Insurance Agent Hourly Pay in Hilo, HI: $35.12 (2026)
Quick Answer:Hourly pay for a insurance agent working in Hilo, HI runs $35.12 at the median for 2026 — annualizing to $73,044 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Hilo's regional price level (BEA RPP 119.3, 19% above national), each hour of work buys what $29.44 nationally would. A 24-hour part-time schedule grosses $43,830 per year.
Based on BLS state-level estimates · View source
In Hilo, Hawaii, the projected median hourly rate for insurance agents stands at $35.12, significantly above the national average of $31.02. This competitive hourly pay offers lucrative opportunities for both part-time and per-diem workers, allowing them to earn while managing flexible schedules. For instance, an agent working three days a week could generate a respectable income, working in various settings like agency offices or engaging with clients for commercial inspections. Entry-level agents might start at an hourly rate of approximately $22.03, whereas experienced professionals can achieve earnings as high as $54.43 per hour. These values reflect a dynamic compensation structure influenced by the insurance agent hourly pay in Hilo, illustrating the potential earnings across different experience levels.
About the Hilo 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) | $22.03 | $176.20 |
| Lower Range (P25) | $26.80 | $214.41 |
| Median (P50) | $35.12 | $280.96 |
| Upper Range (P75) | $44.95 | $359.62 |
| Top Earners (P90) | $54.43 | $435.45 |
Estimated Annual Income by Work Schedule in Hilo
Based on $35.12/hr median hourly rate · 2026 est.
At $35.12/hr, a insurance agent working full-time (40 hr/wk) in Hilo, HI can expect to earn approximately $73,050 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $42,144. With a cost-of-living index of 119.30 (above the national average), these earnings may be offset by higher expenses in Hilo.
Hourly Rate Calculator
Schedule Comparison in Hilo
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,404.82 | $6,088 | $73,050 |
| Part-Time (24 hrs) | $842.89 | $3,653 | $43,830 |
| Per Diem (16 hrs) | $561.93 | $2,435 | $29,220 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Hilo) | $35.12 |
| 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 Hilo, HI earn a median of $73,044 per year (2026 est.), which is 13.21% higher than the national median of $64,522 and 5.10% below the Hawaii state average of $76,970.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $35.12/hr = $43,830/year (purchasing power: $36,740).
Working 40h/week (full-time) = $73,050/year (purchasing power: $61,233).
CoL index: 119.3 (100 = national average).
2019 BLS Actual
$27.73/hr
2025 BLS Actual
$33.90/hr
2026 Current Est.
$35.12/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Hilo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $27.73/hr | Actual |
| 2020 | $28.40/hr | Actual |
| 2021 | $27.13/hr | Actual |
| 2022 | $31.49/hr | Actual |
| 2023 | $32.16/hr | Actual |
| 2024 | $33.74/hr | Actual |
| 2025 | $33.90/hr | Actual |
| 2026(current) | $35.12/hr | Estimated |
| 2027 | $36.38/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Hilo grew 22.3% from $27.73/hr (2019) to $33.90/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $36.38/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 Hilo 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 Hilo
For those considering a part-time role as an insurance agent, taking on a 24-hour workweek could result in an annual income significantly lower than that of a full-time agent, raising the question of financial sustainability. While per-diem roles in Hilo are rare and often commission-driven, they can offer flexibility; however, their earning potential may fall short compared to positions in larger brokerages or independent agencies. Different employer types contribute to varying hourly rates: captive agents from large companies like State Farm often receive more predictable compensation, while independent brokerages may offer better commission structures. Those seeking benefits might accept lower hourly rates for health insurance, whereas agents focusing solely on earnings may prefer higher-paying roles without such benefits. Negotiating an hourly rate in Hilo requires understanding the distinct compensation practices and market dynamics unique to this picturesque island.
More salary data for Hilo, HI:
Frequently Asked Questions
What is the hourly rate for insurance agents in Hilo in 2026?
How much do part-time insurance agents make in Hilo?
Are insurance agents in Hilo paid hourly or salary?
How much does a full-time insurance agent make per year in Hilo?
Do insurance agents earn more per hour working part-time in Hilo?
Related Pages
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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 Hilo. 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 Hilo 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