Insurance Agent Hourly Pay in Cedar Hill, TX: $23.00 (2026)
Quick Answer:Hourly pay for a insurance agent working in Cedar Hill, TX runs $23.00 at the median for 2026 — annualizing to $47,842 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Cedar Hill's regional price level (BEA RPP 96.0, 4% below national), each hour of work buys what $23.96 nationally would. A 24-hour part-time schedule grosses $28,703 per year.
Based on BLS state-level estimates · View source
In Cedar Hill, Texas, the insurance agent hourly pay stands at a median rate of $23.00, which is significantly below the national hourly median of $31.02. This difference indicates that those working part-time in this profession, perhaps only three days a week, can expect to earn approximately $1,104 a month before taxes, a feasible income for individuals looking for supplemental work. The hourly pay ranges from $14.08 for entry-level positions to $35.65 for top earners in the area. Many insurance agents operate in various settings such as independent agency offices, captive agent storefronts, and even while conducting virtual policy quoting, reflecting the versatility of work arrangements available to them. Moreover, the compensation structures across Cedar Hill are derived from 2026 projections, making this information relevant for prospective agents keen on understanding the market landscape.
About the Cedar Hill Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $14.08 | $112.63 |
| Lower Range (P25) | $17.30 | $138.41 |
| Median (P50) | $23.00 | $183.99 |
| Upper Range (P75) | $29.44 | $235.54 |
| Top Earners (P90) | $35.65 | $285.19 |
Estimated Annual Income by Work Schedule in Cedar Hill
Based on $23.00/hr median hourly rate · 2026 est.
At $23.00/hr, a insurance agent working full-time (40 hr/wk) in Cedar Hill, TX can expect to earn approximately $47,838 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $27,599. With a cost-of-living index of 96.00 (below the national average), these earnings stretch further in Cedar Hill.
Hourly Rate Calculator
Schedule Comparison in Cedar Hill
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $919.97 | $3,987 | $47,838 |
| Part-Time (24 hrs) | $551.98 | $2,392 | $28,703 |
| Per Diem (16 hrs) | $367.99 | $1,595 | $19,135 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Cedar Hill) | $23.00 |
| 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 Cedar Hill, TX earn a median of $47,842 per year (2026 est.), which is 25.85% lower than the national median of $64,522 and 1.10% below the Texas state average of $48,375.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $23.00/hr = $28,703/year (purchasing power: $29,899).
Working 40h/week (full-time) = $47,838/year (purchasing power: $49,832).
CoL index: 96 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$18.16/hr
2025 BLS Actual
$22.20/hr
2026 Current Est.
$23.00/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Cedar Hill (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $18.16/hr | Actual |
| 2020 | $18.60/hr | Actual |
| 2021 | $17.77/hr | Actual |
| 2022 | $20.62/hr | Actual |
| 2023 | $21.06/hr | Actual |
| 2024 | $29.66/hr | Actual |
| 2025 | $22.20/hr | Actual |
| 2026(current) | $23.00/hr | Estimated |
| 2027 | $23.83/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Cedar Hill grew 22.3% from $18.16/hr (2019) to $22.20/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $23.83/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 Cedar Hill 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 Cedar Hill
In exploring the earning potential for part-time insurance agents, those working a 24-hour week could take home around $13,728 annually, showcasing a clear disparity when compared to full-time earnings. The nature of compensation in the insurance field often favors commission-based structures, leading to less common per-diem opportunities for agents. While consulting roles may see former CPCU-credentialed brokers earning upwards of $200 to $400 per hour, many agents in Cedar Hill primarily focus on building steady book volumes with captive agency models. Notably, insurance agents with benefits packages may opt for lower hourly rates, understanding that health insurance can provide essential security. Moreover, negotiating hourly terms in Cedar Hill could be influenced by the diverse employer types, including prestigious commercial brokerage firms and independent agencies, which often dictate pay and benefits differently within the local market. Ultimately, insurance agents should carefully evaluate their employment settings and potential perks to align their career choices with both financial and personal health considerations.
More salary data for Cedar Hill, TX:
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 Cedar Hill. 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 Cedar Hill 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