Insurance Agent Hourly Pay in Clarksville, TN: $24.68 (2026)
Quick Answer:Hourly pay for a insurance agent working in Clarksville, TN runs $24.68 at the median for 2026 — annualizing to $51,334 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Clarksville's regional price level (BEA RPP 90.9, 9% below national), each hour of work buys what $27.13 nationally would. A 24-hour part-time schedule grosses $30,798 per year.
Official BLS data · View source
In Clarksville, the insurance agent hourly pay is projected to be $24.68 in 2026, significantly lower than the national median of $31.02 per hour. This pay structure offers part-time workers, such as those working three days a week, or per-diem agents opportunities to work flexible schedules while earning a competitive wage. Those who are just starting in the field can expect pay at the lower end of the hourly range, which starts at $18.38, while more experienced agents could earn as much as $64.33 an hour. This data comes from 2025 BLS OEWS data, projected to 2026, reflecting the diverse environments in which insurance agents operate, from captive agency storefronts to remote virtual settings, and allows for different compensation structures based on agency type and service scope.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.38 | $147.03 |
| Lower Range (P25) | $19.30 | $154.41 |
| Median (P50) | $24.68 | $197.42 |
| Upper Range (P75) | $33.18 | $265.46 |
| Top Earners (P90) | $64.33 | $514.60 |
Estimated Annual Income by Work Schedule in Clarksville
Based on $24.68/hr median hourly rate · 2026 est.
At $24.68/hr, a insurance agent working full-time (40 hr/wk) in Clarksville, TN can expect to earn approximately $51,329 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $29,613. With a cost-of-living index of 90.95 (below the national average), these earnings stretch further in Clarksville.
Hourly Rate Calculator
Schedule Comparison in Clarksville
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $987.10 | $4,277 | $51,329 |
| Part-Time (24 hrs) | $592.26 | $2,566 | $30,798 |
| Per Diem (16 hrs) | $394.84 | $1,711 | $20,532 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Clarksville) | $24.68 |
| 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 Clarksville, TN earn a median of $51,334 per year (2026 est.), which is 20.44% lower than the national median of $64,522 and 9.80% below the Tennessee state average of $56,911.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $24.68/hr = $30,798/year (purchasing power: $33,863).
Working 40h/week (full-time) = $51,329/year (purchasing power: $56,439).
CoL index: 90.947 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$18.25/hr
2025 BLS Actual
$23.82/hr
2026 Current Est.
$24.68/hr
2019–2027 Growth
+40.1%
Hourly Rate Trajectory for Insurance Agents in Clarksville (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $18.25/hr | Actual |
| 2020 | $17.67/hr | Actual |
| 2021 | $21.04/hr | Actual |
| 2022 | $23.60/hr | Actual |
| 2023 | $23.28/hr | Actual |
| 2024 | $23.51/hr | Actual |
| 2025 | $23.82/hr | Actual |
| 2026(current) | $24.68/hr | Estimated |
| 2027 | $25.57/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Clarksville grew 30.5% from $18.25/hr (2019) to $23.82/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $25.57/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 Clarksville 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 Clarksville
Examining the part-time earning potential, an insurance agent working just 24 hours a week can expect to earn approximately $30,000 annually, a stark contrast to full-time work that may yield an annual compensation exceeding $51,334. The insurance industry primarily relies on commission-based pay, and while per-diem options are less common in Clarksville, independent consultations—especially in commercial lines—can bring in substantially higher rates. For instance, former brokers emitting expert advice might charge between $200 and $400 an hour. Different employer types greatly influence pay; captive agents might face stiffer commission rates, while large brokerages offer broader pay ranges and benefits. The trade-off of accepting a lower hourly rate with a captive agency may be offset by health benefits, appealing for those who prefer stability. For those negotiating hourly pay, understanding local market demands and emphasizing unique qualifications, such as CPCU or CIC certifications, can help leverage better compensation in this growing field.
More salary data for Clarksville, TN:
Frequently Asked Questions
What is the hourly rate for insurance agents in Clarksville in 2026?
How much do part-time insurance agents make in Clarksville?
Are insurance agents in Clarksville paid hourly or salary?
How much does a full-time insurance agent make per year in Clarksville?
Do insurance agents earn more per hour working part-time in Clarksville?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Tennessee
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 Clarksville. 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