Insurance Agent Salary in Arecibo, PR: $31,070 (2026)
Quick Answer:A full-time insurance agent in Arecibo, PR earns a median $31,070/year (≈ $14.94/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Puerto Rico's price level (25% below national, BEA RPP 75.0), that paycheck buys what $41,427 would nationally. Nominal pay sits 16.4% below the Puerto Rico state average.
Official BLS data · View source
In Arecibo, Puerto Rico, the projected median annual salary for insurance agents in 2026 is $31,070. This figure is significantly lower than the national median of $64,522, reflecting unique local economic conditions. The salary range in the area spans from $23,963 at the 10th percentile to $78,415 at the 90th percentile, showcasing the potential for variance based on individual performance and book of business size. This statistical data is sourced from projections based on 2025 BLS OEWS surveys, indicating that while entry-level positions may provide modest income, successful agents leveraging renewal commissions can significantly enhance their earnings over time. Understanding the dynamics of insurance agent pay in Arecibo PR is essential for both aspiring professionals and those interested in market trends.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $23,963 | $11.52 |
| Lower Range (P25) | $24,108 | $11.59 |
| Median (P50)(typical) | $31,070 | $14.94 |
| Upper Range (P75) | $50,308 | $24.18 |
| Top Earners (P90) | $78,415 | $37.70 |
Median Salary Position
51.85% below the national average
2026 Salary Percentile Distribution in Arecibo
In Arecibo, PR, the insurance agent salary spread from the 10th to 90th percentile is $54,452 (2026 est.). At $31,070, the local median is 51.85% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Arecibo: You'd be in the entry-level range
How Arecibo Insurance Agent Pay Compares
Arecibo median: $31,070/year (2026)
| Compared To | Median Salary | Arecibo Pays |
|---|---|---|
| Puerto Rico Average | $37,165 | -16.40% less |
| National Average | $64,522 | -51.85% less |
Insurance Agents in Arecibo, PR earn a median of $31,070 per year (2026 est.), which is 51.85% lower than the national median of $64,522 and 16.40% below the Puerto Rico state average of $37,165.
2019 BLS Actual
$24,529
2025 BLS Actual
$29,990
2026 Current Est.
$31,070
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Arecibo (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $24,529 | Actual |
| 2020 | $25,126 | Actual |
| 2021 | $27,930 | Actual |
| 2022 | $22,320 | Actual |
| 2023 | $29,450 | Actual |
| 2024 | $36,460 | Actual |
| 2025 | $29,990 | Actual |
| 2026(current) | $31,070 | Estimated |
| 2027 | $32,188 | Projected |
Based on 7 years of BLS OEWS data for the Arecibo metropolitan area, the median insurance agent salary grew 22.3% from $24,529 (2019) to $29,990 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $32,188 by 2027 — a total increase of $7,659 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Arecibo 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) | $23,963 – $24,108 |
| 3-5 years (Mid Career) | $24,108 – $31,070 |
| 5+ years (Experienced) | $31,070 – $50,308 |
| 10+ years (Top Earner) | $50,308 – $78,415 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Arecibo
The job market for insurance agents in Arecibo consists of approximately 130 professionals, with a range of employers impacting local pay dynamics. While captive agents working with companies like State Farm or Allstate may find stability and initial training support, independent agencies tend to provide greater earning potential once agents establish their client bases. The cost of living in Arecibo affects the real earnings power of agents, as lower living expenses can translate into less pressure to achieve high pay. Agency ownership and the ability to grow a substantial renewal book are vital for enhancing compensation here. Commercial lines represent a higher pay gradient compared to personal lines, making a focus on this segment crucial for maximizing salary potential. For agents in Arecibo, networking within the community and continuous professional development, such as pursuing CPCU or CIC credentials, can be instrumental in unlocking better opportunities and boosting income.
More salary data for Arecibo, PR:
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 $29,990 for insurance agentsin the Arecibo 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, 5-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