Insurance Underwriter Salary in North Dakota
The median insurance underwriter salary in North Dakota is $70,074 per year, which is 10% below the national median of $77,860.
Insurance Underwriter Salary Overview in North Dakota (2026)
North Dakota ranks #37 out of 50 states for insurance underwriter compensation. Insurance Underwriter salaries in North Dakota are below the national median, though the lower cost of living can offset the difference. At $70,074 per year, insurance underwriters in North Dakota earn $7,786 less than the national median of $77,860.
A key advantage of working in North Dakota is its below-average cost of living (90% of the national index). This means the $70,074 salary has the purchasing power of roughly $77,860 in an average-cost area.
The salary spread in North Dakota is significant: insurance underwriters at the 10th percentile earn $43,740, while those at the 90th percentile bring home $113,760 — a $70,020 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in North Dakota for this role is Fargo, where the median reaches $73,188.
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Despite slower growth nationally, experienced insurance underwriters with in-demand specializations continue to command strong salaries.
Insurance Underwriter Salary in North Dakota by Experience
In North Dakota, an entry-level insurance underwriter earns around $45,000, while experienced professionals earn up to $103,500 per year. The cost of living index in North Dakota is 90% of the national average.
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See Investment Options →Salary Percentiles in North Dakota
| Percentile | ND Salary |
|---|---|
| 10th Percentile | $43,740 |
| 25th Percentile | $55,080 |
| Median (50th) | $70,074 |
| 75th Percentile | $90,000 |
| 90th Percentile | $113,760 |
Insurance Underwriter Salary by City in North Dakota
The largest employment areas for insurance underwriters in North Dakota include Fargo, Bismarck, Grand Forks, and Minot. Salaries vary by city based on local cost of living and demand.
How to Become a Insurance Underwriter in North Dakota
Education
Most insurance underwriter positions require a bachelor's degree. North Dakota has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in North Dakota
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). North Dakota's demand may vary based on local industry trends.
Negotiate Your Way to Senior Pay
Data shows Insurance Underwriters who negotiate earn 7–15% more. A single negotiation could add $33,426 over your career trajectory.
Get Negotiation Scripts — $197 →Open to Insurance Underwriter Roles in North Dakota?
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