Insurance Agent Hourly Pay in Shaker Heights, OH: $28.77 (2026)
Quick Answer:Hourly pay for a insurance agent working in Shaker Heights, OH runs $28.77 at the median for 2026 — annualizing to $59,842 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Shaker Heights's regional price level (BEA RPP 90.7, 9% below national), each hour of work buys what $31.72 nationally would. A 24-hour part-time schedule grosses $35,905 per year.
Based on BLS state-level estimates · View source
In Shaker Heights, Ohio, insurance agents earn a median hourly rate of $28.77, which is notably lower than the national median of $31.02. This hourly pay affects not just full-time employees, but also part-time workers who might operate for three days a week, offering flexibility in their working hours and potential for a manageable work-life balance. Those engaged in per-diem work can find opportunities in settings like captive agent storefronts or independent agency offices, as well as during client business visits and remote policy quoting sessions. Within the hourly rate spectrum in Shaker Heights, the lowest earners can expect approximately $18.76, while top performers earn up to $44.59, indicating a diverse earning potential linked to experience, expertise, and specific employer settings.
About the Shaker Heights Market
Salary estimated from Ohio average ($58,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.76 | $150.10 |
| Lower Range (P25) | $22.51 | $180.10 |
| Median (P50) | $28.77 | $230.16 |
| Upper Range (P75) | $36.83 | $294.64 |
| Top Earners (P90) | $44.59 | $356.72 |
Estimated Annual Income by Work Schedule in Shaker Heights
Based on $28.77/hr median hourly rate · 2026 est.
At $28.77/hr, a insurance agent working full-time (40 hr/wk) in Shaker Heights, OH can expect to earn approximately $59,841 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $34,524. With a cost-of-living index of 90.70 (below the national average), these earnings stretch further in Shaker Heights.
Hourly Rate Calculator
Schedule Comparison in Shaker Heights
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,150.79 | $4,987 | $59,841 |
| Part-Time (24 hrs) | $690.47 | $2,992 | $35,905 |
| Per Diem (16 hrs) | $460.32 | $1,995 | $23,936 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Shaker Heights) | $28.77 |
| 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 Shaker Heights, OH earn a median of $59,842 per year (2026 est.), which is 7.25% lower than the national median of $64,522 and 3.60% below the Ohio state average of $62,077.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $28.77/hr = $35,905/year (purchasing power: $39,586).
Working 40h/week (full-time) = $59,841/year (purchasing power: $65,977).
CoL index: 90.7 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$22.71/hr
2025 BLS Actual
$27.77/hr
2026 Current Est.
$28.77/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Shaker Heights (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $22.71/hr | Actual |
| 2020 | $23.27/hr | Actual |
| 2021 | $22.22/hr | Actual |
| 2022 | $25.80/hr | Actual |
| 2023 | $26.34/hr | Actual |
| 2024 | $24.39/hr | Actual |
| 2025 | $27.77/hr | Actual |
| 2026(current) | $28.77/hr | Estimated |
| 2027 | $29.81/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Shaker Heights grew 22.3% from $22.71/hr (2019) to $27.77/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $29.81/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 Shaker Heights 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 Shaker Heights
Examining the earning potential for part-time agents in Shaker Heights shows that someone working 24 hours per week would bring in about $36,000 annually, which contrasts with the full-time earnings that can reach much higher figures. Additionally, the per diem and agency employment landscape is dominated by commission-based pay structures, making traditional hourly assignments uncommon for insurance agents. Particularly lucrative roles, such as consulting risk managers, might command between $200-$400 per hour, with expert witnesses in coverage disputes potentially earning even more at $300-$600 per hour. The variety of employer types—including larger commercial brokerages, captive agents, and independent agencies—creates distinct pay scales. For those willing to accept positions with lower hourly rates, benefits like health insurance can often compensate for the financial trade-off. Agents in Shaker Heights should be strategic in salary negotiations, focusing on the overall compensation package to secure a fair deal that aligns with their career objectives and market conditions.
More salary data for Shaker Heights, OH:
Frequently Asked Questions
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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 Shaker Heights. 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 Shaker Heights 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