Insurance Agent Hourly Pay in Pawtucket, RI: $31.14 (2026)
Quick Answer:Hourly pay for a insurance agent working in Pawtucket, RI runs $31.14 at the median for 2026 — annualizing to $64,774 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Pawtucket's regional price level (BEA RPP 100.5, 1% above national), each hour of work buys what $30.99 nationally would. A 24-hour part-time schedule grosses $38,865 per year.
Based on BLS state-level estimates · View source
In Pawtucket, Rhode Island, the insurance agent hourly pay stands at a promising $31.14, slightly higher than the national median of $31.02. This median rate provides a solid framework for part-time professionals, who typically work about three days a week. For agents in different environments—be it a captive agent storefront, an independent agency, or client visits for commercial inspections—the hourly figure translates into a sustainable income. Entry-level agents earn approximately $18.06 per hour, while the top-tier earners can command $48.27. The compelling range of hourly rates reflects the diverse skill sets and specialties within the insurance sector, influenced by factors such as experience levels and the type of clientele served.
About the Pawtucket 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) | $18.06 | $144.46 |
| Lower Range (P25) | $22.69 | $181.51 |
| Median (P50) | $31.14 | $249.14 |
| Upper Range (P75) | $39.87 | $318.92 |
| Top Earners (P90) | $48.27 | $386.14 |
Estimated Annual Income by Work Schedule in Pawtucket
Based on $31.14/hr median hourly rate · 2026 est.
At $31.14/hr, a insurance agent working full-time (40 hr/wk) in Pawtucket, RI can expect to earn approximately $64,776 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $37,371. With a cost-of-living index of 100.50 (above the national average), these earnings may be offset by higher expenses in Pawtucket.
Hourly Rate Calculator
Schedule Comparison in Pawtucket
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,245.69 | $5,398 | $64,776 |
| Part-Time (24 hrs) | $747.41 | $3,239 | $38,865 |
| Per Diem (16 hrs) | $498.27 | $2,159 | $25,910 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Pawtucket) | $31.14 |
| 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 Pawtucket, RI earn a median of $64,774 per year (2026 est.), which is 0.39% higher than the national median of $64,522 and 0.10% below the Rhode Island state average of $64,839.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $31.14/hr = $38,865/year (purchasing power: $38,672).
Working 40h/week (full-time) = $64,776/year (purchasing power: $64,453).
CoL index: 100.5 (100 = national average).
2019 BLS Actual
$24.59/hr
2025 BLS Actual
$30.06/hr
2026 Current Est.
$31.14/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Pawtucket (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.59/hr | Actual |
| 2020 | $25.19/hr | Actual |
| 2021 | $24.06/hr | Actual |
| 2022 | $27.93/hr | Actual |
| 2023 | $28.52/hr | Actual |
| 2024 | $29.92/hr | Actual |
| 2025 | $30.06/hr | Actual |
| 2026(current) | $31.14/hr | Estimated |
| 2027 | $32.26/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Pawtucket grew 22.3% from $24.59/hr (2019) to $30.06/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $32.26/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 Pawtucket 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 Pawtucket
Looking more closely at the earning potential for part-time workers in this role, a typical agent working 24 hours a week would take home around $38,172 annually, compared to a full-timer. Most insurance pay structures are commission-based, leading to variations in the per diem insurance agent pay in Pawtucket. Consulting roles might exceed typical agent earnings; for instance, CPCU-credentialed consultants can bill significantly higher, in the range of $200 to $400 per hour. Differences in hourly rates often arise from employment types, whether agents are aligned with captive firms like State Farm or independent agencies, which might offer varying benefits. While higher hourly pay may attract some, the availability of health insurance and retirement plans can sway agents towards lower-paying positions. Practical negotiation entails understanding these trade-offs, along with preparing arguments based on local market trends and agent roles in the shifting Pawtucket insurance landscape.
More salary data for Pawtucket, RI:
Frequently Asked Questions
What is the hourly rate for insurance agents in Pawtucket in 2026?
How much do part-time insurance agents make in Pawtucket?
Are insurance agents in Pawtucket paid hourly or salary?
How much does a full-time insurance agent make per year in Pawtucket?
Do insurance agents earn more per hour working part-time in Pawtucket?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Rhode Island
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 Pawtucket. 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 Pawtucket 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