How much does an Insurance Rater make in the United States?
As of October 01, 2026, the average salary for an Insurance Rater in the United States is $41,077 per year, which breaks down to an hourly rate of $20.
However, an Insurance Rater's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $55,922
Majority Range (25th-75th percentile): $38,411 to $48,847
Key Factors That Influence Insurance Rater Salaries
An Insurance Rater's salary isn't a fixed number. It's shaped by several important factors.
Below, we'll explore how your years of experience, geographic location, education
and company size
can directly affect your earning potential.
How Experience Level Affects Insurance Rater Salaries?
Experience is a primary driver of an Insurance Rater's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:
How Do Insurance Rater Salaries Vary from State to State?
Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Insurance Raters. For example, consider the average annual salaries in these key locations:
District of Columbia: $45,480.
California: $45,308.
Massachusetts: $44,704.
District of Columbia$45,480
California$45,308
Massachusetts$44,704
Washington$44,540
New Jersey$44,523
Alaska$44,466
Connecticut$43,899
New York$43,669
Hawaii$42,934
Rhode Island$42,589
Maryland$42,354
Minnesota$42,034
Colorado$41,911
Illinois$41,870
Oregon$41,714
Delaware$41,599
New Hampshire$41,526
Virginia$41,365
Pennsylvania$40,892
Nevada$40,654
North Dakota$40,576
Michigan$40,453
Wisconsin$40,407
Vermont$40,317
Texas$40,067
Maine$40,050
Arizona$40,025
Ohio$39,997
Georgia$39,619
Indiana$39,430
Wyoming$39,393
Utah$39,335
Iowa$39,311
Kansas$39,114
Louisiana$39,056
North Carolina$39,035
Missouri$39,027
Florida$38,867
Montana$38,781
Nebraska$38,699
Kentucky$38,653
South Carolina$38,489
Tennessee$38,386
Idaho$38,345
New Mexico$38,046
Oklahoma$37,980
Alabama$37,737
South Dakota$37,331
Arkansas$37,109
West Virginia$36,990
Mississippi$36,632
Top Paying Cities for Insurance Raters
Salaries can also vary between different cities.
Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay.
Here are a few examples of average annual salaries in different U.S. cities:
San Jose: $51,810
San Francisco: $51,243
Oakland: $50,163
San Jose, CA$51,810
San Francisco, CA$51,243
Oakland, CA$50,163
New York, NY$47,296
Paramus, NJ$46,721
Queens Village, NY$46,719
Passaic, NJ$46,679
Bergenfield, NJ$46,676
Stamford, CT$46,585
Huntington, NY$46,569
Newark, NJ$46,265
Bridgeport, CT$46,178
Vallejo, CA$46,097
New Brunswick, NJ$46,080
Petaluma, CA$46,056
Middlesex, NJ$45,977
Somerset, NJ$45,949
Santa Cruz, CA$45,895
Boston, MA$45,645
Monterey, CA$45,501
Seattle, WA$45,407
Santa Rosa, CA$45,398
Los Angeles, CA$45,386
Juneau, AK$45,279
Washington, DC$45,234
Orange, CA$45,088
Santa Ana, CA$44,979
Long Beach, CA$44,938
Anaheim, CA$44,930
Anchorage, AK$44,909
Santa Maria, CA$44,786
Everett, WA$44,778
Danbury, CT$44,633
Bremerton, WA$44,577
Tacoma, WA$44,429
New Suffolk, NY$44,428
Sacramento, CA$44,417
Santa Barbara, CA$44,371
Trenton, NJ$44,326
San Diego, CA$44,326
Brockton, MA$44,281
Fairbanks, AK$44,180
Lompoc, CA$44,076
Lowell, MA$44,042
Ventura, CA$44,035
Nashua, NH$44,026
Stockton, CA$44,022
Modesto, CA$43,722
Poughkeepsie, NY$43,632
Olympia, WA$43,554
Kennewick, WA$43,554
New Haven, CT$43,538
Lawrence, MA$43,390
Hartford, CT$43,349
Riverside, CA$43,340
New Bedford, MA$43,299
Richland, WA$43,299
Bakersfield, CA$43,242
San Bernardino, CA$43,225
New Britain, CT$43,221
Atlantic City, NJ$43,221
New London, CT$43,205
Norwich, CT$43,192
Portsmouth, NH$43,184
Boulder, CO$43,097
Portland, OR$43,040
Worcester, MA$43,036
Minneapolis, MN$42,909
Philadelphia, PA$42,852
Honolulu, HI$42,716
Saint Paul, MN$42,696
Vineland, NJ$42,687
