Insurance Agent Hourly Pay in Laredo, TX: $21.55 (2026)
Quick Answer:Hourly pay for a insurance agent working in Laredo, TX runs $21.55 at the median for 2026 — annualizing to $44,817 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Laredo's regional price level (BEA RPP 87.0, 13% below national), each hour of work buys what $24.78 nationally would. A 24-hour part-time schedule grosses $26,893 per year.
Official BLS data · View source
In Laredo, TX, insurance agents earn a median hourly rate of $21.55, which is considerably lower than the national hourly median of $31.02. This discrepancy means that part-time insurance agents working three days a week could expect to earn around $1,038 weekly, which translates to roughly $54,000 annually if they can find consistent work through various roles such as at captive agency storefronts, independent brokerage offices, or during client visits. Laredo’s hourly pay range for insurance agents spans from $13.73 at entry-level positions to $53.07 for those at the higher end of the spectrum, based on official BLS data. These figures highlight the earning potential variability depending on experience and the types of roles engaged, whether in-office or in field-based positions focusing on policy quoting.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $13.73 | $109.82 |
| Lower Range (P25) | $17.20 | $137.58 |
| Median (P50) | $21.55 | $172.39 |
| Upper Range (P75) | $29.22 | $233.72 |
| Top Earners (P90) | $53.07 | $424.59 |
Estimated Annual Income by Work Schedule in Laredo
Based on $21.55/hr median hourly rate · 2026 est.
At $21.55/hr, a insurance agent working full-time (40 hr/wk) in Laredo, TX can expect to earn approximately $44,822 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $25,859. With a cost-of-living index of 86.96 (below the national average), these earnings stretch further in Laredo.
Hourly Rate Calculator
Schedule Comparison in Laredo
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $861.95 | $3,735 | $44,822 |
| Part-Time (24 hrs) | $517.17 | $2,241 | $26,893 |
| Per Diem (16 hrs) | $344.78 | $1,494 | $17,929 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Laredo) | $21.55 |
| 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 Laredo, TX earn a median of $44,817 per year (2026 est.), which is 30.54% lower than the national median of $64,522 and 7.40% below the Texas state average of $48,399.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $21.55/hr = $26,893/year (purchasing power: $30,927).
Working 40h/week (full-time) = $44,822/year (purchasing power: $51,545).
CoL index: 86.956 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$17.87/hr
2025 BLS Actual
$20.80/hr
2026 Current Est.
$21.55/hr
2019–2027 Growth
+24.9%
Hourly Rate Trajectory for Insurance Agents in Laredo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $17.87/hr | Actual |
| 2020 | $17.37/hr | Actual |
| 2021 | $18.45/hr | Actual |
| 2022 | $16.92/hr | Actual |
| 2023 | $14.04/hr | Actual |
| 2024 | $17.45/hr | Actual |
| 2025 | $20.80/hr | Actual |
| 2026(current) | $21.55/hr | Estimated |
| 2027 | $22.32/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Laredo grew 16.4% from $17.87/hr (2019) to $20.80/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $22.32/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 Laredo 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 Laredo
When considering part-time work, a three-day week for an insurance agent could yield significantly lower income on an annual basis compared to full-time positions. For instance, an agent's average annual income working part-time would range around $27,000—much lower than what full-time agents pull, often due to the commission structure that dominates the industry. Contract roles, including per-diem positions, can offer flexibility; however, such engagements are less common in Laredo. Unlike some consulting roles that can charge clients significantly higher fees, most insurance compensation is still commission-based, leaving agents reliant on client renewals and policy sales. Differences in hourly rates can be pronounced depending on whether an agent works in a captive agency environment like State Farm or independently alongside larger commercial firms, where rates align more closely with their risk management skills. Agents contemplating work arrangements should weigh hourly versus benefits such as health insurance against their pay, making informed choices that align with their financial goals and career trajectories.
More salary data for Laredo, TX:
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 Laredo. 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