Insurance Agent Salary in Garland, TX: $50,287 (2026)
Quick Answer:A full-time insurance agent in Garland, TX earns a median $50,287/year (≈ $24.18/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Garland's price level (4% below national, BEA RPP 96.0), that paycheck buys what $52,382 would nationally. Nominal pay sits 3.9% above the Texas state average.
Based on BLS state-level estimates · View source
In Garland, Texas, the projected median annual salary for insurance agents in 2026 is $50,287, representing a notable difference when contrasted with the national average of $64,522. The salary range for agents falls from a lower percentile of $29,167 to a high of $77,946, indicating a diversity in compensation based on experience, specialization, and agency type. These figures, derived from state-level BLS data and regional cost adjustments, reflect the local market where many agents operate either within personal lines roles or commercial specialties, both of which significantly influence earnings potential. Given the regional cost of living, which is slightly below the national average, Garland's market dynamics play a key role in shaping how much insurance agents make in this area.
About the Garland Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $29,167 | $14.03 |
| Lower Range (P25) | $36,207 | $17.40 |
| Median (P50)(typical) | $50,287 | $24.18 |
| Upper Range (P75) | $64,368 | $30.95 |
| Top Earners (P90) | $77,946 | $37.47 |
Median Salary Position
22.06% below the national average
2026 Salary Percentile Distribution in Garland
In Garland, TX, the insurance agent salary spread from the 10th to 90th percentile is $48,779 (2026 est.). At $50,287, the local median is 22.06% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Garland: You'd be in the lower-middle range
How Garland Insurance Agent Pay Compares
Garland median: $50,287/year (2026)
| Compared To | Median Salary | Garland Pays |
|---|---|---|
| Texas Average | $48,400 | +3.90% more |
| National Average | $64,522 | -22.06% less |
Insurance Agents in Garland, TX earn a median of $50,287 per year (2026 est.), which is 22.06% lower than the national median of $64,522 and 3.90% above the Texas state average of $48,400.
Cost-of-Living Adjusted Salary
Garland 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.
Garland, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $50,287 nominally has purchasing power equivalent to $52,382 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$39,702
2025 BLS Actual
$48,540
2026 Current Est.
$50,287
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Garland (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $39,702 | Actual |
| 2020 | $40,668 | Actual |
| 2021 | $38,844 | Actual |
| 2022 | $45,095 | Actual |
| 2023 | $46,046 | Actual |
| 2024 | $64,845 | Actual |
| 2025 | $48,540 | Actual |
| 2026(current) | $50,287 | Estimated |
| 2027 | $52,098 | Projected |
Based on 7 years of BLS OEWS data for the Garland metropolitan area, the median insurance agent salary grew 22.3% from $39,702 (2019) to $48,540 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $52,098 by 2027 — a total increase of $12,396 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Garland 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) | $29,167 – $36,207 |
| 3-5 years (Mid Career) | $36,207 – $50,287 |
| 5+ years (Experienced) | $50,287 – $64,368 |
| 10+ years (Top Earner) | $64,368 – $77,946 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Garland
As the insurance industry continues to evolve, Garland employs around 43 insurance agents, presenting a modest but stable employment landscape. With a cost-of-living index of 96, agents may experience better take-home purchasing power compared to other regions. Among the various employers, captive agents at notable carriers like State Farm and Allstate typically offer competitive salaries, while independent agencies and large brokerage firms like Aon and Marsh focus on higher commission structures, particularly in commercial lines. The distinct pay spread between agents often stems from factors like the size of their book of business, as larger portfolios lead to increased renewal commissions, as well as varying commission structures for captive versus independent agents. For those looking to enhance their insurance agent pay in Garland, developing expertise in commercial lines and exploring opportunities with high-commission agencies can be strategic moves in a market with strong potential for growth at an annual rate of 3.60%.
More salary data for Garland, 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 $48,540 for insurance agentsin the Garland 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 Garland 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