Insurance Agent Salary in Garden City, KS: $58,127 (2026)
Quick Answer:A full-time insurance agent in Garden City, KS earns a median $58,127/year (≈ $27.94/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Garden City's price level (9% below national, BEA RPP 90.9), that paycheck buys what $63,946 would nationally. Nominal pay sits 0.9% below the Kansas state average.
Based on BLS state-level estimates · View source
In Garden City, Kansas, the projected median salary for insurance agents in 2026 is $58,127, which reflects a competitive but slightly lower figure compared to the national median of $64,522. Local estimates indicate a salary range from $35,762 at the lower 10th percentile to $90,097 at the 90th percentile, offering a diverse spectrum of earning potential. The data, derived from 2025 BLS estimates and adjusted for regional price variations, highlights the varied structural landscape within the local insurance market. Captive agents, often seen with companies like State Farm and Allstate, usually gain stable pay, while independent agencies and commercial brokerages offer distinct opportunities that could drive higher compensation depending on the agent’s experience and book of business.
About the Garden City Market
Salary estimated from Kansas average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $35,762 | $17.20 |
| Lower Range (P25) | $43,905 | $21.10 |
| Median (P50)(typical) | $58,127 | $27.94 |
| Upper Range (P75) | $74,402 | $35.77 |
| Top Earners (P90) | $90,097 | $43.32 |
Median Salary Position
9.91% below the national average
2026 Salary Percentile Distribution in Garden City
In Garden City, KS, the insurance agent salary spread from the 10th to 90th percentile is $54,335 (2026 est.). At $58,127, the local median is 9.91% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Garden City: You'd be in the lower-middle range
How Garden City Insurance Agent Pay Compares
Garden City median: $58,127/year (2026)
| Compared To | Median Salary | Garden City Pays |
|---|---|---|
| Kansas Average | $58,655 | -0.90% less |
| National Average | $64,522 | -9.91% less |
Insurance Agents in Garden City, KS earn a median of $58,127 per year (2026 est.), which is 9.91% lower than the national median of $64,522 and 0.90% below the Kansas state average of $58,655.
Cost-of-Living Adjusted Salary
Garden City has a cost of living 9.10% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Garden City, KS has a cost-of-living index of 90.9 (below the national average of 100). A insurance agent earning $58,127 nominally has purchasing power equivalent to $63,946 in an average-cost city — an effective 10.01% boost.
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2019 BLS Actual
$45,891
2025 BLS Actual
$56,107
2026 Current Est.
$58,127
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Garden City (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $45,891 | Actual |
| 2020 | $47,008 | Actual |
| 2021 | $44,900 | Actual |
| 2022 | $52,125 | Actual |
| 2023 | $53,224 | Actual |
| 2024 | $52,251 | Actual |
| 2025 | $56,107 | Actual |
| 2026(current) | $58,127 | Estimated |
| 2027 | $60,219 | Projected |
Based on 7 years of BLS OEWS data for the Garden City metropolitan area, the median insurance agent salary grew 22.3% from $45,891 (2019) to $56,107 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $60,219 by 2027 — a total increase of $14,328 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Garden City 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) | $35,762 – $43,905 |
| 3-5 years (Mid Career) | $43,905 – $58,127 |
| 5+ years (Experienced) | $58,127 – $74,402 |
| 10+ years (Top Earner) | $74,402 – $90,097 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Garden City
Despite its modest job market, with only six insurance agents currently employed in Garden City, the local cost of living index of 90.9 signifies a somewhat lower living expense compared to the national average. This financial reality means the purchasing power of insurance agent pay in Garden City KS may offer a decent lifestyle, especially for those who strategically build their books of business. Among local employers, captive agents tend to earn competitive wages, although independent agents can potentially exceed those figures, particularly when handling commercial lines, which generally offer much higher commission rates. The disparity in salaries is often driven by various factors including agency ownership equity, commission structures, and the complexity of policies sold. Agents that focus on commercial lines and establish a robust referral network typically maximize their earning potential in this environment, making strategic choices crucial for advancing their careers and improving pay.
More salary data for Garden City, KS:
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 $56,107 for insurance agentsin the Garden City 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 Garden City 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