Insurance Underwriters pay range in Providence
New workers and the lowest-paid 10% earn about $54,460 a year or less, while the top 10% make $148,660 or more. The middle half of insurance underwriters in Providence earn between $64,350 and $115,510.
- $54K10th
- $64K25th
- $85KMedian
- $116K75th
- $149K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $96,980 | $8,082 | $46.62 |
| Median | $85,150 | $7,096 | $40.94 |
| Entry level (25th percentile) | $64,350 | $5,362 | $30.94 |
| Experienced (75th percentile) | $115,510 | $9,626 | $55.53 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Providence vs. Rhode Island and the U.S.
Insurance underwriters in Providence earn 6% more than the Rhode Island average ($91,620) and 4% more than the U.S. average ($93,700). At the median the gap is +5% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Providence | $96,980 | $85,150 | $54,460 | $148,660 | 280 |
| Rhode Island | $91,620 | $84,720 | $50,240 | $138,930 | 250 |
| United States | $93,700 | $81,370 | $55,530 | $145,160 | 105,420 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Insurance Underwriters salary after taxes in Providence
On the average salary of $96,980, a single filer in Providence takes home about $74,036 a year, or $6,170 a month and $2,848 every two weeks. Taxes take 24% of gross pay.
The Providence-Warwick, RI-MA metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in RI | $74,036 | $6,170 |
| Working in MA | $72,526 | $6,044 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Rhode Island's Temporary Disability Insurance payroll contribution is not included.
Is Providence a good place for insurance underwriters? Pay vs. cost of living
Prices in the Providence area are 2% above the U.S. average (BEA price parity 101.8), so the average $96,980 buys what about $95,290 would buy in a typical U.S. metro. This job pays 1.6 times the median wage of all jobs in Providence ($53,680). A typical home costs $524,867, or 5.4 years of this average salary before tax.
Insurance Underwriters salary in nearby metro areas
- Worcester, MA$102,310
- Boston, MA$115,600
- Hartford, CT$105,280
- Springfield, MA$108,170
- New Haven, CT$96,000
- Manchester, NH$112,530
Highest-paying cities for insurance underwriters
Bridgeport, CT pays this job the most of the metro areas we cover ($127,970).
- Bridgeport, CT$127,970
- Boston, MA$115,600
- Denver, CO$115,260
- Seattle, WA$114,200
- Manchester, NH$112,530
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Insurance Underwriters salary in Providence: questions
How much do insurance underwriters make an hour in Providence?
$46.63 an hour on average, and $40.94 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Providence?
The lowest-paid 10% earn about $54,460 a year and the 25th percentile is $64,350, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Providence?
About $74,036 a year ($6,170 a month) for a single filer on the average salary of $96,980. Rhode Island's Temporary Disability Insurance payroll contribution is not included.
Do insurance underwriters earn more in Providence than elsewhere?
The average here is 4% more than the U.S. average for this job ($93,700).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2053; area Providence-Warwick, RI-MA (39300). Relative standard error of the mean wage: 4.1%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Rhode Island's Temporary Disability Insurance payroll contribution is not included.
- Job concentration: location quotient 0.59, this job is less common than in the U.S. overall (location quotient 0.59).
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