Insurance Agent Salary in Galveston, TX: $48,542 (2026)
Quick Answer:A full-time insurance agent in Galveston, TX earns a median $48,542/year (≈ $23.34/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Galveston's price level (4% below national, BEA RPP 96.0), that paycheck buys what $50,565 would nationally. Nominal pay sits 0.3% above the Texas state average.
Based on BLS state-level estimates · View source
In 2026, the median annual salary for insurance agents in Galveston, Texas is projected to be $48,542, which reflects a considerable gap compared to the national median of $64,522. This local compensation figure is indicative of the differences between the captive and independent agents within the market, along with the emerging influence of commercial brokerages as an employer. Agents in Galveston can expect salaries to range significantly, from approximately $28,310 at the lower end (P10) to around $75,240 at the upper echelon (P90). These estimates, derived from 2025 BLS data and adjusted for regional cost factors, highlight the nuances of the local job market, particularly how the evolving structures within the industry affect pay scales for agents in Galveston.
About the Galveston Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $28,310 | $13.61 |
| Lower Range (P25) | $35,616 | $17.13 |
| Median (P50)(typical) | $48,542 | $23.34 |
| Upper Range (P75) | $62,133 | $29.87 |
| Top Earners (P90) | $75,240 | $36.18 |
Median Salary Position
24.77% below the national average
2026 Salary Percentile Distribution in Galveston
In Galveston, TX, the insurance agent salary spread from the 10th to 90th percentile is $46,930 (2026 est.). At $48,542, the local median is 24.77% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Galveston: You'd be in the lower-middle range
How Galveston Insurance Agent Pay Compares
Galveston median: $48,542/year (2026)
| Compared To | Median Salary | Galveston Pays |
|---|---|---|
| Texas Average | $48,397 | +0.30% more |
| National Average | $64,522 | -24.77% less |
Insurance Agents in Galveston, TX earn a median of $48,542 per year (2026 est.), which is 24.77% lower than the national median of $64,522 and 0.30% above the Texas state average of $48,397.
Cost-of-Living Adjusted Salary
Galveston 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.
Galveston, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $48,542 nominally has purchasing power equivalent to $50,565 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$38,324
2025 BLS Actual
$46,855
2026 Current Est.
$48,542
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Galveston (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $38,324 | Actual |
| 2020 | $39,256 | Actual |
| 2021 | $37,496 | Actual |
| 2022 | $43,530 | Actual |
| 2023 | $44,448 | Actual |
| 2024 | $62,594 | Actual |
| 2025 | $46,855 | Actual |
| 2026(current) | $48,542 | Estimated |
| 2027 | $50,289 | Projected |
Based on 7 years of BLS OEWS data for the Galveston metropolitan area, the median insurance agent salary grew 22.3% from $38,324 (2019) to $46,855 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $50,289 by 2027 — a total increase of $11,965 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Galveston 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) | $28,310 – $35,616 |
| 3-5 years (Mid Career) | $35,616 – $48,542 |
| 5+ years (Experienced) | $48,542 – $62,133 |
| 10+ years (Top Earner) | $62,133 – $75,240 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Galveston
The job market for insurance agents in Galveston employs a modest number of professionals, with only about 10 agents reported in the area. While the cost of living stands at a relatively favorable index of 96, the resulting purchasing power can vary greatly depending on the employer type. Captive agents, such as those affiliated with State Farm or Allstate, often receive more stable pay but may face caps on their earnings, whereas independent agents and large commercial brokerage firms like Aon or Marsh generally offer higher compensation potential through direct commissions and overrides based on the size of their book of business. The disparity in pay largely arises from what agents write—commercial policies can earn agents commissions that are 5 to 10 times higher than those for personal lines. For those looking to maximize their insurance agent pay in Galveston, specializing in commercial lines, pursuing CPCU or CIC credentials, and gaining experience in agency ownership models could significantly enhance earnings over time.
More salary data for Galveston, 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 $46,855 for insurance agentsin the Galveston 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 Galveston 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