Insurance Agent Salary in Sugar Land, TX: $48,252 (2026)
Quick Answer:A full-time insurance agent in Sugar Land, TX earns a median $48,252/year (≈ $23.20/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Sugar Land's price level (4% below national, BEA RPP 96.0), that paycheck buys what $50,263 would nationally. Nominal pay sits 0.3% below the Texas state average.
Based on BLS state-level estimates · View source
In Sugar Land, Texas, the average earnings for insurance agents reflect the city's unique market dynamics, with a projected median annual salary of $48,252 in 2026. This amount is notably lower than the national median of $64,522, positioning local compensation approximately 25.22% below the national standard. Salary ranges for insurance agents in the area vary widely, from $29,453 at the 10th percentile to $74,790 at the 90th percentile. These figures are informed by data derived from 2025 BLS estimates, adjusted for regional price levels. The competitive landscape distinguishes between captive agents from firms like State Farm or Allstate, independent agents affiliated with multiple carriers, and larger commercial brokerages, each impacting pay structures differently.
About the Sugar Land Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $29,453 | $14.16 |
| Lower Range (P25) | $36,430 | $17.52 |
| Median (P50)(typical) | $48,252 | $23.20 |
| Upper Range (P75) | $61,762 | $29.69 |
| Top Earners (P90) | $74,790 | $35.96 |
Median Salary Position
25.22% below the national average
2026 Salary Percentile Distribution in Sugar Land
In Sugar Land, TX, the insurance agent salary spread from the 10th to 90th percentile is $45,337 (2026 est.). At $48,252, the local median is 25.22% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Sugar Land: You'd be in the lower-middle range
How Sugar Land Insurance Agent Pay Compares
Sugar Land median: $48,252/year (2026)
| Compared To | Median Salary | Sugar Land Pays |
|---|---|---|
| Texas Average | $48,397 | -0.30% less |
| National Average | $64,522 | -25.22% less |
Insurance Agents in Sugar Land, TX earn a median of $48,252 per year (2026 est.), which is 25.22% lower than the national median of $64,522 and 0.30% below the Texas state average of $48,397.
Cost-of-Living Adjusted Salary
Sugar Land 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.
Sugar Land, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $48,252 nominally has purchasing power equivalent to $50,263 in an average-cost city — an effective 4.17% boost.
Compare Purchasing Power
Select a city to see how your salary compares after cost of living
Select a city above to compare purchasing power
2019 BLS Actual
$38,095
2025 BLS Actual
$46,575
2026 Current Est.
$48,252
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Sugar Land (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $38,095 | Actual |
| 2020 | $39,022 | Actual |
| 2021 | $37,272 | Actual |
| 2022 | $43,270 | Actual |
| 2023 | $44,182 | Actual |
| 2024 | $62,220 | Actual |
| 2025 | $46,575 | Actual |
| 2026(current) | $48,252 | Estimated |
| 2027 | $49,989 | Projected |
Based on 7 years of BLS OEWS data for the Sugar Land metropolitan area, the median insurance agent salary grew 22.3% from $38,095 (2019) to $46,575 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $49,989 by 2027 — a total increase of $11,894 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Sugar Land 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) | $29,453 – $36,430 |
| 3-5 years (Mid Career) | $36,430 – $48,252 |
| 5+ years (Experienced) | $48,252 – $61,762 |
| 10+ years (Top Earner) | $61,762 – $74,790 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Sugar Land
The job market in Sugar Land currently employs around 21 insurance agents, and the area's cost of living index stands at 96, making it slightly less expensive than the national average. This cost-of-living consideration significantly impacts take-home pay for agents, as lower living expenses can enhance overall purchasing power. Employers paying the most typically include large commercial brokerages—and independent agencies often provide opportunities for higher earnings compared to captive agents. The variance in agent pay stems from factors such as the size of the book of business, with larger portfolios leading to higher renewal commissions. With the growing shift toward independent and commercial lines, agents can optimize their earnings by developing specialized expertise and pursuing opportunities in sectors that pay significantly higher commissions than traditional personal lines.
More salary data for Sugar Land, TX:
Frequently Asked Questions
How much do insurance agents make in Sugar Land, TX in 2026?
Is Sugar Land, TX a good place to work as a insurance agent?
Can insurance agents make $100K in Sugar Land?
What is the cost-of-living adjusted insurance agent salary in Sugar Land?
How much does a insurance agent make per hour in Sugar Land?
Related Pages
Compare Salaries
Career Resources
Nearby Cities in Texas
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 $46,575 for insurance agentsin the Sugar Land 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 Sugar Land 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