Insurance Underwriter Salary in Sacramento, California
The median insurance underwriter salary in Sacramento, CA is $91,875 per year, which is 18.0% above the national median and 14.5% below the California state average.
Insurance Underwriter Pay in Sacramento: What to Expect (2026)
Sacramento offers a median insurance underwriter salary of $91,875, which is $15,572 below the California state average of $107,447. Compared to the national median of $77,860, Sacramento pays above average for this role.
However, Sacramento's cost of living index is 118%, significantly above the national average. After adjusting for local costs, the $91,875 salary has an effective purchasing power of approximately $77,860. Housing, transportation, and food costs in Sacramento should be factored into any relocation or job-change decision.
The salary range for insurance underwriters in Sacramento spans from $57,348 at the 10th percentile to $149,152 at the 90th percentile — a $91,804 spread. Entry-level professionals start around $59,000, while senior insurance underwriters with 8+ years of experience can earn up to $135,700. As a major metro area with a population of 524,943, Sacramento typically offers more job opportunities and employer competition, which can drive salaries higher.
Insurance Underwriter Salary in Sacramento by Experience
In Sacramento, an entry-level insurance underwriter earns around $59,000, while experienced professionals earn up to $135,700 per year. The local cost of living index is 118% of the national average.
Salary Percentiles in Sacramento, CA
| Percentile | Sacramento |
|---|---|
| 10th Percentile | $57,348 |
| 25th Percentile | $72,216 |
| Median (50th) | $91,875 |
| 75th Percentile | $118,000 |
| 90th Percentile | $149,152 |
Insurance Underwriter Salary in Other California Cities
How to Become a Insurance Underwriter in Sacramento
Education
Most insurance underwriter positions require a bachelor's degree. Sacramento and the surrounding California area have institutions offering relevant programs.
Key Skills
Job Outlook
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Demand in Sacramento may vary based on local industry and population growth.
Find Insurance Underwriter Jobs in Sacramento
Browse open insurance underwriter positions in Sacramento, CA: