Business & Finance Duluth, MN Pop. 90,884

Insurance Underwriter Salary in Duluth, Minnesota

The median insurance underwriter salary in Duluth, MN is $71,631 per year, which is 8% below the national median and 7.1% below the Minnesota state average.

City Median
$71,631
vs State Avg
$-5,450
vs National
$-6,229
Cost of Living
90%

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

Duluth offers a median insurance underwriter salary of $71,631, which is $5,450 below the Minnesota state average of $77,081. Compared to the national median of $77,860, Duluth pays below the national benchmark for this role.

Duluth'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 Duluth spans from $44,712 at the 10th percentile to $116,288 at the 90th percentile — a $71,576 spread. Entry-level professionals start around $46,000, while senior insurance underwriters with 8+ years of experience can earn up to $105,800. Duluth is a smaller market (pop. 90,884), which may mean fewer openings but also less competition for available positions.

Insurance Underwriter Salary in Duluth by Experience

In Duluth, an entry-level insurance underwriter earns around $46,000, while experienced professionals earn up to $105,800 per year. The local cost of living index is 90% of the national average.

Entry Level (0-2 yrs)
$46,000
$-4,000 vs national
Mid Level (3-7 yrs)
$71,760
$-6,240 vs national
Senior Level (8+ yrs)
$105,800
$-9,200 vs national

Salary Percentiles in Duluth, MN

Percentile Duluth
10th Percentile $44,712
25th Percentile $56,304
Median (50th) $71,631
75th Percentile $92,000
90th Percentile $116,288

Insurance Underwriter Salary in Other Minnesota Cities

Minneapolis, MN
$83,310
Pop. 429,954
Bloomington, MN
$80,974
Pop. 89,987
Saint Paul, MN
$79,417
Pop. 311,527
Rochester, MN
$77,860
Pop. 121,395

How to Become a Insurance Underwriter in Duluth

Education

Most insurance underwriter positions require a bachelor's degree. Duluth and the surrounding Minnesota 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 Duluth may vary based on local industry and population growth.

Find Insurance Underwriter Jobs in Duluth

Browse open insurance underwriter positions in Duluth, MN:

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Frequently Asked Questions: Insurance Underwriter Salary in Duluth

How much does a Insurance Underwriter make in Duluth, MN? ▼
The median insurance underwriter salary in Duluth, Minnesota is $71,631 per year, which is 8% below the national median of $77,860. Salaries range from $44,712 (10th percentile) to $116,288 (90th percentile).
How much does a Insurance Underwriter make per hour in Duluth? ▼
Based on the median annual salary of $71,631, a insurance underwriter in Duluth earns approximately $34 per hour assuming a standard 2,080-hour work year.
How does Duluth compare to the Minnesota state average for insurance underwriter pay? ▼
Duluth's median insurance underwriter salary of $71,631 is 7.1% below the Minnesota state average of $77,081. The local cost of living index is 90% of the national average.
What is the cost of living in Duluth, MN? ▼
Duluth has a cost of living index of 90% compared to the national average. This means a insurance underwriter salary of $71,631 in Duluth has more purchasing power than the same salary in an average-cost city.
What qualifications do I need to become a insurance underwriter in Duluth? ▼
Most insurance underwriter positions in Duluth 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.