Champaign vs Chicago: Insurance Agent Salary (2026)
Compare insurance agent salaries between Champaign, IL and Chicago, IL. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Champaign, IL | Chicago, IL |
|---|---|---|
| Median Salary | $54,960 | $71,733▲ |
| Hourly Rate | $26.43 | $34.49▲ |
| Entry Level (P10) | $39,865▲ | $38,487 |
| 25th Percentile | $45,543 | $49,624▲ |
| 75th Percentile | $73,193 | $104,108▲ |
| Top Earner (P90) | $138,710 | $169,697▲ |
| Total Employed | 100 | 11,870▲ |
Verdict
Chicago, IL offers better overall compensation for insurance agents, winning 4 out of 4 metrics compared to Champaign.
The salary gap between Champaign and Chicago is $16,773 (30.52%). Chicago's median is +11.18% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Champaign spans $98,845,Chicago spans $131,210. Chicago has a wider pay range, suggesting more variation in pay between entry-level and experienced insurance agents.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Chicago ($69,244 effective) pays 16.80% more than Champaign ($59,285 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Champaign if…
- ✓You prefer the Illinois area and lifestyle
Choose Chicago if…
- ✓Higher median salary ($71,733/year)
- ✓Better top-earner potential ($169,697)
- ✓Larger job market (11,870 employed)
- ✓Better purchasing power (CoL-adjusted: $69,244)
- ✓You prefer the Illinois area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Champaign grew 11.8% from 2019 to 2025, compared to 24.7% growth in Chicago over the same period.
Champaign, IL
$47,460 (2019) → $53,050 (2025)
Chicago, IL
$55,520 (2019) → $69,240 (2025)
View Full Salary Data
Champaign, IL
Chicago, IL
Frequently Asked Questions
Which city pays insurance agents more: Champaign or Chicago?
What is the hourly rate difference between Champaign and Chicago?
Should I relocate from Champaign to Chicago as a insurance agent?
What do entry-level insurance agents earn in Champaign vs Chicago?
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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
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.60% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov