Insurance Agent Hourly Pay in Middletown, NY: $30.88 (2026)
Quick Answer:Hourly pay for a insurance agent working in Middletown, NY runs $30.88 at the median for 2026 — annualizing to $64,236 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Middletown's regional price level (BEA RPP 115.9, 16% above national), each hour of work buys what $26.65 nationally would. A 24-hour part-time schedule grosses $38,542 per year.
Based on BLS state-level estimates · View source
In 2026, the insurance agent hourly pay in Middletown, NY, is projected to reach a median of $30.88, closely aligning with the national median of $31.02. This hourly rate presents a viable opportunity for part-time agents, especially those working around three days a week, who can still achieve significant earnings by focusing on commission-based sales. The hourly pay range significantly varies, spanning from $20.30 for entry-level positions to $47.86 for top earners, demonstrating the diverse earning potential depending on experience and agency type. Agents can find themselves working in various settings such as captive agent storefronts, independent agency offices, or even in a remote capacity, reflecting the flexibility of this profession in Middletown that caters to the specific needs of clients.
About the Middletown Market
Salary estimated from New York average ($88,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $20.30 | $162.36 |
| Lower Range (P25) | $23.57 | $188.55 |
| Median (P50) | $30.88 | $247.07 |
| Upper Range (P75) | $39.53 | $316.27 |
| Top Earners (P90) | $47.86 | $382.91 |
Estimated Annual Income by Work Schedule in Middletown
Based on $30.88/hr median hourly rate · 2026 est.
At $30.88/hr, a insurance agent working full-time (40 hr/wk) in Middletown, NY can expect to earn approximately $64,237 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $37,060. With a cost-of-living index of 115.90 (above the national average), these earnings may be offset by higher expenses in Middletown.
Hourly Rate Calculator
Schedule Comparison in Middletown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,235.33 | $5,353 | $64,237 |
| Part-Time (24 hrs) | $741.20 | $3,212 | $38,542 |
| Per Diem (16 hrs) | $494.13 | $2,141 | $25,695 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Middletown) | $30.88 |
| 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 Middletown, NY earn a median of $64,236 per year (2026 est.), which is 0.44% lower than the national median of $64,522 and 3.30% below the New York state average of $66,428.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $30.88/hr = $38,542/year (purchasing power: $33,255).
Working 40h/week (full-time) = $64,237/year (purchasing power: $55,424).
CoL index: 115.9 (100 = national average).
2019 BLS Actual
$24.38/hr
2025 BLS Actual
$29.81/hr
2026 Current Est.
$30.88/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Middletown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.38/hr | Actual |
| 2020 | $24.98/hr | Actual |
| 2021 | $23.86/hr | Actual |
| 2022 | $27.69/hr | Actual |
| 2023 | $28.28/hr | Actual |
| 2024 | $47.39/hr | Actual |
| 2025 | $29.81/hr | Actual |
| 2026(current) | $30.88/hr | Estimated |
| 2027 | $31.99/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Middletown grew 22.3% from $24.38/hr (2019) to $29.81/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $31.99/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 Middletown 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 Middletown
Analyzing the part-time earning potential for insurance agents, working just 24 hours a week could yield a notable income, reflecting a realistic annual earnings scenario compared to full-time agents. While many agents receive compensation primarily on a commission basis, opportunities for per diem work are less common. Some independent consultants, particularly those with CPCU credentials, can command high hourly rates between $200 and $400 for specialized services. Different employer types in Middletown influence rates greatly, with captive agents from State Farm or Allstate often earning less than those in larger brokerage firms like Aon and Marsh, particularly within commercial lines. Many agents might opt for lower hourly rates due to the associated benefits like health insurance, a trade-off that can affect overall compensation. When negotiating hourly rates and potential earnings, it's advisable for agents to consider their market value based on the services they provide and to communicate those effectively to potential employers.
More salary data for Middletown, NY:
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 Middletown. 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 Middletown 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