Insurance Sales Agents Salary
Insurance Sales Agents in New York make a median of $78,110 a year, or about $37.55 an hour. The range runs from $38K at the entry level to $174K for experienced workers. Adjusted for local prices (RPP 98.21), that's roughly $79,534 in purchasing power. A 2-bedroom apartment runs $1,917/month, about 37.6% of take-home, which is tight.
Statewide average. Salary and cost of living vary significantly across New York. Jump to a metro for precise data:
So what does $78K get you in New York?
About insurance sales agents
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What this looks like in New York
New York sits well above the national pay line for insurance sales agents, local pay runs about 25% higher than the U.S. median of $62K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,917/month, which is 38.6% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 98.21) is near the national average, so spending patterns here track the typical American budget fairly closely. The pay premium is real, but so are the offsets.
Compensation breakdown
Annual earnings by percentile, New York
Entry-level insurance sales agents (10th percentile) start around $38K. Mid-career wages sit at $78K. Top earners bring in $174K or more, a $136K spread from bottom to top.
Insurance Sales Agents salary by metro in New York
12 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| New York-Newark-Jersey City | $81K | +3% | 21,280 |
| Rochester | $79K | +1% | 930 |
| Kiryas Joel-Poughkeepsie-Newburgh | $77K | -2% | 490 |
| Albany-Schenectady-Troy | $72K | -8% | 1,120 |
| Kingston | $68K | -13% | 140 |
| Syracuse | $66K | -16% | 670 |
| Utica-Rome | $62K | -20% | 280 |
| Watertown-Fort Drum | $62K | -21% | 50 |
| Elmira | $60K | -23% | 70 |
| Ithaca | $60K | -23% | 50 |
| Buffalo-Cheektowaga | $58K | -26% | 1,350 |
| Glens Falls | $51K | -34% | 100 |
Showing 1–10 of 12 metros
Compare to other states
Track insurance sales agents salary changes
BLS updates this data quarterly. We'll email you when New York numbers change.
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Frequently asked questions
Can a insurance sales agent afford a 2BR apartment alone in New York?
It’s a stretch — at the median salary of $78K, rent takes 38.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,917/month. The 30% guideline puts the comfortable ceiling at roughly $1,500/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for insurance sales agents in New York?
The 10th-percentile wage — what new insurance sales agents typically earn — is $38K/year. Take-home on that works out to about $2,267/month. At HUD’s $1,917/month FMR, rent would take 85% 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 New York?
Local pay is 25% above the national median — $78K here vs. $62K nationally.
How does New York compare to the national average for insurance sales agents?
New York pays $78K median vs. the U.S. average of $62K — that’s +25%. After adjusting for local cost of living (RPP 98.21), the purchasing-power equivalent is $80K — still ahead of the national median.
How much do insurance sales agents make in New York?
The median is $78,110 a year, that works out to about $38 an hour. But the range is wide: entry-level workers start around $37,790, and experienced insurance sales agents can clear $173,750. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $78K enough to live in New York?
On that salary, you'd take home roughly $4,970/month after taxes. A 2-bedroom here rents for about $1,917/month, which eats 38.6% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a insurance sales agents salary go in New York?
New York has a Regional Price Parity of 98.21 (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 $79,534 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.