Insurance Agent Hourly Pay in Kingston, NY: $33.73 (2026)
Quick Answer:Hourly pay for a insurance agent working in Kingston, NY runs $33.73 at the median for 2026 — annualizing to $70,168 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Kingston's regional price level (BEA RPP 100.7, 1% above national), each hour of work buys what $33.49 nationally would. A 24-hour part-time schedule grosses $42,098 per year.
Official BLS data · View source
In Kingston, NY, insurance agents earn a median hourly pay of $33.73, which is significantly above the national median of $31.02. This difference reflects the competitive market for insurance services in the area. The hourly rate allows for varied work schedules, making it an attractive option for part-time workers balancing other commitments, such as those working three days a week or looking for per diem roles. The hourly pay for entry-level agents starts at around $23.72, but it can go as high as $51.53 for the most experienced professionals. These figures are based on official Bureau of Labor Statistics data projected for 2026, showcasing the value of insurance agents' skills in different settings like captive agency storefronts or independent agency offices.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $23.72 | $189.80 |
| Lower Range (P25) | $25.06 | $200.49 |
| Median (P50) | $33.73 | $269.86 |
| Upper Range (P75) | $37.54 | $300.36 |
| Top Earners (P90) | $51.53 | $412.25 |
Estimated Annual Income by Work Schedule in Kingston
Based on $33.73/hr median hourly rate · 2026 est.
At $33.73/hr, a insurance agent working full-time (40 hr/wk) in Kingston, NY can expect to earn approximately $70,163 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $40,479. With a cost-of-living index of 100.71 (above the national average), these earnings may be offset by higher expenses in Kingston.
Hourly Rate Calculator
Schedule Comparison in Kingston
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,349.29 | $5,847 | $70,163 |
| Part-Time (24 hrs) | $809.57 | $3,508 | $42,098 |
| Per Diem (16 hrs) | $539.71 | $2,339 | $28,065 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Kingston) | $33.73 |
| 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 Kingston, NY earn a median of $70,168 per year (2026 est.), which is 8.75% higher than the national median of $64,522 and 5.60% above the New York state average of $66,447.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $33.73/hr = $42,098/year (purchasing power: $41,801).
Working 40h/week (full-time) = $70,163/year (purchasing power: $69,669).
CoL index: 100.709 (100 = national average).
2019 BLS Actual
$26.66/hr
2025 BLS Actual
$32.56/hr
2026 Current Est.
$33.73/hr
2019–2027 Growth
+31.1%
Hourly Rate Trajectory for Insurance Agents in Kingston (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $26.66/hr | Actual |
| 2020 | $27.28/hr | Actual |
| 2021 | $29.55/hr | Actual |
| 2022 | $31.43/hr | Actual |
| 2023 | $35.63/hr | Actual |
| 2024 | $23.45/hr | Actual |
| 2025 | $32.56/hr | Actual |
| 2026(current) | $33.73/hr | Estimated |
| 2027 | $34.95/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Kingston grew 22.1% from $26.66/hr (2019) to $32.56/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $34.95/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 Kingston 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 Kingston
Part-time insurance agents in Kingston who work approximately 24 hours a week could expect to earn around $41,811 annually, contrasting with the earnings of full-time counterparts. While the per diem model is less common in this field, the financial structure of the industry tends to favor commission-based compensation, which can vary widely. Specialized roles, such as consulting risk managers with CPCU credentials, can charge between $200 and $400 per hour, while expert witnesses in coverage disputes often see rates between $300 and $600 per hour. Hourly rates can fluctuate significantly based on employer type; captive agents at major carriers might earn less compared to those in independent agencies or larger brokerage firms focused on commercial lines, where compensation tends to be higher. Additionally, insurance agents often need to weigh the trade-offs between accepting lower hourly rates that include benefits versus seeking higher pay without those perks. For those in Kingston, negotiating effectively with prospective employers can lead to better opportunities based on the unique dynamics of the local insurance market.
More salary data for Kingston, NY:
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 Kingston. 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, 6-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