Insurance Agent Hourly Pay in South Kingstown, RI: $29.59 (2026)
Quick Answer:Hourly pay for a insurance agent working in South Kingstown, RI runs $29.59 at the median for 2026 — annualizing to $61,553 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against South Kingstown's regional price level (BEA RPP 100.5, 1% above national), each hour of work buys what $29.44 nationally would. A 24-hour part-time schedule grosses $36,926 per year.
Based on BLS state-level estimates · View source
In 2026, the insurance agent hourly pay in South Kingstown, Rhode Island, is projected to be $29.59, which lags behind the national hourly median of $31.02. This rate provides a decent income for both full-time and part-time insurance agents, particularly those working three days a week who can expect to earn approximately $22,882 annually if they work around 24 hours each week. The hourly pay range varies significantly from entry-level positions at $18.45 to top earners making up to $45.87. These rates reflect the dynamics of various working environments, with agents often found in settings such as independent agency offices, commercial brokerage firms, or even working remotely to provide policy quotes.
About the South 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) | $18.45 | $147.61 |
| Lower Range (P25) | $22.60 | $180.76 |
| Median (P50) | $29.59 | $236.71 |
| Upper Range (P75) | $37.88 | $303.01 |
| Top Earners (P90) | $45.87 | $366.99 |
Estimated Annual Income by Work Schedule in South Kingstown
Based on $29.59/hr median hourly rate · 2026 est.
At $29.59/hr, a insurance agent working full-time (40 hr/wk) in South Kingstown, RI can expect to earn approximately $61,543 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $35,506. With a cost-of-living index of 100.50 (above the national average), these earnings may be offset by higher expenses in South Kingstown.
Hourly Rate Calculator
Schedule Comparison in South Kingstown
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,183.53 | $5,129 | $61,543 |
| Part-Time (24 hrs) | $710.12 | $3,077 | $36,926 |
| Per Diem (16 hrs) | $473.41 | $2,051 | $24,617 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (South Kingstown) | $29.59 |
| 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 South Kingstown, RI earn a median of $61,553 per year (2026 est.), which is 4.60% lower than the national median of $64,522 and 5.10% below the Rhode Island state average of $64,861.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $29.59/hr = $36,926/year (purchasing power: $36,742).
Working 40h/week (full-time) = $61,543/year (purchasing power: $61,237).
CoL index: 100.5 (100 = national average).
2019 BLS Actual
$23.36/hr
2025 BLS Actual
$28.56/hr
2026 Current Est.
$29.59/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in South Kingstown (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $23.36/hr | Actual |
| 2020 | $23.93/hr | Actual |
| 2021 | $22.86/hr | Actual |
| 2022 | $26.53/hr | Actual |
| 2023 | $27.09/hr | Actual |
| 2024 | $28.44/hr | Actual |
| 2025 | $28.56/hr | Actual |
| 2026(current) | $29.59/hr | Estimated |
| 2027 | $30.65/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in South Kingstown grew 22.3% from $23.36/hr (2019) to $28.56/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $30.65/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 South 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 South Kingstown
When considering the practicalities of part-time work, agents focusing on a 3-day schedule may find it more financially viable to seek contract or per diem opportunities. However, traditional employment is generally more stable, as most insurance roles rely on commissions tied to performance, making per diem insurance agent pay in South Kingstown less common. Agents affiliated with captive companies or independent agencies might see different compensation structures; for instance, those closely tied to well-established insurance carriers may benefit from consistent hourly rates but lose flexibility in commission-based income from independent operations. Furthermore, large brokerages may offer better compensation in specialized roles, especially in commercial lines, where those possessing advanced credentials like CPCU have greater negotiating power. Agents considering their career trajectory should assess trade-offs, weighing potential benefits like health insurance against hourly pay rate variations across different employer types in the area. Practical negotiation strategies, including articulating the value of industry experience and certifications, can also contribute significantly to improving pay rates in South Kingstown.
More salary data for South Kingstown, RI:
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 South 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 South 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