Insurance Underwriter Salary in Rhode Island
The median insurance underwriter salary in Rhode Island is $83,310 per year, which is 7.0% above the national median of $77,860.
Insurance Underwriter Salary Overview in Rhode Island (2026)
Rhode Island ranks #13 out of 50 states for insurance underwriter compensation. Rhode Island falls in the middle of the pack for insurance underwriter pay, offering salaries near the national average. At $83,310 per year, insurance underwriters in Rhode Island earn $5,450 more than the national median of $77,860.
Rhode Island's cost of living is near the national average at 105%, meaning insurance underwriter salaries here translate closely to their face value in purchasing power.
The salary spread in Rhode Island is significant: insurance underwriters at the 10th percentile earn $52,002, while those at the 90th percentile bring home $135,248 — a $83,246 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in Rhode Island for this role is Providence, where the median reaches $85,646.
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 Rhode Island by Experience
In Rhode Island, an entry-level insurance underwriter earns around $53,500, while experienced professionals earn up to $123,050 per year. The cost of living index in Rhode Island is 105% of the national average.
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See Investment Options →Salary Percentiles in Rhode Island
| Percentile | RI Salary |
|---|---|
| 10th Percentile | $52,002 |
| 25th Percentile | $65,484 |
| Median (50th) | $83,310 |
| 75th Percentile | $107,000 |
| 90th Percentile | $135,248 |
Insurance Underwriter Salary by City in Rhode Island
The largest employment areas for insurance underwriters in Rhode Island include Providence, Warwick, Cranston, and Pawtucket. Salaries vary by city based on local cost of living and demand.
How to Become a Insurance Underwriter in Rhode Island
Education
Most insurance underwriter positions require a bachelor's degree. Rhode Island has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in Rhode Island
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Rhode Island's demand may vary based on local industry trends.
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Data shows Insurance Underwriters who negotiate earn 7–15% more. A single negotiation could add $39,740 over your career trajectory.
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