Insurance Underwriters vs Substitute Teachers, Short-Term: Salary Comparison (2024)
Side-by-side salary comparison using 2024 Bureau of Labor Statistics data.
Which Career Pays More?
Insurance Underwriters professionals earn $41,410 more per year than Substitute Teachers, Short-Term professionals — that's 107.6% higher. At the 90th percentile, Insurance Underwriters earns $138,020 compared to $63,460 for Substitute Teachers, Short-Term.
Salary Range Comparison
Insurance Underwriters$51,640 – $138,020
Substitute Teachers, Short-Term$26,240 – $63,460
$26,240$138,020
Detailed Salary Comparison
| Percentile | Insurance Underwriters | Substitute Teachers, Short-Term | Difference |
|---|---|---|---|
| 10th Percentile | $51,640 | $26,240 | +$25,400 |
| 25th Percentile | $63,070 | $31,310 | +$31,760 |
| Median (50th) | $79,880 | $38,470 | +$41,410 |
| 75th Percentile | $104,820 | $51,930 | +$52,890 |
| 90th Percentile | $138,020 | $63,460 | +$74,560 |
| Mean (Average) | $90,830 | $44,930 | +$45,900 |
Employment Numbers
Insurance Underwriters
107,820
employed nationwide
Substitute Teachers, Short-Term
481,300
employed nationwide
Top Paying Cities
Best Cities for Insurance Underwriters
| City | Median |
|---|---|
| Denver-Aurora-Lakewood, CO | $106,380 |
| Boston-Cambridge-Nashua, MA-NH | $103,270 |
| Chicago-Naperville-Elgin, IL-IN-WI | $98,860 |
| Seattle-Tacoma-Bellevue, WA | $98,500 |
| Hartford-East Hartford-Middletown, CT | $98,400 |
Best Cities for Substitute Teachers, Short-Term
| City | Median |
|---|---|
| San Francisco-Oakland-Berkeley, CA | $64,090 |
| San Jose-Sunnyvale-Santa Clara, CA | $60,080 |
| Seattle-Tacoma-Bellevue, WA | $58,570 |
| Miami-Fort Lauderdale-Pompano Beach, FL | $58,070 |
| Riverside-San Bernardino-Ontario, CA | $57,740 |
Frequently Asked Questions
Who earns more: Insurance Underwriters or Substitute Teachers, Short-Term?
Insurance Underwriters professionals earn more, with a median salary difference of $41,410 (107.6% higher) as of 2024 BLS data.
What is the salary range for Insurance Underwriters?
Insurance Underwriters salaries range from $51,640 (10th percentile) to $138,020 (90th percentile), with a median of $79,880.
What is the salary range for Substitute Teachers, Short-Term?
Substitute Teachers, Short-Term salaries range from $26,240 (10th percentile) to $63,460 (90th percentile), with a median of $38,470.
How many Insurance Underwriters and Substitute Teachers, Short-Term jobs are there?
There are approximately 107,820 Insurance Underwriters positions and 481,300 Substitute Teachers, Short-Term positions nationwide according to 2024 BLS data.
Is it worth switching from Substitute Teachers, Short-Term to Insurance Underwriters?
Career decisions depend on many factors beyond salary. Insurance Underwriters has a median salary of $79,880 while Substitute Teachers, Short-Term earns $38,470. Consider job satisfaction, growth prospects, required education, and work-life balance.
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Data verified March 2026 · Source: U.S. Bureau of Labor Statistics OEWS