Insurance Agent Salary in Hopkinsville, KY: $59,513 (2026)
Quick Answer:A full-time insurance agent in Hopkinsville, KY earns a median $59,513/year (≈ $28.61/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Hopkinsville's price level (11% below national, BEA RPP 89.3), that paycheck buys what $66,644 would nationally. Nominal pay sits 2.6% below the Kentucky state average.
Based on BLS state-level estimates · View source
In Hopkinsville, KY, the projected salary for insurance agents in 2026 stands at $59,513, which reflects a local market slightly below the national average of $64,522. With a salary range from $34,996 at the lower end (P10) to $92,245 at the upper end (P90), there is significant variability that can be attributed to factors such as the agent’s book of business and commission structure. These figures are derived from estimates based on 2025 BLS data, accounting for local cost adjustments, which paint a comprehensive picture of the earning potential for agents in the area. The market dynamics indicate a solid opportunity for growth, particularly as renewal commissions can provide a steady income stream that compounds over time, adding to the overall appeal of this career in the thriving insurance sector of Hopkinsville.
About the Hopkinsville Market
Salary estimated from Kentucky average ($52,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $34,996 | $16.82 |
| Lower Range (P25) | $43,709 | $21.01 |
| Median (P50)(typical) | $59,513 | $28.61 |
| Upper Range (P75) | $76,177 | $36.62 |
| Top Earners (P90) | $92,245 | $44.35 |
Median Salary Position
7.76% below the national average
2026 Salary Percentile Distribution in Hopkinsville
In Hopkinsville, KY, the insurance agent salary spread from the 10th to 90th percentile is $57,249 (2026 est.). At $59,513, the local median is 7.76% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Hopkinsville: You'd be in the lower-middle range
How Hopkinsville Insurance Agent Pay Compares
Hopkinsville median: $59,513/year (2026)
| Compared To | Median Salary | Hopkinsville Pays |
|---|---|---|
| Kentucky Average | $61,102 | -2.60% less |
| National Average | $64,522 | -7.76% less |
Insurance Agents in Hopkinsville, KY earn a median of $59,513 per year (2026 est.), which is 7.76% lower than the national median of $64,522 and 2.60% below the Kentucky state average of $61,102.
Cost-of-Living Adjusted Salary
Hopkinsville has a cost of living 10.70% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Hopkinsville, KY has a cost-of-living index of 89.3 (below the national average of 100). A insurance agent earning $59,513 nominally has purchasing power equivalent to $66,644 in an average-cost city — an effective 11.98% boost.
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2019 BLS Actual
$46,985
2025 BLS Actual
$57,445
2026 Current Est.
$59,513
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Hopkinsville (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $46,985 | Actual |
| 2020 | $48,129 | Actual |
| 2021 | $45,971 | Actual |
| 2022 | $53,368 | Actual |
| 2023 | $54,493 | Actual |
| 2024 | $45,250 | Actual |
| 2025 | $57,445 | Actual |
| 2026(current) | $59,513 | Estimated |
| 2027 | $61,655 | Projected |
Based on 7 years of BLS OEWS data for the Hopkinsville metropolitan area, the median insurance agent salary grew 22.3% from $46,985 (2019) to $57,445 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $61,655 by 2027 — a total increase of $14,670 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Hopkinsville 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) | $34,996 – $43,709 |
| 3-5 years (Mid Career) | $43,709 – $59,513 |
| 5+ years (Experienced) | $59,513 – $76,177 |
| 10+ years (Top Earner) | $76,177 – $92,245 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Hopkinsville
The local job market for insurance agents is relatively small, with only six agents currently employed in Hopkinsville. The cost of living index at 89.3 suggests that expenses are lower than the national average, enhancing the purchasing power of agents in the area. Notably, employers like State Farm and Allstate tend to offer competitive pay, particularly for captive agents, while independent agencies and large brokerages might provide greater earning potential for those with a robust book of business or specialization in commercial lines. The disparity in pay can largely be influenced by factors such as the size of an agent's book of business, the nature of the insurance products sold (commercial lines often yielding higher commissions than personal lines), and the type of agency structure (captive versus independent). Agents looking to maximize their pay in this market should consider building a diverse client base and focusing on commercial policies to capitalize on higher commission rates.
More salary data for Hopkinsville, KY:
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 $57,445 for insurance agentsin the Hopkinsville 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 Hopkinsville 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