Insurance Agent Hourly Pay in Thornton, CO: $29.66 (2026)
Quick Answer:Hourly pay for a insurance agent working in Thornton, CO runs $29.66 at the median for 2026 — annualizing to $61,704 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Thornton's regional price level (BEA RPP 105.0, 5% above national), each hour of work buys what $28.25 nationally would. A 24-hour part-time schedule grosses $37,017 per year.
Based on BLS state-level estimates · View source
In Thornton, Colorado, an insurance agent's hourly pay is projected to be $29.66 in 2026, which is slightly lower than the national median hourly rate of $31.02. This rate can influence those seeking part-time opportunities or per diem positions, such as those who work three days a week or on an as-needed basis. Typical environments for insurance agents include captive agency storefronts, independent offices, and even remote settings where services like virtual policy quoting occur. The hourly pay range for insurance agents in Thornton varies significantly, with entry-level workers starting at around $17.21 per hour and top earners reaching up to $45.98 per hour. It’s worth noting that these hourly figures are estimated based on annual salary data, reflecting the fluctuations within the insurance market.
About the Thornton 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) | $17.21 | $137.66 |
| Lower Range (P25) | $21.36 | $170.90 |
| Median (P50) | $29.66 | $237.29 |
| Upper Range (P75) | $37.97 | $303.76 |
| Top Earners (P90) | $45.98 | $367.82 |
Estimated Annual Income by Work Schedule in Thornton
Based on $29.66/hr median hourly rate · 2026 est.
At $29.66/hr, a insurance agent working full-time (40 hr/wk) in Thornton, CO can expect to earn approximately $61,694 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,593. With a cost-of-living index of 105.00 (above the national average), these earnings may be offset by higher expenses in Thornton.
Hourly Rate Calculator
Schedule Comparison in Thornton
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,186.43 | $5,141 | $61,694 |
| Part-Time (24 hrs) | $711.86 | $3,085 | $37,017 |
| Per Diem (16 hrs) | $474.57 | $2,056 | $24,678 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Thornton) | $29.66 |
| 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 Thornton, CO earn a median of $61,704 per year (2026 est.), which is 4.37% lower than the national median of $64,522 and 1.60% above the Colorado state average of $60,732.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.66/hr = $37,017/year (purchasing power: $35,254).
Working 40h/week (full-time) = $61,694/year (purchasing power: $58,756).
CoL index: 105 (100 = national average).
2019 BLS Actual
$23.42/hr
2025 BLS Actual
$28.63/hr
2026 Current Est.
$29.66/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Thornton (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.42/hr | Actual |
| 2020 | $23.99/hr | Actual |
| 2021 | $22.91/hr | Actual |
| 2022 | $26.60/hr | Actual |
| 2023 | $27.16/hr | Actual |
| 2024 | $34.87/hr | Actual |
| 2025 | $28.63/hr | Actual |
| 2026(current) | $29.66/hr | Estimated |
| 2027 | $30.73/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Thornton grew 22.3% from $23.42/hr (2019) to $28.63/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.73/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 Thornton 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 Thornton
Part-time insurance agents in Thornton working a 24-hour week might expect to earn approximately $36,200 annually, which can significantly differ from a full-time agent's earnings. While per-diem work is less common, most insurance compensation is largely commission-based, creating a unique earning structure compared to other professions. For instance, seasoned risk managers may charge $200 to $400 an hour, while expert witness fees in coverage disputes can reach $300 to $600 per hour. Hourly rates for agents also differ based on the agency type; captive agents at companies like State Farm may offer lower hourly rates compared to large brokerage firms such as Aon or Marsh, which focus on commercial lines. Some agents opt for slightly lower hourly pay for entities that provide health benefits, recognizing that the trade-off can offer considerable advantages. When negotiating hourly compensation, agents should highlight their credentials, like a CPCU designation, and articulate their value clearly to prospective employers in Thornton.
More salary data for Thornton, CO:
Frequently Asked Questions
What is the hourly rate for insurance agents in Thornton in 2026?
How much do part-time insurance agents make in Thornton?
Are insurance agents in Thornton paid hourly or salary?
How much does a full-time insurance agent make per year in Thornton?
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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 Thornton. 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 Thornton 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