Insurance Underwriter Salary in Cincinnati, OH: $70,074 (2026)

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

Cincinnati offers a median insurance underwriter salary of $70,074, which is $0 above the Ohio state average of $70,074. Compared to the national median of $77,860, Cincinnati pays below the national benchmark for this role.

Cincinnati'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 Cincinnati 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 309,317, Cincinnati is a mid-sized metro with a growing job market.

Insurance Underwriter Salary in Cincinnati by Experience

In Cincinnati, 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

Percentile	Cincinnati	OH State	National
10th Percentile	$43,740	$43,740	$48,600
25th Percentile	$55,080	$55,080	$61,200
Median (50th)	$70,074	$70,074	$77,860
75th Percentile	$90,000	$90,000	$100,000
90th Percentile	$113,760	$113,760	$126,400

Percentile

Cincinnati

10th Percentile

$43,740

25th Percentile

$55,080

Median (50th)

$70,074

75th Percentile

$90,000

90th Percentile

$113,760

How to Become a Insurance Underwriter in Cincinnati

Education

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

Frequently Asked Questions: Insurance Underwriter Salary in Cincinnati

How much does a Insurance Underwriter make in Cincinnati, OH? ▼

The median insurance underwriter salary in Cincinnati, Ohio 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 Cincinnati? ▼

Based on the median annual salary of $70,074, a insurance underwriter in Cincinnati earns approximately $34 per hour assuming a standard 2,080-hour work year.

How does Cincinnati compare to the Ohio state average for insurance underwriter pay? ▼

Cincinnati's median insurance underwriter salary of $70,074 is 0.0% above the Ohio state average of $70,074. The local cost of living index is 90% of the national average.

What is the cost of living in Cincinnati, OH? ▼

Cincinnati has a cost of living index of 90% compared to the national average. This means a insurance underwriter salary of $70,074 in Cincinnati has more purchasing power than the same salary in an average-cost city.

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

Most insurance underwriter positions in Cincinnati 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 Cincinnati, Ohio