Insurance Agent Hourly Pay in North Kingstown, RI: $29.90 (2026)
Quick Answer:Hourly pay for a insurance agent working in North Kingstown, RI runs $29.90 at the median for 2026 — annualizing to $62,192 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against North Kingstown's regional price level (BEA RPP 100.5, 1% above national), each hour of work buys what $29.75 nationally would. A 24-hour part-time schedule grosses $37,314 per year.
Based on BLS state-level estimates · View source
In North Kingstown, RI, insurance agents can expect a median hourly rate of $29.90, which is slightly below the national median of $31.02 for the profession. This rate reflects the earnings potential for agents working in various settings such as captive agent storefronts, independent agency offices, commercial brokerage floors, client business visits, and remote policy quoting. With an hourly range spanning from $19.24 for entry-level positions to $46.34 for experienced agents, individuals working part-time (for example, three days a week) can effectively manage their schedules while still maximizing their earnings. This flexibility makes the insurance sector an appealing option for those prioritizing a work-life balance or seeking per-diem opportunities in North Kingstown.
About the North Kingstown Market
Salary estimated from Rhode Island average ($62,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $19.24 | $153.91 |
| Lower Range (P25) | $23.21 | $185.65 |
| Median (P50) | $29.90 | $239.19 |
| Upper Range (P75) | $38.27 | $306.16 |
| Top Earners (P90) | $46.34 | $370.72 |
Estimated Annual Income by Work Schedule in North Kingstown
Based on $29.90/hr median hourly rate · 2026 est.
At $29.90/hr, a insurance agent working full-time (40 hr/wk) in North Kingstown, RI can expect to earn approximately $62,190 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,879. With a cost-of-living index of 100.50 (above the national average), these earnings may be offset by higher expenses in North Kingstown.
Hourly Rate Calculator
Schedule Comparison in North Kingstown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,195.96 | $5,182 | $62,190 |
| Part-Time (24 hrs) | $717.58 | $3,109 | $37,314 |
| Per Diem (16 hrs) | $478.38 | $2,073 | $24,876 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (North Kingstown) | $29.90 |
| 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 North Kingstown, RI earn a median of $62,192 per year (2026 est.), which is 3.61% lower than the national median of $64,522 and 4.10% below the Rhode Island state average of $64,851.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.90/hr = $37,314/year (purchasing power: $37,128).
Working 40h/week (full-time) = $62,190/year (purchasing power: $61,880).
CoL index: 100.5 (100 = national average).
2019 BLS Actual
$23.61/hr
2025 BLS Actual
$28.86/hr
2026 Current Est.
$29.90/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in North Kingstown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.61/hr | Actual |
| 2020 | $24.18/hr | Actual |
| 2021 | $23.10/hr | Actual |
| 2022 | $26.81/hr | Actual |
| 2023 | $27.38/hr | Actual |
| 2024 | $28.73/hr | Actual |
| 2025 | $28.86/hr | Actual |
| 2026(current) | $29.90/hr | Estimated |
| 2027 | $30.98/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in North Kingstown grew 22.3% from $23.61/hr (2019) to $28.86/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.98/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 North Kingstown 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 North Kingstown
For insurance agents considering part-time work in North Kingstown, dedicating 24 hours per week could yield up to $37,393 annually, based on current hourly rates. However, many professionals in this field rely primarily on commission rather than fixed per-diem compensation. While per-diem insurance agent pay in North Kingstown is not the norm, experienced consultants, particularly those with credentials like the CPCU, can command rates of $200-$400 per hour. It's crucial to recognize that the nature of the employer plays a significant role in hourly compensation; agents in captive roles typically earn less compared to their counterparts in independent or large commercial brokerage firms. Furthermore, the decision between accepting a lower hourly rate with steady benefits versus a higher hourly rate without benefits is a common trade-off for agents. Practical negotiation strategies, such as understanding the specific compensation structures of different types of agencies, can provide valuable insights for those looking to maximize their earnings in this competitive field.
More salary data for North Kingstown, RI:
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 North Kingstown. 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 North Kingstown 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