Insurance Sales Agents Salary
Insurance Sales Agents in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD make a median of $81,540 a year, or about $39.2 an hour. The range runs from $47K at the entry level to $175K for experienced workers. Adjusted for local prices (RPP 102.55), that's roughly $79,512 in purchasing power. A 2-bedroom apartment runs $1,810/month, about 34.4% of take-home, which is tight.
So what does $82K get you in Philadelphia-Camden-Wilmington?
Groceries, utilities, transportation, and healthcare scaled from national averages by Philadelphia-Camden-Wilmington’s Regional Price Parity (102.55). 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
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Philadelphia-Camden-Wilmington
Philadelphia-Camden-Wilmington sits well above the national pay line for insurance sales agents, local pay runs about 31% higher than the U.S. median of $62K. Rent runs $1,810/month for a 2-bedroom (HUD FMR), taking 34.3% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 102.55) 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 Philadelphia-Camden-Wilmington, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Pittsburgh | $60K | $63K |
| Harrisburg-Carlisle | $65K | $66K |
| Allentown-Bethlehem-Easton | $75K | $75K |
| Scranton--Wilkes-Barre | $50K | $53K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
Entry-level insurance sales agents (10th percentile) start around $47K. Mid-career wages sit at $82K. Top earners bring in $175K or more, a $128K 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
BLS updates this data quarterly. We'll email you when Philadelphia-Camden-Wilmington numbers change.
Related careers in Sales
Frequently asked questions
Can a insurance sales agent afford a 2BR apartment alone in Philadelphia-Camden-Wilmington?
It’s a stretch — at the median salary of $82K, rent takes 34.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,810/month. The 30% guideline puts the comfortable ceiling at roughly $1,600/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 Philadelphia-Camden-Wilmington?
The 10th-percentile wage — what new insurance sales agents typically earn — is $47K/year. Take-home on that works out to about $2,806/month. At HUD’s $1,810/month FMR, rent would take 65% 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 Philadelphia-Camden-Wilmington?
Local pay is 31% above the national median — $82K here vs. $62K nationally.
How does Philadelphia-Camden-Wilmington compare to the national average for insurance sales agents?
Philadelphia-Camden-Wilmington pays $82K median vs. the U.S. average of $62K — that’s +31%. After adjusting for local cost of living (RPP 102.55), the purchasing-power equivalent is $80K — still ahead of the national median.
How much do insurance sales agents make in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?
The median is $81,540 a year, that works out to about $39 an hour. But the range is wide: entry-level workers start around $46,760, and experienced insurance sales agents can clear $175,160. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $82K enough to live in Philadelphia-Camden-Wilmington?
On that salary, you'd take home roughly $5,271/month after taxes. A 2-bedroom here rents for about $1,810/month, which eats 34.3% 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 Philadelphia-Camden-Wilmington?
Philadelphia-Camden-Wilmington has a Regional Price Parity of 102.55 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median insurance sales agents salary is worth about $79,512 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.