Insurance Agent Salary in Hays, KS: $54,913 (2026)
Quick Answer:A full-time insurance agent in Hays, KS earns a median $54,913/year (≈ $26.40/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Hays's price level (9% below national, BEA RPP 90.9), that paycheck buys what $60,410 would nationally. Nominal pay sits 6.4% below the Kansas state average.
Based on BLS state-level estimates · View source
In Hays, Kansas, the projected compensation for insurance agents in 2026 reflects both the evolving dynamics of the local market and broader industry trends. With a median annual salary of $54,913, insurance agents in this area earn about 14.89% less than their national counterparts, who average $64,522. The salary ranges significantly, with the lowest 10 percent earning approximately $37,135 and the top 10 percent reaching up to $85,116. These figures, derived from 2025 BLS data adjusted for regional economic factors, highlight the substantial income potential driven by book-of-business dynamics, particularly through renewal commissions that can sustain and enhance earnings over time. The market in Hays indicates a modest growth rate of 3.60% annually, suggesting opportunities for compensation improvement in the years ahead.
About the Hays Market
Salary estimated from Kansas average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $37,135 | $17.85 |
| Lower Range (P25) | $43,786 | $21.05 |
| Median (P50)(typical) | $54,913 | $26.40 |
| Upper Range (P75) | $70,288 | $33.79 |
| Top Earners (P90) | $85,116 | $40.92 |
Median Salary Position
14.89% below the national average
2026 Salary Percentile Distribution in Hays
In Hays, KS, the insurance agent salary spread from the 10th to 90th percentile is $47,981 (2026 est.). At $54,913, the local median is 14.89% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Hays: You'd be in the lower-middle range
How Hays Insurance Agent Pay Compares
Hays median: $54,913/year (2026)
| Compared To | Median Salary | Hays Pays |
|---|---|---|
| Kansas Average | $58,668 | -6.40% less |
| National Average | $64,522 | -14.89% less |
Insurance Agents in Hays, KS earn a median of $54,913 per year (2026 est.), which is 14.89% lower than the national median of $64,522 and 6.40% below the Kansas state average of $58,668.
Cost-of-Living Adjusted Salary
Hays 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.
Hays, KS has a cost-of-living index of 90.9 (below the national average of 100). A insurance agent earning $54,913 nominally has purchasing power equivalent to $60,410 in an average-cost city — an effective 10.01% boost.
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2019 BLS Actual
$43,354
2025 BLS Actual
$53,005
2026 Current Est.
$54,913
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Hays (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $43,354 | Actual |
| 2020 | $44,409 | Actual |
| 2021 | $42,418 | Actual |
| 2022 | $49,243 | Actual |
| 2023 | $50,282 | Actual |
| 2024 | $49,362 | Actual |
| 2025 | $53,005 | Actual |
| 2026(current) | $54,913 | Estimated |
| 2027 | $56,890 | Projected |
Based on 7 years of BLS OEWS data for the Hays metropolitan area, the median insurance agent salary grew 22.3% from $43,354 (2019) to $53,005 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $56,890 by 2027 — a total increase of $13,536 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Hays 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) | $37,135 – $43,786 |
| 3-5 years (Mid Career) | $43,786 – $54,913 |
| 5+ years (Experienced) | $54,913 – $70,288 |
| 10+ years (Top Earner) | $70,288 – $85,116 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Hays
Currently, only five insurance agents are employed in Hays, KS, reflecting a relatively tight job market for this profession. The local cost-of-living index stands at 90.9, making it crucial for agents to consider their take-home pay and purchasing power in this context. Among the various employers, captive agents at well-known companies like State Farm and Allstate may offer more predictable pay structures, but independent agencies and large brokerages can provide competitive packages that potentially include higher commissions, especially in commercial lines, which often pay five to ten times more than personal lines. To maximize insurance agent pay in Hays, professionals should focus on building and maintaining a robust book of business, pursuing certifications like CPCU to increase credibility, and considering agency ownership where possible, as equity stakes can also significantly enhance financial rewards. The interplay between these factors dictates the income potential for agents in this regional market.
More salary data for Hays, 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 $53,005 for insurance agentsin the Hays 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 Hays 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