Insurance Underwriter Salary in Texas
The median insurance underwriter salary in Texas is $71,631 per year, which is 8% below the national median of $77,860.
Insurance Underwriter Salary Overview in Texas (2026)
Texas ranks #31 out of 50 states for insurance underwriter compensation. Insurance Underwriter salaries in Texas are below the national median, though the lower cost of living can offset the difference. At $71,631 per year, insurance underwriters in Texas earn $6,229 less than the national median of $77,860.
A key advantage of working in Texas is its below-average cost of living (92% of the national index). This means the $71,631 salary has the purchasing power of roughly $77,860 in an average-cost area.
The salary spread in Texas is significant: insurance underwriters at the 10th percentile earn $44,712, while those at the 90th percentile bring home $116,288 — a $71,576 gap that reflects differences in experience, specialization, employer type, and metro area. The highest-paying city in Texas for this role is Austin, where the median reaches $81,753.
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 Texas by Experience
In Texas, an entry-level insurance underwriter earns around $46,000, while experienced professionals earn up to $105,800 per year. The cost of living index in Texas is 92% of the national average.
Build Wealth on Your Income
With a $71,631 income, financial advisors recommend investing 15–20% annually. Start building a diversified portfolio with as little as $10.
See Investment Options →Salary Percentiles in Texas
| Percentile | TX Salary |
|---|---|
| 10th Percentile | $44,712 |
| 25th Percentile | $56,304 |
| Median (50th) | $71,631 |
| 75th Percentile | $92,000 |
| 90th Percentile | $116,288 |
Insurance Underwriter Salary by City in Texas
The largest employment areas for insurance underwriters in Texas include Houston, Dallas, Austin, and San Antonio. Salaries vary by city based on local cost of living and demand.
How to Become a Insurance Underwriter in Texas
Education
Most insurance underwriter positions require a bachelor's degree. Texas has several accredited institutions offering relevant programs.
Key Skills
Job Outlook in Texas
Nationally, insurance underwriter employment is projected to grow -2% over the next decade (decline). Texas'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 $34,169 over your career trajectory.
Get Negotiation Scripts — $197 →Open to Insurance Underwriter Roles in Texas?
Get matched with recruiters hiring insurance underwriters in Texas at competitive salaries.
Or browse positions directly: