AI Insurance Underwriting Specialist.
New York.
$194,000
median salary, 25% above the national average
$144,000 to $257,000. Last updated April 2026.
Get the job.
Data points to own the conversation.
Here is what AI Insurance Underwriting Specialists actually make in New York: $144,000 at the 25th percentile, $194,000 at the median, and $257,000 at the 75th. That is 25% above the national average. New York City remains one of the world's largest and most diverse job markets, with unmatched density in finance, media, and technology. 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 $175,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$126,000
to $155,000
Mid (3-5 yrs)
$165,000
to $204,000
Senior (6-9 yrs)
$213,000
to $252,000
Lead (10+ yrs)
$243,000
to $301,000
Salary trend
+8% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $89,000 to the total package.
Base
$194,000
Equity
$54,000
Bonus
$23,000
Signing
$12,000
Estimated total: $283,000
How New York compares
New York, NY
$194,000
Cost of living: 28% above average
National Average
$155,000
New York is $39,000 above
AI Insurance Underwriting Specialist salary by city
Salary by role in New York
What you should know
Before you negotiate a AI Insurance Underwriting Specialist offer in New York, understand the terrain. New York City remains one of the world's largest and most diverse job markets, with unmatched density in finance, media, and technology. The city's tech sector has grown rapidly, rivaling the Bay Area for venture funding and startup activity. Remote work has reshaped demand slightly, but employers still pay premiums for in office presence in Manhattan. 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 New York, those numbers run higher. The cost of living here is 28% above average, and employers adjust to compete.
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: new York State income tax rates reach 10.9%, and New York City adds a local income tax up to 3.876%. Combined with federal taxes, your effective rate can be among the highest nationally. When someone quotes you $194,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Emphasize your willingness to work from the office in Manhattan. Many NYC employers pay 10 to 15% more for in person roles compared to remote positions. The range for AI Insurance Underwriting Specialists in New York runs from $144,000 to $257,000. 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 Model Deployment Specialist in New York earns $193,000 (1% less)
- The highest-paying role in New York is Chief AI Officer at $393,000
Common questions.
AI Insurance Underwriting Specialist salary in other cities
Other salaries in New York
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