Insurance Agent Hourly Pay in Dayton, OH: $29.60 (2026)
Quick Answer:Hourly pay for a insurance agent working in Dayton, OH runs $29.60 at the median for 2026 — annualizing to $61,559 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Dayton's regional price level (BEA RPP 92.7, 7% below national), each hour of work buys what $31.93 nationally would. A 24-hour part-time schedule grosses $36,939 per year.
Official BLS data · View source
In Dayton, Ohio, the insurance agent hourly pay stands at a median of $29.60, reflecting a slight decrease when compared to the national average of $31.02. This hourly rate provides a beneficial perspective for part-time insurance agents working three days a week, as well as those pursuing per-diem opportunities in various settings such as independent agency offices, captive storefronts, and during remote policy consultations. With an hourly range extending from $17.11 for entry-level positions to $59.04 for seasoned professionals, the landscape showcases diverse earning potentials tailored to individual experience and agency type. Notably, this data is derived from the Bureau of Labor Statistics (BLS) estimates, underscoring the importance of continual research in the evolving insurance market.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $17.11 | $136.92 |
| Lower Range (P25) | $21.75 | $173.97 |
| Median (P50) | $29.60 | $236.79 |
| Upper Range (P75) | $39.56 | $316.52 |
| Top Earners (P90) | $59.04 | $472.33 |
Estimated Annual Income by Work Schedule in Dayton
Based on $29.60/hr median hourly rate · 2026 est.
At $29.60/hr, a insurance agent working full-time (40 hr/wk) in Dayton, OH can expect to earn approximately $61,565 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,518. With a cost-of-living index of 92.69 (below the national average), these earnings stretch further in Dayton.
Hourly Rate Calculator
Schedule Comparison in Dayton
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,183.94 | $5,130 | $61,565 |
| Part-Time (24 hrs) | $710.36 | $3,078 | $36,939 |
| Per Diem (16 hrs) | $473.58 | $2,052 | $24,626 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Dayton) | $29.60 |
| 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 Dayton, OH earn a median of $61,559 per year (2026 est.), which is 4.59% lower than the national median of $64,522 and 0.80% below the Ohio state average of $62,056.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.60/hr = $36,939/year (purchasing power: $39,850).
Working 40h/week (full-time) = $61,565/year (purchasing power: $66,417).
CoL index: 92.694 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$30.20/hr
2025 BLS Actual
$28.57/hr
2026 Current Est.
$29.60/hr
2019–2027 Growth
+1.5%
Hourly Rate Trajectory for Insurance Agents in Dayton (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $30.20/hr | Actual |
| 2020 | $27.77/hr | Actual |
| 2021 | $28.81/hr | Actual |
| 2022 | $25.25/hr | Actual |
| 2023 | $23.39/hr | Actual |
| 2024 | $28.15/hr | Actual |
| 2025 | $28.57/hr | Actual |
| 2026(current) | $29.60/hr | Estimated |
| 2027 | $30.66/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Dayton grew -5.4% from $30.20/hr (2019) to $28.57/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.66/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 Dayton 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 Dayton
Part-time insurance agents in Dayton, working roughly 24 hours a week, can expect to take home approximately $36,076 annually, a substantial contrast to full-time earnings. The common compensation model for insurance agents leans heavily towards commission, making per-diem and 1099 arrangements less frequent. However, some agents, particularly those shifting into consulting or expert witness roles, have the potential to command hourly fees ranging from $200 to $600, indicating the significant variance in pay structures across the industry. Hourly rates for insurance agents can fluctuate based on whether they are employed by captive agents like State Farm or Allstate, independent agencies, or large brokerages focused on commercial lines, which typically yield higher pay. Among these choices, professionals may face a trade-off—choosing between lower hourly pay with benefits versus a higher rate without those perks. In this market, effective negotiation skills become vital to securing a favorable compensation package, especially considering the diverse array of employers and their respective pay scales in Dayton, OH.
More salary data for Dayton, OH:
Frequently Asked Questions
What is the hourly rate for insurance agents in Dayton 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 Dayton. 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