AI Insurance Underwriting Specialist.
Dallas.
$163,000
median salary, 5% above the national average
$121,000 to $215,000. Last updated April 2026.
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Data points to own the conversation.
Here is what AI Insurance Underwriting Specialists actually make in Dallas: $121,000 at the 25th percentile, $163,000 at the median, and $215,000 at the 75th. That is 5% above the national average. Dallas is a major corporate hub with dozens of Fortune 500 headquarters spanning telecom, finance, defense, and retail. The number on your offer letter will depend on what you bring and how you ask.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $147,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$106,000
to $130,000
Mid (3-5 yrs)
$139,000
to $171,000
Senior (6-9 yrs)
$179,000
to $212,000
Lead (10+ yrs)
$204,000
to $253,000
Salary trend
+8% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $76,000 to the total package.
Base
$163,000
Equity
$46,000
Bonus
$20,000
Signing
$10,000
Estimated total: $239,000
How Dallas compares
Dallas, TX
$163,000
Cost of living: 1% above average
National Average
$155,000
Dallas is $8,000 above
AI Insurance Underwriting Specialist salary by city
Salary by role in Dallas
What you should know
Before you negotiate a AI Insurance Underwriting Specialist offer in Dallas, understand the terrain. Dallas is a major corporate hub with dozens of Fortune 500 headquarters spanning telecom, finance, defense, and retail. The metro's low cost of living and no state income tax make it a magnet for corporate relocations. Tech salaries in Dallas have risen quickly, particularly in fintech, cybersecurity, and enterprise software. Salaries depend on the line of business and company size. Specialists working on commercial and specialty lines earn more than those in personal lines. Actuarial credentials combined with ML skills create a premium. Insurtech startups often pay above traditional carriers.
Junior insurance data scientists start around $90,000. Mid-career AI underwriting specialists earn $140,000 to $170,000. Chief underwriting officers or heads of insurance AI at major carriers reach $230,000 to $300,000 with bonuses. In Dallas, 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. Insurance industry bonuses range from 10% to 20% of base salary. Insurtech equity can be meaningful at growth-stage companies. Traditional carriers offer strong retirement plans and comprehensive health coverage. And on the tax side: texas levies no state income tax, giving Dallas workers a meaningful take home pay advantage. Local property taxes are above the national average, typically around 2% of assessed value. When someone quotes you $163,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Highlight the corporate headquarters density in DFW. Employers here compete fiercely for talent and often match or exceed offers from companies across the metroplex. The range for AI Insurance Underwriting Specialists in Dallas runs from $121,000 to $215,000. 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 Full Stack AI Developer in Dallas earns $162,000 (1% less)
- The highest-paying role in Dallas is Chief AI Officer at $322,000
Common questions.
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