What are the main factors that influence an Insurance Representative's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

What industry pays the highest salary for Insurance Representative?

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

How does experience change An Insurance Representative's salary?

An Insurance Representative's salary grows with experience: an Insurance Broker Trainee (2-4 years)earns $65,862, an Insurance Representative (4-7 years)earns $90,516, an Insurance Senior Broker (7-10 years)earns $160,090, an Insurance Managing Broker (10+ years)earns $216,706, an Insurance Broker Executive (10+ years)earns $260,835,

What are the highest paying states for an Insurance Representative?

Insurance Representative salary varies significantly by state. The top 3 highest paying states for Insurance Representative roles are District of Columbia $95,092, California $94,732, Massachusetts $93,469. These tech hubs typically pay 10-15% above the national average.

How much do different types of Insurance Representative roles make?

Salaries for Insurance Representative level roles vary by specialization: Insurance Sales Representative: $96,396; Licensed Insurance Representative: $89,219; Insurance Marketing Representative: $83,473; Insurance Operations Representative: $70,244; Insurance Verification Representative: $53,159.

Insurance Representative Salary in Hawaii

How much does an Insurance Representative make in Hawaii?

As of July 01, 2026, the average salary for an Insurance Representative in Hawaii is $89,767 per year, which breaks down to an hourly rate of $43.

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

Top Earners (90th percentile): $111,704
Majority Range (25th-75th percentile): $78,992 to $101,250
Entry-Level (10th percentile): $69,181

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Insurance Representative Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$101,250	$8,437	$1,947	$49
Average	$89,767	$7,481	$1,726	$43
25th Percentile	$78,992	$6,583	$1,519	$38

You may get higher pay by adjusting the following factors:

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Check out Insurance Representative Job Openings in Hawaii

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Malia Jansson - State Farm Agent - Aiea, HI

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Allstate Insurance: Yukimura & Associates - Lihue, HI

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Key Factors That Influence Insurance Representative Salaries

An Insurance Representative'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 Insurance Representative Salaries?

Experience is a primary driver of an Insurance Representative'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): $65,862
Early Career (1-2 years): $90,516
Mid-Level (2-4 years): $160,090
Senior-Level (5-8 years): $216,706
Expert (over 8 years): $260,835

Levels	Salary
Insurance... Level Insurance Representative	$65,862
Insurance... Level Insurance Representative	$90,516
Insurance... Level Insurance Representative	$160,090
Insurance... Level Insurance Representative	$216,706
Insurance... Level Insurance Representative	$260,835

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What Am I Worth?

How Do Insurance Representative Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Insurance Representatives. For example, consider the average annual salaries in these key locations:

District of Columbia: $95,092.
California: $94,732.
Massachusetts: $93,469.

District of Columbia $95,092 California $94,732 Massachusetts $93,469 Washington $93,126 New Jersey $93,091 Alaska $92,971 Connecticut $91,786 New York $91,305

Hawaii $89,767 Rhode Island $89,046 Maryland $88,556 Minnesota $87,887 Colorado $87,629 Illinois $87,543 Oregon $87,217 Delaware $86,976

New Hampshire $86,825 Virginia $86,487 Pennsylvania $85,499 Nevada $85,001 North Dakota $84,838 Michigan $84,580 Wisconsin $84,485 Vermont $84,297

Texas $83,773 Maine $83,738 Arizona $83,687 Ohio $83,627 Georgia $82,836 Indiana $82,441 Wyoming $82,364 Utah $82,244

Iowa $82,192 Kansas $81,780 Louisiana $81,660 North Carolina $81,617 Missouri $81,600 Florida $81,265 Montana $81,084 Nebraska $80,913

Kentucky $80,818 South Carolina $80,475 Tennessee $80,260 Idaho $80,174 New Mexico $79,547 Oklahoma $79,410 Alabama $78,903 South Dakota $78,053

Arkansas $77,589 West Virginia $77,340 Mississippi $76,593

Top Paying Cities for Insurance Representatives

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:

