Insurance Agent Salary in Moscow, ID: $59,576 (2026)
Quick Answer:A full-time insurance agent in Moscow, ID earns a median $59,576/year (≈ $28.65/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Moscow's price level (5% below national, BEA RPP 95.3), that paycheck buys what $62,514 would nationally. Nominal pay sits 2.5% below the Idaho state average.
Based on BLS state-level estimates · View source
In 2026, insurance agents in Moscow, ID, can expect a median annual salary of $59,576, which is about 7.67% lower than the national median of $64,522. Salaries for agents in this region vary significantly, ranging from $35,088 at the 10th percentile to $92,343 at the 90th percentile, reflecting the varied nature of personal and commercial lines in the insurance market. These figures are based on 2025 BLS data projected to 2026, adjusted for local cost-of-living considerations. Understanding this salary landscape is crucial for professionals in the insurance field, especially given Moscow's mix of independent agencies and captive carriers, each with different compensation structures that can influence overall earnings.
About the Moscow Market
Salary estimated from Idaho average ($52,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,088 | $16.87 |
| Lower Range (P25) | $43,796 | $21.05 |
| Median (P50)(typical) | $59,576 | $28.65 |
| Upper Range (P75) | $76,258 | $36.66 |
| Top Earners (P90) | $92,343 | $44.39 |
Median Salary Position
7.67% below the national average
2026 Salary Percentile Distribution in Moscow
In Moscow, ID, the insurance agent salary spread from the 10th to 90th percentile is $57,255 (2026 est.). At $59,576, the local median is 7.67% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Moscow: You'd be in the lower-middle range
How Moscow Insurance Agent Pay Compares
Moscow median: $59,576/year (2026)
| Compared To | Median Salary | Moscow Pays |
|---|---|---|
| Idaho Average | $61,104 | -2.50% less |
| National Average | $64,522 | -7.67% less |
Insurance Agents in Moscow, ID earn a median of $59,576 per year (2026 est.), which is 7.67% lower than the national median of $64,522 and 2.50% below the Idaho state average of $61,104.
Cost-of-Living Adjusted Salary
Moscow has a cost of living 4.70% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Moscow, ID has a cost-of-living index of 95.3 (below the national average of 100). A insurance agent earning $59,576 nominally has purchasing power equivalent to $62,514 in an average-cost city — an effective 4.93% boost.
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2019 BLS Actual
$47,035
2025 BLS Actual
$57,506
2026 Current Est.
$59,576
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Moscow (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $47,035 | Actual |
| 2020 | $48,180 | Actual |
| 2021 | $46,020 | Actual |
| 2022 | $53,425 | Actual |
| 2023 | $54,551 | Actual |
| 2024 | $48,317 | Actual |
| 2025 | $57,506 | Actual |
| 2026(current) | $59,576 | Estimated |
| 2027 | $61,721 | Projected |
Based on 7 years of BLS OEWS data for the Moscow metropolitan area, the median insurance agent salary grew 22.3% from $47,035 (2019) to $57,506 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $61,721 by 2027 — a total increase of $14,686 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Moscow 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) | $35,088 – $43,796 |
| 3-5 years (Mid Career) | $43,796 – $59,576 |
| 5+ years (Experienced) | $59,576 – $76,258 |
| 10+ years (Top Earner) | $76,258 – $92,343 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Moscow
Analyzing the job market in Moscow reveals a sweet spot for insurance agent employment, with only six individuals currently working in this role. The cost of living index stands at 95.3, suggesting that agents have a somewhat comfortable purchasing power relative to their compensation, even if it lags behind national averages. Captive agents at companies such as State Farm or Allstate typically receive solid base salaries complemented by commissions, but often face caps on earnings compared to independent agents, who can earn significantly more by managing larger books of business and specializing in commercial lines. Those aiming to maximize their insurance agent pay in Moscow, ID, should consider focusing on expanding their book of business and pursuing opportunities with larger independent agencies or commercial brokerages, which offer better commission structures and higher earning potential over time.
More salary data for Moscow, ID:
Frequently Asked Questions
How much do insurance agents make in Moscow, ID in 2026?
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Can insurance agents make $100K in Moscow?
What is the cost-of-living adjusted insurance agent salary in Moscow?
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Career Resources
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 $57,506 for insurance agentsin the Moscow 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 Moscow 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