Salary guide
Insurance Agent Salary & Pay Scale (2026)
What insurance agents earn per year, per hour and per month, with the full percentile range, the factors that move pay and how to earn more.
The median insurance agent salary in the U.S. is $62,280 per year, or $29.94 per hour, based on Bureau of Labor Statistics data for May 2025. The lowest-paid 10% earned under $37,330, while the top 10% earned more than $138,140.
Pay data: BLS OEWS, May 2025 · Outlook: BLS 2025–35 · Checked October 15, 2026
Insurance Agent pay scale
| Percentile | Annual | Hourly* | What it usually reflects |
|---|---|---|---|
| 10th percentile | $37,330 | $17.95 | Typical for new workers, part-time markets and lower-paying settings |
| 25th percentile | $46,870 | $22.53 | Early career, a year or two of experience |
| Median (50th) | $62,280 | $29.94 | Mid-career: half earn more, half earn less |
| 75th percentile | $96,950 | $46.61 | Experienced workers, specialists and higher-paying employers |
| 90th percentile | $138,140 | $66.41 | Top earners: senior, specialized, supervisory or high-cost areas |
*Hourly figures are annual wages divided by 2,080 hours. Percentile descriptions are general patterns, not guarantees.
Monthly and biweekly pay
| Pay period | At 25th percentile | At median | At 75th percentile |
|---|---|---|---|
| Per year | $46,870 | $62,280 | $96,950 |
| Per month | $3,906 | $5,190 | $8,079 |
| Every two weeks | $1,803 | $2,395 | $3,729 |
| Per week | $901 | $1,198 | $1,864 |
Gross pay before taxes and deductions.
What affects insurance agent pay
- Commission, bonus and base-pay mix
- Product type (technical, financial and B2B sales usually pay more)
- Licenses such as state insurance or FINRA securities licenses
- Territory, customer base and track record
- Geography and cost of living: metropolitan areas and some states pay well above the national median
How to earn more as an insurance agent
- Get credentialed: State insurance producer license, Chartered Property Casualty Underwriter (CPCU), Chartered Life Underwriter (CLU).
- Build specialty experience: Grow a book of business.
- Move up: roles such as agency manager and agency owner typically pay more.
- Negotiate: research local pay and use our salary negotiation guide.
Insurance Agent pay vs. related careers
Job outlook
BLS projects employment of insurance agents to change by +3.3% from 2025–35, about as fast as average compared with the 3.5% average for all occupations. About 43,100 openings are projected each year, on average, including openings to replace workers who retire or change occupations.
About this data
Figures come from the BLS Occupational Employment and Wage Statistics survey (May 2025), which covers wage and salary workers nationwide under SOC code 41-3021 (“Insurance sales agents”). Wages exclude self-employment income, overtime and most bonuses unless they are part of regular pay. We refresh these numbers when BLS releases new estimates each spring.
Insurance Agent salary FAQ
How much does an insurance agent make per hour?
The median hourly wage for insurance agents was $29.94 in May 2025 (BLS). Hourly pay for the lowest 10% was about $17.95 and the top 10% earned about $66.41 or more.
How much does an insurance agent make a month?
At the median annual wage of $62,280, that works out to about $5,190 per month before taxes, or about $2,395 every two weeks.
What is the starting salary for an insurance agent?
New insurance agents often start near the lower end of the range. The 10th percentile was $37,330 and the 25th percentile was $46,870 per year in May 2025. Starting pay depends on location, employer and credentials.
How can insurance agents earn more?
Common ways include earning State insurance producer license and Chartered Property Casualty Underwriter (CPCU), gaining specialty experience, taking shifts or roles with premium pay, and moving up the career ladder to roles such as agency manager.
Sources
- U.S. Bureau of Labor Statistics, BLS Occupational Employment and Wage Statistics (OEWS), May 2025, SOC 41-3021 (Insurance sales agents).
- U.S. Bureau of Labor Statistics, BLS Employment Projections, Table 1.2 (2025–35).
- O*NET OnLine summary for Insurance sales agents (U.S. Department of Labor).
- BLS Occupational Outlook Handbook.
Reviewed by the Career Education Institute Curriculum Team. Pay figures are national estimates; local pay varies. See our editorial policy.