Insurance Agent Salary in Liberal, KS: $54,702 (2026)
Quick Answer:A full-time insurance agent in Liberal, KS earns a median $54,702/year (≈ $26.30/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Liberal's price level (9% below national, BEA RPP 90.9), that paycheck buys what $60,178 would nationally. Nominal pay sits 6.7% below the Kansas state average.
Based on BLS state-level estimates · View source
In Liberal, Kansas, insurance agents can expect a median annual salary of $54,702 in 2026, which is notably below the national figure of $64,522. The salary range for these professionals spans from $36,456 at the 10th percentile to as high as $84,788 at the 90th percentile. These figures are derived from estimations based on 2025 BLS data, with adjustments made for regional cost factors. The variance in pay reflects the competitive nature of the industry in Liberal, where agents may find different compensation structures based on their employment model—captive agents at companies like State Farm or Allstate may initially receive more support and training incentives, while independent agents often pursue higher commissions based on their sales and client retention.
About the Liberal Market
Salary estimated from Kansas average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $36,456 | $17.53 |
| Lower Range (P25) | $43,357 | $20.84 |
| Median (P50)(typical) | $54,702 | $26.30 |
| Upper Range (P75) | $70,018 | $33.66 |
| Top Earners (P90) | $84,788 | $40.77 |
Median Salary Position
15.22% below the national average
2026 Salary Percentile Distribution in Liberal
In Liberal, KS, the insurance agent salary spread from the 10th to 90th percentile is $48,332 (2026 est.). At $54,702, the local median is 15.22% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Liberal: You'd be in the lower-middle range
How Liberal Insurance Agent Pay Compares
Liberal median: $54,702/year (2026)
| Compared To | Median Salary | Liberal Pays |
|---|---|---|
| Kansas Average | $58,630 | -6.70% less |
| National Average | $64,522 | -15.22% less |
Insurance Agents in Liberal, KS earn a median of $54,702 per year (2026 est.), which is 15.22% lower than the national median of $64,522 and 6.70% below the Kansas state average of $58,630.
Cost-of-Living Adjusted Salary
Liberal 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.
Liberal, KS has a cost-of-living index of 90.9 (below the national average of 100). A insurance agent earning $54,702 nominally has purchasing power equivalent to $60,178 in an average-cost city — an effective 10.01% boost.
Compare Purchasing Power
Select a city to see how your salary compares after cost of living
Select a city above to compare purchasing power
2019 BLS Actual
$43,187
2025 BLS Actual
$52,801
2026 Current Est.
$54,702
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Liberal (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $43,187 | Actual |
| 2020 | $44,238 | Actual |
| 2021 | $42,254 | Actual |
| 2022 | $49,054 | Actual |
| 2023 | $50,088 | Actual |
| 2024 | $49,172 | Actual |
| 2025 | $52,801 | Actual |
| 2026(current) | $54,702 | Estimated |
| 2027 | $56,671 | Projected |
Based on 7 years of BLS OEWS data for the Liberal metropolitan area, the median insurance agent salary grew 22.3% from $43,187 (2019) to $52,801 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $56,671 by 2027 — a total increase of $13,484 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Liberal 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) | $36,456 – $43,357 |
| 3-5 years (Mid Career) | $43,357 – $54,702 |
| 5+ years (Experienced) | $54,702 – $70,018 |
| 10+ years (Top Earner) | $70,018 – $84,788 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Liberal
The local job market for insurance agents in Liberal comprises only four employed agents, emphasizing the need for adaptability and networking in such a small pool. The cost of living index stands at 90.9, indicating that while salaries may seem lower than national averages, purchasing power remains relatively intact. Captive agents, particularly from companies like American Family and Liberty Mutual, often earn more than their independent counterparts, especially since they benefit from structured bonus plans. However, those in the independent sector could maximize their earnings by focusing on commercial lines of insurance, which can net significantly higher commissions compared to personal lines. For agents in Liberal, strategies such as building a robust book of business and considering agency ownership can offer substantial long-term financial benefits, as profits gained through renewals compound over time.
More salary data for Liberal, KS:
Frequently Asked Questions
How much do insurance agents make in Liberal, KS in 2026?
Is Liberal, KS a good place to work as a insurance agent?
Can insurance agents make $100K in Liberal?
What is the cost-of-living adjusted insurance agent salary in Liberal?
How much does a insurance agent make per hour in Liberal?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Kansas
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 $52,801 for insurance agentsin the Liberal 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 Liberal 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