Providence, RI$42,568
Chicago, IL$42,449
Bellingham, WA$42,400
Springfield, MA$42,367
Baltimore, MD$42,354
Chico, CA$42,252
Pittsfield, MA$42,141
Manchester, NH$42,063
Spokane, WA$41,882
Denver, CO$41,878
Albany, NY$41,685
Troy, NY$41,669
Nassau, NY$41,625
Schenectady, NY$41,582
Wilmington, DE$41,549
Burlington, VT$41,492
Salem, OR$41,475
Portland, ME$41,348
Yakima, WA$41,307
Rochester, MN$41,180
Reno, NV$41,159
Fresno, CA$41,159
Milwaukee, WI$41,122
Detroit, MI$41,081
Ann Arbor, MI$41,074
Allentown, PA$41,069
Colorado Springs, CO$40,999
Syracuse, NY$40,978
Carson City, NV$40,978
Houston, TX$40,921
Eugene, OR$40,900
Gary, IN$40,851
Springfield, OR$40,818
Bismarck, ND$40,810
Galveston, TX$40,781
Medford, OR$40,720
Fort Collins, CO$40,703
Concord, NH$40,683
Austin, TX$40,670
Mesa, AZ$40,584
Reading, PA$40,580
Phoenix, AZ$40,576
Dallas, TX$40,564
Saint Cloud, MN$40,524
Madison, WI$40,469
Utica, NY$40,358
Rochester, NY$40,292
Des Moines, IA$40,288
Raleigh, NC$40,284
Atlanta, GA$40,223
Battle Creek, MI$40,210
Salt Lake City, UT$40,198
Lancaster, PA$40,136
Harrisburg, PA$40,079
Kansas City, MO$40,038
Champaign, IL$40,030
Kansas City, KS$40,030
Fort Worth, TX$40,025
Columbus, OH$40,018
Boca Raton, FL$40,009
Pittsburgh, PA$39,993
Richmond, VA$39,976
Indianapolis, IN$39,968
Cleveland, OH$39,964
Las Vegas, NV$39,915
Cincinnati, OH$39,915
Petersburg, VA$39,853
Huntsville, AL$39,791
Lansing, MI$39,764
Lebanon, PA$39,758
Pueblo, CO$39,754
Appleton, WI$39,742
Buffalo, NY$39,726
Dayton, OH$39,713
Racine, WI$39,705
Charlotte, NC$39,701
Saint Louis, MO$39,689
York, PA$39,664
Elkhart, IN$39,664
Gastonia, NC$39,656
Billings, MT$39,646
Beaumont, TX$39,635
Lorain, OH$39,627
Benton Harbor, MI$39,619
Toledo, OH$39,611
Binghamton, NY$39,590
Rock Hill, SC$39,586
Rockford, IL$39,565
Springfield, IL$39,549
Elyria, OH$39,545
Fargo, ND$39,545
Flagstaff, AZ$39,516
Fort Lauderdale, FL$39,491
Duluth, MN$39,467
Miami, FL$39,467
Cheyenne, WY$39,438
Grand Forks, ND$39,438
Bangor, ME$39,348
Cedar Rapids, IA$39,302
Durham, NC$39,285
Louisville, KY$39,282
Grand Rapids, MI$39,274
Hialeah, FL$39,270
Casper, WY$39,212
Scranton, PA$39,163
New Orleans, LA$39,150
Virginia Beach, VA$39,146
Akron, OH$39,126
Peoria, IL$39,072
Sarasota, FL$39,064
Nashville, TN$39,035
Omaha, NE$39,035
Green Bay, WI$39,035
Baton Rouge, LA$39,015
Charleston, SC$39,007
Jamestown, NY$38,986
Davenport, IA$38,986
Tucson, AZ$38,966
Saint Petersburg, FL$38,941
Tampa, FL$38,933
Evansville, IN$38,908
Port Arthur, TX$38,908
Bradenton, FL$38,892
Santa Fe, NM$38,818
Orlando, FL$38,744
Clearwater, FL$38,732
Canton, OH$38,645
La Crosse, WI$38,645
Albuquerque, NM$38,621
Newport News, VA$38,616
High Point, NC$38,604
Ogden, UT$38,588
Corpus Christi, TX$38,555
Norfolk, VA$38,530
Laramie, WY$38,530
Rock Island, IL$38,506
Saginaw, MI$38,497
Jacksonville, FL$38,493
Salisbury, NC$38,485
Boise, ID$38,477
Moline, IL$38,456
Fort Myers, FL$38,444
Memphis, TN$38,436
Tulsa, OK$38,415
Waterloo, IA$38,391
Spartanburg, SC$38,349
Lincoln, NE$38,329
Fort Wayne, IN$38,321
Provo, UT$38,317
Cedar Falls, IA$38,267
San Antonio, TX$38,251
Greensboro, NC$38,234
South Bend, IN$38,230
Savannah, GA$38,185
Muskegon, MI$38,169
Birmingham, AL$38,165
Winston Salem, NC$38,145
Lake Charles, LA$38,046
Anderson, IN$38,037
Lexington, KY$38,025
Augusta, GA$38,013
Greenville, SC$38,013
Lima, OH$37,980
Wichita, KS$37,976
Tuscaloosa, AL$37,976
Columbia, SC$37,939
Springfield, OH$37,931
Asheville, NC$37,865
Bloomington, IN$37,836
Knoxville, TN$37,688
Shreveport, LA$37,684
Wilmington, NC$37,631
Roanoke, VA$37,631
Topeka, KS$37,557
Frankfort, KY$37,552
Oklahoma City, OK$37,524
Chillicothe, OH$37,507
Longview, TX$37,503
Melbourne, FL$37,499
Sioux Falls, SD$37,433
Mobile, AL$37,429
