Insurance Agent Hourly Pay in Garden City, KS: $27.94 (2026)
Quick Answer:Hourly pay for a insurance agent working in Garden City, KS runs $27.94 at the median for 2026 — annualizing to $58,127 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Garden City's regional price level (BEA RPP 90.9, 9% below national), each hour of work buys what $30.74 nationally would. A 24-hour part-time schedule grosses $34,870 per year.
Based on BLS state-level estimates · View source
In Garden City, Kansas, the insurance agent hourly pay stands at a median of $27.94, which reflects a decrease of approximately 9.91% when compared to the national hourly median of $31.02. This difference can significantly affect part-time workers and per-diem agents, especially those who may work in various settings like independent agency offices, captive agent storefronts, and even remote policy quoting environments. The hourly pay ranges from $17.20 at the lower end for entry-level positions to $43.32 for top earners, facilitating flexibility for those who might opt to work only three days a week. These numbers, derived from annual salary estimates, illustrate how residents of Garden City can plan their careers in the insurance industry, while also considering the economic environment and the specific compensation structures prevalent in the area.
About the Garden City Market
Salary estimated from Kansas average ($58,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $17.20 | $137.58 |
| Lower Range (P25) | $21.10 | $168.83 |
| Median (P50) | $27.94 | $223.53 |
| Upper Range (P75) | $35.77 | $286.18 |
| Top Earners (P90) | $43.32 | $346.52 |
Estimated Annual Income by Work Schedule in Garden City
Based on $27.94/hr median hourly rate · 2026 est.
At $27.94/hr, a insurance agent working full-time (40 hr/wk) in Garden City, KS can expect to earn approximately $58,117 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $33,529. With a cost-of-living index of 90.90 (below the national average), these earnings stretch further in Garden City.
Hourly Rate Calculator
Schedule Comparison in Garden City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,117.64 | $4,843 | $58,117 |
| Part-Time (24 hrs) | $670.58 | $2,906 | $34,870 |
| Per Diem (16 hrs) | $447.05 | $1,937 | $23,247 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Garden City) | $27.94 |
| 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 Garden City, KS earn a median of $58,127 per year (2026 est.), which is 9.91% lower than the national median of $64,522 and 0.90% below the Kansas state average of $58,655.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $27.94/hr = $34,870/year (purchasing power: $38,361).
Working 40h/week (full-time) = $58,117/year (purchasing power: $63,935).
CoL index: 90.9 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$22.06/hr
2025 BLS Actual
$26.97/hr
2026 Current Est.
$27.94/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Garden City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $22.06/hr | Actual |
| 2020 | $22.60/hr | Actual |
| 2021 | $21.58/hr | Actual |
| 2022 | $25.06/hr | Actual |
| 2023 | $25.58/hr | Actual |
| 2024 | $25.12/hr | Actual |
| 2025 | $26.97/hr | Actual |
| 2026(current) | $27.94/hr | Estimated |
| 2027 | $28.95/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Garden City grew 22.3% from $22.06/hr (2019) to $26.97/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $28.95/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 Garden 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 Garden City
Examining part-time scenarios, an insurance agent working 24 hours a week could expect to earn around $34,977 annually, while a full-time employee could potentially bring in nearly $58,127. The reality for per-diem and 1099 workers can be different, as the insurance compensation landscape often prioritizes commission-based earnings over hourly pay. While consultants such as former CPCU-credentialed brokers can charge between $200 and $400 per hour, the majority of insurance agents find their earnings tied closely to the brokers or agencies they work with. In Garden City, hourly pay varies across different employment types; for instance, captive agents often earn less than their independent agency counterparts, whose commission structures may yield higher earnings, particularly in specialty lines. For new agents or those negotiating hourly rates, understanding the trade-offs between less hourly wage and the benefits offered by certain companies, such as health insurance, is key in making informed career choices in the local market.
More salary data for Garden City, KS:
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 Garden 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 Garden 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