Insurance Agent Salary in Quincy, MA: $78,551 (2026)
Quick Answer:A full-time insurance agent in Quincy, MA earns a median $78,551/year (≈ $37.76/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Quincy's price level (9% above national, BEA RPP 108.5), that paycheck buys what $72,397 would nationally. Nominal pay sits 0.8% below the Massachusetts state average.
Based on BLS state-level estimates · View source
In Quincy, Massachusetts, the projected insurance agent salary in 2026 is $78,551, reflecting a competitive position compared to the national average of $64,522. The salary range varies significantly, from $47,337 at the lower end (P10) to $121,754 at the upper end (P90). The estimates are based on 2025 BLS data and account for local economic conditions and regional price parity, highlighting the opportunities available within the market. As the dynamics of compensation evolve, factors such as the employment structure—ranging from captive agents at companies like State Farm and Allstate to independent agents and commercial brokerages—play a vital role in determining earning potential in Quincy.
About the Quincy Market
Salary estimated from Massachusetts average ($82,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $47,337 | $22.76 |
| Lower Range (P25) | $58,842 | $28.29 |
| Median (P50)(typical) | $78,551 | $37.76 |
| Upper Range (P75) | $100,545 | $48.34 |
| Top Earners (P90) | $121,754 | $58.53 |
Median Salary Position
21.74% above the national average
2026 Salary Percentile Distribution in Quincy
In Quincy, MA, the insurance agent salary spread from the 10th to 90th percentile is $74,417 (2026 est.). At $78,551, the local median is 21.74% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Quincy: You'd be in the lower-middle range
How Quincy Insurance Agent Pay Compares
Quincy median: $78,551/year (2026)
| Compared To | Median Salary | Quincy Pays |
|---|---|---|
| Massachusetts Average | $79,184 | -0.80% less |
| National Average | $64,522 | +21.74% more |
Insurance Agents in Quincy, MA earn a median of $78,551 per year (2026 est.), which is 21.74% higher than the national median of $64,522 and 0.80% below the Massachusetts state average of $79,184.
Cost-of-Living Adjusted Salary
Quincy has a cost of living 8.50% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Quincy, MA has a cost-of-living index of 108.5 (above the national average of 100). While the nominal salary of $78,551 is competitive, the higher cost of living reduces purchasing power to an effective $72,397 — a 7.83% reduction.
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2019 BLS Actual
$62,015
2025 BLS Actual
$75,821
2026 Current Est.
$78,551
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Quincy (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $62,015 | Actual |
| 2020 | $63,525 | Actual |
| 2021 | $60,676 | Actual |
| 2022 | $70,440 | Actual |
| 2023 | $71,925 | Actual |
| 2024 | $88,267 | Actual |
| 2025 | $75,821 | Actual |
| 2026(current) | $78,551 | Estimated |
| 2027 | $81,378 | Projected |
Based on 7 years of BLS OEWS data for the Quincy metropolitan area, the median insurance agent salary grew 22.3% from $62,015 (2019) to $75,821 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $81,378 by 2027 — a total increase of $19,363 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Quincy 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) | $47,337 – $58,842 |
| 3-5 years (Mid Career) | $58,842 – $78,551 |
| 5+ years (Experienced) | $78,551 – $100,545 |
| 10+ years (Top Earner) | $100,545 – $121,754 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Quincy
The local job market has a modest number of insurance agents, with only 15 employed in Quincy. Given the cost-of-living index at 108.5, which is above the national average, insurance agents must navigate the reality that take-home pay may be impacted by expenses. Captive agents, particularly at major companies, typically have a stable commission structure but may face caps on their earnings compared to independent agents who have more flexibility in managing their book of business. Large brokerage firms can yield higher pay, especially for those handling commercial lines, which often offer significantly greater commission rates than personal lines. To maximize earnings in this specific Quincy market, agents may consider focusing on building a strong client portfolio in commercial sectors or exploring opportunities with larger brokerages that provide equity incentives.
More salary data for Quincy, MA:
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 $75,821 for insurance agentsin the Quincy 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 Quincy 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