Insurance Agent Hourly Pay in St. Clair Shores, MI: $29.99 (2026)
Quick Answer:Hourly pay for a insurance agent working in St. Clair Shores, MI runs $29.99 at the median for 2026 — annualizing to $62,379 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against St. Clair Shores's regional price level (BEA RPP 93.2, 7% below national), each hour of work buys what $32.18 nationally would. A 24-hour part-time schedule grosses $37,430 per year.
Based on BLS state-level estimates · View source
In 2026, insurance agents in St. Clair Shores, Michigan, earn a median hourly pay of $29.99, which lags slightly behind the national hourly median of $31.02. This rate offers a substantial income for both part-time professionals working three days a week and those engaging in per-diem positions, potentially situated in various settings such as independent agency offices or remote virtual environments. For entry-level agents, hourly pay starts at around $18.48, while established professionals can earn significantly more, reaching up to $46.49. These figures reflect estimates derived from annual salary data, signifying that hourly wages can vary considerably based on experience, employer type, and specific job functions within the insurance landscape in St. Clair Shores.
About the St. Clair Shores Market
Salary estimated from Michigan average ($58,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.48 | $147.86 |
| Lower Range (P25) | $22.82 | $182.58 |
| Median (P50) | $29.99 | $239.94 |
| Upper Range (P75) | $38.38 | $307.07 |
| Top Earners (P90) | $46.49 | $371.88 |
Estimated Annual Income by Work Schedule in St. Clair Shores
Based on $29.99/hr median hourly rate · 2026 est.
At $29.99/hr, a insurance agent working full-time (40 hr/wk) in St. Clair Shores, MI can expect to earn approximately $62,384 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,991. With a cost-of-living index of 93.20 (below the national average), these earnings stretch further in St. Clair Shores.
Hourly Rate Calculator
Schedule Comparison in St. Clair Shores
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,199.69 | $5,199 | $62,384 |
| Part-Time (24 hrs) | $719.81 | $3,119 | $37,430 |
| Per Diem (16 hrs) | $479.88 | $2,079 | $24,954 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (St. Clair Shores) | $29.99 |
| 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 St. Clair Shores, MI earn a median of $62,379 per year (2026 est.), which is 3.32% lower than the national median of $64,522 and 0.60% below the Michigan state average of $62,755.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.99/hr = $37,430/year (purchasing power: $40,161).
Working 40h/week (full-time) = $62,384/year (purchasing power: $66,935).
CoL index: 93.2 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$23.68/hr
2025 BLS Actual
$28.95/hr
2026 Current Est.
$29.99/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in St. Clair Shores (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.68/hr | Actual |
| 2020 | $24.26/hr | Actual |
| 2021 | $23.17/hr | Actual |
| 2022 | $26.90/hr | Actual |
| 2023 | $27.46/hr | Actual |
| 2024 | $25.83/hr | Actual |
| 2025 | $28.95/hr | Actual |
| 2026(current) | $29.99/hr | Estimated |
| 2027 | $31.07/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in St. Clair Shores grew 22.3% from $23.68/hr (2019) to $28.95/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $31.07/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 St. Clair Shores 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 St. Clair Shores
Exploring the earning potential for part-time agents reveals that working 24 hours a week at the stated hourly rate yields a take-home pay of approximately $37,250 annually, which contrasts sharply with full-time earnings. Per diem roles are rare among standard insurance agents since most compensation is commission-based; however, specialized roles exist where former risk managers can command hourly rates between $200 and $400 for consulting on complex claims. The diversity of employers in St. Clair Shores, from captive agents affiliated with companies like State Farm to independent agencies and large brokerage firms, creates a spectrum of pay variations. Agents working for captive life insurance companies may accept lower hourly wages in exchange for benefits like health insurance, while those in independent scenarios often see higher pay but with fewer perks. Negotiation tactics can play a significant role in securing better hourly rates, particularly for those professionals familiar with the commercial versus personal lines pay gradient and armed with robust credentials such as CPCU.
More salary data for St. Clair Shores, MI:
Frequently Asked Questions
What is the hourly rate for insurance agents in St. Clair Shores in 2026?
How much do part-time insurance agents make in St. Clair Shores?
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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 St. Clair Shores. 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 St. Clair Shores 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