Terre Haute, IN$37,413
Altoona, PA$37,388
Amarillo, TX$37,360
Killeen, TX$37,347
Fayetteville, AR$37,314
Chattanooga, TN$37,302
Sioux City, IA$37,265
Idaho Falls, ID$37,257
Lynchburg, VA$37,224
Gainesville, FL$37,171
Portsmouth, OH$37,150
Little Rock, AR$37,142
Lafayette, LA$37,125
Youngstown, OH$37,125
Daytona Beach, FL$37,101
Clarksville, TN$37,097
Pensacola, FL$37,093
Temple, TX$37,090
Hopkinsville, KY$36,969
Erie, PA$36,961
Florence, SC$36,945
Charleston, WV$36,879
Great Falls, MT$36,858
Macon, GA$36,801
Tallahassee, FL$36,797
Fayetteville, NC$36,789
Waco, TX$36,780
Helena, MT$36,752
Pine Bluff, AR$36,736
Vincennes, IN$36,686
Lubbock, TX$36,669
Alamogordo, NM$36,645
Twin Falls, ID$36,608
Rapid City, SD$36,595
Jackson, MS$36,522
Huntington, WV$36,519
Greenville, MS$36,517
Parkersburg, WV$36,476
Montgomery, AL$36,468
Wichita Falls, TX$36,427
Springfield, MO$36,427
Biloxi, MS$36,407
Monroe, LA$36,365
Johnstown, PA$36,337
Sumter, SC$36,320
Columbus, GA$36,316
Pascagoula, MS$36,238
Abilene, TX$36,238
Kingsport, TN$36,131
Albany, GA$36,131
Gulfport, MS$36,119
Alexandria, LA$35,983
Fort Smith, AR$35,881
El Paso, TX$35,770
Las Cruces, NM$35,585
Harlingen, TX$35,481
Pocatello, ID$35,474
Florence, AL$35,421
Brownsville, TX$35,412
Mcallen, TX$35,326
Dothan, AL$35,269
Columbus, MS$35,025
Altus, OK$34,833
Lawton, OK$34,755
Pierre, SD$34,607
What Skills Can Increase an Insurance Rater's Salary?
Demanded Skills for the Role:
Risk Management (Mentioned in 6.67% Job Postings): Risk management is the identification, evaluation, and prioritization of risks (defined in ISO 31000 as the effect of uncertainty on objectives) followed by coordinated and economical application of resources to minimize, monitor, and control the probability or impact of unfortunate events or to maximize the realization of opportunities. Risks can come from various sources including uncertainty in financial markets, threats from project failures (at any phase in design, development, production, or sustainment life-cycles), legal liabilities, credit risk, accidents, natural causes and disasters, deliberate attack from an adversary, or events of uncertain or unpredictable root-cause. There are two types of events i.e. negative events can be classified as risks while positive events are classified as opportunities. Several risk management standards have been developed including the Project Management Institute, the National Institute of Standards and Technology, actuarial societies, and ISO standards. Methods, definitions and goals vary widely according to whether the risk management method is in the context of project management, security, engineering, industrial processes, financial portfolios, actuarial assessments, or public health and safety.
Insurance Policies (Mentioned in 4% Job Postings): insurance policies are a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).
Work Ethic (Mentioned in 2.67% Job Postings): A belief that work and diligence have a moral benefit and an inherent ability, virtue or value to strengthen character and individual abilities. A set of values centered on importance of work and manifested by determination or desire to work hard.
Mastering certain specialized skills can lead to a significant increase in pay.
Here are examples of skills and the potential impact they can have on an Insurance Rater's salary.
Insurance Policies: Can increase your salary by up to 71%.
Billing: Can increase your salary by up to 42%.
Commitment: Can increase your salary by up to 27%.
Insurance Rater Salary by Industry: Top Paying Sectors
For Insurance Rater roles, the industry you choose can impact your earning potential
by as much as 35% (the gap between the highest and lowest paying industries).
