You may also have the ...

Rivian

Associate Insurance Advisor

Normal, IL · On-site

$63K - $79K/yr

Deep knowledge of P&C products and underwriting guidelines across multiple carriers. * Composure ... insurance, and long-term disability insurance to eligible employees. You may also have the ...

Varsity Tutors

Insurance License Tutor

Normal, IL · Remote

$28 - $40/hr

Deep knowledge of insurance licensing examination content covering life insurance, health insurance, property insurance, casualty insurance, insurance regulations, policy provisions, and underwriting ...

Corgi Insurance Services, Inc

Head of People

Atlanta, IL · On-site

$160K - $230K/yr

About Corgi Corgi is a full-stack insurance carrier building better, faster insurance products for startups. We're not a broker, so we underwrite and issue policies directly, with fewer handoffs and ...

State Farm

Product Analyst, Sharing Economy

Bloomington, IL · On-site

$80K - $177K/yr

Develops and applies key insights and capabilities for commercial insurance exposures and products ... Advanced knowledge of P&C Industry, underwriting concepts, practices, procedures and techniques ...

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All JobsInsurance Underwriter JobsInsurance Underwriter Jobs in Normal, IL

Insurance Underwriter information

See Normal, IL salary details

$27.4K

$60.9K

$102.7K

How much do insurance underwriter jobs pay per year?

As of Jul 9, 2026, the average yearly pay for insurance underwriter in Normal, IL is $60,892.00, according to ZipRecruiter salary data. Most workers in this role earn between $43,000.00 and $81,600.00 per year, depending on experience, location, and employer.

Is underwriting in insurance a good career?

Insurance underwriting is a stable career that involves evaluating risks and determining policy terms, often requiring analytical skills and attention to detail. It offers opportunities for advancement, professional certification, and a consistent work environment, making it a viable option for those interested in finance and risk management.

What does an insurance underwriter do?

An insurance underwriter evaluates applications for insurance coverage and determines the level of risk involved in insuring a person or asset. They review information such as application forms, medical records, and financial documents to decide whether to offer insurance and at what premium rate. Underwriters play a crucial role in helping insurance companies set appropriate coverage terms and minimize potential losses. Their work ensures that the company remains profitable while providing fair and accurate coverage to clients.

What are some common challenges insurance underwriters face in balancing risk and customer satisfaction?

Insurance underwriters often face the challenge of assessing risks accurately while maintaining competitive offerings that satisfy clients. Striking the right balance can be difficult, as being too cautious may result in lost business, while being overly lenient can lead to unprofitable claims. Underwriters must stay current with industry trends, regulations, and risk assessment tools, and they frequently collaborate with agents and actuaries to ensure sound decisions. Effective communication and analytical skills are essential to navigate these competing demands and to help build long-term client relationships.

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

To thrive as an Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of finance and risk assessment, often supported by a bachelor's degree in business, finance, or related fields. Familiarity with underwriting software, risk management systems, and relevant certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Excellent communication, decision-making, and negotiation skills help underwriters explain policies and collaborate effectively with agents and clients. These skills are vital for accurately assessing risk, ensuring profitability, and maintaining strong client relationships in the insurance industry.

What qualifications do I need to be an underwriter?

To become an insurance underwriter, a bachelor's degree in fields such as finance, economics, or business is typically required. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and risk assessment. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

What Are Insurance Underwriters?

Insurance underwriters evaluate insurance policy applications, assess the risk, and make recommendations for coverage and premium pricing to insurance issuers. As an insurance underwriter, you use computer software and specific criteria to assess risk and establish pricing and research other factors such as market trends and equity values to provide data to support your recommendations. You determine if the policy will likely be a good financial investment for the insurance provider.

What do you do as an insurance underwriter?

An insurance underwriter evaluates insurance applications to determine coverage eligibility and premium rates based on risk assessment. They review applicant information, analyze data, and ensure policies comply with company standards, often using specialized software. Strong analytical skills and knowledge of insurance policies are essential for this role.

What is the difference between Insurance Underwriter vs Claims Adjuster?

AspectInsurance UnderwriterClaims Adjuster
Primary RoleAssess risk and determine policy termsEvaluate insurance claims and determine payouts
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonOften requires a bachelor's degree; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, investigating claims and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Both roles are integral to the insurance industry, with underwriters focusing on risk assessment before policy issuance, and claims adjusters handling claims after a loss occurs. While their work environments and responsibilities differ, they often require similar credentials and certifications, making them closely related career paths within insurance companies.

How much do you get paid for an insurance underwriter?

Insurance underwriters typically earn a median annual salary of around $70,000, with salaries ranging from approximately $50,000 to over $100,000 depending on experience, location, and industry. Entry-level underwriters may start lower, while experienced professionals or those in specialized fields can earn higher wages, often supplemented by certifications and advanced skills.
More about Insurance Underwriter jobs
What are popular job titles related to Insurance Underwriter jobs in Normal, IL? For Insurance Underwriter jobs in Normal, IL, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Normal, IL look for? The top searched job categories for Insurance Underwriter jobs in Normal, IL are:
What cities near Normal, IL are hiring for Insurance Underwriter jobs? Cities near Normal, IL with the most Insurance Underwriter job openings:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Normal, IL as of July 2026, with employment types broken down into 1% As Needed, 70% Full Time, 25% Part Time, and 4% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $60,892 per year, or $29.3 per hour.
Managing Underwriter, Mobility and Sharing Economy

