Insurance Agent Hourly Pay in Kahului, HI: $31.54 (2026)
Quick Answer:Hourly pay for a insurance agent working in Kahului, HI runs $31.54 at the median for 2026 — annualizing to $65,589 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Kahului's regional price level (BEA RPP 109.4, 9% above national), each hour of work buys what $28.83 nationally would. A 24-hour part-time schedule grosses $39,357 per year.
Official BLS data · View source
In Kahului, Hawaii, insurance agents can expect a median hourly pay of $31.54, which surpasses the national median hourly rate of $31.02. This competitive rate provides a viable foundation for part-time workers, allowing those who work three days a week to earn a meaningful income while balancing other commitments. Per-diem insurance agents, although less common in this field, may find opportunities for flexible earnings in various settings, including independent agency offices and during client business visits. The hourly pay ranges from $22.17 for entry-level positions to $58.50 for those at the top of their earnings potential. This projection, based on 2025 BLS OEWS data, indicates a solid compensation structure for insurance agents in Kahului.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $22.17 | $177.36 |
| Lower Range (P25) | $24.71 | $197.67 |
| Median (P50) | $31.54 | $252.29 |
| Upper Range (P75) | $39.56 | $316.52 |
| Top Earners (P90) | $58.50 | $468.02 |
Estimated Annual Income by Work Schedule in Kahului
Based on $31.54/hr median hourly rate · 2026 est.
At $31.54/hr, a insurance agent working full-time (40 hr/wk) in Kahului, HI can expect to earn approximately $65,595 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $37,843. With a cost-of-living index of 109.39 (above the national average), these earnings may be offset by higher expenses in Kahului.
Hourly Rate Calculator
Schedule Comparison in Kahului
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,261.43 | $5,466 | $65,595 |
| Part-Time (24 hrs) | $756.86 | $3,280 | $39,357 |
| Per Diem (16 hrs) | $504.57 | $2,186 | $26,238 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Kahului) | $31.54 |
| 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 Kahului, HI earn a median of $65,589 per year (2026 est.), which is 1.65% higher than the national median of $64,522 and 14.80% below the Hawaii state average of $76,983.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $31.54/hr = $39,357/year (purchasing power: $35,977).
Working 40h/week (full-time) = $65,595/year (purchasing power: $59,962).
CoL index: 109.393 (100 = national average).
2019 BLS Actual
$27.82/hr
2025 BLS Actual
$30.44/hr
2026 Current Est.
$31.54/hr
2019–2027 Growth
+17.4%
Hourly Rate Trajectory for Insurance Agents in Kahului (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $27.82/hr | Actual |
| 2020 | $27.02/hr | Actual |
| 2021 | $24.36/hr | Actual |
| 2022 | $27.00/hr | Actual |
| 2023 | $26.11/hr | Actual |
| 2024 | $28.12/hr | Actual |
| 2025 | $30.44/hr | Actual |
| 2026(current) | $31.54/hr | Estimated |
| 2027 | $32.67/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Kahului grew 9.4% from $27.82/hr (2019) to $30.44/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $32.67/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 Kahului 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 Kahului
Analyzing the earning dynamics, a part-time insurance agent working a 24-hour week would take home around $39,651 annually—less compared to a full-time worker, but still a reliable income for those prioritizing work-life balance. With per diem roles being relatively rare in Kahului, most compensation for insurance agents arises from commission-based structures. This reflects a significant divergence from consulting roles, where experts can command rates between $200 and $600 per hour depending on their niche. Additionally, hourly rates fluctuate across different employer types in Kahului, with captive agents typically earning less than their counterparts in large brokerage firms or independent agencies. Some agents may choose lower hourly pay with benefits packages versus higher rates without, weighing these trade-offs depends on individual needs. When negotiating pay, agents should consider leveraging their experience and specialization, particularly when entering commercial or specialty lines, which tend to pay more than personal lines.
More salary data for Kahului, 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 Kahului. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Source: BLS, OEWS, 6-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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