Insurance Agent Salary in Roy, UT: $53,543 (2026)
Quick Answer:A full-time insurance agent in Roy, UT earns a median $53,543/year (≈ $25.74/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Roy's price level (2% below national, BEA RPP 98.1), that paycheck buys what $54,580 would nationally. Nominal pay sits 1.7% below the Utah state average.
Based on BLS state-level estimates · View source
In 2026, an insurance agent salary in Roy, UT, stands at a median of $53,543, reflecting a challenging market when compared to the national median of $64,522. The salary range varies significantly from $32,029 at the lower 10th percentile to a high of $82,991 at the 90th percentile, which emphasizes the potential differences based on experience, book of business, and type of insurance sold. Estimates derived from 2025 BLS data indicate that insurance agents tapping into personal lines typically earn considerably less than those engaging with commercial or specialty lines, where commissions can be five to ten times higher per policy. The financial landscape affects not just individual earnings, but also the employment dynamic in Roy, where local conditions shape the overall compensation for insurance agents.
About the Roy Market
Salary estimated from Utah average ($55,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $32,029 | $15.39 |
| Lower Range (P25) | $39,892 | $19.18 |
| Median (P50)(typical) | $53,543 | $25.74 |
| Upper Range (P75) | $68,535 | $32.94 |
| Top Earners (P90) | $82,991 | $39.90 |
Median Salary Position
17.02% below the national average
2026 Salary Percentile Distribution in Roy
In Roy, UT, the insurance agent salary spread from the 10th to 90th percentile is $50,962 (2026 est.). At $53,543, the local median is 17.02% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Roy: You'd be in the lower-middle range
How Roy Insurance Agent Pay Compares
Roy median: $53,543/year (2026)
| Compared To | Median Salary | Roy Pays |
|---|---|---|
| Utah Average | $54,469 | -1.70% less |
| National Average | $64,522 | -17.02% less |
Insurance Agents in Roy, UT earn a median of $53,543 per year (2026 est.), which is 17.02% lower than the national median of $64,522 and 1.70% below the Utah state average of $54,469.
Cost-of-Living Adjusted Salary
Roy 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.
Roy, UT has a cost-of-living index of 98.1 (below the national average of 100). A insurance agent earning $53,543 nominally has purchasing power equivalent to $54,580 in an average-cost city — an effective 1.94% boost.
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2019 BLS Actual
$42,272
2025 BLS Actual
$51,682
2026 Current Est.
$53,543
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Roy (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $42,272 | Actual |
| 2020 | $43,301 | Actual |
| 2021 | $41,359 | Actual |
| 2022 | $48,014 | Actual |
| 2023 | $49,027 | Actual |
| 2024 | $53,033 | Actual |
| 2025 | $51,682 | Actual |
| 2026(current) | $53,543 | Estimated |
| 2027 | $55,470 | Projected |
Based on 7 years of BLS OEWS data for the Roy metropolitan area, the median insurance agent salary grew 22.3% from $42,272 (2019) to $51,682 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $55,470 by 2027 — a total increase of $13,198 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Roy 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) | $32,029 – $39,892 |
| 3-5 years (Mid Career) | $39,892 – $53,543 |
| 5+ years (Experienced) | $53,543 – $68,535 |
| 10+ years (Top Earner) | $68,535 – $82,991 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Roy
Currently, there are six insurance agents employed in Roy, which suggests a small yet stable market for this profession. With a cost-of-living index of 98.1, residents might find that their salaries go further in Roy compared to national averages. Captive agents working with established carriers like State Farm or Allstate generally offer competitive pay, often providing sign-on bonuses and extensive training, yet may cap long-term earning potential. Independent agencies, on the other hand, tend to provide greater flexibility and higher commission rates, especially in commercial lines. The disparity in pay can also stem from factors such as the size of the agent's book of business and revenue from renewal commissions. To maximize insurance agent pay in Roy, focusing on developing a robust book of business—particularly in the commercial domain—while pursuing advanced credentials like the CPCU can present significant advantages in this local market.
More salary data for Roy, 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 $51,682 for insurance agentsin the Roy 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 Roy 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