Insurance Agent Salary in Austin, TX: $52,681 (2026)
Quick Answer:A full-time insurance agent in Austin, TX earns a median $52,681/year (≈ $25.33/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Austin's price level (2% below national, BEA RPP 98.1), that paycheck buys what $53,720 would nationally. Nominal pay sits 8.9% above the Texas state average.
Official BLS data · View source
Insurance agents in Austin, TX, can expect a median annual salary of $52,681 in 2026, significantly below the national median of $64,522 for the same year. This local figure reveals a broader salary range, with earnings peaking at $129,832 for the top 10% of earners and starting around $39,306 for those in the bottom 10%. These projections are based on 2025 BLS OEWS data, showing that the insurance market in Austin provides unique opportunities driven by the compounding nature of renewal commissions, which steadily enhance long-term compensation. As a vibrant economic hub, Austin's job market continues to thrive, illustrating the potential for growth in this industry as demand for insurance offerings remains robust.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $39,306 | $18.90 |
| Lower Range (P25) | $48,495 | $23.32 |
| Median (P50)(typical) | $52,681 | $25.33 |
| Upper Range (P75) | $81,658 | $39.25 |
| Top Earners (P90) | $129,832 | $62.42 |
Median Salary Position
18.35% below the national average
2026 Salary Percentile Distribution in Austin
In Austin, TX, the insurance agent salary spread from the 10th to 90th percentile is $90,526 (2026 est.). At $52,681, the local median is 18.35% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Austin: You'd be in the entry-level range
How Austin Insurance Agent Pay Compares
Austin median: $52,681/year (2026)
| Compared To | Median Salary | Austin Pays |
|---|---|---|
| Texas Average | $48,375 | +8.90% more |
| National Average | $64,522 | -18.35% less |
Insurance Agents in Austin, TX earn a median of $52,681 per year (2026 est.), which is 18.35% lower than the national median of $64,522 and 8.90% above the Texas state average of $48,375.
Cost-of-Living Adjusted Salary
Austin has a cost of living 1.93% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Austin, TX has a cost-of-living index of 98.066 (below the national average of 100). A insurance agent earning $52,681 nominally has purchasing power equivalent to $53,720 in an average-cost city — an effective 1.97% boost.
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2019 BLS Actual
$45,860
2025 BLS Actual
$50,850
2026 Current Est.
$52,681
2019–2027 Growth
+19.0%
Salary Trajectory for Insurance Agents in Austin (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $45,860 | Actual |
| 2020 | $46,240 | Actual |
| 2021 | $48,660 | Actual |
| 2022 | $47,170 | Actual |
| 2023 | $47,220 | Actual |
| 2024 | $46,410 | Actual |
| 2025 | $50,850 | Actual |
| 2026(current) | $52,681 | Estimated |
| 2027 | $54,577 | Projected |
Based on 7 years of BLS OEWS data for the Austin metropolitan area, the median insurance agent salary grew 10.9% from $45,860 (2019) to $50,850 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $54,577 by 2027 — a total increase of $8,717 (19.01%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Austin 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) | $39,306 – $48,495 |
| 3-5 years (Mid Career) | $48,495 – $52,681 |
| 5+ years (Experienced) | $52,681 – $81,658 |
| 10+ years (Top Earner) | $81,658 – $129,832 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Austin
In Austin, the competitive landscape features approximately 4,350 insurance agents operating in a cost-effective environment, where the cost of living index stands at 98.066, slightly below the national average. This lower cost of living potentially boosts the take-home purchasing power of agents compared to other cities. Among the highest-paying employers, large brokerage firms like Aon and Marsh tend to attract talent with more lucrative compensation packages, especially for those focused on commercial lines, which can pay 5-10 times more than personal lines. Factors contributing to the income variance include the size of an agent's book of business, differences in commission structures between captive and independent agencies, and the overall market dynamics. To maximize pay in Austin's landscape, agents should consider specializing in commercial or specialty lines, seeking opportunities in robust brokerage firms, or pursuing agency ownership for longer-term financial benefits.
More salary data for Austin, TX:
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 $50,850 for insurance agentsin the Austin 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, 7-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