Insurance Sales Agents Salary
Insurance Sales Agents in Lakeland-Winter Haven, FL make a median of $74,810 a year, or about $35.97 an hour. The range runs from $42K at the entry level to $194K for experienced workers. Adjusted for local prices (RPP 97.14), that's roughly $77,013 in purchasing power. Rent on a 2-bedroom averages $1,497/month, or 28.8% of estimated take-home pay.
Where the paycheck goes
What $75K actually covers in Lakeland-Winter Haven, month by month
Groceries, utilities, transportation, and healthcare scaled from national averages by Lakeland-Winter Haven’s Regional Price Parity (97.14). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About insurance sales agents
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What this looks like in Lakeland-Winter Haven
Lakeland-Winter Haven sits well above the national pay line for insurance sales agents, local pay runs about 20% higher than the U.S. median of $62K. Rent runs $1,497/month for a 2-bedroom (HUD FMR), taking 29.4% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 97.14) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for insurance sales agents in metros near Lakeland-Winter Haven, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Miami-Fort Lauderdale-West Palm Beach | $60K | $53K |
| Tampa-St. Petersburg-Clearwater | $61K | $60K |
| Orlando-Kissimmee-Sanford | $50K | $50K |
| Jacksonville | $61K | $62K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Lakeland-Winter Haven, FL
Entry-level insurance sales agents (10th percentile) start around $42K. Mid-career wages sit at $75K. Top earners bring in $194K or more, a $152K spread from bottom to top.
Insurance Sales Agents pay across states
Median income ranked highest to lowest, compared to the national figure
View Insurance Sales Agents salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| District of Columbia | $85K | +36% | N/A |
| New Jersey | $82K | +31% | 11,370 |
| Rhode Island | $80K | +28% | 1,700 |
| Wisconsin | $79K | +28% | 7,860 |
| Massachusetts | $79K | +27% | 9,940 |
| Minnesota | $79K | +26% | 10,010 |
| New York | $78K | +25% | 22,420 |
| California | $76K | +22% | 41,160 |
| Connecticut | $75K | +20% | 5,230 |
| New Hampshire | $74K | +19% | 2,320 |
| Pennsylvania | $73K | +18% | 19,390 |
| South Dakota | $72K | +16% | 1,870 |
| Wyoming | $72K | +15% | 850 |
| North Dakota | $71K | +14% | 1,460 |
| Vermont | $71K | +14% | 730 |
| Colorado | $69K | +10% | 9,530 |
| Alabama | $66K | +5% | 7,430 |
| Illinois | $64K | +3% | 16,360 |
| Hawaii | $64K | +3% | 1,070 |
| Maine | $63K | +1% | 2,240 |
| Montana | $62K | -0% | 2,090 |
| Michigan | $62K | -1% | 12,160 |
| Georgia | $62K | -1% | 18,030 |
| Oregon | $62K | -1% | 5,370 |
| Nebraska | $62K | -1% | 6,160 |
| Arizona | $62K | -1% | 11,870 |
| Indiana | $61K | -1% | 10,440 |
| South Carolina | $61K | -1% | 8,220 |
| Ohio | $61K | -2% | 16,250 |
| Utah | $61K | -2% | 4,620 |
| Washington | $61K | -2% | 10,500 |
| Kentucky | $61K | -2% | 6,210 |
| Virginia | $61K | -3% | 9,480 |
| Kansas | $60K | -3% | 6,360 |
| Iowa | $60K | -3% | 6,840 |
| Florida | $60K | -4% | 47,560 |
| Missouri | $59K | -5% | 10,030 |
| North Carolina | $59K | -6% | 20,540 |
| Idaho | $59K | -6% | 3,200 |
| Maryland | $58K | -6% | 5,700 |
| Tennessee | $57K | -8% | 7,610 |
| Arkansas | $57K | -9% | 4,580 |
| Louisiana | $55K | -11% | 7,100 |
| Texas | $51K | -18% | 47,060 |
| Alaska | $51K | -19% | 540 |
| Nevada | $49K | -21% | 4,200 |
| Mississippi | $48K | -23% | 3,210 |
| Oklahoma | $48K | -23% | 5,310 |
| Delaware | $47K | -25% | 1,220 |
| West Virginia | $45K | -27% | 1,430 |
| New Mexico | $45K | -27% | 2,200 |
Showing 1–10 of 51 (all 50 states + DC)
Track insurance sales agents salary changes
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Quick answers
The stuff people actually ask about this job
Can a insurance sales agent afford a 2BR apartment alone in Lakeland-Winter Haven?
Yes — at the median salary of $75K, rent takes 29.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,497/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for insurance sales agents in Lakeland-Winter Haven?
The 10th-percentile wage — what new insurance sales agents typically earn — is $42K/year. Take-home on that works out to about $2,955/month. At HUD’s $1,497/month FMR, rent would take 51% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is insurance sales agent a high-paying job in Lakeland-Winter Haven?
Local pay is 20% above the national median — $75K here vs. $62K nationally.
How does Lakeland-Winter Haven compare to the national average for insurance sales agents?
Lakeland-Winter Haven pays $75K median vs. the U.S. average of $62K — that’s +20%. After adjusting for local cost of living (RPP 97.14), the purchasing-power equivalent is $77K — still ahead of the national median.
How much do insurance sales agents make in Lakeland-Winter Haven, FL?
The median is $74,810 a year, that works out to about $36 an hour. But the range is wide: entry-level workers start around $41,600, and experienced insurance sales agents can clear $193,920. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $75K enough to live in Lakeland-Winter Haven?
On that salary, you'd take home roughly $5,085/month after taxes. A 2-bedroom here rents for about $1,497/month, which eats 29.4% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a insurance sales agents salary go in Lakeland-Winter Haven?
Lakeland-Winter Haven has a Regional Price Parity of 97.14 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median insurance sales agents salary is worth about $77,013 in national-average purchasing power.
Where do insurance sales agents get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.