Insurance Agent Hourly Pay in Biloxi, MS: $23.70 (2026)
Quick Answer:Hourly pay for a insurance agent working in Biloxi, MS runs $23.70 at the median for 2026 — annualizing to $49,308 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Biloxi's regional price level (BEA RPP 85.7, 14% below national), each hour of work buys what $27.66 nationally would. A 24-hour part-time schedule grosses $29,582 per year.
Based on BLS state-level estimates · View source
In Biloxi, Mississippi, the projected median hourly pay for insurance agents stands at $23.70, which is significantly lower than the national median of $31.02. This rate reflects the context of typical employment settings, including captive agency storefronts, independent offices, and virtual platforms. For agents working part-time, such as three days a week, this translates to a gross earning potential of about $23,700 annually based on a 24-hour workweek. The hourly range for insurance agents in Biloxi goes from $14.22 at the 10th percentile up to $36.75 at the 90th percentile, indicating a wide spectrum of earnings that correlates with experience, client base, and the complexity of services offered. These figures, derived from annual salary estimates, suggest opportunities for both novice and seasoned professionals within this market.
About the Biloxi Market
Salary estimated from Mississippi average ($45,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $14.22 | $113.79 |
| Lower Range (P25) | $17.62 | $140.98 |
| Median (P50) | $23.70 | $189.63 |
| Upper Range (P75) | $30.34 | $242.76 |
| Top Earners (P90) | $36.75 | $293.98 |
Estimated Annual Income by Work Schedule in Biloxi
Based on $23.70/hr median hourly rate · 2026 est.
At $23.70/hr, a insurance agent working full-time (40 hr/wk) in Biloxi, MS can expect to earn approximately $49,304 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $28,444. With a cost-of-living index of 85.70 (below the national average), these earnings stretch further in Biloxi.
Hourly Rate Calculator
Schedule Comparison in Biloxi
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $948.15 | $4,109 | $49,304 |
| Part-Time (24 hrs) | $568.89 | $2,465 | $29,582 |
| Per Diem (16 hrs) | $379.26 | $1,643 | $19,721 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Biloxi) | $23.70 |
| 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 Biloxi, MS earn a median of $49,308 per year (2026 est.), which is 23.58% lower than the national median of $64,522 and 10.80% below the Mississippi state average of $55,278.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $23.70/hr = $29,582/year (purchasing power: $34,518).
Working 40h/week (full-time) = $49,304/year (purchasing power: $57,531).
CoL index: 85.7 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$18.71/hr
2025 BLS Actual
$22.88/hr
2026 Current Est.
$23.70/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Biloxi (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $18.71/hr | Actual |
| 2020 | $19.17/hr | Actual |
| 2021 | $18.31/hr | Actual |
| 2022 | $21.26/hr | Actual |
| 2023 | $21.70/hr | Actual |
| 2024 | $18.20/hr | Actual |
| 2025 | $22.88/hr | Actual |
| 2026(current) | $23.70/hr | Estimated |
| 2027 | $24.56/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Biloxi grew 22.3% from $18.71/hr (2019) to $22.88/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $24.56/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 Biloxi 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 Biloxi
Exploring the financial realities reveals that part-time agents may find themselves with a modest income when compared to their full-time counterparts. The dynamic of per diem and independent consulting work is relatively rare in this field, as most insurance positions are commission-based. While more seasoned consultants can command fees between $200 and $600 per hour, typical earnings for frontline agents remain grounded in hourly wages. In Biloxi, varying employer types can affect paycheck sizes — captive agents from companies like State Farm or Allstate may earn less than those affiliated with large brokerage firms like Aon or Marsh, which typically focus on commercial clients and command higher remuneration. Agents must often weigh the benefits offered, such as health insurance, against potentially higher hourly rates in independent or commercial roles without such perks. Negotiation is essential; understanding the local market and preparing to discuss commission structures or benefits can lead to better compensation in this competitive space.
More salary data for Biloxi, MS:
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 Biloxi. 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 Biloxi 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