Insurance Agent Hourly Pay in Fort Lauderdale, FL: $29.58 (2026)
Quick Answer:Hourly pay for a insurance agent working in Fort Lauderdale, FL runs $29.58 at the median for 2026 — annualizing to $61,523 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Fort Lauderdale's regional price level (BEA RPP 100.8, 1% above national), each hour of work buys what $29.34 nationally would. A 24-hour part-time schedule grosses $36,913 per year.
Based on BLS state-level estimates · View source
An insurance agent in Fort Lauderdale, FL, can expect to earn a median hourly rate of $29.58 in 2026, which is below the national hourly median of $31.02. This difference positions Fort Lauderdale's insurance professionals in a competitive environment, especially for those seeking part-time or per-diem opportunities. Working three days a week can yield a substantial income, supporting various lifestyles while servicing clients in traditional settings such as independent agency offices or client visits for commercial inspections. With hourly wages ranging from $17.97 for entry-level positions to as much as $45.84 for top earners in the area, prospective agents have flexible earning potential depending on their experience and the specific employer they choose, be it a captive agency or a larger brokerage. It’s important to note that these hourly rates have been estimated from corresponding annual salary projections.
About the Fort Lauderdale Market
Salary estimated from Florida average ($62,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $17.97 | $143.80 |
| Lower Range (P25) | $22.27 | $178.19 |
| Median (P50) | $29.58 | $236.62 |
| Upper Range (P75) | $37.86 | $302.84 |
| Top Earners (P90) | $45.84 | $366.74 |
Estimated Annual Income by Work Schedule in Fort Lauderdale
Based on $29.58/hr median hourly rate · 2026 est.
At $29.58/hr, a insurance agent working full-time (40 hr/wk) in Fort Lauderdale, FL can expect to earn approximately $61,522 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,493. With a cost-of-living index of 100.80 (above the national average), these earnings may be offset by higher expenses in Fort Lauderdale.
Hourly Rate Calculator
Schedule Comparison in Fort Lauderdale
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,183.11 | $5,127 | $61,522 |
| Part-Time (24 hrs) | $709.87 | $3,076 | $36,913 |
| Per Diem (16 hrs) | $473.24 | $2,051 | $24,609 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Fort Lauderdale) | $29.58 |
| 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 Fort Lauderdale, FL earn a median of $61,523 per year (2026 est.), which is 4.65% lower than the national median of $64,522 and 9.90% above the Florida state average of $55,981.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.58/hr = $36,913/year (purchasing power: $36,620).
Working 40h/week (full-time) = $61,522/year (purchasing power: $61,034).
CoL index: 100.8 (100 = national average).
2019 BLS Actual
$23.35/hr
2025 BLS Actual
$28.55/hr
2026 Current Est.
$29.58/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Fort Lauderdale (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.35/hr | Actual |
| 2020 | $23.92/hr | Actual |
| 2021 | $22.85/hr | Actual |
| 2022 | $26.52/hr | Actual |
| 2023 | $27.08/hr | Actual |
| 2024 | $29.91/hr | Actual |
| 2025 | $28.55/hr | Actual |
| 2026(current) | $29.58/hr | Estimated |
| 2027 | $30.64/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Fort Lauderdale grew 22.3% from $23.35/hr (2019) to $28.55/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.64/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 Fort Lauderdale 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 Fort Lauderdale
Assessing the part-time earnings for a 24-hour weekly schedule reveals that an insurance agent may take home approximately $36,818 annually, compared to a full-time agent's earnings, which could be significantly higher. The per-diem insurance agent pay in Fort Lauderdale is seldom a mainstay; most agents largely rely on commission-based compensation. Those with advanced qualifications, such as CPCU credentials, can command higher rates as consultants, ranging from $200 to $400 per hour, while also potentially acting as expert witnesses. The differences in hourly rates across various employer types can be substantial—captive agents often earn less per hour than those working for independent agencies or large commercial brokerages dealing with specialty lines. Accepting a lower hourly wage for benefits like health insurance is a common trade-off that many make in a competitive industry where negotiation skills are essential for hourly workers. Understanding the regional market and developing a solid grasp of industry standards proves vital for those seeking to maximize their hourly rate while navigating the diverse landscape of insurance careers within Fort Lauderdale.
More salary data for Fort Lauderdale, FL:
Frequently Asked Questions
What is the hourly rate for insurance agents in Fort Lauderdale in 2026?
How much do part-time insurance agents make in Fort Lauderdale?
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Do insurance agents earn more per hour working part-time in Fort Lauderdale?
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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 Fort Lauderdale. 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 Fort Lauderdale 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