Insurance Agent Hourly Pay in Winter Garden, FL: $25.95 (2026)
Quick Answer:Hourly pay for a insurance agent working in Winter Garden, FL runs $25.95 at the median for 2026 — annualizing to $53,975 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Winter Garden's regional price level (BEA RPP 100.8, 1% above national), each hour of work buys what $25.75 nationally would. A 24-hour part-time schedule grosses $32,388 per year.
Based on BLS state-level estimates · View source
Insurance agents in Winter Garden, Florida, can expect to earn a median hourly rate of $25.95 in 2026, which is significantly lower than the national median of $31.02 per hour. For those considering part-time work, such as a schedule of three days a week, this hourly rate translates to a more manageable income but may limit financial stability compared to full-time positions. Entry-level agents may start at around $16.96, while more experienced professionals can earn up to $40.22 per hour, reflecting the potential for growth within the field. Working environments typically include independent agency offices, commercial brokerage floors, and remote settings for policy quoting, making this profession quite versatile while adapting to modern work dynamics.
About the Winter Garden 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) | $16.96 | $135.67 |
| Lower Range (P25) | $20.32 | $162.53 |
| Median (P50) | $25.95 | $207.61 |
| Upper Range (P75) | $33.21 | $265.71 |
| Top Earners (P90) | $40.22 | $321.74 |
Estimated Annual Income by Work Schedule in Winter Garden
Based on $25.95/hr median hourly rate · 2026 est.
At $25.95/hr, a insurance agent working full-time (40 hr/wk) in Winter Garden, FL can expect to earn approximately $53,980 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $31,142. With a cost-of-living index of 100.80 (above the national average), these earnings may be offset by higher expenses in Winter Garden.
Hourly Rate Calculator
Schedule Comparison in Winter Garden
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,038.07 | $4,498 | $53,980 |
| Part-Time (24 hrs) | $622.84 | $2,699 | $32,388 |
| Per Diem (16 hrs) | $415.23 | $1,799 | $21,592 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Winter Garden) | $25.95 |
| 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 Winter Garden, FL earn a median of $53,975 per year (2026 est.), which is 16.35% lower than the national median of $64,522 and 3.50% below the Florida state average of $55,932.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $25.95/hr = $32,388/year (purchasing power: $32,131).
Working 40h/week (full-time) = $53,980/year (purchasing power: $53,551).
CoL index: 100.8 (100 = national average).
2019 BLS Actual
$20.49/hr
2025 BLS Actual
$25.05/hr
2026 Current Est.
$25.95/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Winter Garden (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $20.49/hr | Actual |
| 2020 | $20.99/hr | Actual |
| 2021 | $20.05/hr | Actual |
| 2022 | $23.27/hr | Actual |
| 2023 | $23.76/hr | Actual |
| 2024 | $28.98/hr | Actual |
| 2025 | $25.05/hr | Actual |
| 2026(current) | $25.95/hr | Estimated |
| 2027 | $26.89/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Winter Garden grew 22.3% from $20.49/hr (2019) to $25.05/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $26.89/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 Winter Garden 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 Winter Garden
For those contemplating part-time status, a three-day work week at 24 hours might yield an annual income that is relatively modest and could be challenging if attempting to cover full-time living expenses. With the shift towards commission-based compensation in many agency structures, per-diem opportunities remain uncommon in the Winter Garden area, though some agents might find variable work correlating to their licensing and networks. Captive agents often gravitate towards stable employment within companies like State Farm or Allstate, generally earning less but receiving benefits, while independent agency placements or commercial brokerages like Aon can lead to higher hourly rates, particularly in specialty lines. For agents negotiating their pay, understanding the differences between various employer types and the benefits that come with them is essential, especially as many may need to weigh the trade-offs between health insurance and hourly earnings.
More salary data for Winter Garden, FL:
Frequently Asked Questions
What is the hourly rate for insurance agents in Winter Garden in 2026?
How much do part-time insurance agents make in Winter Garden?
Are insurance agents in Winter Garden paid hourly or salary?
How much does a full-time insurance agent make per year in Winter Garden?
Do insurance agents earn more per hour working part-time in Winter Garden?
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 Winter Garden. 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 Winter Garden 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