Insurance Agent Hourly Pay in Bismarck, ND: $32.17 (2026)
Quick Answer:Hourly pay for a insurance agent working in Bismarck, ND runs $32.17 at the median for 2026 — annualizing to $66,915 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Bismarck's regional price level (BEA RPP 91.0, 9% below national), each hour of work buys what $35.34 nationally would. A 24-hour part-time schedule grosses $40,145 per year.
Official BLS data · View source
In 2026, insurance agents in Bismarck, North Dakota, can expect an hourly median pay of $32.17, slightly above the national hourly median of $31.02. This difference indicates robust earning potential within the city, supporting both full-time and part-time roles in various settings, including captive agent storefronts and independent agency offices. Part-time agents working three days a week could earn approximately $1,536 per week based on a 24-hour work schedule, offering flexibility without compromising compensation. The hourly pay range goes from $23.36 at the entry-level (P10) to $74.96 for top earners (P90), reflecting a significant disparity based on experience and specialization, such as commercial lines versus personal lines insurance, all rooted in the official Bureau of Labor Statistics data.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $23.36 | $186.89 |
| Lower Range (P25) | $23.82 | $190.54 |
| Median (P50) | $32.17 | $257.34 |
| Upper Range (P75) | $38.88 | $311.05 |
| Top Earners (P90) | $74.96 | $599.72 |
Estimated Annual Income by Work Schedule in Bismarck
Based on $32.17/hr median hourly rate · 2026 est.
At $32.17/hr, a insurance agent working full-time (40 hr/wk) in Bismarck, ND can expect to earn approximately $66,909 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $38,601. With a cost-of-living index of 91.02 (below the national average), these earnings stretch further in Bismarck.
Hourly Rate Calculator
Schedule Comparison in Bismarck
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,286.71 | $5,576 | $66,909 |
| Part-Time (24 hrs) | $772.03 | $3,345 | $40,145 |
| Per Diem (16 hrs) | $514.68 | $2,230 | $26,764 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Bismarck) | $32.17 |
| 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 Bismarck, ND earn a median of $66,915 per year (2026 est.), which is 3.71% higher than the national median of $64,522 and 12.70% above the North Dakota state average of $59,375.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $32.17/hr = $40,145/year (purchasing power: $44,104).
Working 40h/week (full-time) = $66,909/year (purchasing power: $73,507).
CoL index: 91.024 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$20.35/hr
2025 BLS Actual
$31.05/hr
2026 Current Est.
$32.17/hr
2019–2027 Growth
+63.8%
Hourly Rate Trajectory for Insurance Agents in Bismarck (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $20.35/hr | Actual |
| 2020 | $25.00/hr | Actual |
| 2021 | $29.76/hr | Actual |
| 2022 | $30.40/hr | Actual |
| 2023 | $30.02/hr | Actual |
| 2024 | $28.34/hr | Actual |
| 2025 | $31.05/hr | Actual |
| 2026(current) | $32.17/hr | Estimated |
| 2027 | $33.33/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Bismarck grew 52.6% from $20.35/hr (2019) to $31.05/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $33.33/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 Bismarck 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 Bismarck
Transitioning to the earning potential for a part-time insurance agent in Bismarck, those working just three days a week could take home around $80,000 annually, significantly less than their full-time counterparts yet still competitive given the local market. In many cases, the per diem insurance agent pay in Bismarck tends to be less common, with compensation primarily driven by commission structures rather than fixed hourly rates, unlike positions in larger brokerages where risk managers can command $200 to $400 per hour. Hourly rates will typically vary depending on employer types; for instance, captive agents may offer more stability with benefits, while independent agencies or large firms may present higher rates but with different perks. Agents could negotiate their compensation, improving their hourly rate potential by highlighting their credentials or willingness to specialize further in particular areas of coverage. Such dynamics illustrate the variety of income options available and how they depend on the agent's niche, work model, and employer choice.
More salary data for Bismarck, ND:
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 Bismarck. Part-time and full-time income estimates assume consistent weekly hours and do not account for overtime, benefits, or seasonal variation.
Data Sources & Methodology
Source: BLS, OEWS, 7-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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