Insurance Agent Salary in Fredericksburg, TX: $45,559 (2026)
Quick Answer:A full-time insurance agent in Fredericksburg, TX earns a median $45,559/year (≈ $21.90/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Fredericksburg's price level (4% below national, BEA RPP 96.0), that paycheck buys what $47,457 would nationally. Nominal pay sits 5.9% below the Texas state average.
Based on BLS state-level estimates · View source
In 2026, an insurance agent in Fredericksburg, Texas, can expect to earn a median annual salary of $45,559, which is notably lower than the national median of $64,522, reflecting a difference of nearly 30%. The local salary range spans from $29,873 at the 10th percentile to $70,617 at the 90th percentile, offering a glimpse into the varying compensation levels within the industry. These figures stem from estimates based on 2025 BLS data and account for regional price adjustments. The Fredericksburg insurance job market highlights the compounding economics of the book-of-business model, where renewal commissions can significantly boost long-term earnings, making it essential for prospective agents to build solid client relationships that last.
About the Fredericksburg Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $29,873 | $14.36 |
| Lower Range (P25) | $35,609 | $17.11 |
| Median (P50)(typical) | $45,559 | $21.90 |
| Upper Range (P75) | $58,315 | $28.03 |
| Top Earners (P90) | $70,617 | $33.95 |
Median Salary Position
29.39% below the national average
2026 Salary Percentile Distribution in Fredericksburg
In Fredericksburg, TX, the insurance agent salary spread from the 10th to 90th percentile is $40,744 (2026 est.). At $45,559, the local median is 29.39% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Fredericksburg: You'd be in the lower-middle range
How Fredericksburg Insurance Agent Pay Compares
Fredericksburg median: $45,559/year (2026)
| Compared To | Median Salary | Fredericksburg Pays |
|---|---|---|
| Texas Average | $48,416 | -5.90% less |
| National Average | $64,522 | -29.39% less |
Insurance Agents in Fredericksburg, TX earn a median of $45,559 per year (2026 est.), which is 29.39% lower than the national median of $64,522 and 5.90% below the Texas state average of $48,416.
Cost-of-Living Adjusted Salary
Fredericksburg has a cost of living 4.00% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Fredericksburg, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $45,559 nominally has purchasing power equivalent to $47,457 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$35,969
2025 BLS Actual
$43,976
2026 Current Est.
$45,559
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Fredericksburg (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $35,969 | Actual |
| 2020 | $36,844 | Actual |
| 2021 | $35,192 | Actual |
| 2022 | $40,855 | Actual |
| 2023 | $41,716 | Actual |
| 2024 | $58,748 | Actual |
| 2025 | $43,976 | Actual |
| 2026(current) | $45,559 | Estimated |
| 2027 | $47,199 | Projected |
Based on 7 years of BLS OEWS data for the Fredericksburg metropolitan area, the median insurance agent salary grew 22.3% from $35,969 (2019) to $43,976 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $47,199 by 2027 — a total increase of $11,230 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Fredericksburg 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) | $29,873 – $35,609 |
| 3-5 years (Mid Career) | $35,609 – $45,559 |
| 5+ years (Experienced) | $45,559 – $58,315 |
| 10+ years (Top Earner) | $58,315 – $70,617 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Fredericksburg
Fredericksburg has a relatively small insurance workforce, with only five agents currently employed in the area. Coupled with a cost-of-living index of 96, which is below the national average, this can impact the overall take-home pay for agents. Captive agents from large direct carriers like State Farm and Allstate tend to earn more initially compared to those in independent agencies, which offer the potential for higher long-term earnings through diversified commission structures. On the other hand, commercial lines can vastly outstrip personal lines in terms of compensation, often paying 5 to 10 times higher per policy. To maximize earnings potential in this market, agents should focus on expanding their book of business through referrals and seek opportunities within commercial lines, where the return on investment is significantly greater. Understanding these dynamics will help agents navigate their compensation journey in Fredericksburg, TX effectively.
More salary data for Fredericksburg, 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 $43,976 for insurance agentsin the Fredericksburg 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 Fredericksburg 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