Insurance Agent Salary in American Fork, UT: $53,821 (2026)
Quick Answer:A full-time insurance agent in American Fork, UT earns a median $53,821/year (≈ $25.88/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in American Fork's price level (2% below national, BEA RPP 98.1), that paycheck buys what $54,863 would nationally. Nominal pay sits 1.2% below the Utah state average.
Based on BLS state-level estimates · View source
In 2026, an estimated insurance agent salary in American Fork, UT, is projected to be $53,821, representing a notable shift in compensation dynamics within the local insurance market. With a salary range spanning from $32,665 at the 10th percentile to $83,423 at the 90th percentile, professionals in this field face diverse earning opportunities depending on their specific roles and agency types. Estimates derived from 2025 BLS data indicate that the insurance agent pay in American Fork is significantly lower than the national median of $64,522, highlighting how localized factors like agency structure—whether captive, independent, or commercial brokerage—impact earnings. Understanding these dynamics is essential for both current agents and those considering entering the field, as the job market here offers unique challenges and opportunities.
About the American Fork Market
Salary estimated from Utah average ($55,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $32,665 | $15.71 |
| Lower Range (P25) | $40,446 | $19.45 |
| Median (P50)(typical) | $53,821 | $25.88 |
| Upper Range (P75) | $68,891 | $33.12 |
| Top Earners (P90) | $83,423 | $40.10 |
Median Salary Position
16.59% below the national average
2026 Salary Percentile Distribution in American Fork
In American Fork, UT, the insurance agent salary spread from the 10th to 90th percentile is $50,758 (2026 est.). At $53,821, the local median is 16.59% below the national median of $64,522.
Salary Calculator
At 40 hours/week in American Fork: You'd be in the lower-middle range
How American Fork Insurance Agent Pay Compares
American Fork median: $53,821/year (2026)
| Compared To | Median Salary | American Fork Pays |
|---|---|---|
| Utah Average | $54,475 | -1.20% less |
| National Average | $64,522 | -16.59% less |
Insurance Agents in American Fork, UT earn a median of $53,821 per year (2026 est.), which is 16.59% lower than the national median of $64,522 and 1.20% below the Utah state average of $54,475.
Cost-of-Living Adjusted Salary
American Fork has a cost of living 1.90% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
American Fork, UT has a cost-of-living index of 98.1 (below the national average of 100). A insurance agent earning $53,821 nominally has purchasing power equivalent to $54,863 in an average-cost city — an effective 1.94% boost.
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2019 BLS Actual
$42,492
2025 BLS Actual
$51,951
2026 Current Est.
$53,821
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in American Fork (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $42,492 | Actual |
| 2020 | $43,526 | Actual |
| 2021 | $41,574 | Actual |
| 2022 | $48,264 | Actual |
| 2023 | $49,282 | Actual |
| 2024 | $53,310 | Actual |
| 2025 | $51,951 | Actual |
| 2026(current) | $53,821 | Estimated |
| 2027 | $55,759 | Projected |
Based on 7 years of BLS OEWS data for the American Fork metropolitan area, the median insurance agent salary grew 22.3% from $42,492 (2019) to $51,951 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $55,759 by 2027 — a total increase of $13,267 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the American Fork 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) | $32,665 – $40,446 |
| 3-5 years (Mid Career) | $40,446 – $53,821 |
| 5+ years (Experienced) | $53,821 – $68,891 |
| 10+ years (Top Earner) | $68,891 – $83,423 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in American Fork
The job market for insurance agents in American Fork remains relatively small, with only six employed in the area, reflecting a niche demand for these professionals. Given the cost of living index registered at 98.1, agents can expect their take-home purchasing power to be better positioned than in many higher-cost locales, but still, wages here lag behind national norms. Captive agents, especially from recognizable names like State Farm and Allstate, generally command more substantial initial salaries but may find their long-term earnings growth cap limited compared to their independent counterparts. Notably, agents specializing in commercial lines often find themselves on the higher end of the pay spectrum, with the potential for larger commission structures. To maximize earning potential, agents should focus on building a robust book of business, exploring independent agency models, and gaining certifications like CPCU to enhance their marketability in this competitive environment.
More salary data for American Fork, UT:
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 $51,951 for insurance agentsin the American Fork 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 American Fork 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