Insurance Agent Salary in Long Branch, NJ: $72,524 (2026)
Quick Answer:A full-time insurance agent in Long Branch, NJ earns a median $72,524/year (≈ $34.87/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Long Branch's price level (15% above national, BEA RPP 115.2), that paycheck buys what $62,955 would nationally. Nominal pay sits 2.4% below the New Jersey state average.
Based on BLS state-level estimates · View source
Insurance agents in Long Branch, New Jersey, can expect to earn a median annual salary of $72,524 in 2026, significantly higher than the national median of $64,522. The salary range for this profession in the area is projected between $42,800 at the 10th percentile and $112,412 at the 90th percentile, reflecting the varying commission structures associated with personal versus commercial lines. These figures, based on estimates derived from 2025 BLS data and regional price adjustments, highlight the potential for agents specializing in commercial policies to achieve far greater earnings due to higher commission rates when compared to personal lines. This competitive salary scenario indicates a favorable job market in Long Branch for trained insurance professionals.
About the Long Branch Market
Salary estimated from New Jersey average ($82,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $42,800 | $20.57 |
| Lower Range (P25) | $53,378 | $25.66 |
| Median (P50)(typical) | $72,524 | $34.87 |
| Upper Range (P75) | $92,831 | $44.63 |
| Top Earners (P90) | $112,412 | $54.05 |
Median Salary Position
12.40% above the national average
2026 Salary Percentile Distribution in Long Branch
In Long Branch, NJ, the insurance agent salary spread from the 10th to 90th percentile is $69,612 (2026 est.). At $72,524, the local median is 12.4% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Long Branch: You'd be in the lower-middle range
How Long Branch Insurance Agent Pay Compares
Long Branch median: $72,524/year (2026)
| Compared To | Median Salary | Long Branch Pays |
|---|---|---|
| New Jersey Average | $74,308 | -2.40% less |
| National Average | $64,522 | +12.40% more |
Insurance Agents in Long Branch, NJ earn a median of $72,524 per year (2026 est.), which is 12.40% higher than the national median of $64,522 and 2.40% below the New Jersey state average of $74,308.
Cost-of-Living Adjusted Salary
Long Branch has a cost of living 15.20% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Long Branch, NJ has a cost-of-living index of 115.2 (above the national average of 100). While the nominal salary of $72,524 is competitive, the higher cost of living reduces purchasing power to an effective $62,955 — a 13.19% reduction.
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2019 BLS Actual
$57,258
2025 BLS Actual
$70,004
2026 Current Est.
$72,524
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Long Branch (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $57,258 | Actual |
| 2020 | $58,651 | Actual |
| 2021 | $56,021 | Actual |
| 2022 | $65,036 | Actual |
| 2023 | $66,407 | Actual |
| 2024 | $92,169 | Actual |
| 2025 | $70,004 | Actual |
| 2026(current) | $72,524 | Estimated |
| 2027 | $75,135 | Projected |
Based on 7 years of BLS OEWS data for the Long Branch metropolitan area, the median insurance agent salary grew 22.3% from $57,258 (2019) to $70,004 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $75,135 by 2027 — a total increase of $17,877 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Long Branch 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) | $42,800 – $53,378 |
| 3-5 years (Mid Career) | $53,378 – $72,524 |
| 5+ years (Experienced) | $72,524 – $92,831 |
| 10+ years (Top Earner) | $92,831 – $112,412 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Long Branch
With only eight insurance agents currently employed in Long Branch, the local job market is relatively compact but offers promising opportunities for growth, given the 3.60% annual growth rate projected in the sector. The area's cost-of-living index stands at 115.2, which means that agents must consider how this affects their take-home purchasing power. Employers that tend to offer the most competitive compensation include large brokerages like Aon and Marsh, as well as independent agencies that can capitalize on a broader client base. The significant pay variance between agents often depends on their client book size, the nature of lines sold—commercial agents can earn 5 to 10 times more than those focused on personal lines—and the distinction between captive agents versus independent brokers. To maximize earnings in this specific market, aspiring agents should consider pursuing credentials like CPCU or CIC to enhance their qualifications and create a more substantial book of business by targeting commercial accounts.
More salary data for Long Branch, NJ:
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 $70,004 for insurance agentsin the Long Branch 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 Long Branch 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