Insurance Agent Salary in Rome, NY: $63,977 (2026)
Quick Answer:A full-time insurance agent in Rome, NY earns a median $63,977/year (≈ $30.76/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Rome's price level (16% above national, BEA RPP 115.9), that paycheck buys what $55,200 would nationally. Nominal pay sits 3.7% below the New York state average.
Based on BLS state-level estimates · View source
With a projected median annual salary of $63,977 in 2026, the insurance agent salary in Rome, NY reflects a steady income landscape for professionals in this field. The salary range spans from $41,335 at the lower end (P10) to $99,165 for those at the top of the pay scale (P90). Local estimates, derived from 2025 BLS data and adjusted for regional price levels, show that agents primarily engaged in personal lines may earn less compared to their counterparts in commercial or specialty lines, where commissions can significantly outweigh those of personal insurance. This gradient underscores the competitive nature of the insurance market in Rome, highlighting the opportunity for agents who specialize and build substantial books of business.
About the Rome Market
Salary estimated from New York average ($88,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $41,335 | $19.87 |
| Lower Range (P25) | $49,731 | $23.91 |
| Median (P50)(typical) | $63,977 | $30.76 |
| Upper Range (P75) | $81,891 | $39.37 |
| Top Earners (P90) | $99,165 | $47.68 |
Median Salary Position
0.84% below the national average
2026 Salary Percentile Distribution in Rome
In Rome, NY, the insurance agent salary spread from the 10th to 90th percentile is $57,830 (2026 est.). At $63,977, the local median is 0.84% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Rome: You'd be in the lower-middle range
How Rome Insurance Agent Pay Compares
Rome median: $63,977/year (2026)
| Compared To | Median Salary | Rome Pays |
|---|---|---|
| New York Average | $66,435 | -3.70% less |
| National Average | $64,522 | -0.84% less |
Insurance Agents in Rome, NY earn a median of $63,977 per year (2026 est.), which is 0.84% lower than the national median of $64,522 and 3.70% below the New York state average of $66,435.
Cost-of-Living Adjusted Salary
Rome has a cost of living 15.90% above the national average.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Rome, NY has a cost-of-living index of 115.9 (above the national average of 100). While the nominal salary of $63,977 is competitive, the higher cost of living reduces purchasing power to an effective $55,200 — a 13.72% reduction.
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2019 BLS Actual
$50,510
2025 BLS Actual
$61,754
2026 Current Est.
$63,977
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Rome (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $50,510 | Actual |
| 2020 | $51,739 | Actual |
| 2021 | $49,419 | Actual |
| 2022 | $57,371 | Actual |
| 2023 | $58,581 | Actual |
| 2024 | $97,923 | Actual |
| 2025 | $61,754 | Actual |
| 2026(current) | $63,977 | Estimated |
| 2027 | $66,280 | Projected |
Based on 7 years of BLS OEWS data for the Rome metropolitan area, the median insurance agent salary grew 22.3% from $50,510 (2019) to $61,754 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $66,280 by 2027 — a total increase of $15,770 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Rome 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) | $41,335 – $49,731 |
| 3-5 years (Mid Career) | $49,731 – $63,977 |
| 5+ years (Experienced) | $63,977 – $81,891 |
| 10+ years (Top Earner) | $81,891 – $99,165 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Rome
Despite the favorable median salary, the cost of living in Rome, with a consumer price index of 115.9, poses a challenge for insurance agents looking to maximize their purchasing power. Currently employing only six insurance professionals, the local market is somewhat limited, yet it provides unique opportunities for growth, especially if agents align themselves with higher-paying employers like independent agencies or larger commercial brokerages. Captive agents working with top carriers like State Farm or Allstate often experience significant initial support but might face income caps due to structured commission systems. Conversely, those in commercial roles can see earnings dramatically increase due to higher commission rates per policy. To enhance their earning potential, agents in Rome should consider developing niche specialties, expanding their client base, and acquiring advanced credentials like the CPCU or CIC, which can substantiate their expertise and broaden their market appeal.
More salary data for Rome, 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 $61,754 for insurance agentsin the Rome 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 Rome 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