Insurance Agent Hourly Pay in Jackson, MI: $22.45 (2026)
Quick Answer:Hourly pay for a insurance agent working in Jackson, MI runs $22.45 at the median for 2026 — annualizing to $46,703 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Jackson's regional price level (BEA RPP 91.8, 8% below national), each hour of work buys what $24.46 nationally would. A 24-hour part-time schedule grosses $28,018 per year.
Official BLS data · View source
In Jackson, Michigan, the projected median hourly pay for insurance agents is $22.45, which falls significantly below the national median of $31.02. This difference suggests a potential challenge for those seeking part-time roles, as consistently working three days a week for approximately 24 hours would yield just over $26,000 annually. The hourly pay range for insurance agents in Jackson varies, with entry-level positions starting at around $15.60 and experienced professionals earning up to $51.65. This hourly data, sourced from projections based on 2025 BLS OEWS data, reflects typical working environments including captive storefronts, independent agency offices, and remote quoting positions, providing a mixed landscape for both full-time and per-diem insurance agents.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $15.60 | $124.82 |
| Lower Range (P25) | $15.67 | $125.40 |
| Median (P50) | $22.45 | $179.60 |
| Upper Range (P75) | $35.91 | $287.26 |
| Top Earners (P90) | $51.65 | $413.24 |
Estimated Annual Income by Work Schedule in Jackson
Based on $22.45/hr median hourly rate · 2026 est.
At $22.45/hr, a insurance agent working full-time (40 hr/wk) in Jackson, MI can expect to earn approximately $46,696 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $26,940. With a cost-of-living index of 91.78 (below the national average), these earnings stretch further in Jackson.
Hourly Rate Calculator
Schedule Comparison in Jackson
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $898.00 | $3,891 | $46,696 |
| Part-Time (24 hrs) | $538.80 | $2,335 | $28,018 |
| Per Diem (16 hrs) | $359.20 | $1,557 | $18,678 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Jackson) | $22.45 |
| 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 Jackson, MI earn a median of $46,703 per year (2026 est.), which is 27.62% lower than the national median of $64,522 and 25.60% below the Michigan state average of $62,773.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $22.45/hr = $28,018/year (purchasing power: $30,527).
Working 40h/week (full-time) = $46,696/year (purchasing power: $50,879).
CoL index: 91.779 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$23.78/hr
2025 BLS Actual
$21.67/hr
2026 Current Est.
$22.45/hr
2019–2027 Growth
+-2.2%
Hourly Rate Trajectory for Insurance Agents in Jackson (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.78/hr | Actual |
| 2020 | $23.91/hr | Actual |
| 2021 | $23.30/hr | Actual |
| 2022 | $26.87/hr | Actual |
| 2023 | $23.87/hr | Actual |
| 2024 | $22.90/hr | Actual |
| 2025 | $21.67/hr | Actual |
| 2026(current) | $22.45/hr | Estimated |
| 2027 | $23.26/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Jackson grew -8.9% from $23.78/hr (2019) to $21.67/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $23.26/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 Jackson 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 Jackson
With a growth rate of 3.60% projected annually, part-time insurance agents generally earn less when compared to their full-time counterparts. An agent working 24 hours a week would net significantly less than one employed full-time, affecting their ability to secure benefits. While most insurance compensation is commission-based, freelancers and per-diem agents may encounter varied pay structures that aren't as common in this field. Captive agents at established carriers like State Farm and Allstate often have stable but lower hourly compensation compared to those in independent agencies or commercial brokerages where pay can be much higher. While accepting a lower hourly rate might come with health benefits, agents should carefully weigh this trade-off against their long-term financial goals. Furthermore, those negotiating compensation should recognize the value of additional certifications, like CPCU, and be prepared to discuss how their skills can align with the specific needs of potential employers in the Jackson area.
More salary data for Jackson, MI:
Frequently Asked Questions
What is the hourly rate for insurance agents in Jackson in 2026?
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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 Jackson. 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