Insurance Agent Hourly Pay in Commerce City, CO: $28.33 (2026)
Quick Answer:Hourly pay for a insurance agent working in Commerce City, CO runs $28.33 at the median for 2026 — annualizing to $58,934 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Commerce City's regional price level (BEA RPP 105.0, 5% above national), each hour of work buys what $26.99 nationally would. A 24-hour part-time schedule grosses $35,362 per year.
Based on BLS state-level estimates · View source
In 2026, insurance agents in Commerce City, Colorado, earn a median hourly pay of $28.33, which is notably lower than the national median of $31.02 per hour. This hourly rate provides insight into the earning potential for part-time workers, such as those who might opt for a three-day workweek, totaling around 24 hours, making it feasible for them to earn a decent income while maintaining flexibility in their schedules. Whether working from a captive agency storefront, an independent office, or engaging in remote policy quoting, the hourly pay reflects varying levels of experience and success within the field. For entry-level agents, the hourly rate starts at approximately $17.28, while top earners can reach up to $43.92 per hour, illustrating a significant earning gradient across different stages of one’s insurance career.
About the Commerce City Market
Salary estimated from Colorado average ($68,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $17.28 | $138.24 |
| Lower Range (P25) | $21.35 | $170.82 |
| Median (P50) | $28.33 | $226.68 |
| Upper Range (P75) | $36.27 | $290.16 |
| Top Earners (P90) | $43.92 | $351.33 |
Estimated Annual Income by Work Schedule in Commerce City
Based on $28.33/hr median hourly rate · 2026 est.
At $28.33/hr, a insurance agent working full-time (40 hr/wk) in Commerce City, CO can expect to earn approximately $58,936 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $34,002. With a cost-of-living index of 105.00 (above the national average), these earnings may be offset by higher expenses in Commerce City.
Hourly Rate Calculator
Schedule Comparison in Commerce City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,133.38 | $4,911 | $58,936 |
| Part-Time (24 hrs) | $680.03 | $2,947 | $35,362 |
| Per Diem (16 hrs) | $453.35 | $1,965 | $23,574 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Commerce City) | $28.33 |
| 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 Commerce City, CO earn a median of $58,934 per year (2026 est.), which is 8.66% lower than the national median of $64,522 and 3.00% below the Colorado state average of $60,757.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $28.33/hr = $35,362/year (purchasing power: $33,678).
Working 40h/week (full-time) = $58,936/year (purchasing power: $56,129).
CoL index: 105 (100 = national average).
2019 BLS Actual
$22.37/hr
2025 BLS Actual
$27.35/hr
2026 Current Est.
$28.33/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Commerce City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $22.37/hr | Actual |
| 2020 | $22.91/hr | Actual |
| 2021 | $21.89/hr | Actual |
| 2022 | $25.41/hr | Actual |
| 2023 | $25.94/hr | Actual |
| 2024 | $33.30/hr | Actual |
| 2025 | $27.35/hr | Actual |
| 2026(current) | $28.33/hr | Estimated |
| 2027 | $29.35/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Commerce City grew 22.3% from $22.37/hr (2019) to $27.35/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $29.35/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 Commerce 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 Commerce City
When examining the financial implications of part-time work in this profession, a three-day workweek can yield an annual income of around $35,200, while full-time agents might earn upwards of $58,934. The nature of per-diem and contract work is less common for insurance agents, as compensation is often tied to commission rather than hourly rates. However, specialized roles exist, where consultants and expert witnesses can command rates between $200 and $600 per hour. Hourly pay rates for insurance agents tend to differ significantly among various employer structures, including captive agencies and large brokerages. While some agents may accept lower hourly wages for the added benefit of health insurance, others may prioritize higher pay without benefits. Negotiating for better compensation can be key in Commerce City, particularly for those transitioning from independent contractors to established roles in renowned brokerages or with comprehensive benefit packages.
More salary data for Commerce City, CO:
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 Commerce 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 Commerce 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