Insurance Agent Salary in Avon Lake, OH: $57,174 (2026)
Quick Answer:A full-time insurance agent in Avon Lake, OH earns a median $57,174/year (≈ $27.49/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Avon Lake's price level (9% below national, BEA RPP 90.7), that paycheck buys what $63,036 would nationally. Nominal pay sits 7.9% below the Ohio state average.
Based on BLS state-level estimates · View source
In Avon Lake, Ohio, insurance agents can expect a median annual salary of $57,174 based on 2025 BLS OEWS data, projected to 2026. This salary indicates a significant gap when compared to the national median of $64,522, revealing a local compensation structure that is approximately 11.39% below the national average. The salary range for insurance agents in this area varies considerably, with the lower end at $37,106 (P10) and the upper end reaching $88,619 (P90). These figures reflect local conditions, including the cost of living, which hovers around a cost-of-living index of 90.7, indicating that while salaries are lower, so are living expenses. The local insurance job market primarily consists of personal lines, typically yielding lower commissions, which influences overall pay.
About the Avon Lake Market
Salary estimated from Ohio average ($58,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $37,106 | $17.84 |
| Lower Range (P25) | $44,467 | $21.38 |
| Median (P50)(typical) | $57,174 | $27.49 |
| Upper Range (P75) | $73,182 | $35.18 |
| Top Earners (P90) | $88,619 | $42.61 |
Median Salary Position
11.39% below the national average
2026 Salary Percentile Distribution in Avon Lake
In Avon Lake, OH, the insurance agent salary spread from the 10th to 90th percentile is $51,513 (2026 est.). At $57,174, the local median is 11.39% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Avon Lake: You'd be in the lower-middle range
How Avon Lake Insurance Agent Pay Compares
Avon Lake median: $57,174/year (2026)
| Compared To | Median Salary | Avon Lake Pays |
|---|---|---|
| Ohio Average | $62,078 | -7.90% less |
| National Average | $64,522 | -11.39% less |
Insurance Agents in Avon Lake, OH earn a median of $57,174 per year (2026 est.), which is 11.39% lower than the national median of $64,522 and 7.90% below the Ohio state average of $62,078.
Cost-of-Living Adjusted Salary
Avon Lake has a cost of living 9.30% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Avon Lake, OH has a cost-of-living index of 90.7 (below the national average of 100). A insurance agent earning $57,174 nominally has purchasing power equivalent to $63,036 in an average-cost city — an effective 10.25% boost.
Compare Purchasing Power
Select a city to see how your salary compares after cost of living
Select a city above to compare purchasing power
2019 BLS Actual
$45,139
2025 BLS Actual
$55,187
2026 Current Est.
$57,174
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Avon Lake (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $45,139 | Actual |
| 2020 | $46,237 | Actual |
| 2021 | $44,164 | Actual |
| 2022 | $51,270 | Actual |
| 2023 | $52,351 | Actual |
| 2024 | $48,463 | Actual |
| 2025 | $55,187 | Actual |
| 2026(current) | $57,174 | Estimated |
| 2027 | $59,232 | Projected |
Based on 7 years of BLS OEWS data for the Avon Lake metropolitan area, the median insurance agent salary grew 22.3% from $45,139 (2019) to $55,187 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $59,232 by 2027 — a total increase of $14,093 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Avon Lake 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) | $37,106 – $44,467 |
| 3-5 years (Mid Career) | $44,467 – $57,174 |
| 5+ years (Experienced) | $57,174 – $73,182 |
| 10+ years (Top Earner) | $73,182 – $88,619 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Avon Lake
The local employment scenario features just five insurance agents in Avon Lake, indicating a niche market that could present both challenges and opportunities. With a cost-of-living index at 90.7, agents may find that their purchasing power is more stable compared to higher-cost areas, allowing for a better quality of life despite lower wages. When examining who pays the most, captive agents at national carriers such as State Farm and Allstate tend to offer structured compensation packages, including sign-on bonuses and training, albeit with capped upside potential. Conversely, independent agencies and large commercial brokerages might provide higher earnings through various commission structures that take advantage of a bigger book of business. To maximize earnings, agents would do well to focus on specializing in commercial lines, as these policies often command significantly higher commissions than personal lines. Engaging in ongoing education, such as pursuing CPCU or CIC credentials, can also enhance one's value in the marketplace and lead to improved compensation opportunities in Avon Lake.
More salary data for Avon Lake, OH:
Frequently Asked Questions
How much do insurance agents make in Avon Lake, OH in 2026?
Is Avon Lake, OH a good place to work as a insurance agent?
Can insurance agents make $100K in Avon Lake?
What is the cost-of-living adjusted insurance agent salary in Avon Lake?
How much does a insurance agent make per hour in Avon Lake?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Ohio
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 $55,187 for insurance agentsin the Avon Lake 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 Avon Lake 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