San Francisco vs Santa Maria: Insurance Agent Salary (2026)
Compare insurance agent salaries between San Francisco, CA and Santa Maria, CA. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | San Francisco, CA | Santa Maria, CA |
|---|---|---|
| Median Salary | $99,083▲ | $87,014 |
| Hourly Rate | $47.64▲ | $41.83 |
| Entry Level (P10) | $46,154 | $46,962▲ |
| 25th Percentile | $63,838▲ | $63,486 |
| 75th Percentile | $164,444▲ | $98,565 |
| Top Earner (P90) | $212,204▲ | $177,705 |
| Total Employed | 4,860▲ | 350 |
Verdict
San Francisco, CA offers better overall compensation for insurance agents, winning 4 out of 4 metrics compared to Santa Maria.
The salary gap between San Francisco and Santa Maria is $12,069 (13.87%). San Francisco's median is +53.56% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in San Francisco spans $166,050,Santa Maria spans $130,743. San Francisco has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, San Francisco ($85,702 effective) pays 7.16% more than Santa Maria ($79,978 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose San Francisco if…
- ✓Higher median salary ($99,083/year)
- ✓Better top-earner potential ($212,204)
- ✓Larger job market (4,860 employed)
- ✓Better purchasing power (CoL-adjusted: $85,702)
- ✓You prefer the California area and lifestyle
Choose Santa Maria if…
- ✓You prefer the California area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in San Francisco grew 26.9% from 2019 to 2025, compared to 59.2% growth in Santa Maria over the same period.
San Francisco, CA
$75,370 (2019) → $95,640 (2025)
Santa Maria, CA
$52,770 (2019) → $83,990 (2025)
View Full Salary Data
San Francisco, CA
Santa Maria, CA
Frequently Asked Questions
Which city pays insurance agents more: San Francisco or Santa Maria?
What is the hourly rate difference between San Francisco and Santa Maria?
Should I relocate from San Francisco to Santa Maria as a insurance agent?
What do entry-level insurance agents earn in San Francisco vs Santa Maria?
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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