Insurance Agent Hourly Pay in Ruston, LA: $24.01 (2026)
Quick Answer:Hourly pay for a insurance agent working in Ruston, LA runs $24.01 at the median for 2026 — annualizing to $49,941 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Ruston's regional price level (BEA RPP 90.3, 10% below national), each hour of work buys what $26.59 nationally would. A 24-hour part-time schedule grosses $29,970 per year.
Based on BLS state-level estimates · View source
In Ruston, the projected median hourly pay for an insurance agent stands at $24.01, which is notably lower than the national median of $31.02. This wage reflects the market dynamics specific to Louisiana, offering both opportunities and challenges for insurance professionals. For those considering part-time work, especially the typical 3-day/week schedule, the earnings could equate to a manageable income while balancing other commitments. Entry-level agents working at captive storefronts or independent agencies can expect to earn around $15.32 per hour, while top earners may exceed $37.21, representing a diverse spectrum of compensation potential in various settings, from commercial brokerage floors to virtual policy consultations. The hourly rates presented here are based on estimates derived from annual salary data, painting a picture of the financial landscape for insurance agents in the region.
About the Ruston Market
Salary estimated from Louisiana average ($55,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $15.32 | $122.58 |
| Lower Range (P25) | $18.46 | $147.69 |
| Median (P50) | $24.01 | $192.12 |
| Upper Range (P75) | $30.74 | $245.90 |
| Top Earners (P90) | $37.21 | $297.70 |
Estimated Annual Income by Work Schedule in Ruston
Based on $24.01/hr median hourly rate · 2026 est.
At $24.01/hr, a insurance agent working full-time (40 hr/wk) in Ruston, LA can expect to earn approximately $49,950 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $28,817. With a cost-of-living index of 90.30 (below the national average), these earnings stretch further in Ruston.
Hourly Rate Calculator
Schedule Comparison in Ruston
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $960.58 | $4,163 | $49,950 |
| Part-Time (24 hrs) | $576.35 | $2,498 | $29,970 |
| Per Diem (16 hrs) | $384.23 | $1,665 | $19,980 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Ruston) | $24.01 |
| 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 Ruston, LA earn a median of $49,941 per year (2026 est.), which is 22.60% lower than the national median of $64,522 and 3.80% below the Louisiana state average of $51,914.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $24.01/hr = $29,970/year (purchasing power: $33,189).
Working 40h/week (full-time) = $49,950/year (purchasing power: $55,316).
CoL index: 90.3 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$18.96/hr
2025 BLS Actual
$23.18/hr
2026 Current Est.
$24.01/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Ruston (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $18.96/hr | Actual |
| 2020 | $19.42/hr | Actual |
| 2021 | $18.55/hr | Actual |
| 2022 | $21.53/hr | Actual |
| 2023 | $21.99/hr | Actual |
| 2024 | $22.96/hr | Actual |
| 2025 | $23.18/hr | Actual |
| 2026(current) | $24.01/hr | Estimated |
| 2027 | $24.88/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Ruston grew 22.3% from $18.96/hr (2019) to $23.18/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $24.88/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 Ruston 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 Ruston
The potential for part-time workers in Ruston can lead to varying annual incomes compared to their full-time counterparts. Taking a three-day workweek with 24 hours, an insurance agent may earn around $27,616 annually, which may be sufficient for supplemental income. However, many insurance agents rely on commission-based structures, which complicate per-diem or 1099 options, as they are less common in this field. Instead, consulting roles, especially for risk managers and expert witnesses in coverage disputes, can command significantly higher pay rates ranging from $200 to $600 per hour, depending on expertise. Geographic and market differences affect compensation; captive agents often earn lower hourly rates and may offer health benefits, while independent agents might seek higher pay without benefits. Negotiation can be vital, particularly in a competitive market like Ruston, where agents should emphasize their credentials, such as CPCU or CIC, to secure better hourly compensation.
More salary data for Ruston, LA:
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 Ruston. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Salary data for Ruston is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
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