Insurance Agent Salary in Concord, NH: $65,970 (2026)
Quick Answer:A full-time insurance agent in Concord, NH earns a median $65,970/year (≈ $31.71/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Concord's price level (7% above national, BEA RPP 107.3), that paycheck buys what $61,482 would nationally. Nominal pay sits 4.7% below the New Hampshire state average.
Based on BLS state-level estimates · View source
In 2026, the projected insurance agent salary in Concord, New Hampshire, stands at $65,970, which reflects a modest increase compared to the national median of $64,522. The salary range for insurance agents in this region reveals the breadth of earnings potential, with the lowest 10% earning approximately $41,814 and the top 10% making up to $102,254 annually. Local estimates derived from 2025 BLS state-level data, adjusted for regional pricing differences, indicate that success in this field often correlates with the type of lines an agent specializes in. Agents focusing on commercial or specialty lines can expect significantly higher commissions than those working in personal lines, highlighting the importance of targeting the right market for optimum earnings.
About the Concord Market
Salary estimated from New Hampshire average ($62,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $41,814 | $20.10 |
| Lower Range (P25) | $50,682 | $24.37 |
| Median (P50)(typical) | $65,970 | $31.71 |
| Upper Range (P75) | $84,442 | $40.60 |
| Top Earners (P90) | $102,254 | $49.16 |
Median Salary Position
2.24% above the national average
2026 Salary Percentile Distribution in Concord
In Concord, NH, the insurance agent salary spread from the 10th to 90th percentile is $60,440 (2026 est.). At $65,970, the local median is 2.24% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Concord: You'd be in the lower-middle range
How Concord Insurance Agent Pay Compares
Concord median: $65,970/year (2026)
| Compared To | Median Salary | Concord Pays |
|---|---|---|
| New Hampshire Average | $69,224 | -4.70% less |
| National Average | $64,522 | +2.24% more |
Insurance Agents in Concord, NH earn a median of $65,970 per year (2026 est.), which is 2.24% higher than the national median of $64,522 and 4.70% below the New Hampshire state average of $69,224.
Cost-of-Living Adjusted Salary
Concord has a cost of living 7.30% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Concord, NH has a cost-of-living index of 107.3 (above the national average of 100). While the nominal salary of $65,970 is competitive, the higher cost of living reduces purchasing power to an effective $61,482 — a 6.8% reduction.
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2019 BLS Actual
$52,083
2025 BLS Actual
$63,678
2026 Current Est.
$65,970
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Concord (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $52,083 | Actual |
| 2020 | $53,351 | Actual |
| 2021 | $50,959 | Actual |
| 2022 | $59,159 | Actual |
| 2023 | $60,406 | Actual |
| 2024 | $63,392 | Actual |
| 2025 | $63,678 | Actual |
| 2026(current) | $65,970 | Estimated |
| 2027 | $68,345 | Projected |
Based on 7 years of BLS OEWS data for the Concord metropolitan area, the median insurance agent salary grew 22.3% from $52,083 (2019) to $63,678 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $68,345 by 2027 — a total increase of $16,262 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Concord 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) | $41,814 – $50,682 |
| 3-5 years (Mid Career) | $50,682 – $65,970 |
| 5+ years (Experienced) | $65,970 – $84,442 |
| 10+ years (Top Earner) | $84,442 – $102,254 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Concord
The local job market features 11 insurance agents employed in Concord, pointing to a niche but focused career community. With a cost-of-living index of 107.3, earning potential is tempered slightly by the regional economic realities, making take-home pay a crucial consideration for insurance agents striving to maximize their effectiveness and profit. Employers such as Liberty Mutual and State Farm offer competitive salaries, particularly to captive agents, while independent agencies and large commercial brokerage firms tend to provide higher compensation for those navigating commercial lines. The disparity in earnings between entry-level roles and seasoned agents often stems from differences in book size, as agents with established renewal commissions can significantly enhance their income. Those looking to elevate their insurance agent pay in Concord, NH, would benefit from cultivating a robust client base, exploring opportunities in commercial lines, and pursuing relevant certifications such as the CPCU to enhance their professional credentials.
More salary data for Concord, NH:
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 $63,678 for insurance agentsin the Concord 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 Concord 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