Insurance Agent Salary in Hawaii: $67,934 (2026)
Quick Answer:Across Hawaii's 10 metropolitan areas, the average median insurance agent pay sits at $67,934/year heading into 2026 — a figure projected from 2025 BLS OEWS wage data for SOC 41-3021. Because Hawaii sits at BEA RPP 119.3 (19% above the U.S. baseline), that statewide median translates to roughly $56,944 in nationally-comparable purchasing power. Highest-paying metros: Honolulu ($79,060), Kaneohe ($73,832), Mililani Town ($73,700).
In 2026, the average median salary for insurance agents in Hawaii is projected to be $67,934, which is 5.3% higher than the national median of $64,522. The highest-paying city for this occupation is Honolulu, where agents can expect to earn $81,906 annually. In contrast, Kahului offers the lowest salary at $65,589. This salary gap can be attributed to factors such as the cost of living, population density, and business activity. Urban areas like Honolulu tend to have higher demand for insurance products, driving up compensation for agents. Hawaii-specific factors include stringent state licensing requirements that mandate agents to complete pre-licensing education and pass competency exams. Additionally, the state's unique geographical challenges and demographic patterns can influence the scope of practice for agents, often necessitating specialized knowledge in sectors like maritime or tourism insurance. With a projected annual growth rate of 3.60%, the job market for insurance agents in Hawaii appears strong. As the economy evolves and residents seek adequate coverage, the demand for insurance services is expected to rise, providing further opportunities in this field. Overall, agents can look forward to a stable occupational outlook within the state.
Hawaii Insurance Agent Salary Range
Overall salary range in Hawaii: $39,285 (lowest entry-level) to $126,955 (highest top earner)
Hawaii vs National Average
Hawaii insurance agents earn 5.29% more than the national median (+$3,412/year difference).
Hawaii Insurance Agent Salary Distribution (2026)
Insurance Agent salaries in Hawaii range from $40,576 (entry-level, 10th percentile) to $114,049 (top earners, 90th percentile), with a median of $67,934. The Hawaii median is $3,412 above the US national median of $64,522. The average hourly rate is $32.66/hr. Approximately 1,000 insurance agents are employed across 10 cities.
2019 BLS Actual
$52,516
2025 BLS Actual
$65,573
2026 Current Est.
$67,934
2019–2027 Growth
+34.0%
Salary Trajectory for Insurance Agents in Hawaii (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $52,516 | Actual |
| 2020 | $51,757 | Actual |
| 2021 | $48,880 | Actual |
| 2022 | $60,186 | Actual |
| 2023 | $58,361 | Actual |
| 2024 | $65,604 | Actual |
| 2025 | $65,573 | Actual |
| 2026(current) | $67,934 | Estimated |
| 2027 | $70,380 | Projected |
Based on 7 years of BLS OEWS data for the Hawaii metropolitan area, the median insurance agent salary grew 24.9% from $52,516 (2019) to $65,573 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $70,380 by 2027 — a total increase of $17,864 (34.02%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Hawaii 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.
Top 5 Highest Paying Cities in Hawaii
Lowest Paying Cities in Hawaii
| City | Median Salary |
|---|---|
| Kahului | $65,589 |
| Urban Honolulu | $66,480 |
| Hilo | $73,044 |
| Pearl City | $74,710 |
| Waipahu | $75,427 |
Best Value Cities for Insurance Agents in Hawaii
When adjusted for local cost of living, these Hawaii cities offer the most purchasing power for insurance agents.
| City | Nominal Salary | CoL Index | Adjusted Salary |
|---|---|---|---|
| Honolulu | $81,906 | 119.3 | $68,655 |
| Kaneohe | $76,490 | 119.3 | $64,116 |
| Mililani Town | $76,353 | 119.3 | $64,001 |
| Kailua | $76,306 | 119.3 | $63,961 |
| East Honolulu | $75,457 | 119.3 | $63,250 |
Adjusted salary = nominal salary × (100 / CoL index). CoL index: 100 = national average. Lower index = lower cost of living.
Salary by Experience Level in Hawaii
| Experience Level | Estimated Annual |
|---|---|
| Entry Level (0-2 years) | $40,576 |
| Mid Career (3-7 years) | $67,934 |
| Experienced (7+ years) | $114,049 |
Estimates based on BLS percentile data averaged across Hawaii metro areas. Individual pay varies by employer, certifications, and specialization.
All 10 Cities in Hawaii
| # | City | Median Salary |
|---|---|---|
| 1 | Honolulu | $81,906 |
| 2 | Kaneohe | $76,490 |
| 3 | Mililani Town | $76,353 |
| 4 | Kailua | $76,306 |
| 5 | East Honolulu | $75,457 |
| 6 | Waipahu | $75,427 |
| 7 | Pearl City | $74,710 |
| 8 | Hilo | $73,044 |
| 9 | Urban Honolulu | $66,480 |
| 10 | Kahului | $65,589 |
More Hawaii Salary Data
Senior / Experienced
Top earner salaries for experienced insurance agents.
Explore More Insurance Agent Salary Data
Frequently Asked Questions
How much do insurance agents make in Hawaii in 2026?
What is the highest paying city for insurance agents in Hawaii?
How does Hawaii insurance agent pay compare to the national average?
What is the entry-level insurance agent salary in Hawaii?
How many insurance agents are employed in Hawaii?
Which Hawaii city offers the best value for insurance agents?
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
Statewide 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. A 3.60% compound annual growth rate (CAGR), derived from 6-year national BLS wage trends, was applied to each metro area's reported salary to estimate current 2026 insurance agent compensation across Hawaii. State averages are employment-weighted across 10 metro areas — larger metro areas with more insurance agentscontribute proportionally more to the average, producing figures that better reflect typical compensation. Individual pay varies by city, employer, certifications, and experience.
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