Insurance Underwriter Salary in West Fargo, ND: $72,410 (2026)

Insurance Underwriter Pay in West Fargo: What to Expect (2026)

West Fargo offers a median insurance underwriter salary of $72,410, which is $2,336 above the North Dakota state average of $70,074. Compared to the national median of $77,860, West Fargo pays below the national benchmark for this role.

West Fargo's cost of living is 93% 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 West Fargo spans from $45,198 at the 10th percentile to $117,552 at the 90th percentile — a $72,354 spread. Entry-level professionals start around $46,500, while senior insurance underwriters with 8+ years of experience can earn up to $106,950. West Fargo is a smaller market (pop. 38,626), which may mean fewer openings but also less competition for available positions.

Insurance Underwriter Salary in West Fargo by Experience

In West Fargo, an entry-level insurance underwriter earns around $46,500, while experienced professionals earn up to $106,950 per year. The local cost of living index is 93% of the national average.

Entry Level (0-2 yrs)

$46,500

$-3,500 vs national

Mid Level (3-7 yrs)

$72,540

$-5,460 vs national

Senior Level (8+ yrs)

$106,950

$-8,050 vs national

Percentile	West Fargo	ND State	National
10th Percentile	$45,198	$43,740	$48,600
25th Percentile	$56,916	$55,080	$61,200
Median (50th)	$72,410	$70,074	$77,860
75th Percentile	$93,000	$90,000	$100,000
90th Percentile	$117,552	$113,760	$126,400

Percentile

West Fargo

10th Percentile

$45,198

25th Percentile

$56,916

Median (50th)

$72,410

75th Percentile

$93,000

90th Percentile

$117,552

How to Become a Insurance Underwriter in West Fargo

Education

Most insurance underwriter positions require a bachelor's degree. West Fargo and the surrounding North Dakota 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 West Fargo may vary based on local industry and population growth.

Frequently Asked Questions: Insurance Underwriter Salary in West Fargo

How much does a Insurance Underwriter make in West Fargo, ND? ▼

The median insurance underwriter salary in West Fargo, North Dakota is $72,410 per year, which is 7% below the national median of $77,860. Salaries range from $45,198 (10th percentile) to $117,552 (90th percentile).

How much does a Insurance Underwriter make per hour in West Fargo? ▼

Based on the median annual salary of $72,410, a insurance underwriter in West Fargo earns approximately $35 per hour assuming a standard 2,080-hour work year.

How does West Fargo compare to the North Dakota state average for insurance underwriter pay? ▼

West Fargo's median insurance underwriter salary of $72,410 is 3.3% above the North Dakota state average of $70,074. The local cost of living index is 93% of the national average.

What is the cost of living in West Fargo, ND? ▼

West Fargo has a cost of living index of 93% compared to the national average. This means a insurance underwriter salary of $72,410 in West Fargo has more purchasing power than the same salary in an average-cost city.

What qualifications do I need to become a insurance underwriter in West Fargo? ▼

Most insurance underwriter positions in West Fargo 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.

Insurance Underwriter Salary in West Fargo, North Dakota