Insurance Agent Salary in St. Clair Shores, MI: $62,379 (2026)
Quick Answer:A full-time insurance agent in St. Clair Shores, MI earns a median $62,379/year (≈ $29.99/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in St. Clair Shores's price level (7% below national, BEA RPP 93.2), that paycheck buys what $66,930 would nationally. Nominal pay sits 0.6% below the Michigan state average.
Based on BLS state-level estimates · View source
In St. Clair Shores, Michigan, the projected median annual salary for insurance agents in 2026 is $62,379, which reflects a modest difference of 3.32% below the national median of $64,522. The salary range in this area spans from $38,447 at the 10th percentile to $96,687 at the 90th percentile. These local estimates, derived from 2025 BLS data and adjusted for regional pricing factors, emphasize the notable variance in compensation depending on the segment of the market agents are involved in. Captive agents tend to earn within a different scale compared to their counterparts in independent agencies or large brokerages, creating a diverse earnings landscape that reflects the local demand and business dynamics in St. Clair Shores's insurance job market.
About the St. Clair Shores Market
Salary estimated from Michigan average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $38,447 | $18.48 |
| Lower Range (P25) | $47,462 | $22.82 |
| Median (P50)(typical) | $62,379 | $29.99 |
| Upper Range (P75) | $79,845 | $38.38 |
| Top Earners (P90) | $96,687 | $46.49 |
Median Salary Position
3.32% below the national average
2026 Salary Percentile Distribution in St. Clair Shores
In St. Clair Shores, MI, the insurance agent salary spread from the 10th to 90th percentile is $58,240 (2026 est.). At $62,379, the local median is 3.32% below the national median of $64,522.
Salary Calculator
At 40 hours/week in St. Clair Shores: You'd be in the lower-middle range
How St. Clair Shores Insurance Agent Pay Compares
St. Clair Shores median: $62,379/year (2026)
| Compared To | Median Salary | St. Clair Shores Pays |
|---|---|---|
| Michigan Average | $62,755 | -0.60% less |
| National Average | $64,522 | -3.32% less |
Insurance Agents in St. Clair Shores, MI earn a median of $62,379 per year (2026 est.), which is 3.32% lower than the national median of $64,522 and 0.60% below the Michigan state average of $62,755.
Cost-of-Living Adjusted Salary
St. Clair Shores has a cost of living 6.80% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
St. Clair Shores, MI has a cost-of-living index of 93.2 (below the national average of 100). A insurance agent earning $62,379 nominally has purchasing power equivalent to $66,930 in an average-cost city — an effective 7.3% boost.
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2019 BLS Actual
$49,248
2025 BLS Actual
$60,211
2026 Current Est.
$62,379
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in St. Clair Shores (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $49,248 | Actual |
| 2020 | $50,447 | Actual |
| 2021 | $48,184 | Actual |
| 2022 | $55,938 | Actual |
| 2023 | $57,117 | Actual |
| 2024 | $53,736 | Actual |
| 2025 | $60,211 | Actual |
| 2026(current) | $62,379 | Estimated |
| 2027 | $64,624 | Projected |
Based on 7 years of BLS OEWS data for the St. Clair Shores metropolitan area, the median insurance agent salary grew 22.3% from $49,248 (2019) to $60,211 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $64,624 by 2027 — a total increase of $15,376 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the St. Clair Shores 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) | $38,447 – $47,462 |
| 3-5 years (Mid Career) | $47,462 – $62,379 |
| 5+ years (Experienced) | $62,379 – $79,845 |
| 10+ years (Top Earner) | $79,845 – $96,687 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in St. Clair Shores
Analyzing the local job market, there are currently 13 insurance agents employed in St. Clair Shores, MI, a figure that indicates a small but stable sector. The area’s cost of living index stands at 93.2, which means agents can enjoy a decent standard of living despite a slightly lower salary average. Captive agents working for single carriers such as State Farm and Allstate typically receive initial training compensation but may face salary caps, while independent agents usually benefit from larger commissions, especially in commercial lines, which can yield payouts that are significantly higher than those from personal lines. The disparity in earnings often stems from factors such as the size of an agent's book of business, whether they focus on renewal commissions, and the compensation structures of different carriers. For agents in St. Clair Shores aspiring to maximize their income, building a robust portfolio in commercial insurance products or seeking opportunities with multi-carrier brokerages may prove to be effective strategies.
More salary data for St. Clair Shores, MI:
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 $60,211 for insurance agentsin the St. Clair Shores 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 St. Clair Shores 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