Insurance Agent Salary in Roseville, MI: $61,124 (2026)
Quick Answer:A full-time insurance agent in Roseville, MI earns a median $61,124/year (≈ $29.39/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Roseville's price level (7% below national, BEA RPP 93.2), that paycheck buys what $65,584 would nationally. Nominal pay sits 2.6% below the Michigan state average.
Based on BLS state-level estimates · View source
Insurance agents in Roseville, Michigan, are projected to earn a median annual salary of $61,124 in 2026, which is approximately 5.27% lower than the national median of $64,522 for the same year. This figure reflects a diverse employment landscape that includes captive agents from well-known brands like State Farm and Allstate, as well as independent and commercial brokerage models. The salary range for insurance agents in Roseville spans from $35,838 at the lower tenth percentile to $94,742 at the upper ninetieth percentile. Such salary estimates are derived from BLS state-level data, incorporating regional cost-of-living adjustments that indicate a competitive but nuanced market for insurance agent compensation.
About the Roseville Market
Salary estimated from Michigan average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,838 | $17.23 |
| Lower Range (P25) | $44,862 | $21.57 |
| Median (P50)(typical) | $61,124 | $29.39 |
| Upper Range (P75) | $78,239 | $37.62 |
| Top Earners (P90) | $94,742 | $45.55 |
Median Salary Position
5.27% below the national average
2026 Salary Percentile Distribution in Roseville
In Roseville, MI, the insurance agent salary spread from the 10th to 90th percentile is $58,904 (2026 est.). At $61,124, the local median is 5.27% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Roseville: You'd be in the lower-middle range
How Roseville Insurance Agent Pay Compares
Roseville median: $61,124/year (2026)
| Compared To | Median Salary | Roseville Pays |
|---|---|---|
| Michigan Average | $62,756 | -2.60% less |
| National Average | $64,522 | -5.27% less |
Insurance Agents in Roseville, MI earn a median of $61,124 per year (2026 est.), which is 5.27% lower than the national median of $64,522 and 2.60% below the Michigan state average of $62,756.
Cost-of-Living Adjusted Salary
Roseville 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.
Roseville, MI has a cost-of-living index of 93.2 (below the national average of 100). A insurance agent earning $61,124 nominally has purchasing power equivalent to $65,584 in an average-cost city — an effective 7.3% boost.
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2019 BLS Actual
$48,257
2025 BLS Actual
$59,000
2026 Current Est.
$61,124
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Roseville (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $48,257 | Actual |
| 2020 | $49,432 | Actual |
| 2021 | $47,215 | Actual |
| 2022 | $54,813 | Actual |
| 2023 | $55,969 | Actual |
| 2024 | $52,655 | Actual |
| 2025 | $59,000 | Actual |
| 2026(current) | $61,124 | Estimated |
| 2027 | $63,324 | Projected |
Based on 7 years of BLS OEWS data for the Roseville metropolitan area, the median insurance agent salary grew 22.3% from $48,257 (2019) to $59,000 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $63,324 by 2027 — a total increase of $15,067 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Roseville 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) | $35,838 – $44,862 |
| 3-5 years (Mid Career) | $44,862 – $61,124 |
| 5+ years (Experienced) | $61,124 – $78,239 |
| 10+ years (Top Earner) | $78,239 – $94,742 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Roseville
The job market for insurance agents in Roseville presently employs 11 individuals, highlighting a niche sector within the local economy. With a cost-of-living index of 93.2, agents in Roseville can expect their take-home pay to stretch further compared to national averages, providing a slightly enhanced purchasing power. The highest salaries in the area are generally offered by captive insurance agencies, particularly those with robust training and onboarding processes, while independent agencies and commercial brokerages may provide higher long-term earning potential through commission structures and growth opportunities. The disparity in pay is influenced by factors such as the size of the book of business, types of lines sold (with commercial policies commanding significantly higher commissions than personal lines), and the potential for equity ownership in independent agencies. For those seeking to maximize earnings, focusing on building a strong renewal commission base and cultivating a commercial client portfolio can prove beneficial in the Roseville market.
More salary data for Roseville, 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 $59,000 for insurance agentsin the Roseville 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 Roseville 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