Insurance Claims Representative Salary (United States)

Pay for Insurance Claims Representatives in the United States is typically around $40,915 annually. The range in pay spans from $27,519 to $66,371 per year. The most influential factor affecting pay for this group is experience level, though the particular city and the specific company have a (lesser) impact as well. A strong majority enjoy medical while most get dental coverage in this occupation. Vision coverage is also available to more than half. More than half of Insurance Claims Representatives (62 percent) are women. The majority of Insurance Claims Representatives claim high levels of job satisfaction. This outline is derived from replies to PayScale's salary survey.
Insurance Claims Representative Salary (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$30,939 - $66,812
(Median)
31K
44K
56K
67K
MEDIAN: $43,660
10%
50%
75%
90%
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Insurance Claims Representative Salary (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$11.07 - $20.52
(Median)
11
13
15
18
21
MEDIAN: $15.00
10%
25%
50%
75%
90%
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National Salary Data

 (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$23K$46K$69K
Salary
$30,939 - $66,812  
   
Bonus
$0.00 - $5,046  
Profit Sharing
$625 - $5,450  
Commission
$-0.49 - $9,826  
Total Pay (?
XTotal Pay combines base annual salary or hourly wage, bonuses, profit sharing, tips, commissions, overtime pay and other forms of cash earnings, as applicable for this job. It does not include equity (stock) compensation, cash value of retirement benefits, or the value of other non-cash benefits (e.g. healthcare).
)
$27,519 - $66,371  
PayScale
Country: United States | Currency: USD | Updated: 3 Sep 2014 | Individuals Reporting: 750
National Hourly Rate Data (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$17$34$51
Hourly Rate
$11.07 - $20.52  
   
Overtime
$1.80 - $49.81  
National Annualized Data (?
XAll compensation data shown are gross, national 10th to 90th percentile ranges. Pay can vary greatly by location. To view local data, take the PayScale survey.
)
$0$50K$100K$150K
Bonus
$0.00 - $5,046  
   
Commission
$-0.49 - $9,826  
Profit Sharing
$625 - $5,450  
Total Pay (?
XTotal Pay combines base annual salary or hourly wage, bonuses, profit sharing, tips, commissions, overtime pay and other forms of cash earnings, as applicable for this job. It does not include equity (stock) compensation, cash value of retirement benefits, or the value of other non-cash benefits (e.g. healthcare).
)
$27,519 - $66,371  
PayScale
Country: United States | Currency: USD | Updated: 3 Sep 2014 | Individuals Reporting: 274
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Job Description for Insurance Claims Representative

Insurance claims representatives handle claims made by clients and protect the company they work for from false or fraudulent claims. They are the first person to handle a claim when one is made. They speak with the client who is making the claim and they determine if the claim is valid or not.
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Insurance Claims Representative Tasks
  • Performs system functions such as entering information and updates into database.
  • Provides claim status information to clients.
  • Verifies accuracy and completeness of insurance claims.
  • Conducts investigations to determine coverage for claims.

Common Career Paths for Insurance Claims Representative

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Additional career progression can lead to a hefty increase in pay for Insurance Claims Representatives. At the upper end, those who move into a Insurance Claims Manager role can bring in an extra $31K per year. The most common next step for Insurance Claims Representatives is moving into roles as Claims Examiners or Insurance Claims Adjusters, where they can expect an extra $3,730 or $5,151 per year.

Insurance Claims Representative Job Listings

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Popular Employer Salaries for Insurance Claims Representative

State Farm Insurance Company, Farmers Insurance Group, Geico, The Hartford Financial Services Group, Inc., and Liberty Mutual Insurance Group are all popular places to work. The Hartford Financial Services Group, Inc. offers the largest salaries in town—$46,629 on average—but the considerable range in workers' salaries (stretching from $34K to $69K) creates a rather varied pay scale.
Geico offers the lowest pay in the field, with a median salary of just $34,826. Liberty Mutual Insurance Group and AAA Insurance Company are other employers known for handing out relatively lightweight salaries ($40,566 and $41,558, respectively).

Popular Skills for Insurance Claims Representative

Insurance Claims Representatives note just a narrow range of job skills. Most notably, facility with Negotiation and Claim Handling are correlated to pay that is significantly above average, leading to increases of 21 percent and 3 percent, respectively. Skills that pay less than market rate include Customer Service. Those proficient in Claim Handling are, more often than not, also skilled in Negotiation.

Pay by Experience Level for Insurance Claims Representative

Median of all compensation (including tips, bonus, and overtime) by years of experience.
For many but not all Insurance Claims Representatives, experience and pay levels seem to be correlated; more years in the business generally lead to more money. Early in their career, Insurance Claims Representatives do not see a dramatic shift in salary; typically starting at $37K, pay reaches $42K after five to 10 years. Between 10 and 20 years, pay reaches $53K. After spending 20 years in the field, salary continues to increase for Insurance Claims Representatives and pay is expected at $62K. Experienced employees who have 10-20 years of experience make up about one-fifth of the workforce; inexperienced individuals who have been working for less than one year comprise 14 percent, and senior people with more than 20 years under their belt fill out the remaining 12 percent. More than half of respondents report one to nine years of experience.

Pay Difference By Location

Aurora
up arrow 32%
Dallas
up arrow 18%
Atlanta
up arrow 10%
Phoenix
0%
National Average
$41,000
up arrow 6%
Larger circles over a city indicate a job is popular in that location.
For those looking to make money, Insurance Claims Representatives in Aurora enjoy an exceptional pay rate, 32 percent above the national average. Insurance Claims Representatives will also find cushy salaries in Dallas (+18 percent) and Atlanta (+10 percent). Falling short of the national average by 6 percent, the area with the worst salaries is Tampa.

Related Job Salaries

Experience Affects Insurance Claims Representative Salaries

National Average
$41,000

Skills That Affect Insurance Claims Representative Salaries

Claim Handling
up arrow 3%
National Average
$41,000

Job Satisfaction

Highly satisfied Image
Highly satisfied
Rated 4 out of 5 based on 236 votes.

Gender

Female
62%
female alumni
 
Male
38%
male alumni

Years of Experience

Less than 1 year
14%
1-4 years
33%
5-9 years
20%
10-19 years
21%
20 years or more
12%

Common Health Benefits

medical benefits Medical: 88% dental benefits Dental: 77%
vision benefits Vision: 60% employee benefits None: 10%
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