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As of August 01, 2026, the average salary for a Personal Lines Underwriter in New Jersey is $76,993 per year, which breaks down to an hourly rate of $37.
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 | $81,646 | $6,804 | $1,570 | $39 |
| Average | $76,993 | $6,416 | $1,481 | $37 |
| 25th Percentile | $69,885 | $5,824 | $1,344 | $34 |
The Mutual Group - Hightstown, NJ
King Risk Partners - Monmouth Junction, NJ
APR Careers, Inc. - Hoboken, NJ
Insurox Group Inc - Hasbrouck Heights, NJ
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 | $65,765 |
| Personal ... Level Personal Lines Underwriter | $77,486 |
| Underwrit... Level Personal Lines Underwriter | $100,732 |
| Underwrit... Level Personal Lines Underwriter | $117,670 |
| Underwrit... Level Personal Lines Underwriter | $145,000 |
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 | $100,090 | $48.0 | 30% |
| Financial Services | $92,391 | $44.0 | 20% |
| Healthcare | $84,692 | $41.0 | 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 | $81,646 | $6,804 | $1,570 | $39 |
| Average | $76,993 | $6,416 | $1,481 | $37 |
| 25th Percentile | $69,885 | $5,824 | $1,344 | $34 |
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 Wilhelm Agency
Lakewood, NJ
The Wilhelm Agency | Lakewood, NJ
Job Description. Job Description. The Wilhelm Agency : Who We are. Everyone sells policies. We deliver confidence. We are The Wilhelm Agency. We are a team... more
3 Days Ago
APR Careers, Inc.
New Milford, NJ
APR Careers, Inc. | New Milford, NJ
Job Description. Job Description. Personal Lines Account Manager | Producer | CSR. Location. New Milford, NJ. Compensation. $55,000–$65,000 Base + Commissi... more
4 Days Ago
C. Winchell Agency, Inc.
Jersey City, NJ
C. Winchell Agency, Inc. | Jersey City, NJ
Description : The ideal candidate will be responsible for the day-to-day management of a personal lines book of business.The Account Manager should be able... more
5 Days Ago
C. Winchell Agency, Inc.
Jersey City, NJ
C. Winchell Agency, Inc. | Jersey City, NJ
Description : Service all incoming clients including phone and walk-ins for changes to existing coverage.Cross-sell, upsell, quote and bind new policies in... more
5 Days Ago
GPAC
Mountainside, NJ
GPAC | Mountainside, NJ
Job DescriptionPersonal Lines Account Manager / Personal Lines Account Executive (P&C Insurance)Union, New Jersey Full-Time On-Site with Flexible ScheduleA... more
5 Days Ago
GPAC
Paterson, NJ
GPAC | Paterson, NJ
Job DescriptionPersonal Lines Account ExecutiveA leading independent insurance agency that has built a reputation as a trusted risk management partner, kno... more
5 Days Ago
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