Insurance Agent Hourly Pay in Plant City, FL: $25.46 (2026)
Quick Answer:Hourly pay for a insurance agent working in Plant City, FL runs $25.46 at the median for 2026 — annualizing to $52,968 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Plant City's regional price level (BEA RPP 100.8, 1% above national), each hour of work buys what $25.26 nationally would. A 24-hour part-time schedule grosses $31,780 per year.
Based on BLS state-level estimates · View source
In Plant City, Florida, the projected hourly pay for insurance agents in 2026 is $25.46, which falls significantly below the national hourly median of $31.02. This discrepancy means that insurance agents in the area might face more modest earnings, particularly impacting those who work part-time or on a per-diem basis. For instance, a part-time insurance agent working three days a week might expect to earn around $25.46 per hour while balancing family commitments or pursuing another career. The hourly range for insurance agents in Plant City varies considerably, with entry-level positions starting at about $15.76 per hour (P10) and experienced agents potentially earning up to $39.47 per hour (P90), underscoring a significant progression as one gains experience and builds a client base.
About the Plant City 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) | $15.76 | $126.06 |
| Lower Range (P25) | $19.36 | $154.90 |
| Median (P50) | $25.46 | $203.72 |
| Upper Range (P75) | $32.59 | $260.74 |
| Top Earners (P90) | $39.47 | $315.77 |
Estimated Annual Income by Work Schedule in Plant City
Based on $25.46/hr median hourly rate · 2026 est.
At $25.46/hr, a insurance agent working full-time (40 hr/wk) in Plant City, FL can expect to earn approximately $52,967 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $30,558. With a cost-of-living index of 100.80 (above the national average), these earnings may be offset by higher expenses in Plant City.
Hourly Rate Calculator
Schedule Comparison in Plant City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,018.60 | $4,414 | $52,967 |
| Part-Time (24 hrs) | $611.16 | $2,648 | $31,780 |
| Per Diem (16 hrs) | $407.44 | $1,766 | $21,187 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Plant City) | $25.46 |
| 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 Plant City, FL earn a median of $52,968 per year (2026 est.), which is 17.91% lower than the national median of $64,522 and 5.30% below the Florida state average of $55,932.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $25.46/hr = $31,780/year (purchasing power: $31,528).
Working 40h/week (full-time) = $52,967/year (purchasing power: $52,547).
CoL index: 100.8 (100 = national average).
2019 BLS Actual
$20.10/hr
2025 BLS Actual
$24.58/hr
2026 Current Est.
$25.46/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Plant City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $20.10/hr | Actual |
| 2020 | $20.59/hr | Actual |
| 2021 | $19.67/hr | Actual |
| 2022 | $22.84/hr | Actual |
| 2023 | $23.32/hr | Actual |
| 2024 | $28.44/hr | Actual |
| 2025 | $24.58/hr | Actual |
| 2026(current) | $25.46/hr | Estimated |
| 2027 | $26.38/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Plant City grew 22.3% from $20.10/hr (2019) to $24.58/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $26.38/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 Plant 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 Plant City
Analyzing the earning potential for part-time insurance agents reveals that those working 24 hours a week might only bring home around $31,843 annually—a stark contrast to their full-time counterparts. As per-diem roles are relatively uncommon in this profession, agents typically rely on commission-based salaries, making income consistency a challenge. While some consulting risk managers with CPCU credentials may secure hefty hourly fees ranging from $200 to $400, most insurance agents pursue positions with carriers like State Farm and Allstate, where hourly rates are lower but often include benefits such as health insurance. The varying employer structures in Plant City can also influence pay rates significantly. Captive agents generally earn less compared to independent agencies or large commercial brokerages, where specialized expertise commands higher compensation. For agents negotiating their rates, understanding the distinctions between different employer types is crucial, as accepting slightly lower hourly rates might yield valuable benefits that support long-term career stability.
More salary data for Plant City, FL:
Frequently Asked Questions
What is the hourly rate for insurance agents in Plant City in 2026?
How much do part-time insurance agents make in Plant City?
Are insurance agents in Plant City paid hourly or salary?
How much does a full-time insurance agent make per year in Plant City?
Do insurance agents earn more per hour working part-time in Plant City?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Florida
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 Plant 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 Plant 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