Insurance Agent Salary in Emporia, KS: $54,147 (2026)
Quick Answer:A full-time insurance agent in Emporia, KS earns a median $54,147/year (≈ $26.03/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Emporia's price level (9% below national, BEA RPP 90.9), that paycheck buys what $59,568 would nationally. Nominal pay sits 7.7% below the Kansas state average.
Based on BLS state-level estimates · View source
In 2026, insurance agents in Emporia, Kansas, can expect a median annual salary of $54,147, revealing a noteworthy disparity when compared to the national median of $64,522. Those in this profession can find themselves on a salary spectrum ranging from $35,393 at the lowest decile to $83,927 at the 90th percentile, indicating significant earning potential based on experience and client base. Figures presented here are derived from 2025 BLS data, adjusted for regional economic factors. In Emporia's job market, the structural divide among captive agents, independent agencies, and commercial brokerages significantly influences compensation, reflecting broader trends within the insurance industry.
About the Emporia Market
Salary estimated from Kansas average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,393 | $17.01 |
| Lower Range (P25) | $42,241 | $20.31 |
| Median (P50)(typical) | $54,147 | $26.03 |
| Upper Range (P75) | $69,307 | $33.32 |
| Top Earners (P90) | $83,927 | $40.35 |
Median Salary Position
16.08% below the national average
2026 Salary Percentile Distribution in Emporia
In Emporia, KS, the insurance agent salary spread from the 10th to 90th percentile is $48,534 (2026 est.). At $54,147, the local median is 16.08% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Emporia: You'd be in the lower-middle range
How Emporia Insurance Agent Pay Compares
Emporia median: $54,147/year (2026)
| Compared To | Median Salary | Emporia Pays |
|---|---|---|
| Kansas Average | $58,664 | -7.70% less |
| National Average | $64,522 | -16.08% less |
Insurance Agents in Emporia, KS earn a median of $54,147 per year (2026 est.), which is 16.08% lower than the national median of $64,522 and 7.70% below the Kansas state average of $58,664.
Cost-of-Living Adjusted Salary
Emporia has a cost of living 9.10% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Emporia, KS has a cost-of-living index of 90.9 (below the national average of 100). A insurance agent earning $54,147 nominally has purchasing power equivalent to $59,568 in an average-cost city — an effective 10.01% boost.
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2019 BLS Actual
$42,749
2025 BLS Actual
$52,265
2026 Current Est.
$54,147
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Emporia (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $42,749 | Actual |
| 2020 | $43,789 | Actual |
| 2021 | $41,825 | Actual |
| 2022 | $48,556 | Actual |
| 2023 | $49,580 | Actual |
| 2024 | $48,673 | Actual |
| 2025 | $52,265 | Actual |
| 2026(current) | $54,147 | Estimated |
| 2027 | $56,096 | Projected |
Based on 7 years of BLS OEWS data for the Emporia metropolitan area, the median insurance agent salary grew 22.3% from $42,749 (2019) to $52,265 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $56,096 by 2027 — a total increase of $13,347 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Emporia 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) | $35,393 – $42,241 |
| 3-5 years (Mid Career) | $42,241 – $54,147 |
| 5+ years (Experienced) | $54,147 – $69,307 |
| 10+ years (Top Earner) | $69,307 – $83,927 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Emporia
Currently, there are five insurance agents operating in Emporia, which presents a tight-knit job market that may limit competition but can also indicate stability. The cost of living index in the area is 90.9, meaning that agents’ salaries have to stretch further to meet everyday expenses. Captive agents working for well-known companies like State Farm or Allstate may find higher initial compensation due to robust training programs and sign-on incentives, but their growth potential might be capped. In contrast, independent agents and those at larger commercial brokerages like Aon and Marsh may earn substantially more, particularly in commercial lines where commissions can be five to ten times higher than those from personal lines policies. To optimize earnings, aspiring agents in Emporia should focus on building a diverse book of business that includes both commercial and personal lines and network with current agents to understand client needs and market dynamics.
More salary data for Emporia, KS:
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 $52,265 for insurance agentsin the Emporia 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 Emporia 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