Insurance Agent Salary in Utica, NY: $64,636 (2026)
Quick Answer:A full-time insurance agent in Utica, NY earns a median $64,636/year (≈ $31.08/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Utica's price level (7% below national, BEA RPP 92.7), that paycheck buys what $69,743 would nationally. Nominal pay sits 2.7% below the New York state average.
Official BLS data · View source
In 2026, the estimated insurance agent salary in Utica, NY, is projected to reach $64,636, slightly above the national median of $64,522. With a diverse pay range, salaries span from $48,899 at the 10th percentile to $143,455 at the 90th percentile, reflecting a significant disparity based on factors such as experience, specialization, and the type of agency. Official BLS OEWS surveys indicate that the Utica market is competitive, particularly as the commission gradient varies between personal lines and commercial or specialty lines. This dynamic contributes to differing earnings potential, making it essential for aspiring agents to understand the nuances of the local insurance landscape.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $48,899 | $23.51 |
| Lower Range (P25) | $55,644 | $26.75 |
| Median (P50)(typical) | $64,636 | $31.08 |
| Upper Range (P75) | $80,114 | $38.52 |
| Top Earners (P90) | $143,455 | $68.97 |
Median Salary Position
0.18% above the national average
2026 Salary Percentile Distribution in Utica
In Utica, NY, the insurance agent salary spread from the 10th to 90th percentile is $94,556 (2026 est.). At $64,636, the local median is 0.18% above the national median of $64,522.
Salary Calculator
At 40 hours/week in Utica: You'd be in the entry-level range
How Utica Insurance Agent Pay Compares
Utica median: $64,636/year (2026)
| Compared To | Median Salary | Utica Pays |
|---|---|---|
| New York Average | $66,430 | -2.70% less |
| National Average | $64,522 | +0.18% more |
Insurance Agents in Utica, NY earn a median of $64,636 per year (2026 est.), which is 0.18% higher than the national median of $64,522 and 2.70% below the New York state average of $66,430.
Cost-of-Living Adjusted Salary
Utica has a cost of living 7.32% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Utica, NY has a cost-of-living index of 92.678 (below the national average of 100). A insurance agent earning $64,636 nominally has purchasing power equivalent to $69,743 in an average-cost city — an effective 7.9% boost.
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2019 BLS Actual
$63,490
2025 BLS Actual
$62,390
2026 Current Est.
$64,636
2019–2027 Growth
+5.5%
Salary Trajectory for Insurance Agents in Utica (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $63,490 | Actual |
| 2020 | $90,930 | Actual |
| 2021 | $60,110 | Actual |
| 2022 | $57,962 | Actual |
| 2023 | $64,620 | Actual |
| 2024 | $68,480 | Actual |
| 2025 | $62,390 | Actual |
| 2026(current) | $64,636 | Estimated |
| 2027 | $66,963 | Projected |
Based on 7 years of BLS OEWS data for the Utica metropolitan area, the median insurance agent salary grew -1.7% from $63,490 (2019) to $62,390 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $66,963 by 2027 — a total increase of $3,473 (5.47%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Utica 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) | $48,899 – $55,644 |
| 3-5 years (Mid Career) | $55,644 – $64,636 |
| 5+ years (Experienced) | $64,636 – $80,114 |
| 10+ years (Top Earner) | $80,114 – $143,455 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Utica
With 280 insurance agents currently employed in Utica, the local job market remains stable, although the cost of living index sits at 92.678, suggesting that housing and general expenses are below the national average. This lower cost of living can augment effective take-home pay for agents. Among the employers in the region, captive agents working with major carriers like State Farm and Allstate may initially offer stability and training commissions, but independent agencies tend to present more lucrative long-term earning potentials due to higher commission rates on commercial accounts. Furthermore, the gap between lower and higher salaries in this market can be driven by various factors, including the size of one’s book of business, the commission structure applicable to personal versus commercial lines, and the ownership model of the agency. Thus, insurance agents in Utica seeking to maximize their compensation should consider focusing on commercial lines, growing their client base, and exploring opportunities in independent brokerage firms.
More salary data for Utica, 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 $62,390 for insurance agentsin the Utica 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