Data shows that the highest-paying industry, Insurance,
offers compensation 15% above the average. Conversely,
Insurance Rater positions in Business Services typically offer lower base pay,
as this sector often view Insurance Rater as a support function rather than a direct revenue driver.
The top paying industries for an Insurance Rater
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Insurance
$47,239
$23.0
15%
Financial Services
$43,131
$21.0
5%
How Education impacts an Insurance Rater's Salary?
Your level of education can impact your salary potential.
While many Insurance Raters enter the field with a Associate's Degree degree,
higher education can lead to more specialized and higher-paying roles.
According to our 100% employer-reported salary data,
the median salary for an Insurance Rater with a Associate's Degree is between
$47,019
and $52,289).
Insurance Rater Salary: Hourly Rate, Weekly Pay, and Monthly Pay
Understanding how an Insurance Rater's annual salary breaks down can help with budgeting.
Below, you can see the average hourly rate, weekly pay, and monthly pay for this role.
Use the buttons to switch between different pay periods.
Hourly
Monthly
Weekly
Yearly
Table View
Last Updated on October 01, 2026
$38,411
Average$41,077/year
$48,847
$3,201
Average$3,423/month
$4,071
$739
Average$790/week
$939
$18
Average$20/hour
$23
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
75th Percentile
$48,847
$4,071
$939
$23
Average
$41,077
$3,423
$790
$20
25th Percentile
$38,411
$3,201
$739
$18
Salaries of Jobs related to Insurance Rater
Insurance Agent/ Insurance Professional$150,872
Energy Rater$79,444
Commercial Lines Rater$79,176
Psychometric Rater$70,211
Insurance Analyst$66,737
Insurance Agent$58,816
Insurance Inspector$56,040
Ads Quality Rater$46,305
Hers Rater$44,613
Rater$43,298
Insurance Administrator$43,006
Salary Trends for Insurance Rater
Salaries for an Insurance Rater can change over time,
reflecting shifts in market demand and the overall economy.
The median salary decreased from $46,160 in 2023
to around $46,016 in 2025,
reflecting changes in demand, location, experience, and the wider economy.
For a detailed analysis of Insurance Rater salary trends,
.
Average Annual Salary of Insurance Rater Over Time
$???
$46,160
$46,222
$46,016
$???
$???
2022
2023
2024
2025
2026
2027
Year
Average Annual Salary
2022
View More
2023
$46,160
2024
$46,222
2025
$46,016
2026
View More
2027
View More
Most common benefits for Insurance Rater
Social Security
401 (k)
Disability
Healthcare
Pension
Time Off (days)
Common company salaries for Insurance Rater
Here are companies hiring for Insurance Rater and their salaries, click below for more details.
K$114,295/per year
Kpmg Us LLPBusiness Servicesthe United States
W$114,096/per year
Warner Bros DiscoveryBusiness Servicesthe United States
D$111,927/per year
Dentsu International LtdBusiness Servicesthe United States
G$111,873/per year
GroupM Worldwide IncBusiness Servicesthe United States
C$111,651/per year
CoWorx StaffingBusiness Servicesthe United States
C$110,194/per year
Contemporary Services CorpBusiness Servicesthe United States
S$107,128/per year
Showcase CinemasBusiness Servicesthe United States
A$106,429/per year
Amentum Services IncBusiness Servicesthe United States
A$106,199/per year
Allied Universal Security Services LLCBusiness Servicesthe United States
S$106,104/per year
Sodexo USABusiness Servicesthe United States
J$105,192/per year
JLL TechnologiesBusiness Servicesthe United States
I$104,478/per year
Intact Insurance Group USA LLCBusiness Servicesthe United States
N$101,619/per year
NielsenIQBusiness Servicesthe United States
T$101,470/per year
The Leading Edge AllianceBusiness Servicesthe United States
H$101,308/per year
Honeywell UOPBusiness Servicesthe United States
R$97,720/per year
Reeve & AssociatesBusiness Servicesthe United States
M$97,584/per year
ManpowerGroup Global IncBusiness Servicesthe United States
F$95,980/per year
Financial Sys NcoBusiness Servicesthe United States
A$95,314/per year
Arrow Global LtdBusiness Servicesthe United States
C$94,777/per year
CarMax Enterprise Services LLCBusiness Servicesthe United States
D$94,479/per year
DZConneXBusiness Servicesthe United States
A$93,802/per year
Adecco Staffing, USABusiness Servicesthe United States
R$92,937/per year
Resource MFGBusiness Servicesthe United States
Z$92,774/per year
Zachry Brands IncBusiness Servicesthe United States
G$88,138/per year
Greystar Worldwide LLCBusiness Servicesthe United States
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FAQ about Insurance Rater
1. What industry pays the highest salary for Insurance Rater?
The Insurance industry offers the highest average compensation for Insurance Rater roles,
with salaries approximately 15% above the market median.
Where Does Our Salary Data Come From?
Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.
