Insurance Agent Hourly Pay in Johnson City, TN: $31.58 (2026)
Quick Answer:Hourly pay for a insurance agent working in Johnson City, TN runs $31.58 at the median for 2026 — annualizing to $65,682 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Johnson City's regional price level (BEA RPP 87.9, 12% below national), each hour of work buys what $35.91 nationally would. A 24-hour part-time schedule grosses $39,408 per year.
Official BLS data · View source
Insurance agents in Johnson City, TN, earn a median hourly rate of $31.58, which slightly surpasses the national median of $31.02. This hourly compensation is particularly attractive for part-time and per-diem workers who may find themselves in diverse settings such as independent agency offices, client business visits, or engaged in remote policy quoting. With entry-level positions starting at around $18.93 and top earners reaching up to $31.58 per hour, the hourly pay scale presents a viable option for those considering flexible work arrangements in the insurance sector. Data from 2025 BLS OEWS, projected to 2026, highlights both the opportunity for growth and the stability associated with this profession in Johnson City.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.93 | $151.42 |
| Lower Range (P25) | $23.01 | $184.08 |
| Median (P50) | $31.58 | $252.62 |
| Upper Range (P75) | $31.58 | $252.62 |
| Top Earners (P90) | $31.58 | $252.62 |
Estimated Annual Income by Work Schedule in Johnson City
Based on $31.58/hr median hourly rate · 2026 est.
At $31.58/hr, a insurance agent working full-time (40 hr/wk) in Johnson City, TN can expect to earn approximately $65,681 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $37,893. With a cost-of-living index of 87.93 (below the national average), these earnings stretch further in Johnson City.
Hourly Rate Calculator
Schedule Comparison in Johnson City
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $1,263.09 | $5,473 | $65,681 |
| Part-Time (24 hrs) | $757.85 | $3,284 | $39,408 |
| Per Diem (16 hrs) | $505.24 | $2,189 | $26,272 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Johnson City) | $31.58 |
| 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 Johnson City, TN earn a median of $65,682 per year (2026 est.), which is 1.80% higher than the national median of $64,522 and 15.40% above the Tennessee state average of $56,917.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $31.58/hr = $39,408/year (purchasing power: $44,819).
Working 40h/week (full-time) = $65,681/year (purchasing power: $74,698).
CoL index: 87.928 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$24.86/hr
2025 BLS Actual
$30.48/hr
2026 Current Est.
$31.58/hr
2019–2027 Growth
+31.6%
Hourly Rate Trajectory for Insurance Agents in Johnson City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $24.86/hr | Actual |
| 2020 | $28.04/hr | Actual |
| 2021 | $17.26/hr | Actual |
| 2022 | $21.86/hr | Actual |
| 2023 | $21.81/hr | Actual |
| 2024 | $21.42/hr | Actual |
| 2025 | $30.48/hr | Actual |
| 2026(current) | $31.58/hr | Estimated |
| 2027 | $32.71/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Johnson City grew 22.6% from $24.86/hr (2019) to $30.48/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $32.71/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 Johnson City 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 Johnson City
Analyzing the potential for part-time insurance agents reveals a differing financial picture compared to full-time positions. A full-time insurance agent typically achieves substantial earnings, but those working just three days a week, clocking in around 24 hours, would take home significantly less annually. Moreover, while per-diem insurance agent pay in Johnson City offers flexibility, it often leans heavily on commission-based compensation, which can be inconsistent. Consulting roles, such as former CPCU-credentialed brokers, can command significantly higher rates, ranging from $200 to $400 per hour due to the expertise involved. The variance in hourly rates also stems from employer types; captive agents often earn less but may receive benefits, whereas independent agents or those in large brokerages may see higher hourly wages without the perks. Understanding these dynamics is crucial for successful negotiations, especially in a market where benefits such as health insurance can compromise higher hourly pay.
More salary data for Johnson City, TN:
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 Johnson City. 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