Salary of an Insurance Agent
Average Salary of an Insurance Agent in 2025
The insurance industry continues to offer steady career opportunities in 2025.
This guide shows what Insurance Agents earn based on experience and location. We'll cover key questions, such as how much entry-level agents earn. We'll also look at whether base salary includes commissions. Plus, we'll see which states offer the highest pay.
Understanding your career worth is crucial in 2025's changing job market. Check out salary ranges that depend on your experience, where you live, and ways to boost your income.
This data comes from real salary surveys and helps you make smart career decisions. If you’re starting your insurance career or want to boost your income, this guide has the answers for you.
What's the Average Salary of an Insurance Agent in the USA?
$62,500 per year (Average)
We calculated this average using data from over 44,000 salary points. This data comes from multiple platforms like Salary.com, PayScale, Indeed, and Glassdoor.
Salary.com reports Insurance Agents earn $56,882 per year as of April 2025, while PayScale shows $46,301 in 2025. Indeed, data from 44,100+ salaries shows $72,153 per year, and Glassdoor reports $148,557 per year.
Insurance Agent salaries have steadily increased over the past ten years. The average salary has gone up by $4,708 since 2024. This 4% growth shows steady demand for insurance professionals. More people need coverage for homes, cars, and life insurance.
Insurance Agent Key Metrics 2025
Average salary: $62,500 per year.
Major salary platforms show ranges from $46,301 (PayScale) to $148,557 (Glassdoor). The wide range reflects different job types, from basic agents to senior specialists.
Salary range: $31,000 - $148,000 per year. Entry-level positions begin at $40,000. Most experienced workers earn up to $100,000. Top performers and specialists can earn significantly more through commissions and bonuses.
Salary by experience:
Entry-level Insurance Agents: $38,000 - $76,000 per year
Mid-level Insurance Agents: $52,000 - $72,000 per year
Senior Insurance Agents: $86,000 - $148,000+ per year
PayScale shows that entry-level Insurance Agents with under 1 year of experience earn about $38,065. This figure comes from 216 salaries. Entry-level agents earn about $39,950 on average, according to Salary.com. In contrast, Indeed lists the average at $76,496 for similar roles.
75th percentile: $85,000 per year. Insurance agents in the top 25% earn $85,000 or more each year. This includes people with special skills in life insurance, commercial policies, or management.
Analysis of more than 44,000 salary reports from popular job boards shows similar figures across major sites.
Insurance Agent Salary Regional Comparison
Geography plays a big role in Insurance Agent salaries. States with higher living costs often pay more. But the extra pay might not cover all additional expenses.
More businesses in an area mean a higher need for commercial insurance agents. This can lead to better pay. Weather-prone regions often have higher demand for property insurance specialists.
Here's how salaries in different states compare to the national average.
In California, entry-level agents earn about $64,170. In Florida, they make around $48,590.
New York provides great value for career growth and a wide range of insurance products. It's a key financial hub. Higher living costs often balance out with better commissions and job growth.
6 Tips to Grow Your Salary as an Insurance Agent
1. Get Licensed in Multiple Insurance Types: Getting licenses for life, health, property, and casualty insurance can increase your earnings by 25-40%. Licensed Life Insurance Agents earn $86,658 per year compared to general agents at $56,882. Multiple licenses mean more products to sell and higher commissions.
2. Focus on Commercial Insurance Sales: Commercial insurance policies are bigger and more complex. This means they often bring in higher commissions. Business insurance agents usually make 20-30% more than personal lines agents. This is because their policies are larger and have better renewal rates.
3. Build Strong Client Relationships for Renewals: Insurance is a relationship business. Agents who maintain high renewal rates earn steady commission income year after year. Focus on excellent customer service to keep clients for life.
4. Move to High-Demand States: Relocating to states like New York or California can increase base salaries by 10-25%. Research the licensing requirements and market conditions before making the move.
5. Specialize in High-Value Products: Focus on life insurance, disability insurance, or commercial policies. These products offer better premiums and higher commission rates than basic auto or renters insurance.
6. Join a Winning Agency or Go Solo: Top agencies provide great training, leads, and commission splits. Independent agents can earn more money for each policy. However, they must manage their own marketing and find leads.
FAQs About Insurance Agent Salary
What is the average salary of an Insurance Agent for entry-level positions?
Entry-level Insurance Agents earn about $39,950 on average, says Salary.com. Their pay can range from $38,000 to $76,000 based on the company and location. Entry-level means less than one year of experience in insurance sales.
Is the average salary of an Insurance Agent before or after tax?
All salary figures mentioned are gross annual salaries before taxes. Your take-home pay will decrease after federal, state, and local taxes are deducted from your base salary and commission.
Does the average salary of an Insurance Agent include commissions?
Most salary data includes base salary only, not commissions or bonuses. Insurance agents can earn up to $5,000 in bonuses and commissions alone on top of their base pay. Total compensation is often much higher than base salary.
How much do senior Insurance Agents earn compared to the average salary?
Senior Insurance Agents with over 10 years of experience can earn between $86,000 and $148,000 or more each year. This amount is 40% to 135% higher than the national average. Senior roles include agency managers, commercial specialists, and top-producing sales agents.
What factors affect an Insurance Agent's salary the most?
Key factors include experience level, geographic location, insurance specialization, and commission structure. Life and commercial insurance agents often earn more than auto or home insurance agents.
Do Insurance Agents make more money from salary or commissions?
Most Insurance Agents earn more from commissions than base salary. Successful agents can double or even triple their base pay. They do this mainly through commission earnings. This is especially true in life insurance and commercial lines.
Which states pay the highest average salary for Insurance Agents?
New York, California, and other expensive states often have the highest base salaries. These salaries range from $64,000 to $68,500 a year. However, commission opportunities vary by market and competition levels.
How often do Insurance Agent salaries increase?
Insurance agents mainly see pay increases from higher commissions. This happens as they grow their client base. Industry salaries have risen 4% in the last ten years. However, individual agents can earn much higher increases based on their performance.
All pay information is current as of 2025. The information and data are compiled from various international salary surveys and government statistics, 2025.
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