Insurance Agent Salary in Kailua, HI: $76,306 (2026)
Quick Answer:A full-time insurance agent in Kailua, HI earns a median $76,306/year (≈ $36.68/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Kailua's price level (19% above national, BEA RPP 119.3), that paycheck buys what $63,961 would nationally. Nominal pay sits 0.9% below the Hawaii state average.
Based on BLS state-level estimates · View source
In Kailua, Hawaii, the projected median annual salary for an insurance agent in 2026 stands at $76,306, reflecting a robust 18.26% increase compared to the national median of $64,522. Within this market, salaries range from $46,975 at the 10th percentile to $118,274 at the 90th percentile, illustrating significant earning potential depending on one's experience and agency structure. Local estimates, derived from BLS state-level data and regional price adjustments, showcase the diverse earning opportunities available to insurance agents in Kailua. This market is characterized by a mix of captive agents, independent brokers, and commercial firms, each offering different pay structures and incentivizing outcomes, which substantially shapes the compensation landscape for professionals in this field.
About the Kailua Market
Salary estimated from Hawaii average ($62,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $46,975 | $22.58 |
| Lower Range (P25) | $57,655 | $27.72 |
| Median (P50)(typical) | $76,306 | $36.68 |
| Upper Range (P75) | $97,671 | $46.96 |
| Top Earners (P90) | $118,274 | $56.87 |
Median Salary Position
18.26% above the national average
2026 Salary Percentile Distribution in Kailua
In Kailua, HI, the insurance agent salary spread from the 10th to 90th percentile is $71,299 (2026 est.). At $76,306, the local median is 18.26% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Kailua: You'd be in the lower-middle range
How Kailua Insurance Agent Pay Compares
Kailua median: $76,306/year (2026)
| Compared To | Median Salary | Kailua Pays |
|---|---|---|
| Hawaii Average | $76,999 | -0.90% less |
| National Average | $64,522 | +18.26% more |
Insurance Agents in Kailua, HI earn a median of $76,306 per year (2026 est.), which is 18.26% higher than the national median of $64,522 and 0.90% below the Hawaii state average of $76,999.
Cost-of-Living Adjusted Salary
Kailua has a cost of living 19.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Kailua, HI has a cost-of-living index of 119.3 (above the national average of 100). While the nominal salary of $76,306 is competitive, the higher cost of living reduces purchasing power to an effective $63,961 — a 16.18% reduction.
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2019 BLS Actual
$60,243
2025 BLS Actual
$73,654
2026 Current Est.
$76,306
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Kailua (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $60,243 | Actual |
| 2020 | $61,709 | Actual |
| 2021 | $58,942 | Actual |
| 2022 | $68,427 | Actual |
| 2023 | $69,870 | Actual |
| 2024 | $73,323 | Actual |
| 2025 | $73,654 | Actual |
| 2026(current) | $76,306 | Estimated |
| 2027 | $79,053 | Projected |
Based on 7 years of BLS OEWS data for the Kailua metropolitan area, the median insurance agent salary grew 22.3% from $60,243 (2019) to $73,654 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $79,053 by 2027 — a total increase of $18,810 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Kailua 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $46,975 – $57,655 |
| 3-5 years (Mid Career) | $57,655 – $76,306 |
| 5+ years (Experienced) | $76,306 – $97,671 |
| 10+ years (Top Earner) | $97,671 – $118,274 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Kailua
With only six insurance agents currently employed in Kailua, the local job market remains relatively niche, contributing to heightened competition and unique salary dynamics. The cost-of-living index for Kailua is 119.3, indicating that living expenses are higher than the national average, which can affect take-home pay. Captive agents working with single carriers like State Farm and Allstate might experience more stability and initial training compensation, but those willing to operate as independent agents or within larger commercial brokerages can tap into wider client bases and potentially more lucrative commissions, particularly in commercial lines versus personal lines. The variation between lower and higher salaries can often be traced to the size of the agent’s book of business and the inherent profit-sharing arrangements. New agents in Kailua should focus on building robust client relationships and consider pursuing certifications such as CPCU or CIC to enhance their marketability and long-term earning potential.
More salary data for Kailua, HI:
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
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $73,654 for insurance agentsin the Kailua metropolitan area. A 3.60% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Kailua 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