Independent Insurance Agent Salary in the United States

How much does an Independent Insurance Agent make in the United States?

As of August 01, 2026, the average salary for an Independent Insurance Agent in the United States is $84,923 per year, which breaks down to an hourly rate of $41.

However, an Independent Insurance Agent's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $105,705
  • Majority Range (25th-75th percentile): $74,723 to $95,801
  • Entry-Level (10th percentile): $65,436
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View as table View as graph 25% $74,723 10% $65,436 90% $105,705 75% $95,801 $84,923 50%(Median) Didn’t find job title? Click

Independent Insurance Agent Salaries by Percentile

Annual
Salary
Monthly
Pay
Weekly
Pay
Hourly
Wage
75th Percentile $95,801 $7,983 $1,842 $46
Average $84,923 $7,077 $1,633 $41
25th Percentile $74,723 $6,227 $1,437 $36
Check out Independent Insurance Agent Job Openings in the United States
Independent Life Insurance Agent

GIA Legacy Planning - Columbus, OH

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Shelter Insurance - Columbus, OH

Insurance Agent

HealthMarkets - Columbus, OH

Insurance Agent

The Boutwell Agency - Columbus, OH

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Key Factors That Influence Independent Insurance Agent Salaries

An Independent Insurance Agent's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects Independent Insurance Agent Salaries?

Experience is a primary driver of an Independent Insurance Agent's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here’s how the average salary grows at different career stages:

  • Entry-Level (less than 1 year): $62,298
  • Early Career (1-2 years): $85,631
  • Mid-Level (2-4 years): $151,477
  • Senior-Level (5-8 years): $205,043
  • Expert (over 8 years): $246,798
Levels Salary
Insurance... Level Independent Insurance Agent$62,298
Independe... Level Independent Insurance Agent$85,631
Insurance... Level Independent Insurance Agent$151,477
Insurance... Level Independent Insurance Agent$205,043
Insurance... Level Independent Insurance Agent$246,798
$62,298 0 yr
$85,631 < 2 yrs
$151,477 2-4 yrs
$205,043 5-8 yrs
$246,798 > 8 yrs
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What Am I Worth?

Top Paying Cities for Independent Insurance Agents

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $107,113
  • San Francisco: $105,940
  • Oakland: $103,707

What Skills Can Increase an Independent Insurance Agent's Salary?

Demanded Skills for the Role:

  • Presentation (Mentioned in 6.24% Job Postings): Presentation conveys information from a speaker to an audience. Presentations are typically demonstrations, introduction, lecture, or speech meant to inform, persuade, inspire, motivate, build goodwill, or present a new idea/product.
  • Prospecting (Mentioned in 2.75% Job Postings): Prospecting is the first stage of the geological analysis (second – exploration) of a territory. It is the physical search for minerals, fossils, precious metals or mineral specimens, and is also known as fossicking. Prospecting is a small-scale form of mineral exploration which is an organised, large scale effort undertaken by commercial mineral companies to find commercially viable ore deposits. Prospecting is physical labour, involving traversing (traditionally on foot or on horseback), panning, sifting and outcrop investigation, looking for signs of mineralisation. In some areas a prospector must also make claims, meaning they must erect posts with the appropriate placards on all four corners of a desired land they wish to prospect and register this claim before they may take samples. In other areas publicly held lands are open to prospecting without staking a mining claim.
  • Work Ethic (Mentioned in 2.01% Job Postings): A belief that work and diligence have a moral benefit and an inherent ability, virtue or value to strengthen character and individual abilities. A set of values centered on importance of work and manifested by determination or desire to work hard.
See More Skills
Skills Demand Percentage
Presentation 6.24%
Prospecting 2.75%
Work Ethic 2.01%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an Independent Insurance Agent's salary.
  • Customer Relationship: Can increase your salary by up to 7%.
  • Telemarketing: Can increase your salary by up to 7%.
  • Product Marketing: Can increase your salary by up to 7%.
Skill Salary Salary % Increase
Customer Relationship
$90,867
7%
Telemarketing
$90,867
7%
Product Marketing
$90,867
7%
Listening
$90,018
6%
Outside Sales
$89,169
5%
Billing
$89,169
5%
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Independent Insurance Agent Salary by Industry: Top Paying Sectors

For Independent Insurance Agent roles, the industry you choose can impact your earning potential by as much as 25% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Insurance, offers compensation 10% above the average. Conversely, Independent Insurance Agent positions in Business Services typically offer lower base pay, as this sector often view Independent Insurance Agent as a support function rather than a direct revenue driver.

The top paying industries for an Independent Insurance Agent

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Insurance$93,415$45.010%
Financial Services$89,169$43.05%

Independent Insurance Agent Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Independent Insurance Agent's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

Last Updated on August 01, 2026

Salary Trends for Independent Insurance Agent

Salaries for an Independent Insurance Agent can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $80,464 in 2023 to around $78,862 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Independent Insurance Agent salary trends, .

Average Annual Salary of Independent Insurance Agent Over Time

2022
$???
2023
$80,464
2024
$79,970
2025
$78,862
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $80,464
2024 $79,970
2025 $78,862
2026
View More
2027
View More

Most common benefits for Independent Insurance Agent

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Independent Insurance Agent

Here are companies hiring for Independent Insurance Agent and their salaries, click below for more details.

Find Your Next Independent Insurance Agent Job

Ready to take the next step in your career? Browse thousands of current Independent Insurance Agent job openings on our job board. Use the search bar below to find your perfect match.

United States
  • American Family Insurance

    Columbus, OH

    American Family Insurance | Columbus, OH

    Agency Agent Opportunity. We're always looking for strong leaders and motivated individuals to become Agency Agent. While this isn't a posting for an immed... more

    3 Days Ago

  • Kimbrell Agency

    Columbus, OH

    Kimbrell Agency | Columbus, OH

    Job Description. Job Description. Kimbrell Agency. Remote. Employment Type: Contractor. Compensation $50,000 to $100,000 per year (plus commission). If you... more

    2 Days Ago

  • GIA Legacy Planning

    Columbus, OH

    GIA Legacy Planning | Columbus, OH

    Independent Contractor Opportunity. An independent opportunity for driven, self-motivated people ready to build something of their own. If you are someone ... more

    2 Days Ago

  • Pope Insurance Group (A Senior Life Insurance Company Agency)

    Columbus, OH

    Pope Insurance Group (A Senior Life Insurance Company Agency) | Columbus, OH

    Join Team Nexa Insurance Solutions. Are you ready to grow your career in life insurance sales. At Team Nexa Insurance Solutions, we specialize in Final Exp... more

    3 Days Ago

  • Symmetry

    Columbus, OH

    Symmetry | Columbus, OH

    Remote Insurance Sales Agent. Must be authorized to work in the US, no work visas offered at this time. Organization Description: As Financial Service indu... more

    3 Days Ago

  • Matic

    Columbus, OH

    Matic | Columbus, OH

    Job Description. Job Description. The Importance of this Role. The Insurance Agent (P&C or Personal Lines License) is responsible for helping drive revenue... more

    4 Days Ago

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FAQ about Independent Insurance Agent

1. What industry pays the highest salary for Independent Insurance Agent?

The Insurance industry offers the highest average compensation for Independent Insurance Agent roles, with salaries approximately 10% above the market median.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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