Insurance Agent Hourly Pay in Madera, CA: $31.88 (2026)
Quick Answer:Hourly pay for a insurance agent working in Madera, CA runs $31.88 at the median for 2026 — annualizing to $66,309 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Madera's regional price level (BEA RPP 113.1, 13% above national), each hour of work buys what $28.19 nationally would. A 24-hour part-time schedule grosses $39,783 per year.
Based on BLS state-level estimates · View source
In Madera, California, the insurance agent hourly pay stands at a competitive $31.88, which positions it slightly above the national hourly median of $31.02. This rate provides a solid foundation for both full-time and part-time employment opportunities, particularly for those looking to work three days a week. In this profession, per-diem roles can vary; agents may find themselves in diverse settings, such as captive agent storefronts like State Farm or Allstate, independent agency offices, commercial brokerage corporate floors, or even remote environments handling policy quotes. The hourly pay range for insurance agents in Madera spans from $19.82 for entry-level positions to $49.42 for experienced top earners. These figures are derived from estimated annual salary data and reflect the growing demand for insurance professionals in a dynamic market.
About the Madera 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) | $19.82 | $158.55 |
| Lower Range (P25) | $24.28 | $194.27 |
| Median (P50) | $31.88 | $255.02 |
| Upper Range (P75) | $40.81 | $326.46 |
| Top Earners (P90) | $49.42 | $395.34 |
Estimated Annual Income by Work Schedule in Madera
Based on $31.88/hr median hourly rate · 2026 est.
At $31.88/hr, a insurance agent working full-time (40 hr/wk) in Madera, CA can expect to earn approximately $66,306 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $38,253. With a cost-of-living index of 113.10 (above the national average), these earnings may be offset by higher expenses in Madera.
Hourly Rate Calculator
Schedule Comparison in Madera
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,275.11 | $5,525 | $66,306 |
| Part-Time (24 hrs) | $765.07 | $3,315 | $39,783 |
| Per Diem (16 hrs) | $510.04 | $2,210 | $26,522 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Madera) | $31.88 |
| 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 Madera, CA earn a median of $66,309 per year (2026 est.), which is 2.77% higher than the national median of $64,522 and 2.30% below the California state average of $67,870.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $31.88/hr = $39,783/year (purchasing power: $35,175).
Working 40h/week (full-time) = $66,306/year (purchasing power: $58,626).
CoL index: 113.1 (100 = national average).
2019 BLS Actual
$25.17/hr
2025 BLS Actual
$30.77/hr
2026 Current Est.
$31.88/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Madera (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $25.17/hr | Actual |
| 2020 | $25.78/hr | Actual |
| 2021 | $21.54/hr | Actual |
| 2022 | $23.05/hr | Actual |
| 2023 | $24.37/hr | Actual |
| 2024 | $43.55/hr | Actual |
| 2025 | $30.77/hr | Actual |
| 2026(current) | $31.88/hr | Estimated |
| 2027 | $33.03/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Madera grew 22.3% from $25.17/hr (2019) to $30.77/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $33.03/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 Madera 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 Madera
Part-time insurance agents working three days a week, or approximately 24 hours, can expect to earn around $37,390 annually, a figure reflecting their reduced hours compared to full-time counterparts. While per-diem work in this field is less common, most insurance compensation structures are commission-based, allowing for potential variability in earnings. For example, seasoned risk managers might bill clients at rates between $200 and $400 per hour, while expert witnesses in coverage disputes could command fees from $300 to $600 per hour. The hourly rates for agents often depend on the type of employer in Madera, with captive agents typically earning less compared to those working in large commercial brokerages. Insurance agents may opt for lower hourly rates in exchange for benefits like health insurance, or choose opportunities offering higher pay without such perks. When negotiating hourly wages in Madera, professionals should be prepared to emphasize their credentials, including CPCU or CIC designations, and consider the evolving commission structures in the insurance market.
More salary data for Madera, CA:
Frequently Asked Questions
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Related Pages
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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 Madera. 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 Madera 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