Insurance Agent Hourly Pay in Fort Collins, CO: $28.25 (2026)
Quick Answer:Hourly pay for a insurance agent working in Fort Collins, CO runs $28.25 at the median for 2026 — annualizing to $58,772 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Fort Collins's regional price level (BEA RPP 101.1, 1% above national), each hour of work buys what $27.94 nationally would. A 24-hour part-time schedule grosses $35,258 per year.
Official BLS data · View source
In Fort Collins, Colorado, the insurance agent hourly pay is projected to be $28.25 in 2026, which falls below the national median hourly rate of $31.02. This discrepancy may impact part-time professionals who work about three days a week, limiting their potential earnings. Many insurance agents find employment in a range of environments, from captive agent storefronts to independent agency offices and corporate brokerage settings. The hourly rate can vary significantly, ranging from $18.22 for entry-level positions to $55.01 for top earners, reflecting the competitive nature of the industry. The data indicating these hourly figures is based on 2025 BLS OEWS data, projected to 2026, and serves as a helpful benchmark for those considering a career in this field.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.22 | $145.79 |
| Lower Range (P25) | $19.86 | $158.88 |
| Median (P50) | $28.25 | $226.01 |
| Upper Range (P75) | $37.59 | $300.69 |
| Top Earners (P90) | $55.01 | $440.09 |
Estimated Annual Income by Work Schedule in Fort Collins
Based on $28.25/hr median hourly rate · 2026 est.
At $28.25/hr, a insurance agent working full-time (40 hr/wk) in Fort Collins, CO can expect to earn approximately $58,764 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $33,902. With a cost-of-living index of 101.13 (above the national average), these earnings may be offset by higher expenses in Fort Collins.
Hourly Rate Calculator
Schedule Comparison in Fort Collins
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,130.07 | $4,897 | $58,764 |
| Part-Time (24 hrs) | $678.04 | $2,938 | $35,258 |
| Per Diem (16 hrs) | $452.03 | $1,959 | $23,505 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Fort Collins) | $28.25 |
| Real Estate Sales Agent (National Avg) | $32.36 |
| Personal Financial Advisor (National Avg) | $51.62 |
| Insurance Underwriter (National Avg) | $37.70 |
| Claims Adjuster (National Avg) | $35.30 |
Insurance Agents in Fort Collins, CO earn a median of $58,772 per year (2026 est.), which is 8.91% lower than the national median of $64,522 and 3.30% below the Colorado state average of $60,778.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $28.25/hr = $35,258/year (purchasing power: $34,865).
Working 40h/week (full-time) = $58,764/year (purchasing power: $58,108).
CoL index: 101.128 (100 = national average).
2019 BLS Actual
$20.77/hr
2025 BLS Actual
$27.27/hr
2026 Current Est.
$28.25/hr
2019–2027 Growth
+40.9%
Hourly Rate Trajectory for Insurance Agents in Fort Collins (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $20.77/hr | Actual |
| 2020 | $22.84/hr | Actual |
| 2021 | $23.35/hr | Actual |
| 2022 | $21.90/hr | Actual |
| 2023 | $23.81/hr | Actual |
| 2024 | $23.65/hr | Actual |
| 2025 | $27.27/hr | Actual |
| 2026(current) | $28.25/hr | Estimated |
| 2027 | $29.27/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Fort Collins grew 31.3% from $20.77/hr (2019) to $27.27/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $29.27/hr by 2027. Part-time and per-diem insurance agents can use this multi-year trend to benchmark future contract negotiations.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fort Collins metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 3.60% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Working as an Hourly Insurance Agent in Fort Collins
For a part-time insurance agent in Fort Collins working a typical 24-hour week, annual compensation can yield around $35,280, which highlights the importance of full-time work for maximizing earnings. The landscape of per-diem insurance agent pay Fort Collins is less favorable, as most compensation structures in the industry are commission-based rather than hourly, complicating the financial outlook for those in non-traditional roles. Notably, different employer types can influence hourly rates significantly; captive agents often earn less than those at large brokerages or independent agencies, particularly in commercial insurance, where pay is notably higher. Agents may need to weigh the benefits of lower hourly rates in roles with health insurance benefits against higher pay opportunities without such perks. When negotiating, agents should be prepared to discuss their credentials and experience, especially if holding or pursuing CPCU or other professional designations, as this can justify a higher hourly rate in a competitive market like Fort Collins.
More salary data for Fort Collins, CO:
Frequently Asked Questions
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Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
Hourly wage figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. A 3.60% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to estimate current 2026 hourly rates for insurance agents in Fort Collins. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Source: BLS, OEWS, 7-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 3.60%, derived from historical BLS wage trends for insurance agents (SOC 41-3021).
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov