Insurance Agent Hourly Pay in Winona, MN: $30.78 (2026)
Quick Answer:Hourly pay for a insurance agent working in Winona, MN runs $30.78 at the median for 2026 — annualizing to $64,013 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Winona's regional price level (BEA RPP 98.5, 1% below national), each hour of work buys what $31.25 nationally would. A 24-hour part-time schedule grosses $38,413 per year.
Based on BLS state-level estimates · View source
Insurance agents in Winona, Minnesota, earn a median hourly rate of $30.78, slightly below the national median of $31.02. This compensation structure reflects the diverse work environments in which agents operate, such as captive agent storefronts for companies like State Farm, independent agency offices, and commercial brokerage settings. For part-time insurance agents working three days a week, annual earnings can vary significantly based on hours worked and commission structures. The hourly pay ranges from $19.24 for entry-level positions to $47.70 for highly experienced agents, indicating a broad spectrum of potential earnings within this profession. This hourly rate is derived from annual salary data, demonstrating the income potential available for those both new and seasoned in the industry.
About the Winona Market
Salary estimated from Minnesota average ($68,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $19.24 | $153.91 |
| Lower Range (P25) | $23.44 | $187.56 |
| Median (P50) | $30.78 | $246.24 |
| Upper Range (P75) | $39.39 | $315.11 |
| Top Earners (P90) | $47.70 | $381.58 |
Estimated Annual Income by Work Schedule in Winona
Based on $30.78/hr median hourly rate · 2026 est.
At $30.78/hr, a insurance agent working full-time (40 hr/wk) in Winona, MN can expect to earn approximately $64,021 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $36,935. With a cost-of-living index of 98.50 (below the national average), these earnings stretch further in Winona.
Hourly Rate Calculator
Schedule Comparison in Winona
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,231.18 | $5,335 | $64,021 |
| Part-Time (24 hrs) | $738.71 | $3,201 | $38,413 |
| Per Diem (16 hrs) | $492.47 | $2,134 | $25,609 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Winona) | $30.78 |
| 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 Winona, MN earn a median of $64,013 per year (2026 est.), which is 0.79% lower than the national median of $64,522 and 5.20% below the Minnesota state average of $67,525.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $30.78/hr = $38,413/year (purchasing power: $38,998).
Working 40h/week (full-time) = $64,021/year (purchasing power: $64,996).
CoL index: 98.5 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$24.30/hr
2025 BLS Actual
$29.71/hr
2026 Current Est.
$30.78/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Winona (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.30/hr | Actual |
| 2020 | $24.89/hr | Actual |
| 2021 | $23.78/hr | Actual |
| 2022 | $27.60/hr | Actual |
| 2023 | $28.18/hr | Actual |
| 2024 | $30.52/hr | Actual |
| 2025 | $29.71/hr | Actual |
| 2026(current) | $30.78/hr | Estimated |
| 2027 | $31.89/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Winona grew 22.3% from $24.30/hr (2019) to $29.71/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $31.89/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 Winona 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 Winona
Part-time insurance agents working around 24 hours per week can expect to take home a considerably lower annual income than their full-time counterparts, making it critical to assess the benefits of such arrangements. While per-diem insurance agent pay in Winona may include opportunities for flexible work, this structure is not the norm, as most agents typically work on a commission basis. For specialized roles, such as consulting or expert witness duties, hourly rates can soar, with compensation for risk managers averaging between $200 and $400 per hour. Employer types greatly influence hourly rates, where captive agents may work for a fixed salary, while independent agencies and large commercial brokers provide varied pay scales aimed at performance and commissions. Agents may elect for lower hourly wages in exchange for health benefits, particularly in the current employment climate. Negotiation can be key, so agents should be prepared to discuss hourly rates that reflect their skills and industry experience while also weighing the value of additional perks that employers provide.
More salary data for Winona, MN:
Frequently Asked Questions
What is the hourly rate for insurance agents in Winona in 2026?
How much do part-time insurance agents make in Winona?
Are insurance agents in Winona paid hourly or salary?
How much does a full-time insurance agent make per year in Winona?
Do insurance agents earn more per hour working part-time in Winona?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Minnesota
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 Winona. 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 Winona 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