Insurance Claims Representative Salary (United States)

Salaries for Insurance Claims Representatives in the United States sit in the ballpark of $40,915 annually. The pay spectrum stretches from $27,519 to $66,371 per year. Overall cash allowance, which can include more than $5,046 from bonuses and close to $5,450 from profit sharing—generally runs from $30,939 to $66,812. While geography and the particular employer impact pay for this group, career duration is the most influential factor. Most workers in this profession enjoy health benefits; medical and dental coverage is claimed by most, and more than half earn vision coverage. Female Insurance Claims Representatives are more common than men; more than half (62 percent) of Insurance Claims Representatives are women. Job satisfaction is high and work is enjoyable for most Insurance Claims Representatives. Respondents to the PayScale salary survey provided the data for this report.
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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Insurance Claims Representatives may experience a big boost in pay as they move up the career ladder. An upper-level role like Insurance Claims Manager may bring in a lot more money — an additional $31K annually. Career advancement for Insurance Claims Representatives often leads to becoming Claims Examiners or Insurance Claims Adjusters, where they can earn $3,730 or $5,151 more per year.

Insurance Claims Representative Job Listings

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Popular Employer Salaries for Insurance Claims Representative

Insurance Claims Representatives fill the offices of leading firms State Farm Insurance Company, Farmers Insurance Group, Geico, The Hartford Financial Services Group, Inc., and Liberty Mutual Insurance Group. Employees of The Hartford Financial Services Group, Inc. can expect to make the most, with the company offering a median salary of $46,629; however, pay is widely dispersed from top to bottom, ranging from $34K to $69K.
Although Geico hands out the lowest average salary in town at $34,826, employee compensation still varies greatly—workers can make as little as $25K or as much as $51K. Other companies with smaller-than-average paychecks include Liberty Mutual Insurance Group ($40,566) and AAA Insurance Company ($41,558).

Popular Skills for Insurance Claims Representative

Insurance Claims Representatives usually report a few specific 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 are correlated to lower pay, on the other hand, include Customer Service. The majority of those who know Claim Handling also know Negotiation.

Pay by Experience Level for Insurance Claims Representative

Median of all compensation (including tips, bonus, and overtime) by years of experience.
Pay for Insurance Claims Representatives increases steadily with experience. Salary growth can be slow for Insurance Claims Representatives who are just starting out. During their first decade on the job, pay typically only increases from $37K to $42K. After spending one to two decades on the job, pay usually hovers around $53K. Pay continues to grow for Insurance Claims Representatives after two decades on the job, and average earnings come to $62K. Experienced employees who have 10-20 years of experience make up 21 percent 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. Between one and nine years is the typical spectrum of experience for those in this line of work—of those who took the survey, more than half land within this radius.

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.
Home to some of the best pay for Insurance Claims Representatives, Aurora offers exceptional salaries, 32 percent above the national average. Insurance Claims Representatives will also find cushy salaries in Dallas (+18 percent) and Atlanta (+10 percent). Tampa is home to the smallest salaries in the field, lagging the national average by 6 percent.

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

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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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