Insurance Agent Salary in Kingston, NY: $70,168 (2026)
Quick Answer:A full-time insurance agent in Kingston, NY earns a median $70,168/year (≈ $33.73/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Kingston's price level (1% above national, BEA RPP 100.7), that paycheck buys what $69,674 would nationally. Nominal pay sits 5.6% above the New York state average.
Official BLS data · View source
In 2026, the insurance agent salary in Kingston, NY, is projected to reach a median of $70,168, reflecting an 8.75% increase above the national median of $64,522 for similar positions. The salary range for insurance agents in this city spans from $49,345 at the 10th percentile to $107,185 at the 90th percentile, indicating a broad spectrum of earnings potential based on experience and clientele. The data, derived from 2025 BLS OEWS surveys, suggests that agents handling commercial lines tend to earn significantly more than their counterparts in personal lines, driven largely by higher commission structures in commercial insurance. This dynamic creates opportunities for agents willing to specialize in commercial policies, which are crucial for maximizing their income in the competitive Kingston market.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $49,345 | $23.72 |
| Lower Range (P25) | $52,121 | $25.06 |
| Median (P50)(typical) | $70,168 | $33.73 |
| Upper Range (P75) | $78,094 | $37.54 |
| Top Earners (P90) | $107,185 | $51.53 |
Median Salary Position
8.75% above the national average
2026 Salary Percentile Distribution in Kingston
In Kingston, NY, the insurance agent salary spread from the 10th to 90th percentile is $57,840 (2026 est.). At $70,168, the local median is 8.75% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Kingston: You'd be in the lower-middle range
How Kingston Insurance Agent Pay Compares
Kingston median: $70,168/year (2026)
| Compared To | Median Salary | Kingston Pays |
|---|---|---|
| New York Average | $66,447 | +5.60% more |
| National Average | $64,522 | +8.75% more |
Insurance Agents in Kingston, NY earn a median of $70,168 per year (2026 est.), which is 8.75% higher than the national median of $64,522 and 5.60% above the New York state average of $66,447.
Cost-of-Living Adjusted Salary
Kingston has a cost of living 0.71% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Kingston, NY has a cost-of-living index of 100.709 (above the national average of 100). While the nominal salary of $70,168 is competitive, the higher cost of living reduces purchasing power to an effective $69,674 — a 0.7% reduction.
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2019 BLS Actual
$55,450
2025 BLS Actual
$67,730
2026 Current Est.
$70,168
2019–2027 Growth
+31.1%
Salary Trajectory for Insurance Agents in Kingston (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $55,450 | Actual |
| 2020 | $56,746 | Actual |
| 2021 | $61,460 | Actual |
| 2022 | $65,380 | Actual |
| 2023 | $74,100 | Actual |
| 2024 | $48,770 | Actual |
| 2025 | $67,730 | Actual |
| 2026(current) | $70,168 | Estimated |
| 2027 | $72,694 | Projected |
Based on 7 years of BLS OEWS data for the Kingston metropolitan area, the median insurance agent salary grew 22.1% from $55,450 (2019) to $67,730 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $72,694 by 2027 — a total increase of $17,244 (31.10%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Kingston 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) | $49,345 – $52,121 |
| 3-5 years (Mid Career) | $52,121 – $70,168 |
| 5+ years (Experienced) | $70,168 – $78,094 |
| 10+ years (Top Earner) | $78,094 – $107,185 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Kingston
With 140 insurance agents employed in Kingston, the local job market appears robust, though agents must consider the cost of living, reflected in a cost-of-living index of 100.709. This figure indicates that everyday expenses in Kingston are slightly above the national average, which can impact the purchasing power of take-home salaries. Larger brokerage firms, particularly those focusing on commercial lines, may offer higher compensation compared to captive agents from companies like State Farm or Allstate, who often have capped earning potential due to their structured commission plans. Factors such as the size of an agent's book of business and whether they operate as independent or captive agents contribute to the variance in earnings; independent agencies typically offer more lucrative compensation models. Aspiring agents in Kingston can maximize their pay by focusing on commercial lines, building a diverse client portfolio, and staying informed about changing commission structures, positioning themselves favorably in this evolving insurance landscape.
More salary data for Kingston, NY:
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 $67,730 for insurance agentsin the Kingston 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
Source: BLS, OEWS, 6-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
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