Aiea: $89,281
Anahola: $88,111
Captain Cook: $88,022

Aiea, HI $89,281 Anahola, HI $88,111 Captain Cook, HI $88,022 Eleele, HI $88,289 Ewa Beach, HI $89,202 Kapolei, HI $89,131 Haiku, HI $88,176 Hakalau, HI $87,978

Haleiwa, HI $88,959 Hana, HI $87,966 Hanalei, HI $87,996 Hanamaulu, HI $88,174 Hanapepe, HI $88,285 Hauula, HI $89,095 Hawaii National Park, HI $88,081 Hawi, HI $88,227

Hilo, HI $88,166 Princeville, HI $88,156 Holualoa, HI $88,057 Honaunau, HI $87,905 Honokaa, HI $88,019 Honomu, HI $88,157 Hoolehua, HI $87,905 Kaaawa, HI $89,124

Kahuku, HI $88,933 Kahului, HI $88,380 Kailua, HI $89,253 Ocean View, HI $88,130 Waikoloa, HI $88,122 Keauhou, HI $88,057 Kailua Kona, HI $88,164 Kalaheo, HI $88,184

Kalaupapa, HI $87,825 Kamuela, HI $88,063 Kaneohe, HI $89,234 Kapaa, HI $88,280 Kaumakani, HI $88,327 Kaunakakai, HI $88,010 Keaau, HI $88,226 Kealakekua, HI $88,179

Kealia, HI $88,209 Kekaha, HI $88,120 Kihei, HI $88,289 Kilauea, HI $88,158 Kapaau, HI $88,091 Koloa, HI $88,197 Kualapuu, HI $87,984 Kunia, HI $89,103

Kurtistown, HI $88,181 Lahaina, HI $88,198 Laie, HI $89,012 Lanai City, HI $87,984 Laupahoehoe, HI $88,206 Lawai, HI $88,327 Lihue, HI $88,174 Makawao, HI $88,244

Makaweli, HI $87,979 Maunaloa, HI $87,772 Mountain View, HI $88,135 Naalehu, HI $87,957 Ninole, HI $87,898 Ookala, HI $87,926 Paauilo, HI $88,033 Pahala, HI $87,981

Pahoa, HI $88,098 Paia, HI $88,203 Papaaloa, HI $88,218 Papaikou, HI $88,035 Pearl City, HI $89,217 Pepeekeo, HI $88,206 Puunene, HI $88,380 Volcano, HI $88,081

Wahiawa, HI $89,064 Pukalani, HI $88,244 Mililani, HI $89,171 Kula, HI $88,062 Waialua, HI $88,911 Waianae, HI $88,994 Wailuku, HI $88,242 Waimanalo, HI $89,236

Waimea, HI $88,319 Waipahu, HI $89,178 Honolulu, HI $89,312 J B P H H, HI $89,297 Wheeler Army Airfield, HI $89,112 Schofield Barracks, HI $89,086 Fort Shafter, HI $89,312 Tripler Army Medical Center, HI $89,312

Camp H M Smith, HI $89,292 M C B H Kaneohe Bay, HI $89,206 Wake Island, HI $89,312

Insurance Representative Salary by Industry: Top Paying Sectors

For Insurance Representative 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, Insurance Representative positions in Business Services typically offer lower base pay, as this sector often view Insurance Representative as a support function rather than a direct revenue driver.

The top paying industries for an Insurance Representative

Industry Sector	Average Annual Salary	Average Hourly Rate	Pay vs.Avg
Insurance	$98,744	$47.0	10%
Financial Services	$94,256	$45.0	5%

Insurance Representative Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Insurance Representative'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 July 01, 2026

$78,992

Average $89,767/year

$101,250

$6,583

Average $7,481/month

$8,437

$1,519

Average $1,726/week

$1,947

$38

Average $43/hour

$49

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$101,250	$8,437	$1,947	$49
Average	$89,767	$7,481	$1,726	$43
25th Percentile	$78,992	$6,583	$1,519	$38

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