Insurance Agent Hourly Pay in Nacogdoches, TX: $22.08 (2026)
Quick Answer:Hourly pay for a insurance agent working in Nacogdoches, TX runs $22.08 at the median for 2026 — annualizing to $45,928 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Nacogdoches's regional price level (BEA RPP 96.0, 4% below national), each hour of work buys what $23.00 nationally would. A 24-hour part-time schedule grosses $27,552 per year.
Based on BLS state-level estimates · View source
In Nacogdoches, Texas, the projected median hourly rate for insurance agents in 2026 is $22.08, which is notably lower than the national median of $31.02. This discrepancy highlights the unique economic landscape of the region, affecting those who may prefer part-time roles or per-diem opportunities in the insurance field. Typical employment scenarios include captive agent storefronts, independent agency offices, and virtual settings where agents perform policy quoting. The hourly compensation ranges from $13.83 at the lower end (entry-level positions) to $34.23 for the top earners who excel in commercial lines or in high-stakes roles such as risk consulting. These hourly estimates derive from annual salary data and reflect the current local dynamics within the insurance industry.
About the Nacogdoches 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) | $13.83 | $110.64 |
| Lower Range (P25) | $16.37 | $130.95 |
| Median (P50) | $22.08 | $176.62 |
| Upper Range (P75) | $28.26 | $226.10 |
| Top Earners (P90) | $34.23 | $273.84 |
Estimated Annual Income by Work Schedule in Nacogdoches
Based on $22.08/hr median hourly rate · 2026 est.
At $22.08/hr, a insurance agent working full-time (40 hr/wk) in Nacogdoches, TX can expect to earn approximately $45,920 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $26,493. With a cost-of-living index of 96.00 (below the national average), these earnings stretch further in Nacogdoches.
Hourly Rate Calculator
Schedule Comparison in Nacogdoches
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $883.09 | $3,827 | $45,920 |
| Part-Time (24 hrs) | $529.85 | $2,296 | $27,552 |
| Per Diem (16 hrs) | $353.23 | $1,531 | $18,368 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Nacogdoches) | $22.08 |
| 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 Nacogdoches, TX earn a median of $45,928 per year (2026 est.), which is 28.82% lower than the national median of $64,522 and 5.10% below the Texas state average of $48,396.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $22.08/hr = $27,552/year (purchasing power: $28,700).
Working 40h/week (full-time) = $45,920/year (purchasing power: $47,834).
CoL index: 96 (100 = national average). Your dollars stretch further here.
2019 BLS Actual
$17.43/hr
2025 BLS Actual
$21.31/hr
2026 Current Est.
$22.08/hr
2019–2027 Growth
+31.2%
Hourly Rate Trajectory for Insurance Agents in Nacogdoches (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $17.43/hr | Actual |
| 2020 | $17.85/hr | Actual |
| 2021 | $17.05/hr | Actual |
| 2022 | $19.80/hr | Actual |
| 2023 | $20.22/hr | Actual |
| 2024 | $28.47/hr | Actual |
| 2025 | $21.31/hr | Actual |
| 2026(current) | $22.08/hr | Estimated |
| 2027 | $22.87/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Nacogdoches grew 22.3% from $17.43/hr (2019) to $21.31/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $22.87/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 Nacogdoches 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 Nacogdoches
Part-time agents in Nacogdoches working three days a week (24 hours) can realistically expect to earn about $27,648 annually, a figure significantly lower than full-time counterparts. While traditional per-diem work is relatively uncommon, agents in contract roles often find compensation influenced by commission structures rather than hourly rates. In this market, individuals with specific qualifications, such as CPCU or CIC designations, can command higher fees—consultants may charge between $200-$400 per hour, and expert witnesses can go as high as $300-$600. The variance in hourly pay is tied closely to the type of employer; captive agents often earn less as they rely on single carriers, whereas independent agencies and brokerage firms may offer higher rates due to a broader portfolio. Agents must weigh the trade-off between lower hourly rates that provide benefits versus the potential for higher earnings without those perks. To maximize earning potential, negotiation skills play a vital role, especially in a market like Nacogdoches where familiarity with local clients and business practices can make a significant difference.
More salary data for Nacogdoches, 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 Nacogdoches. 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 Nacogdoches 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