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 $65,333, an Insurance Representative (4-7 years)earns $89,788, an Insurance Senior Broker (7-10 years)earns $158,803, an Insurance Managing Broker (10+ years)earns $214,964, an Insurance Broker Executive (10+ years)earns $258,739,

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 Rhode Island

How much does an Insurance Representative make in Rhode Island?

As of July 01, 2026, the average salary for an Insurance Representative in Rhode Island is $89,046 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): $110,806
Majority Range (25th-75th percentile): $78,357 to $100,436
Entry-Level (10th percentile): $68,625

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Insurance Representative Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$100,436	$8,370	$1,931	$48
Average	$89,046	$7,420	$1,712	$43
25th Percentile	$78,357	$6,530	$1,507	$38

You may get higher pay by adjusting the following factors:

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Check out Insurance Representative Job Openings in Rhode Island

Insurance Sales Representative

New York Life Insurance Company - Johnston, RI

Licensed Insurance Sales Representative

Marnette Bromberg Allstate Agency - Providence, RI

Insurance Sales Representative

Insurance Services - Providence, RI

Insurance Customer Service Representative

Blaeser Insurance Agency - Bristol, RI

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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): $65,333
Early Career (1-2 years): $89,788
Mid-Level (2-4 years): $158,803
Senior-Level (5-8 years): $214,964
Expert (over 8 years): $258,739

Levels	Salary
Insurance... Level Insurance Representative	$65,333
Insurance... Level Insurance Representative	$89,788
Insurance... Level Insurance Representative	$158,803
Insurance... Level Insurance Representative	$214,964
Insurance... Level Insurance Representative	$258,739

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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:

Adamsville: $90,159
Albion: $89,397
Ashaway: $89,988

Adamsville, RI $90,159 Albion, RI $89,397 Ashaway, RI $89,988 Barrington, RI $89,162 Block Island, RI $89,658 Bradford, RI $89,934 Bristol, RI $89,505 Carolina, RI $89,785

Charlestown, RI $89,818 Chepachet, RI $89,639 Clayville, RI $89,390 Coventry, RI $89,394 West Greenwich, RI $89,640 East Greenwich, RI $89,334 Exeter, RI $89,615 Fiskeville, RI $89,160

Forestdale, RI $89,847 Foster, RI $89,592 Glendale, RI $89,854 Greene, RI $89,710 Greenville, RI $89,195 Harmony, RI $89,310 Harrisville, RI $89,816 Hope, RI $89,216

Hope Valley, RI $89,909 Hopkinton, RI $90,028 Jamestown, RI $89,727 Kenyon, RI $89,774 Little Compton, RI $90,145 Manville, RI $89,515 Mapleville, RI $89,657 Newport, RI $89,817

Middletown, RI $89,857 North Kingstown, RI $89,487 North Scituate, RI $89,311 Oakland, RI $89,754 Pascoag, RI $89,875 Pawtucket, RI $89,029 Central Falls, RI $89,068 Cumberland, RI $89,574

Lincoln, RI $89,158 Portsmouth, RI $89,808 Prudence Island, RI $89,623 Rockville, RI $90,014 Saunderstown, RI $89,673 Shannock, RI $89,779 Slatersville, RI $89,848 Slocum, RI $89,670

Tiverton, RI $90,081 Wakefield, RI $89,749 Kingston, RI $89,715 Narragansett, RI $89,774 Peace Dale, RI $89,738 Warren, RI $89,392 Warwick, RI $89,143 Westerly, RI $90,010

West Kingston, RI $89,743 West Warwick, RI $89,252 Wood River Junction, RI $89,871 Woonsocket, RI $89,852 North Smithfield, RI $89,648 Wyoming, RI $89,779 Providence, RI $89,003 Cranston, RI $89,015

North Providence, RI $89,025 East Providence, RI $89,009 Riverside, RI $89,037 Rumford, RI $89,025 Smithfield, RI $89,205 Johnston, RI $89,055

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	$97,951	$47.0	10%
Financial Services	$93,498	$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

$78,357

Average $89,046/year

$100,436

$6,530

Average $7,420/month

$8,370

$1,507

Average $1,712/week

$1,931

$38

Average $43/hour

$48

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$100,436	$8,370	$1,931	$48
Average	$89,046	$7,420	$1,712	$43
25th Percentile	$78,357	$6,530	$1,507	$38

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