Insurance Agent Hourly Pay in East Honolulu, HI: $36.28 (2026)
Quick Answer:Hourly pay for a insurance agent working in East Honolulu, HI runs $36.28 at the median for 2026 — annualizing to $75,457 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against East Honolulu's regional price level (BEA RPP 119.3, 19% above national), each hour of work buys what $30.41 nationally would. A 24-hour part-time schedule grosses $45,278 per year.
Based on BLS state-level estimates · View source
In East Honolulu, the projected insurance agent hourly pay for 2026 sits at $36.28, significantly surpassing the national average of $31.02. This competitive hourly rate is noteworthy for part-time workers, particularly those working three days a week or less, as it can yield substantial earnings even with a limited schedule. For example, part-time agents in retail environments such as captive agent storefronts or independent agencies can effectively balance client visits with personal commitments while still earning commendable compensation. Entry-level agents might start their earnings around $21.54 per hour, while experienced professionals can command up to $56.23. This range allows individuals in the insurance sector to navigate various work settings—from commercial brokerage firms to virtual policy quoting—thus accommodating diverse lifestyle choices.
About the East Honolulu Market
Salary estimated from Hawaii average ($62,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $21.54 | $172.31 |
| Lower Range (P25) | $26.90 | $215.24 |
| Median (P50) | $36.28 | $290.25 |
| Upper Range (P75) | $46.43 | $371.47 |
| Top Earners (P90) | $56.23 | $449.87 |
Estimated Annual Income by Work Schedule in East Honolulu
Based on $36.28/hr median hourly rate · 2026 est.
At $36.28/hr, a insurance agent working full-time (40 hr/wk) in East Honolulu, HI can expect to earn approximately $75,464 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $43,537. With a cost-of-living index of 119.30 (above the national average), these earnings may be offset by higher expenses in East Honolulu.
Hourly Rate Calculator
Schedule Comparison in East Honolulu
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,451.23 | $6,289 | $75,464 |
| Part-Time (24 hrs) | $870.74 | $3,773 | $45,278 |
| Per Diem (16 hrs) | $580.49 | $2,515 | $30,186 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (East Honolulu) | $36.28 |
| 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 East Honolulu, HI earn a median of $75,457 per year (2026 est.), which is 16.95% higher than the national median of $64,522 and 2.00% below the Hawaii state average of $76,997.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $36.28/hr = $45,278/year (purchasing power: $37,953).
Working 40h/week (full-time) = $75,464/year (purchasing power: $63,256).
CoL index: 119.3 (100 = national average).
2019 BLS Actual
$28.64/hr
2025 BLS Actual
$35.02/hr
2026 Current Est.
$36.28/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in East Honolulu (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $28.64/hr | Actual |
| 2020 | $29.34/hr | Actual |
| 2021 | $28.02/hr | Actual |
| 2022 | $32.53/hr | Actual |
| 2023 | $33.22/hr | Actual |
| 2024 | $34.86/hr | Actual |
| 2025 | $35.02/hr | Actual |
| 2026(current) | $36.28/hr | Estimated |
| 2027 | $37.59/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in East Honolulu grew 22.3% from $28.64/hr (2019) to $35.02/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $37.59/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 East Honolulu 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 East Honolulu
Examining the realities of part-time employment illustrates the potential financial outcomes for those working only 24 hours per week in East Honolulu. While these agents may earn a substantial hourly rate, their overall annual income will remain below that of full-time employees, impacting long-term financial stability. Per-diem work is less common in the insurance field, as most compensation is commission-based; however, consultants, particularly those with CPCU credentials, may bill significantly higher rates for specialized services, reaching from $200 to $400 per hour. Hourly variations depend on factors such as agency type—captive agents tend to earn differently compared to those at large commercial brokerages or independent shops. Some insurance agents opt for lower hourly rates in exchange for benefits like health insurance, leading to trade-offs in compensation structures. Those looking to negotiate their hourly pay in East Honolulu should focus on their experience, the company's commission structure, and any certifications or specialties that may enhance their selling capabilities.
More salary data for East Honolulu, HI:
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 East Honolulu. 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 East Honolulu 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