Insurance Agent Hourly Pay in San Antonio, TX: $25.63 (2026)
Quick Answer:Hourly pay for a insurance agent working in San Antonio, TX runs $25.63 at the median for 2026 — annualizing to $53,302 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against San Antonio's regional price level (BEA RPP 94.7, 5% below national), each hour of work buys what $27.06 nationally would. A 24-hour part-time schedule grosses $31,987 per year.
Official BLS data · View source
In San Antonio, the insurance agent hourly pay is projected to reach a median of $25.63 in 2026, which is notably lower than the national hourly median of $31.02. This disparity indicates that those in the insurance sector in Texas may experience different financial dynamics compared to their national counterparts. With an hourly rate that ranges from $18.47 at the entry level to $65.27 for the highest earners, part-time or per-diem agents could find this setting beneficial. A typical schedule of three days a week may yield a consistent income, especially in environments such as captive agent storefronts or independent agency offices where commission structures often play a pivotal role. Additionally, agents engaged in activities such as remote policy quoting or client inspections might also capitalize on more flexible work arrangements, which could enhance their earning potential based on the hours they invest.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.47 | $147.78 |
| Lower Range (P25) | $21.76 | $174.05 |
| Median (P50) | $25.63 | $205.05 |
| Upper Range (P75) | $40.03 | $320.25 |
| Top Earners (P90) | $65.27 | $522.14 |
Estimated Annual Income by Work Schedule in San Antonio
Based on $25.63/hr median hourly rate · 2026 est.
At $25.63/hr, a insurance agent working full-time (40 hr/wk) in San Antonio, TX can expect to earn approximately $53,312 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $30,757. With a cost-of-living index of 94.72 (below the national average), these earnings stretch further in San Antonio.
Hourly Rate Calculator
Schedule Comparison in San Antonio
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,025.23 | $4,443 | $53,312 |
| Part-Time (24 hrs) | $615.14 | $2,666 | $31,987 |
| Per Diem (16 hrs) | $410.09 | $1,777 | $21,325 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (San Antonio) | $25.63 |
| 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 San Antonio, TX earn a median of $53,302 per year (2026 est.), which is 17.39% lower than the national median of $64,522 and 10.10% above the Texas state average of $48,413.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $25.63/hr = $31,987/year (purchasing power: $33,772).
Working 40h/week (full-time) = $53,312/year (purchasing power: $56,286).
CoL index: 94.716 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$19.68/hr
2025 BLS Actual
$24.74/hr
2026 Current Est.
$25.63/hr
2019–2027 Growth
+34.9%
Hourly Rate Trajectory for Insurance Agents in San Antonio (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $19.68/hr | Actual |
| 2020 | $22.20/hr | Actual |
| 2021 | $23.07/hr | Actual |
| 2022 | $17.86/hr | Actual |
| 2023 | $18.34/hr | Actual |
| 2024 | $24.31/hr | Actual |
| 2025 | $24.74/hr | Actual |
| 2026(current) | $25.63/hr | Estimated |
| 2027 | $26.55/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in San Antonio grew 25.7% from $19.68/hr (2019) to $24.74/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $26.55/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 San Antonio 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 San Antonio
Considering the part-time earning potential in the insurance sector, a three-day workweek translates into about 24 hours. This arrangement could yield approximately $31,021 annually, significantly lower compared to a full-time income. Per-diem insurance agent pay in San Antonio often varies due to the commission-driven nature of this profession. While most agents operate under salaried or commission structures, others could explore opportunities such as consulting risk managers who frequently charge $200 to $400 per hour. It's noteworthy that hourly rates can also differ depending on whether agents operate within captive models or independent agencies. The trade-off between accepting lower hourly pay with benefits and higher pay without them is a critical decision for many in the industry. Agents negotiating their terms should consider local industry standards and emphasize their experience or credentials, such as CPCU, to bolster their position in discussions.
More salary data for San Antonio, TX:
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 San Antonio. 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