Business & Finance Birmingham, AL Pop. 197,575

Insurance Underwriter Salary in Birmingham, Alabama

The median insurance underwriter salary in Birmingham, AL is $70,074 per year, which is 10% below the national median and 3.4% above the Alabama state average.

City Median
$70,074
vs State Avg
+$2,336
vs National
$-7,786
Cost of Living
90%

Insurance Underwriter Pay in Birmingham: What to Expect (2026)

Birmingham offers a median insurance underwriter salary of $70,074, which is $2,336 above the Alabama state average of $67,738. Compared to the national median of $77,860, Birmingham pays below the national benchmark for this role.

Birmingham's cost of living is 90% of the national average, meaning salary figures here closely reflect actual purchasing power. This makes direct comparisons to other cities straightforward.

The salary range for insurance underwriters in Birmingham spans from $43,740 at the 10th percentile to $113,760 at the 90th percentile — a $70,020 spread. Entry-level professionals start around $45,000, while senior insurance underwriters with 8+ years of experience can earn up to $103,500. With a population of 197,575, Birmingham is a mid-sized metro with a growing job market.

Insurance Underwriter Salary in Birmingham by Experience

In Birmingham, an entry-level insurance underwriter earns around $45,000, while experienced professionals earn up to $103,500 per year. The local cost of living index is 90% of the national average.

Entry Level (0-2 yrs)
$45,000
$-5,000 vs national
Mid Level (3-7 yrs)
$70,200
$-7,800 vs national
Senior Level (8+ yrs)
$103,500
$-11,500 vs national

Salary Percentiles in Birmingham, AL

Percentile Birmingham
10th Percentile $43,740
25th Percentile $55,080
Median (50th) $70,074
75th Percentile $90,000
90th Percentile $113,760

Insurance Underwriter Salary in Other Alabama Cities

Huntsville, AL
$71,631
Pop. 216,963
Tuscaloosa, AL
$68,517
Pop. 101,129
Montgomery, AL
$66,960
Pop. 200,603
Mobile, AL
$66,181
Pop. 187,041

How to Become a Insurance Underwriter in Birmingham

Education

Most insurance underwriter positions require a bachelor's degree. Birmingham and the surrounding Alabama area have institutions offering relevant programs.

Key Skills

Risk AssessmentAnalytical SkillsInsurance RegulationsUnderwriting SoftwareDecision-MakingAttention to Detail

Job Outlook

Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Demand in Birmingham may vary based on local industry and population growth.

Find Insurance Underwriter Jobs in Birmingham

Browse open insurance underwriter positions in Birmingham, AL:

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Frequently Asked Questions: Insurance Underwriter Salary in Birmingham

How much does a Insurance Underwriter make in Birmingham, AL? ▼
The median insurance underwriter salary in Birmingham, Alabama is $70,074 per year, which is 10% below the national median of $77,860. Salaries range from $43,740 (10th percentile) to $113,760 (90th percentile).
How much does a Insurance Underwriter make per hour in Birmingham? ▼
Based on the median annual salary of $70,074, a insurance underwriter in Birmingham earns approximately $34 per hour assuming a standard 2,080-hour work year.
How does Birmingham compare to the Alabama state average for insurance underwriter pay? ▼
Birmingham's median insurance underwriter salary of $70,074 is 3.4% above the Alabama state average of $67,738. The local cost of living index is 90% of the national average.
What is the cost of living in Birmingham, AL? ▼
Birmingham has a cost of living index of 90% compared to the national average. This means a insurance underwriter salary of $70,074 in Birmingham has more purchasing power than the same salary in an average-cost city.
What qualifications do I need to become a insurance underwriter in Birmingham? ▼
Most insurance underwriter positions in Birmingham require a bachelor's degree. Key skills include Risk Assessment, Analytical Skills, Insurance Regulations, Underwriting Software. The job market is projected to grow -2% nationally over the next decade.