Insurance Agent Hourly Pay in Ogden, UT: $23.03 (2026)
Quick Answer:Hourly pay for a insurance agent working in Ogden, UT runs $23.03 at the median for 2026 — annualizing to $47,905 at a standard 2,080-hour year. Figures projected from BLS OEWS 2025 (SOC 41-3021). Weighted against Ogden's regional price level (BEA RPP 100.3, 0% above national), each hour of work buys what $22.95 nationally would. A 24-hour part-time schedule grosses $28,742 per year.
Official BLS data · View source
In Ogden, Utah, the insurance agent hourly pay is projected to be $23.03 for 2026, which is significantly lower than the national hourly median of $31.02. This hourly rate illustrates the economic landscape for part-time or per-diem insurance agents who often work in captive agent storefronts, independent agency offices, or engage in client business visits. For those considering a part-time schedule such as three days a week, this equates to a manageable income that can supplement other commitments. The hourly earnings range from $18.30 for entry-level positions to $61.50 for the most experienced professionals, showcasing the diverse earning potential within the field. These figures are derived from official BLS data based on 2025 BLS OEWS projections to 2026, reflecting the market conditions that insurance agents in Ogden face.
Insurance Agent Hourly Wage Breakdown
| Percentile | Hourly Rate | Per 8hr Shift |
|---|---|---|
| Entry Level (P10) | $18.30 | $146.37 |
| Lower Range (P25) | $22.72 | $181.76 |
| Median (P50) | $23.03 | $184.24 |
| Upper Range (P75) | $38.25 | $305.99 |
| Top Earners (P90) | $61.50 | $491.98 |
Estimated Annual Income by Work Schedule in Ogden
Based on $23.03/hr median hourly rate · 2026 est.
At $23.03/hr, a insurance agent working full-time (40 hr/wk) in Ogden, UT can expect to earn approximately $47,903 per year (2026 est.). Part-time hygienists working 24 hours per week would earn around $27,636. With a cost-of-living index of 100.35 (above the national average), these earnings may be offset by higher expenses in Ogden.
Hourly Rate Calculator
Schedule Comparison in Ogden
| Schedule | Weekly | Monthly | Annual |
|---|---|---|---|
| Full-Time (40 hrs) | $921.21 | $3,992 | $47,903 |
| Part-Time (24 hrs) | $552.73 | $2,395 | $28,742 |
| Per Diem (16 hrs) | $368.48 | $1,597 | $19,161 |
Compare Agent Wages With Similar Roles
| Role | Median Hourly |
|---|---|
| Insurance Agent (Ogden) | $23.03 |
| 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 Ogden, UT earn a median of $47,905 per year (2026 est.), which is 25.75% lower than the national median of $64,522 and 12.10% below the Utah state average of $54,499.
Insurance Agent Hourly Pay vs. Cost of Living
Working 24h/week at $23.03/hr = $28,742/year (purchasing power: $28,642).
Working 40h/week (full-time) = $47,903/year (purchasing power: $47,736).
CoL index: 100.349 (100 = national average).
2019 BLS Actual
$17.22/hr
2025 BLS Actual
$22.23/hr
2026 Current Est.
$23.03/hr
2019–2027 Growth
+38.6%
Hourly Rate Trajectory for Insurance Agents in Ogden (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Hourly Rate | Status |
|---|---|---|
| 2019 | $17.22/hr | Actual |
| 2020 | $15.49/hr | Actual |
| 2021 | $18.39/hr | Actual |
| 2022 | $18.05/hr | Actual |
| 2023 | $22.98/hr | Actual |
| 2024 | $22.69/hr | Actual |
| 2025 | $22.23/hr | Actual |
| 2026(current) | $23.03/hr | Estimated |
| 2027 | $23.86/hr | Projected |
Based on 7 years of BLS OEWS metropolitan area data, the median hourly rate for insurance agents in Ogden grew 29.1% from $17.22/hr (2019) to $22.23/hr (2025). At a 3.60% projected growth rate, hourly pay is expected to reach $23.86/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 Ogden 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 Ogden
When analyzing the financial prospects for part-time insurance agents in Ogden, a typical three-day workweek translates to around 1,440 hours annually, resulting in an approximate income of $33,184—far less than what full-time agents earn. Most practitioners in this profession primarily work on commission; thus, per diem roles are somewhat rare. Those who operate as independent consultants or possess advanced credentials such as CPCU can command significantly higher rates, often billing between $200 and $600 for specialized services. Furthermore, hourly rates may vary significantly depending on employer type in Ogden. Captive agents often receive lower pay but may have benefits, whereas independent agents and those affiliated with larger commercial brokerages may earn more but have to forgo traditional employee benefits. Understanding one's worth and being prepared to negotiate effectively are crucial in this evolving market, especially given the shift prioritizing commission structures over flat hourly pay in the insurance industry.
More salary data for Ogden, UT:
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 Ogden. 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