Insurance Agent Hourly Pay in Lancaster, PA: $34.61 (2026)
Quick Answer:Hourly pay for a insurance agent working in Lancaster, PA runs $34.61 at the median for 2026 — annualizing to $72,002 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Lancaster's regional price level (BEA RPP 98.3, 2% below national), each hour of work buys what $35.23 nationally would. A 24-hour part-time schedule grosses $43,197 per year.
Official BLS data · View source
In 2026, the insurance agent hourly pay in Lancaster, Pennsylvania, is projected at $34.61, significantly surpassing the national hourly median of $31.02. This competitive rate can be particularly appealing for those considering part-time opportunities, such as those working three days a week in roles that span across captive agency storefronts, independent offices, and even remote policy quoting. Entry-level positions may begin at $23.40 per hour, while experienced professionals can earn up to $83.84 per hour, creating a diverse earning potential. As a result, the landscape is quite varied for insurance agents across Lancaster, which currently employs around 530 in this field.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $23.40 | $187.23 |
| Lower Range (P25) | $25.82 | $206.54 |
| Median (P50) | $34.61 | $276.90 |
| Upper Range (P75) | $48.55 | $388.38 |
| Top Earners (P90) | $83.84 | $670.75 |
Estimated Annual Income by Work Schedule in Lancaster
Based on $34.61/hr median hourly rate · 2026 est.
At $34.61/hr, a insurance agent working full-time (40 hr/wk) in Lancaster, PA can expect to earn approximately $71,995 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $41,535. With a cost-of-living index of 98.26 (below the national average), these earnings stretch further in Lancaster.
Hourly Rate Calculator
Schedule Comparison in Lancaster
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,384.51 | $6,000 | $71,995 |
| Part-Time (24 hrs) | $830.71 | $3,600 | $43,197 |
| Per Diem (16 hrs) | $553.80 | $2,400 | $28,798 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Lancaster) | $34.61 |
| 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 Lancaster, PA earn a median of $72,002 per year (2026 est.), which is 11.59% higher than the national median of $64,522 and 17.10% above the Pennsylvania state average of $61,488.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $34.61/hr = $43,197/year (purchasing power: $43,963).
Working 40h/week (full-time) = $71,995/year (purchasing power: $73,272).
CoL index: 98.257 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$24.17/hr
2025 BLS Actual
$33.41/hr
2026 Current Est.
$34.61/hr
2019–2027 Growth
+48.4%
Hourly Rate Trajectory for Insurance Agents in Lancaster (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.17/hr | Actual |
| 2020 | $24.57/hr | Actual |
| 2021 | $23.30/hr | Actual |
| 2022 | $27.34/hr | Actual |
| 2023 | $28.84/hr | Actual |
| 2024 | $29.81/hr | Actual |
| 2025 | $33.41/hr | Actual |
| 2026(current) | $34.61/hr | Estimated |
| 2027 | $35.86/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Lancaster grew 38.2% from $24.17/hr (2019) to $33.41/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $35.86/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 Lancaster 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 Lancaster
Part-time insurance agents working in Lancaster, who typically log about 24 hours a week, could expect to bring home a substantial sum annually, reflecting the competitive nature of the industry. However, many insurance professionals work primarily on a commission basis, making per diem or 1099 roles less common. Those with specialized credentials like CPCU often transition into consulting roles, billing considerably higher rates. Different firm types also influence hourly pay; for example, captive agents might earn lower hourly rates compared to those in independent agencies or large commercial brokerages that focus on specialty lines. Agents who choose the captive model often do so for the associated benefits, accepting potentially lower hourly rates in exchange for health insurance and other perks. Negotiation can be vital; understanding industry standards and local market trends is essential for maximizing compensation in the competitive Lancaster insurance landscape.
More salary data for Lancaster, PA:
Frequently Asked Questions
What is the hourly rate for insurance agents in Lancaster in 2026?
How much do part-time insurance agents make in Lancaster?
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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 Lancaster. 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