Insurance Agent Hourly Pay in Daly City, CA: $33.50 (2026)
Quick Answer:Hourly pay for a insurance agent working in Daly City, CA runs $33.50 at the median for 2026 — annualizing to $69,679 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Daly City's regional price level (BEA RPP 113.1, 13% above national), each hour of work buys what $29.62 nationally would. A 24-hour part-time schedule grosses $41,813 per year.
Based on BLS state-level estimates · View source
In Daly City, California, insurance agents command a median hourly rate of $33.50, notably higher than the national hourly median of $31.02. This advantageous rate expands the earning potential for part-time workers, allowing those employed for three days a week (approximately 24 hours) to generate a respectable monthly income. Insurance agents in this market typically work in various environments, including independent agency offices and commercial brokerage floors, along with conducting client visits for policy inspections or utilizing remote platforms for quoting. Entry-level positions start at an hourly rate of $19.43, while top earners can achieve rates up to $51.92 per hour, illustrating a diverse opportunity for agents at different stages of their careers. These figures are estimated based on annual salary data projected for 2026, reflecting the evolving dynamics of the insurance industry in Daly City.
About the Daly City Market
Salary estimated from California average ($82,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $19.43 | $155.40 |
| Lower Range (P25) | $24.45 | $195.60 |
| Median (P50) | $33.50 | $268.03 |
| Upper Range (P75) | $42.88 | $343.04 |
| Top Earners (P90) | $51.92 | $415.39 |
Estimated Annual Income by Work Schedule in Daly City
Based on $33.50/hr median hourly rate · 2026 est.
At $33.50/hr, a insurance agent working full-time (40 hr/wk) in Daly City, CA can expect to earn approximately $69,689 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $40,205. With a cost-of-living index of 113.10 (above the national average), these earnings may be offset by higher expenses in Daly City.
Hourly Rate Calculator
Schedule Comparison in Daly City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,340.17 | $5,807 | $69,689 |
| Part-Time (24 hrs) | $804.10 | $3,484 | $41,813 |
| Per Diem (16 hrs) | $536.07 | $2,323 | $27,876 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Daly City) | $33.50 |
| Real Estate Sales Agent (National Avg) | $32.36 |
| Personal Financial Advisor (National Avg) | $51.62 |
| Insurance Underwriter (National Avg) | $37.70 |
| Claims Adjuster (National Avg) | $35.30 |
Insurance Agents in Daly City, CA earn a median of $69,679 per year (2026 est.), which is 7.99% higher than the national median of $64,522 and 2.60% above the California state average of $67,914.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $33.50/hr = $41,813/year (purchasing power: $36,970).
Working 40h/week (full-time) = $69,689/year (purchasing power: $61,617).
CoL index: 113.1 (100 = national average).
2019 BLS Actual
$26.45/hr
2025 BLS Actual
$32.34/hr
2026 Current Est.
$33.50/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Daly City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $26.45/hr | Actual |
| 2020 | $27.10/hr | Actual |
| 2021 | $25.88/hr | Actual |
| 2022 | $30.04/hr | Actual |
| 2023 | $30.68/hr | Actual |
| 2024 | $45.76/hr | Actual |
| 2025 | $32.34/hr | Actual |
| 2026(current) | $33.50/hr | Estimated |
| 2027 | $34.71/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Daly City grew 22.3% from $26.45/hr (2019) to $32.34/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $34.71/hr by 2027. Part-time and per-diem insurance agents can use this multi-year trend to benchmark future contract negotiations.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Daly City 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.
Working as an Hourly Insurance Agent in Daly City
For insurance agents in Daly City, the potential for part-time earnings is a viable path, with a 24-hour work week translating into an annual income of about $42,000 compared to full-time positions that offer a significantly higher earning potential. While per diem arrangements, such as those seen in some sectors, are rare among insurance agents—most compensation being tied to commissions—independent consultants in risk management and expert witnesses can command rates ranging from $200 to $600 per hour. It's crucial to understand how hourly pay can differ based on the type of employer. For instance, agents at captive agencies like State Farm and Allstate may enjoy consistent health benefits at the cost of slightly lower hourly pay, while independent agencies may offer higher pay without benefits. For those negotiating in Daly City, it's advisable to consider both salary figures and the full benefits package to determine the best fit for their personal career goals.
More salary data for Daly City, CA:
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
Hourly wage figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. A 3.60% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to estimate current 2026 hourly rates for insurance agents in Daly City. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Salary data for Daly City 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