Insurance at University of North Texas

Denton, TX · Public · Bachelor's Degree
72 /100
DegreeOutlook Score (Base Case) — assumes in-state tuition
73
Optimistic
72
Base Case
70
Pessimistic
Earnings $59,022/yr (3% vs median)
AI Risk Very High (52% exposed)
Job Market Large (94,900 openings/yr)
ROI 19.0x earnings multiple (10.0x out-of-state)
Ranked #5 of 20 Insurance programs Top 25%

How AI Changes the Outlook

Three scenarios based on how aggressively AI disrupts the career paths available to Insurance graduates.

Optimistic
No Disruption
Base Case
Gradual AI
Pessimistic
Aggressive AI
10-Year Earnings $893K $849K $736K
Earnings Multiple (In-State) 20.0x 19.0x 16.5x
Earnings Multiple (Out-of-State) 10.5x 10.0x 8.7x
Probability of Field Employment 68% 61% 46%
DegreeOutlook Score 73 72 70

10-Year Earnings Projection

*Year 1 uses actual reported earnings. Scenarios diverge as AI impact compounds over time.

4-Year Tuition, In-State (Sticker)
$44,656
Out-of-state: $84,976 (10.0x ROI)
4-Year Net Price (After Aid)
$57,408
-29% less than sticker · See by income
Median Debt at Graduation
$19,392
3.9 months of Year 1 earnings
Reported Earnings (5 Year)
$95,749
62% growth from Year 1

Program Analysis

Graduates earn $59,022/yr, roughly in line with the $57,397 national median for Insurance. The value proposition here depends on cost, not earnings.

The 19.0x earnings multiple means ten-year projected earnings exceed tuition cost by an order of magnitude. By pure financial math, this is a standout.

AI risk is moderate — 52% task exposure — and the 18% scenario spread suggests disruption would dent but not destroy the earnings outlook.

With first-year pay of $59,022 far exceeding the $19,392 median debt, the payback timeline is measured in months, not years.

Ranked #5 out of 20 programs, University of North Texas's Insurance program lands in the top 5% — a strong signal of graduate success.

Earnings growth from $59,022 to $95,749 over five years (62% increase) indicates that graduates in this field see meaningful salary progression.

About University of North Texas

University of North Texas accepts 72% of applicants — an open-access institution by design, one of the larger campuses at 33,680 students in Denton, TX.

See all programs and financial aid at University of North Texas →

Top Career Paths

Compensation and benefits managers $140,360/yr
Business teachers, postsecondary $97,270/yr
Insurance underwriters $79,880/yr
View all 7 career paths with salary ranges and AI risk →

Compare & Explore

Insurance at Other Schools

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Explore the Trade Alternative

Not every career requires a four-year degree. Trade programs in related fields can offer competitive salaries with a fraction of the student loan burden.

Frequently Asked Questions

How does University of North Texas's Insurance program score?
A score of 72/100 indicates strong financial outcomes. University of North Texas's Insurance graduates fare well on earnings, job market size, and return on investment.
How vulnerable is Insurance to AI automation?
AI won't 'replace' Insurance careers outright, but it is likely to reduce the number of job openings. We model 52% task exposure, which compresses field employment probability in our scenarios.
Why does University of North Texas rank so high for Insurance?
The #5 ranking out of 20 programs is driven by strong financial outcomes — graduates earn well, debt is manageable relative to income, and the job market supports the field.
Scores use College Scorecard earnings, BLS employment projections, and AI task-exposure research. See full methodology →