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As of August 01, 2026, the average salary for a Personal Lines Underwriter in Maryland is $73,242 per year, which breaks down to an hourly rate of $35.
However, a Personal Lines Underwriter's salary can vary significantly. Here’s a look at the typical salary range:
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Personal Lines Underwriter Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $77,669 | $6,472 | $1,494 | $37 |
| Average | $73,242 | $6,104 | $1,409 | $35 |
| 25th Percentile | $66,481 | $5,540 | $1,278 | $32 |
CMZ Companies, Inc. - Silver Spring, MD
Blue Ridge Risk Partners LLC - Hagerstown, MD
Huff Insurance - Pasadena, MD
Gary Pena Insurance & Financial Inc - Rockville, MD
A Personal Lines Underwriter'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 and company size can directly affect your earning potential.
Experience is a primary driver of a Personal Lines Underwriter'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:
| Levels | Salary |
|---|---|
| Underwrit... Level Personal Lines Underwriter | $62,561 |
| Personal ... Level Personal Lines Underwriter | $73,712 |
| Underwrit... Level Personal Lines Underwriter | $95,825 |
| Underwrit... Level Personal Lines Underwriter | $111,938 |
| Underwrit... Level Personal Lines Underwriter | $137,936 |
What Am I Worth?
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 Personal Lines Underwriters. For example, consider the average annual salaries in these key locations:
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:
For Personal Lines Underwriter roles, the industry you choose can affect earning potential by as much as 70% (the gap between the highest and lowest paying industries). Data shows that the Insurance and Financial Services sectors offer the strongest compensation, at 30% above the average. In contrast, Personal Lines Underwriter positions in Retail & Wholesale or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Personal Lines Underwriter as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| Insurance | $95,215 | $46.0 | 30% |
| Financial Services | $87,891 | $42.0 | 20% |
| Healthcare | $80,566 | $39.0 | 10% |
Understanding how a Personal Lines Underwriter'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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $77,669 | $6,472 | $1,494 | $37 |
| Average | $73,242 | $6,104 | $1,409 | $35 |
| 25th Percentile | $66,481 | $5,540 | $1,278 | $32 |
Ready to take the next step in your career? Browse thousands of current Personal Lines Underwriter job openings on our job board. Use the search bar below to find your perfect match.
The Hilb Group
Cockeysville, MD
The Hilb Group | Cockeysville, MD
Personal Lines Account Manager. Grow With Us. At Hilb Group, we recognize that our associates are our greatest asset. We promote a service-driven culture o... more
5 Days Ago
Marsh & McLennan
Hunt Valley, MD
Marsh & McLennan | Hunt Valley, MD
Account Manager, Personal Lines InsuranceAward-winning, inclusive, Top Workplace culture doesn't happen overnight. It's a result of hard work by extraordin... more
5 Days Ago
Avery W Hall Insurance Agency
Salisbury, MD
Avery W Hall Insurance Agency | Salisbury, MD
Job Description. Job Description. Description. Title. Senior Personal Lines Account Manager. Location. Any Avery Hall Office Location. Type. Full-Time. Job... more
5 Days Ago
CMZ Companies, Inc.
Silver Spring, MD
CMZ Companies, Inc. | Silver Spring, MD
Inside Sales Representative. Base and commissions for inside sales of Personal Lines insurance. Handle auto, homeowners, motorcycle, apartment and condo, u... more
2 Days Ago
Joseph W McCartin Insurance Inc
Beltsville, MD
Joseph W McCartin Insurance Inc | Beltsville, MD
Job Description. Job Description. Busy Beltsville, MD independent insurance agency is seeking a Personal Lines Customer Service Representative. Candidates ... more
1 Day Ago
Klinger Insurance Group
Germantown, MD
Klinger Insurance Group | Germantown, MD
Job Description. Job Description. Are you looking for a place where your dedication to customer service truly makes a difference. Klinger Insurance Group, ... more
4 Days Ago
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