Insurance Agent Hourly Pay in Atlantic City, NJ: $34.50 (2026)
Quick Answer:Hourly pay for a insurance agent working in Atlantic City, NJ runs $34.50 at the median for 2026 — annualizing to $71,763 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Atlantic City's regional price level (BEA RPP 115.2, 15% above national), each hour of work buys what $29.95 nationally would. A 24-hour part-time schedule grosses $43,055 per year.
Based on BLS state-level estimates · View source
In Atlantic City, NJ, the projected median hourly pay for insurance agents in 2026 is $34.50, which is notably higher than the national median of $31.02. This increased hourly rate benefits those working part-time, allowing agents who might only work three days a week to still earn a competitive wage, particularly in various settings such as independent agency offices, captive agent storefronts, or during client visits for commercial inspections. For entry-level positions, hourly wages may start around $22.56, while top earners can command up to $53.48 per hour. These hourly rates are derived from the annual salary estimates but provide a clearer picture of what agents can expect on the ground in a local market characterized by a cost of living index of 115.2, which is above the national average.
About the Atlantic City Market
Salary estimated from New Jersey average ($82,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $22.56 | $180.51 |
| Lower Range (P25) | $27.06 | $216.48 |
| Median (P50) | $34.50 | $275.99 |
| Upper Range (P75) | $44.16 | $353.32 |
| Top Earners (P90) | $53.48 | $427.83 |
Estimated Annual Income by Work Schedule in Atlantic City
Based on $34.50/hr median hourly rate · 2026 est.
At $34.50/hr, a insurance agent working full-time (40 hr/wk) in Atlantic City, NJ can expect to earn approximately $71,758 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $41,399. With a cost-of-living index of 115.20 (above the national average), these earnings may be offset by higher expenses in Atlantic City.
Hourly Rate Calculator
Schedule Comparison in Atlantic City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,379.95 | $5,980 | $71,758 |
| Part-Time (24 hrs) | $827.97 | $3,588 | $43,055 |
| Per Diem (16 hrs) | $551.98 | $2,392 | $28,703 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Atlantic City) | $34.50 |
| 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 Atlantic City, NJ earn a median of $71,763 per year (2026 est.), which is 11.22% higher than the national median of $64,522 and 3.50% below the New Jersey state average of $74,365.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $34.50/hr = $43,055/year (purchasing power: $37,374).
Working 40h/week (full-time) = $71,758/year (purchasing power: $62,289).
CoL index: 115.2 (100 = national average).
2019 BLS Actual
$17.10/hr
2025 BLS Actual
$33.30/hr
2026 Current Est.
$34.50/hr
2019–2027 Growth
+109.0%
Hourly Rate Trajectory for Insurance Agents in Atlantic City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $17.10/hr | Actual |
| 2020 | $27.90/hr | Actual |
| 2021 | $23.63/hr | Actual |
| 2022 | $29.20/hr | Actual |
| 2023 | $32.91/hr | Actual |
| 2024 | $36.94/hr | Actual |
| 2025 | $33.30/hr | Actual |
| 2026(current) | $34.50/hr | Estimated |
| 2027 | $35.74/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Atlantic City grew 94.7% from $17.10/hr (2019) to $33.30/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $35.74/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 Atlantic 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 Atlantic City
Regarding earning potential, a part-time insurance agent working 24 hours a week can anticipate an annual income of approximately $43,056, significantly lower than that of full-time colleagues, but still reasonable for part-time work. Per diem arrangements in Atlantic City are less common in this profession, particularly as most agents earn through commissions rather than hourly pay. Some consulting roles, particularly those involving risk management, can attract rates of $200 to $400 per hour, demonstrating a stark contrast to standard agency work. Additionally, hourly pay may fluctuate based on the type of employer, with captive agents typically offering lower base rates compared to large brokerage firms, which often pay higher for specialized lines. Agents may have to make a trade-off between higher hourly rates and health insurance benefits that some employers provide. Negotiating hourly rates effectively can be crucial for establishing a sustainable career in this evolving insurance landscape, especially for those starting in Atlantic City.
More salary data for Atlantic City, NJ:
Frequently Asked Questions
What is the hourly rate for insurance agents in Atlantic City in 2026?
How much do part-time insurance agents make in Atlantic City?
Are insurance agents in Atlantic City paid hourly or salary?
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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 Atlantic 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 Atlantic 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