Insurance Agent Hourly Pay in Valley Stream, NY: $31.01 (2026)
Quick Answer:Hourly pay for a insurance agent working in Valley Stream, NY runs $31.01 at the median for 2026 — annualizing to $64,504 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Valley Stream's regional price level (BEA RPP 115.9, 16% above national), each hour of work buys what $26.75 nationally would. A 24-hour part-time schedule grosses $38,697 per year.
Based on BLS state-level estimates · View source
Valley Stream's insurance agents are projected to earn a median hourly rate of $31.01 in 2026, which is slightly below the national median of $31.02. This hourly compensation offers a viable option for many professionals, particularly those looking for part-time roles, such as working three days a week, which could translate to a steady income. Per-diem workers also find opportunities within this framework, engaging in various settings—from storefront offices to virtual policy quoting. The hourly pay range extends from $17.98 for entry-level positions to $48.07 for top earners, reflecting the level of experience and the type of employer. These figures are essential for understanding the financial expectations in the insurance field, especially given that they are estimated from annual salary data.
About the Valley Stream 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) | $17.98 | $143.88 |
| Lower Range (P25) | $24.51 | $196.09 |
| Median (P50) | $31.01 | $248.06 |
| Upper Range (P75) | $39.70 | $317.60 |
| Top Earners (P90) | $48.07 | $384.56 |
Estimated Annual Income by Work Schedule in Valley Stream
Based on $31.01/hr median hourly rate · 2026 est.
At $31.01/hr, a insurance agent working full-time (40 hr/wk) in Valley Stream, NY can expect to earn approximately $64,496 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $37,209. With a cost-of-living index of 115.90 (above the national average), these earnings may be offset by higher expenses in Valley Stream.
Hourly Rate Calculator
Schedule Comparison in Valley Stream
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,240.30 | $5,375 | $64,496 |
| Part-Time (24 hrs) | $744.18 | $3,225 | $38,697 |
| Per Diem (16 hrs) | $496.12 | $2,150 | $25,798 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Valley Stream) | $31.01 |
| 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 Valley Stream, NY earn a median of $64,504 per year (2026 est.), which is 0.03% lower than the national median of $64,522 and 2.90% below the New York state average of $66,431.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $31.01/hr = $38,697/year (purchasing power: $33,389).
Working 40h/week (full-time) = $64,496/year (purchasing power: $55,648).
CoL index: 115.9 (100 = national average).
2019 BLS Actual
$24.48/hr
2025 BLS Actual
$29.93/hr
2026 Current Est.
$31.01/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Valley Stream (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.48/hr | Actual |
| 2020 | $25.08/hr | Actual |
| 2021 | $23.95/hr | Actual |
| 2022 | $27.81/hr | Actual |
| 2023 | $28.39/hr | Actual |
| 2024 | $47.59/hr | Actual |
| 2025 | $29.93/hr | Actual |
| 2026(current) | $31.01/hr | Estimated |
| 2027 | $32.12/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Valley Stream grew 22.3% from $24.48/hr (2019) to $29.93/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $32.12/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 Valley Stream 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 Valley Stream
Part-time insurance agents in Valley Stream can anticipate annual earnings of approximately $38,368 if working 24 hours a week, a significant contrast to their full-time counterparts. While per-diem and 1099 arrangements can be tempting, most insurance agents earn primarily through commission-based structures. This makes it challenging for freelance consultants and locum agents to yield substantial income, especially compared to their peers who may bill upwards of $300 at the high end for specialized consulting or litigation support. Moreover, hourly rates will fluctuate depending on the employer—captive agents within firms like State Farm and Allstate typically earn less than those working at major brokerage firms or independent agencies. Some insurance agents may accept lower hourly pay in exchange for benefits such as health insurance, while others may prioritize a higher hourly rate without these perks. For those negotiating pay in Valley Stream, understanding the nuances between employer types and being prepared to discuss total compensation—including both hourly rate and benefits—can prove advantageous.
More salary data for Valley Stream, 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 Valley Stream. 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 Valley Stream 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