Insurance Agent Salary in San Juan, TX: $46,356 (2026)
Quick Answer:A full-time insurance agent in San Juan, TX earns a median $46,356/year (≈ $22.28/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in San Juan's price level (4% below national, BEA RPP 96.0), that paycheck buys what $48,288 would nationally. Nominal pay sits 4.2% below the Texas state average.
Based on BLS state-level estimates · View source
In 2026, the median annual salary for insurance agents in San Juan, TX, is projected to be $46,356, which indicates a considerable discrepancy compared to the national median of $64,522. Local agents can expect to earn between $29,779 at the lower end (10th percentile) to $71,852 at the higher end (90th percentile). These figures, derived from 2025 BLS state-level data adjusted for regional cost variations, illustrate the unique dynamics of the insurance market in the area. The structural divide in employment, dominated by captive agents from companies like State Farm and Allstate, contrasts sharply with independent agencies and commercial brokerages. This environment creates variability in pay, reflecting the broader shifts in commission structures and market preferences.
About the San Juan Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $29,779 | $14.32 |
| Lower Range (P25) | $35,907 | $17.26 |
| Median (P50)(typical) | $46,356 | $22.28 |
| Upper Range (P75) | $59,336 | $28.53 |
| Top Earners (P90) | $71,852 | $34.54 |
Median Salary Position
28.15% below the national average
2026 Salary Percentile Distribution in San Juan
In San Juan, TX, the insurance agent salary spread from the 10th to 90th percentile is $42,073 (2026 est.). At $46,356, the local median is 28.15% below the national median of $64,522.
Salary Calculator
At 40 hours/week in San Juan: You'd be in the lower-middle range
How San Juan Insurance Agent Pay Compares
San Juan median: $46,356/year (2026)
| Compared To | Median Salary | San Juan Pays |
|---|---|---|
| Texas Average | $48,388 | -4.20% less |
| National Average | $64,522 | -28.15% less |
Insurance Agents in San Juan, TX earn a median of $46,356 per year (2026 est.), which is 28.15% lower than the national median of $64,522 and 4.20% below the Texas state average of $48,388.
Cost-of-Living Adjusted Salary
San Juan 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.
San Juan, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $46,356 nominally has purchasing power equivalent to $48,288 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$36,598
2025 BLS Actual
$44,745
2026 Current Est.
$46,356
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in San Juan (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $36,598 | Actual |
| 2020 | $37,489 | Actual |
| 2021 | $35,807 | Actual |
| 2022 | $41,569 | Actual |
| 2023 | $42,446 | Actual |
| 2024 | $59,775 | Actual |
| 2025 | $44,745 | Actual |
| 2026(current) | $46,356 | Estimated |
| 2027 | $48,025 | Projected |
Based on 7 years of BLS OEWS data for the San Juan metropolitan area, the median insurance agent salary grew 22.3% from $36,598 (2019) to $44,745 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $48,025 by 2027 — a total increase of $11,427 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the San Juan 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) | $29,779 – $35,907 |
| 3-5 years (Mid Career) | $35,907 – $46,356 |
| 5+ years (Experienced) | $46,356 – $59,336 |
| 10+ years (Top Earner) | $59,336 – $71,852 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in San Juan
Considering the job market in San Juan, there are currently nine insurance agents employed locally, which suggests a concentrated yet competitive environment. The cost of living index, sitting at 96, implies that the purchasing power of an insurance agent's earnings may extend further than in areas with a higher cost of living. Captive agents typically draw a more stable salary structure with bonuses, while independent agents may benefit from a wider range of commissions, especially in commercial lines—where compensation can be significantly higher than personal lines. Successful agents in San Juan should focus on building a robust book of business, nurturing client relationships, and pursuing commercial accounts to maximize their earning potential. Additionally, agency ownership or aligning with a brokerage that offers competitive overrides can further enhance income opportunities in this market.
More salary data for San Juan, 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 $44,745 for insurance agentsin the San Juan 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 San Juan 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