Managing Underwriter, Mobility and Sharing Economy

State Farm

Bloomington, IL • On-site

$137K - $179K/yr

Full-time

Medical, Dental, Vision, Retirement

Posted 23 days ago

State Farm rating

7.4

Company rating: 7.4 out of 10

Based on 1,516 frontline employees who took The Breakroom Quiz

207th of 278 rated insurance

Job description

Overview
Being good neighbors - helping people, investing in our communities, and making the world a better place - is who we are at State Farm. It is at the core of how we operate and the reason for our success. Come join a #1 team and do some good!
Responsibilities
Join State Farm's Sharing Economy Practice as a Managing Underwriter and help drive profitable growth across a dynamic and evolving large commercial insurance portfolio. This opportunity is ideal for an experienced commercial lines insurance professional who brings strong underwriting expertise, a relationship-driven approach to working with brokers and customers, and a business development mindset. In this B2B role, you'll evaluate complex risks, build and strengthen strategic market relationships, and work across the enterprise to support growth, retention, and long-term portfolio performance within State Farm's Mobility and Sharing Economy product line.
Primary Responsibilities
  • Serve as the primary relationship manager and point of contact for Sharing Economy customers and their brokers, representing State Farm in a B2B, broker-led, large commercial marketplace.
  • Drive new business and retention through a proactive sales-and-service approach (RFI/RFP participation, renewal strategy, negotiation support, onboarding readiness, customer service).
  • Apply deep expertise in large commercial auto and Sharing Economy risk to assess exposures, recommend program structure/terms, and align opportunities with State Farm's risk appetite.
  • As a member of the Sharing Economy Practice and Extended Enablement team, you will work closely with enterprise partners (e.g., Claims, Actuarial, Finance, Legal, Risk/Compliance, Technology) to ensure responsive execution of customer needs, program changes, and issue resolution.
  • Provide market and portfolio insights (competitive dynamics, broker/customer feedback, emerging trends) that inform strategy, product enhancements, and operational improvements.
  • Identify emerging risks and operational friction points; elevate issues appropriately and help drive solutions that improve ease of doing business, compliance, and scalability.
  • Support disciplined portfolio management by monitoring account health and performance indicators and recommending actions to strengthen profitability, risk outcomes, and customer experience.

Qualifications
  • 3+ years' experience in large commercial auto underwriting and/or broker/account management (carrier or brokerage); Sharing Economy experience strongly preferred.
  • Demonstrated ability to build and maintain relationships with large commercial customers and national brokers, including experience with broker-led placements (RFI/RFP, negotiations, renewals).
  • Strong understanding of P&C commercial auto concepts: coverage, underwriting, risk selection, regulatory considerations.
  • Experience working with admitted and non-admitted (E&S) placements; familiarity with associated compliance/reporting preferred.
  • Ability to navigate ambiguity and operate with high autonomy while coordinating across multiple stakeholders to drive outcomes; ability to partner effectively with stakeholders throughout the enterprise (Actuarial, Claims, Legal, Finance, Technology, Risk, etc.).
  • Innovative, "start-up" mindset-comfortable challenging conventional approaches, pushing others to think differently, and driving practical solutions in a fast-moving market.
  • Strong communication skills with the ability to influence at all levels, including external executive audiences.

Required Skills and Competencies
  • Customer and broker mindset; strong focus on responsiveness and ability to create "easy to do business with" environment.
  • Strong underwriting judgment and commercial instincts; able to balance growth with disciplined risk management.
  • Leadership presence and credibility with external customers/brokers and internal leadership.
  • Strong analytical and problem-solving capability; able to synthesize complex information into clear recommendations.
  • Collaborative, proactive, and outcome oriented; effective at navigating cross-functional dependencies.
  • Adaptable and resilient in a fast-paced, evolving market environment.

Our Benefits
Because work-life balance is a priority at State Farm, compensation is based on our standard 38:45-hour work week!
Starting Salary Ranges based on experience, skillset and geographic location:
  • Potential starting salary range: $137,000.00 - $179,000.00
    • Starting salary will be based on skills, background, and experience
    • High end of the range limited to applicants with significant relevant experience
  • Potential yearly incentive pay up to 15% of base salary

For Los Angeles candidates: Pursuant to the Los Angeles Fair Chance Initiative for Hiring, we will consider for employment qualified applicants with criminal histories.
For San Francisco candidates: Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
For VT, HI, ME candidates:
• Potential salary range: $137,000.00 - $179,000.00
• Potential yearly incentive pay: up to 15% of base salary
For CO, WA, Washington DC, MD, IL, MA, VA candidates:
• Potential salary range: $137,000.00 - $196,900.00
• Potential yearly incentive pay: up to 15% of base salary
For CA, CT, NY, NJ candidates:
• Compensation Range: $137,000.00 - $223,750.00
• Potential yearly incentive pay: up to 15% of base salary
For Colorado and Remote candidates:
Application deadline is expected to close on 07/10/2026. Applicant volume and hiring needs may result in early closure or extension beyond the listed deadline. To submit an application, click "Apply" on the job listing page on the State Farm career site.
Requirements
  • Travel: May be required to travel overnight via commercial transportation and/or driving a vehicle to conduct/attend training, conferences, meetings, and/or seminars.
  • Flexible Work Schedule: May be required to work flexible, non-standard hours, including weekends and holidays, based on operational needs and workload.

At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!
  • Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.
  • Stay Well! Focus on you and your family's health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!
  • Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.
  • Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!
  • Take a Little "You" Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!
  • Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.
  • Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.

Visit our State Farm Careers page for more information on our benefits, locations, and the hiring process of joining the State Farm team!

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