Insurance Agent Salary in Highland, UT: $51,264 (2026)
Quick Answer:A full-time insurance agent in Highland, UT earns a median $51,264/year (≈ $24.65/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Highland's price level (2% below national, BEA RPP 98.1), that paycheck buys what $52,257 would nationally. Nominal pay sits 5.9% below the Utah state average.
Based on BLS state-level estimates · View source
In Highland, UT, the projected median annual salary for insurance agents in 2026 is $51,264, which reflects a significant gap compared to the national median of $64,522. The salary range for local agents spans from $30,808 at the 10th percentile to $79,460 at the 90th percentile, indicating a diverse earning potential depending on experience, client base, and type of insurance sold. These figures derive from 2025 BLS data, adjusted for local economic conditions. In a market where the captive agent model, primarily represented by companies like State Farm and Allstate, remains prominent, competition from independent agencies and commercial brokerages is gradually reshaping the landscape. Those positioned within these various structures may notice considerable differences in pay and benefits, with the overall dynamics of the industry continuing to evolve.
About the Highland Market
Salary estimated from Utah average ($55,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $30,808 | $14.81 |
| Lower Range (P25) | $41,201 | $19.81 |
| Median (P50)(typical) | $51,264 | $24.65 |
| Upper Range (P75) | $65,618 | $31.55 |
| Top Earners (P90) | $79,460 | $38.20 |
Median Salary Position
20.55% below the national average
2026 Salary Percentile Distribution in Highland
In Highland, UT, the insurance agent salary spread from the 10th to 90th percentile is $48,652 (2026 est.). At $51,264, the local median is 20.55% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Highland: You'd be in the lower-middle range
How Highland Insurance Agent Pay Compares
Highland median: $51,264/year (2026)
| Compared To | Median Salary | Highland Pays |
|---|---|---|
| Utah Average | $54,479 | -5.90% less |
| National Average | $64,522 | -20.55% less |
Insurance Agents in Highland, UT earn a median of $51,264 per year (2026 est.), which is 20.55% lower than the national median of $64,522 and 5.90% below the Utah state average of $54,479.
Cost-of-Living Adjusted Salary
Highland has a cost of living 1.90% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Highland, UT has a cost-of-living index of 98.1 (below the national average of 100). A insurance agent earning $51,264 nominally has purchasing power equivalent to $52,257 in an average-cost city — an effective 1.94% boost.
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2019 BLS Actual
$40,473
2025 BLS Actual
$49,483
2026 Current Est.
$51,264
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Highland (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $40,473 | Actual |
| 2020 | $41,458 | Actual |
| 2021 | $39,599 | Actual |
| 2022 | $45,971 | Actual |
| 2023 | $46,941 | Actual |
| 2024 | $50,777 | Actual |
| 2025 | $49,483 | Actual |
| 2026(current) | $51,264 | Estimated |
| 2027 | $53,110 | Projected |
Based on 7 years of BLS OEWS data for the Highland metropolitan area, the median insurance agent salary grew 22.3% from $40,473 (2019) to $49,483 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $53,110 by 2027 — a total increase of $12,637 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Highland 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) | $30,808 – $41,201 |
| 3-5 years (Mid Career) | $41,201 – $51,264 |
| 5+ years (Experienced) | $51,264 – $65,618 |
| 10+ years (Top Earner) | $65,618 – $79,460 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Highland
In Highland’s local job market, there are currently only four insurance agents employed, signaling a tight community for professionals in this field. With a cost-of-living index of 98.1, agents can expect a comfortable purchasing power despite the relatively lower salaries compared to the national levels. Captive agents, particularly those with established relationships at prominent firms, often experience higher compensation due to their brand support and client retention. Conversely, independent agents may thrive by leveraging wider policy offerings and commission structures, where larger commercial lines can yield significantly higher payouts compared to personal lines. To maximize earning potential in Highland, agents should focus on building a substantial book of business, cultivating client trust, and exploring opportunities in commercial lines, which often provide greater financial rewards. Furthermore, continued education and obtaining designations such as CPCU can enhance credibility and earning capacity, allowing those in the industry to navigate the competitive landscape effectively.
More salary data for Highland, UT:
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 $49,483 for insurance agentsin the Highland 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 Highland 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