Insurance Agent Salary in Palm Coast, FL: $55,961 (2026)
Quick Answer:A full-time insurance agent in Palm Coast, FL earns a median $55,961/year (≈ $26.90/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Palm Coast's price level (1% above national, BEA RPP 100.8), that paycheck buys what $55,517 would nationally. Nominal pay sits 0.0% above the Florida state average.
Based on BLS state-level estimates · View source
The projected salary for insurance agents in Palm Coast, Florida, is notably $55,961 for 2026, reflecting a significant gap when compared to the national median of $64,522. Within the local market, salaries for this role range from $32,457 at the bottom to $86,739 at the highest end. Such figures derive from the estimated data based on 2025 BLS OEWS data, accounting for regional cost adjustments. Agents operating in Palm Coast may find themselves in various employment structures—ranging from captives like State Farm and Allstate to independent agencies and larger commercial brokerages. This structural divide distinctly influences earnings potential, depending on the model employed by the agency and the lines of business (personal vs. commercial).
About the Palm Coast Market
Salary estimated from Florida average ($62,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $32,457 | $15.60 |
| Lower Range (P25) | $40,849 | $19.64 |
| Median (P50)(typical) | $55,961 | $26.90 |
| Upper Range (P75) | $71,629 | $34.44 |
| Top Earners (P90) | $86,739 | $41.70 |
Median Salary Position
13.27% below the national average
2026 Salary Percentile Distribution in Palm Coast
In Palm Coast, FL, the insurance agent salary spread from the 10th to 90th percentile is $54,282 (2026 est.). At $55,961, the local median is 13.27% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Palm Coast: You'd be in the lower-middle range
How Palm Coast Insurance Agent Pay Compares
Palm Coast median: $55,961/year (2026)
| Compared To | Median Salary | Palm Coast Pays |
|---|---|---|
| National Average | $64,522 | -13.27% less |
Insurance Agents in Palm Coast, FL earn a median of $55,961 per year (2026 est.), which is 13.27% lower than the national median of $64,522.
Cost-of-Living Adjusted Salary
Palm Coast has a cost of living 0.80% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Palm Coast, FL has a cost-of-living index of 100.8 (above the national average of 100). While the nominal salary of $55,961 is competitive, the higher cost of living reduces purchasing power to an effective $55,517 — a 0.79% reduction.
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2019 BLS Actual
$44,181
2025 BLS Actual
$54,016
2026 Current Est.
$55,961
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Palm Coast (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $44,181 | Actual |
| 2020 | $45,256 | Actual |
| 2021 | $43,227 | Actual |
| 2022 | $50,182 | Actual |
| 2023 | $51,241 | Actual |
| 2024 | $62,497 | Actual |
| 2025 | $54,016 | Actual |
| 2026(current) | $55,961 | Estimated |
| 2027 | $57,975 | Projected |
Based on 7 years of BLS OEWS data for the Palm Coast metropolitan area, the median insurance agent salary grew 22.3% from $44,181 (2019) to $54,016 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $57,975 by 2027 — a total increase of $13,794 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Palm Coast 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.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $32,457 – $40,849 |
| 3-5 years (Mid Career) | $40,849 – $55,961 |
| 5+ years (Experienced) | $55,961 – $71,629 |
| 10+ years (Top Earner) | $71,629 – $86,739 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Palm Coast
In Palm Coast, there are currently 12 insurance agents employed, highlighting a compact yet competitive job market. The area's cost of living index of 100.8 signifies that while expenses are slightly above the national average, salaries tend to lag behind national trends, impacting take-home pay. Among the various types of employers, captive agents at companies such as Farmers and Liberty Mutual often receive more structured pay but with capped upside due to commission limits. Conversely, independent agencies and large brokerage firms like Aon or Marsh can offer higher earnings potential through a wider range of products and larger commercial accounts that attract higher commissions. Strategies for maximizing earnings in the local market include focusing on building a robust book of business and pursuing commercial lines, as they offer significantly higher commissions than personal lines. Understanding these dynamics is essential for insurance agents seeking to optimize their compensation in Palm Coast, FL.
More salary data for Palm Coast, FL:
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
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $54,016 for insurance agentsin the Palm Coast metropolitan area. A 3.60% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Palm Coast 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