Insurance Underwriters pay range in Chattanooga
New workers and the lowest-paid 10% earn about $56,650 a year or less, while the top 10% make $126,000 or more. The middle half of insurance underwriters in Chattanooga earn between $78,300 and $114,270.
- $57K10th
- $78K25th
- $102KMedian
- $114K75th
- $126K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $98,350 | $8,196 | $47.28 |
| Median | $102,460 | $8,538 | $49.26 |
| Entry level (25th percentile) | $78,300 | $6,525 | $37.64 |
| Experienced (75th percentile) | $114,270 | $9,522 | $54.94 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Underwriters pay in Chattanooga vs. Tennessee and the U.S.
Insurance underwriters in Chattanooga earn 19% more than the Tennessee average ($82,570) and 5% more than the U.S. average ($93,700). At the median the gap is +26% against the U.S. median of $81,370.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Chattanooga | $98,350 | $102,460 | $56,650 | $126,000 | 110 |
| Tennessee | $82,570 | $78,840 | $50,200 | $123,150 | 1,250 |
| 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 Chattanooga
On the average salary of $98,350, a single filer in Chattanooga takes home about $78,019 a year, or $6,502 a month and $3,001 every two weeks. Taxes take 21% of gross pay.
The Chattanooga, TN-GA metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in TN | $78,019 | $6,502 |
| Working in GA | $73,860 | $6,155 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Chattanooga a good place for insurance underwriters? Pay vs. cost of living
Prices in the Chattanooga area are 9% below the U.S. average (BEA price parity 91.5), so the average $98,350 buys what about $107,529 would buy in a typical U.S. metro. This job pays 2.2 times the median wage of all jobs in Chattanooga ($46,700). A typical home costs $326,370, or 3.3 years of this average salary before tax.
Insurance Underwriters salary in other Tennessee cities
Chattanooga ranks 1st of 4 Tennessee metro areas for this job, the best-paid in the state.
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 Chattanooga: questions
How much do insurance underwriters make an hour in Chattanooga?
$47.28 an hour on average, and $49.26 at the median (BLS, May 2025).
What is the entry-level insurance underwriters salary in Chattanooga?
The lowest-paid 10% earn about $56,650 a year and the 25th percentile is $78,300, a fair guide to starting pay.
What is the insurance underwriters take-home pay in Chattanooga?
About $78,019 a year ($6,502 a month) for a single filer on the average salary of $98,350. Tennessee has no state income tax.
Do insurance underwriters earn more in Chattanooga than elsewhere?
The average here is 5% 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 Chattanooga, TN-GA (16860). Relative standard error of the mean wage: 5.3%.
- 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 no state income tax.
- Job concentration: location quotient 0.60, this job is less common than in the U.S. overall (location quotient 0.60).
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