AI Insurance Engineer.
Portland.
$143,000
median salary, 6% above the national average
$106,000 to $182,000. Last updated April 2026.
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Data points to own the conversation.
A AI Insurance Engineer in Portland earns a median of $143,000 in 2026. That is 6% above the national average. The range runs from $106,000 to $182,000, and where you land depends on your experience, your skills, and how well you negotiate. Compensation reflects the intersection of actuarial science, ML engineering, and insurance domain expertise.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $129,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$93,000
to $114,000
Mid (3-5 yrs)
$122,000
to $150,000
Senior (6-9 yrs)
$157,000
to $186,000
Lead (10+ yrs)
$179,000
to $222,000
Salary trend
+6% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $71,000 to the total package.
Base
$143,000
Equity
$43,000
Bonus
$19,000
Signing
$9,000
Estimated total: $214,000
How Portland compares
Portland, ME
$143,000
Cost of living: 5% above average
National Average
$135,000
Portland is $8,000 above
AI Insurance Engineer salary by city
Salary by role in Portland
What you should know
The AI Insurance Engineer landscape in Portland is not what most salary sites will tell you. Portland, Maine is a small but growing tech and creative economy hub. The city attracts remote workers and small companies seeking quality of life on the New England coast. Healthcare, marine industries, and a craft food and beverage sector round out the local economy. Compensation reflects the intersection of actuarial science, ML engineering, and insurance domain expertise. Engineers who can build AI models for underwriting, claims processing, and fraud detection earn premiums. Understanding of insurance regulations, actuarial standards, and the ability to explain model decisions to regulators adds 10% to 20% to compensation.
Junior AI insurance engineers start at $90,000 to $105,000. Mid-level engineers building production underwriting models reach $125,000 to $150,000. Senior engineers leading AI claims processing systems earn $160,000 to $195,000. Directors of AI at insurance companies can reach $210,000 to $270,000 in total compensation. In Portland, cost of living sits near the national average, so the numbers you see are roughly what you keep.
Base salary is not the full picture. Bonuses of 15% to 25% are common in the insurance industry, often tied to loss ratio improvements or fraud detection rates. Equity at insurtech startups adds $15,000 to $60,000 annually. Benefits include generous retirement plans, insurance product discounts, and actuarial exam support. And on the tax side: maine's top income tax rate is 7.15%. Portland has no city income tax. The state rate is above average but offset by quality of life and access to rural New England. When someone quotes you $143,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Negotiate remote work flexibility. Portland employers know they compete with Boston and New York for talent and may offer location flexibility to attract top candidates. The range for AI Insurance Engineers in Portland runs from $106,000 to $182,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A Prompt Engineer in Portland earns $144,000 (1% more)
- The highest-paying role in Portland is Distinguished Engineer at $336,000
Common questions.
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