Insurance Agent Salary in Ogden, UT: $47,905 (2026)
Quick Answer:A full-time insurance agent in Ogden, UT earns a median $47,905/year (≈ $23.03/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Ogden's price level (0% above national, BEA RPP 100.3), that paycheck buys what $47,738 would nationally. Nominal pay sits 12.1% below the Utah state average.
Official BLS data · View source
In 2026, insurance agents in Ogden, Utah, can expect a median annual salary of $47,905, which represents a significant difference of 25.75% compared to the national median of $64,522. Salaries in this field range from $38,042 at the 10th percentile to $127,915 at the 90th percentile, showcasing the diversity of compensation based on factors such as experience, clientele, and the complexity of the policies sold. These figures are derived from the latest projections based on 2025 BLS OEWS data. As Ogden's economy continues to grow, fueled by various local industries, the demand for skilled insurance professionals is expected to rise, creating opportunities for those entering the field.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $38,042 | $18.30 |
| Lower Range (P25) | $47,252 | $22.72 |
| Median (P50)(typical) | $47,905 | $23.03 |
| Upper Range (P75) | $79,565 | $38.25 |
| Top Earners (P90) | $127,915 | $61.50 |
Median Salary Position
25.75% below the national average
2026 Salary Percentile Distribution in Ogden
In Ogden, UT, the insurance agent salary spread from the 10th to 90th percentile is $89,873 (2026 est.). At $47,905, the local median is 25.75% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Ogden: You'd be in the entry-level range
How Ogden Insurance Agent Pay Compares
Ogden median: $47,905/year (2026)
| Compared To | Median Salary | Ogden Pays |
|---|---|---|
| Utah Average | $54,499 | -12.10% less |
| National Average | $64,522 | -25.75% less |
Insurance Agents in Ogden, UT earn a median of $47,905 per year (2026 est.), which is 25.75% lower than the national median of $64,522 and 12.10% below the Utah state average of $54,499.
Cost-of-Living Adjusted Salary
Ogden has a cost of living 0.35% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Ogden, UT has a cost-of-living index of 100.349 (above the national average of 100). While the nominal salary of $47,905 is competitive, the higher cost of living reduces purchasing power to an effective $47,738 — a 0.35% reduction.
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2019 BLS Actual
$35,820
2025 BLS Actual
$46,240
2026 Current Est.
$47,905
2019–2027 Growth
+38.6%
Salary Trajectory for Insurance Agents in Ogden (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $35,820 | Actual |
| 2020 | $32,230 | Actual |
| 2021 | $38,240 | Actual |
| 2022 | $37,540 | Actual |
| 2023 | $47,790 | Actual |
| 2024 | $47,200 | Actual |
| 2025 | $46,240 | Actual |
| 2026(current) | $47,905 | Estimated |
| 2027 | $49,629 | Projected |
Based on 7 years of BLS OEWS data for the Ogden metropolitan area, the median insurance agent salary grew 29.1% from $35,820 (2019) to $46,240 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $49,629 by 2027 — a total increase of $13,809 (38.55%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Ogden 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) | $38,042 – $47,252 |
| 3-5 years (Mid Career) | $47,252 – $47,905 |
| 5+ years (Experienced) | $47,905 – $79,565 |
| 10+ years (Top Earner) | $79,565 – $127,915 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Ogden
The job market in Ogden reflects a healthy employment level, with approximately 690 insurance agents actively working in the area. While the cost of living index stands slightly above the national average at 100.349, earning potential varies significantly among insurance agents based on their employer, specialty lines, and agency affiliation. Captive agents working for companies like State Farm and Allstate often benefit from structured salary packages, yet can face limitations on earnings potential, while independent agents and those in commercial lines typically have more lucrative opportunities thanks to renewal commissions and larger accounts. To maximize earnings in Ogden, agents should consider diversifying their book of business and focusing on commercial insurance, where compensation can far exceed that of personal lines. Building a solid client base leads to higher renewal rates, which are critical in this industry.
More salary data for Ogden, 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 $46,240 for insurance agentsin the Ogden 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
Source: BLS, OEWS, 7-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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