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As of August 01, 2026, the average salary for a Personal Lines Underwriter in Texas is $69,286 per year, which breaks down to an hourly rate of $33.
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 | $73,473 | $6,123 | $1,413 | $35 |
| Average | $69,286 | $5,774 | $1,332 | $33 |
| 25th Percentile | $62,890 | $5,241 | $1,209 | $30 |
Work At Home Vintage Experts - Frisco, TX
AmWINS - Dallas, TX
Carroll Insurance Agency Ltd - Houston, TX
Bing Recruitment - McKinney, TX
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 | $59,182 |
| Personal ... Level Personal Lines Underwriter | $69,730 |
| Underwrit... Level Personal Lines Underwriter | $90,649 |
| Underwrit... Level Personal Lines Underwriter | $105,891 |
| Underwrit... Level Personal Lines Underwriter | $130,485 |
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 | $90,071 | $43.0 | 30% |
| Financial Services | $83,143 | $40.0 | 20% |
| Healthcare | $76,214 | $37.0 | 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 | $73,473 | $6,123 | $1,413 | $35 |
| Average | $69,286 | $5,774 | $1,332 | $33 |
| 25th Percentile | $62,890 | $5,241 | $1,209 | $30 |
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.
Hotchkiss Insurance
75007, TX
Hotchkiss Insurance | 75007, TX
Job Description. Job Description. Company Overview. As one of the largest independent insurance agencies in Texas, we are proud to be recognized for our ex... more
2 Days Ago
Bing Recruitment
Lewisville, TX
Bing Recruitment | Lewisville, TX
Job Description. Job Description. Position. Insurance Producer (Commercial & Personal Lines). Location. Texas (Remote within TX). Employment Type. Full-Tim... more
3 Days Ago
CARLOS RAMIREZ INSURANCE AGENCY LLC - ALLSTATE
San Antonio, TX
CARLOS RAMIREZ INSURANCE AGENCY LLC - ALLSTATE | San Antonio, TX
Job Description. Job Description. Benefits. Bonus based on performance. Competitive salary. Training & development. Benefits/Perks. Competitive Pay and Com... more
3 Days Ago
Benchmark Insurance Group & Rise Group
Houston, TX
Benchmark Insurance Group & Rise Group | Houston, TX
Job Description. Job Description. About Us. Benchmark Insurance Group of Texas is seeking an experienced Personal Lines Account Manager to oversee their ow... more
4 Days Ago
Higginbotham
Cleburne, TX
Higginbotham | Cleburne, TX
Personal Lines Account ManagerHigginbotham, a privately held, independent insurance and financial services firm that ranks within the top 20 nationwide, ha... more
5 Days Ago
Combined Agents of America
San Antonio, TX
Combined Agents of America | San Antonio, TX
Account ManagerThe Account Manager will be primarily responsible for the ongoing management of commercial clients, retention of new and renewal clients, an... more
5 Days Ago
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