Insurance Agent Hourly Pay in Hartford, CT: $38.17 (2026)
Quick Answer:Hourly pay for a insurance agent working in Hartford, CT runs $38.17 at the median for 2026 — annualizing to $79,378 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Hartford's regional price level (BEA RPP 102.7, 3% above national), each hour of work buys what $37.15 nationally would. A 24-hour part-time schedule grosses $47,631 per year.
Official BLS data · View source
In Hartford, Connecticut, the insurance agent hourly pay reflects a robust compensation structure, with a median hourly rate of $38.17. This figure outpaces the national median hourly rate of $31.02 by a notable 23.02%, indicating that insurance agents in Hartford benefit from higher earnings than their counterparts across the country. For part-time workers, such as those operating three days a week, the potential for earnings becomes compelling, enabling sustainable living and lifestyle choices. The hourly pay range in Hartford spans from $25.04 at the 10th percentile to $80.53 at the 90th percentile, allowing for significant income variability based on experience and specialization in commercial or personal lines. These salary figures are derived from the official Bureau of Labor Statistics data, emphasizing the economic opportunities in the region for insurance professionals.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $25.04 | $200.32 |
| Lower Range (P25) | $27.97 | $223.78 |
| Median (P50) | $38.17 | $305.33 |
| Upper Range (P75) | $51.71 | $413.65 |
| Top Earners (P90) | $80.53 | $644.23 |
Estimated Annual Income by Work Schedule in Hartford
Based on $38.17/hr median hourly rate · 2026 est.
At $38.17/hr, a insurance agent working full-time (40 hr/wk) in Hartford, CT can expect to earn approximately $79,386 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $45,799. With a cost-of-living index of 102.75 (above the national average), these earnings may be offset by higher expenses in Hartford.
Hourly Rate Calculator
Schedule Comparison in Hartford
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,526.65 | $6,615 | $79,386 |
| Part-Time (24 hrs) | $915.99 | $3,969 | $47,631 |
| Per Diem (16 hrs) | $610.66 | $2,646 | $31,754 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Hartford) | $38.17 |
| 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 Hartford, CT earn a median of $79,378 per year (2026 est.), which is 23.02% higher than the national median of $64,522 and 0.70% above the Connecticut state average of $78,827.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $38.17/hr = $47,631/year (purchasing power: $46,358).
Working 40h/week (full-time) = $79,386/year (purchasing power: $77,264).
CoL index: 102.746 (100 = national average).
2019 BLS Actual
$29.57/hr
2025 BLS Actual
$36.84/hr
2026 Current Est.
$38.17/hr
2019–2027 Growth
+33.7%
Hourly Rate Trajectory for Insurance Agents in Hartford (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $29.57/hr | Actual |
| 2020 | $31.48/hr | Actual |
| 2021 | $29.86/hr | Actual |
| 2022 | $37.67/hr | Actual |
| 2023 | $36.29/hr | Actual |
| 2024 | $38.39/hr | Actual |
| 2025 | $36.84/hr | Actual |
| 2026(current) | $38.17/hr | Estimated |
| 2027 | $39.54/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Hartford grew 24.6% from $29.57/hr (2019) to $36.84/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $39.54/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 Hartford 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 Hartford
Focusing on the potential for part-time work, an insurance agent committing to a typical 24-hour workweek can still achieve a respectable annual income, making this profession attractive for individuals seeking flexibility. However, it's crucial to recognize that much of the compensation in this field stems from commission-based structures. Although per diem opportunities are less common, there is a separate niche for risk managers who can command billing rates ranging from $200 to $400 per hour, and even expert witnesses can earn between $300 and $600 per hour in coverage disputes. Hourly rates vary notably from employer to employer; those in captive positions might earn lower rates compared to agents in independent agencies or large commercial brokerages, where specialized knowledge is more highly compensated. While some insurance agents might opt for roles with lower hourly wages in exchange for job benefits such as health insurance, others may prefer higher hourly pay without benefits, leading to unique negotiation scenarios. For those navigating the insurance agent hourly rate CT market, being informed of these dynamics can be pivotal in maximizing earnings potential based on personal circumstances and market conditions.
More salary data for Hartford, CT:
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 Hartford. 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