Insurance Adjuster Salary by State
Start with Texas — the biggest adjuster market and the most popular license — then search, sort and filter estimated pay for all 50 states and D.C.
Insurance adjuster salary in Texas
Texas staff adjusters earn an estimated $76,800 at the median (about $36.92 an hour), in line with the national median. Pay is highest in Austin, Dallas-Fort Worth and Houston, where the big carriers and IA firms run their claim hubs. Catastrophe demand is rated High: spring hail in North and Central Texas, Gulf hurricanes from June to November, and winter freezes keep independent adjusters busy.
- Texas all-lines license: the most popular home-state license nationwide
- Public adjuster fees capped at 10% of the settlement
- Typical staff range: $49k–$115k
Texas metros (est. median)
Highest-paying states for staff adjusters
Estimated median staff adjuster salary. Regional wage index applied to the BLS national median.
| Typical range | ||||
|---|---|---|---|---|
| Texas | $49k – $115k | $36.92 | High | |
| Alabama | $44k – $104k | $33.22 | High | |
| Alaska | $53k – $124k | $39.86 | Low | |
| Arizona | $48k – $113k | $36.20 | Moderate | |
| Arkansas | $43k – $100k | $32.12 | Moderate | |
| California | $57k – $133k | $42.45 | High | |
| Colorado | $52k – $122k | $39.13 | High | |
| Connecticut | $54k – $127k | $40.63 | Low | |
| Delaware | $50k – $118k | $37.64 | Low | |
| District of Columbia | $58k – $136k | $43.56 | Low | |
| Florida | $48k – $112k | $35.82 | High | |
| Georgia | $48k – $112k | $35.82 | High | |
| Hawaii | $51k – $119k | $38.03 | Moderate | |
| Idaho | $44k – $104k | $33.22 | Low | |
| Illinois | $51k – $120k | $38.41 | Moderate | |
| Indiana | $45k – $106k | $33.94 | Moderate | |
| Iowa | $46k – $108k | $34.71 | Moderate | |
| Kansas | $45k – $106k | $33.94 | High | |
| Kentucky | $44k – $104k | $33.22 | Moderate | |
| Louisiana | $45k – $105k | $33.61 | High | |
| Maine | $47k – $110k | $35.10 | Low | |
| Maryland | $52k – $122k | $39.13 | Low | |
| Massachusetts | $56k – $130k | $41.73 | Low | |
| Michigan | $47k – $111k | $35.43 | Low | |
| Minnesota | $51k – $119k | $38.03 | Moderate | |
| Mississippi | $42k – $98k | $31.39 | High | |
| Missouri | $46k – $107k | $34.33 | Moderate | |
| Montana | $44k – $104k | $33.22 | Moderate | |
| Nebraska | $46k – $108k | $34.71 | High | |
| Nevada | $48k – $112k | $35.82 | Low | |
| New Hampshire | $51k – $120k | $38.41 | Low | |
| New Jersey | $55k – $128k | $40.96 | Moderate | |
| New Mexico | $45k – $106k | $33.94 | Low | |
| New York | $55k – $129k | $41.35 | Moderate | |
| North Carolina | $47k – $110k | $35.10 | High | |
| North Dakota | $48k – $112k | $35.82 | Moderate | |
| Ohio | $47k – $110k | $35.10 | Moderate | |
| Oklahoma | $44k – $104k | $33.22 | High | |
| Oregon | $51k – $120k | $38.41 | Low | |
| Pennsylvania | $49k – $115k | $36.92 | Low | |
| Rhode Island | $52k – $121k | $38.75 | Low | |
| South Carolina | $45k – $105k | $33.61 | High | |
| South Dakota | $43k – $101k | $32.50 | Moderate | |
| Tennessee | $46k – $107k | $34.33 | Moderate | |
| Utah | $48k – $112k | $35.82 | Low | |
| Vermont | $48k – $112k | $35.82 | Low | |
| Virginia | $51k – $119k | $38.03 | Moderate | |
| Washington | $54k – $127k | $40.63 | Low | |
| West Virginia | $43k – $100k | $32.12 | Low | |
| Wisconsin | $47k – $111k | $35.43 | Low | |
| Wyoming | $46k – $107k | $34.33 | Moderate |
How insurance adjuster salary changes by state
For staff adjusters, pay follows the local labor market. Carriers in high-cost metros — Washington D.C., the Bay Area, Boston, New York and northern New Jersey — pay well above the national median of $76,790, while much of the South and rural Midwest pays somewhat less, often with a lower cost of living to match.
For independent and CAT adjusters, the map looks different. Fee schedules are mostly national, so income follows claim volume. States with a High catastrophe rating see regular hurricanes, hail, tornadoes or wildfires, and that is where deployments happen. Many independent adjusters live in a low-cost state and travel to the storms.
Dig into the two biggest markets: insurance adjuster salary in Texas and insurance adjuster salary in Florida. Or personalize your estimate with the salary calculator.
State salary FAQs
Which state pays insurance adjusters the most?
For staff adjusters, high-wage areas such as the District of Columbia, California, Massachusetts, New York and New Jersey pay the most. For independent and CAT adjusters, storm-heavy states like Texas, Florida, Louisiana and Oklahoma usually generate the most income because of claim volume.
What is the insurance adjuster salary in Texas?
Texas staff adjuster pay sits close to the national median of about $76,800, with Houston and Dallas-Fort Worth running slightly higher. Texas also has some of the heaviest hail and hurricane claim volume in the country, which lifts independent adjuster income.
What is the insurance adjuster salary in Florida?
Florida staff pay runs close to the national median, while hurricane seasons create large earning opportunities for independent and catastrophe adjusters with a Florida 6-20 or emergency license.
Where do these state salary figures come from?
They are estimates. We apply a regional wage index to the BLS national median for claims adjusters ($76,790, May 2024). They are useful for comparing states, but official BLS state data and real job postings should guide salary negotiations.
Keep running the numbers
Adjuster Salary Calculator
Estimate your insurance adjuster salary by role, line of business, experience and state.
Open toolCAT Deployment Earnings Calculator
Model what a catastrophe deployment pays after fee splits, expenses and taxes.
Open toolPublic Adjuster Fee Calculator
See what a public adjuster earns on a settlement, with Texas and Florida fee caps built in.
Open toolBecome a Texas Insurance Adjuster Within a Week
Take an online Texas all-lines pre-licensing course, get licensed and start applying for claims roles across Texas and every reciprocal state. Use code joe20 for 20% off.