Insurance Agent Salary in Port Huron, MI: $61,995 (2026)
Quick Answer:A full-time insurance agent in Port Huron, MI earns a median $61,995/year (≈ $29.81/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Port Huron's price level (7% below national, BEA RPP 93.2), that paycheck buys what $66,518 would nationally. Nominal pay sits 1.2% below the Michigan state average.
Based on BLS state-level estimates · View source
In 2026, an insurance agent in Port Huron can expect a median annual salary of $61,995, which falls slightly below the national average of $64,522. The salary range for this profession in the area is notable, with entry-level positions starting at $37,879 and experienced agents earning up to $96,093. These figures are derived from BLS state-level data and adjusted for regional factors, offering a comprehensive view of local compensation. Interestingly, the insurance agent salary in Port Huron reflects the ongoing shift in focus between personal lines, which typically yield lower commissions, and higher-paying commercial or specialty lines, where commissions can significantly boost earnings.
About the Port Huron Market
Salary estimated from Michigan average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $37,879 | $18.21 |
| Lower Range (P25) | $46,583 | $22.40 |
| Median (P50)(typical) | $61,995 | $29.81 |
| Upper Range (P75) | $79,353 | $38.16 |
| Top Earners (P90) | $96,093 | $46.20 |
Median Salary Position
3.92% below the national average
2026 Salary Percentile Distribution in Port Huron
In Port Huron, MI, the insurance agent salary spread from the 10th to 90th percentile is $58,214 (2026 est.). At $61,995, the local median is 3.92% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Port Huron: You'd be in the lower-middle range
How Port Huron Insurance Agent Pay Compares
Port Huron median: $61,995/year (2026)
| Compared To | Median Salary | Port Huron Pays |
|---|---|---|
| Michigan Average | $62,748 | -1.20% less |
| National Average | $64,522 | -3.92% less |
Insurance Agents in Port Huron, MI earn a median of $61,995 per year (2026 est.), which is 3.92% lower than the national median of $64,522 and 1.20% below the Michigan state average of $62,748.
Cost-of-Living Adjusted Salary
Port Huron has a cost of living 6.80% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Port Huron, MI has a cost-of-living index of 93.2 (below the national average of 100). A insurance agent earning $61,995 nominally has purchasing power equivalent to $66,518 in an average-cost city — an effective 7.3% boost.
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2019 BLS Actual
$48,945
2025 BLS Actual
$59,841
2026 Current Est.
$61,995
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Port Huron (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $48,945 | Actual |
| 2020 | $50,137 | Actual |
| 2021 | $47,888 | Actual |
| 2022 | $55,594 | Actual |
| 2023 | $56,766 | Actual |
| 2024 | $53,405 | Actual |
| 2025 | $59,841 | Actual |
| 2026(current) | $61,995 | Estimated |
| 2027 | $64,227 | Projected |
Based on 7 years of BLS OEWS data for the Port Huron metropolitan area, the median insurance agent salary grew 22.3% from $48,945 (2019) to $59,841 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $64,227 by 2027 — a total increase of $15,282 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Port Huron 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) | $37,879 – $46,583 |
| 3-5 years (Mid Career) | $46,583 – $61,995 |
| 5+ years (Experienced) | $61,995 – $79,353 |
| 10+ years (Top Earner) | $79,353 – $96,093 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Port Huron
Evaluating the local job market, Port Huron has a modest employment figure of six insurance agents, suggesting a niche environment with limited competition. The cost-of-living index stands at 93.2, below the national average, meaning take-home earnings stretch further in this area. Captive agents with major carriers like State Farm or Allstate generally offer solid salaries, but for optimal earning potential, independent agencies tend to have the edge due to their broader market access and the potential for larger commissions on commercial policies. The disparity in pay can often be attributed to key factors such as the size of the book of business, the nature of lines sold, and the commission structures inherent in agency types. For agents in Port Huron, focusing on developing relationships in commercial lines could yield better returns, alongside seeking additional certification like CPCU to enhance credibility and earning potential in this evolving market.
More salary data for Port Huron, MI:
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 $59,841 for insurance agentsin the Port Huron 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 Port Huron 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