Insurance Sales Agents Salary
Insurance Sales Agents in San Francisco-Oakland-Fremont, CA make a median of $95,640 a year, or about $45.98 an hour. The range runs from $45K at the entry level to $205K for experienced workers. Prices run high here (RPP 115.61), so that salary is closer to $82,726 in real purchasing power. A 2-bedroom apartment runs $3,604/month, about 60% of take-home, which is tight.
So what does $96K get you in San Francisco-Oakland-Fremont?
Groceries, utilities, transportation, and healthcare scaled from national averages by San Francisco-Oakland-Fremont’s Regional Price Parity (115.61). 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 San Francisco-Oakland-Fremont
San Francisco-Oakland-Fremont sits well above the national pay line for insurance sales agents, local pay runs about 54% 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 $3,604/month, which is 61.2% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 16% above the national average (BEA RPP 115.61), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compared to nearby metros
Median pay for insurance sales agents in metros near San Francisco-Oakland-Fremont, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $77K | $68K |
| San Diego-Chula Vista-Carlsbad | $77K | $69K |
| Riverside-San Bernardino-Ontario | $56K | $53K |
| Sacramento-Roseville-Folsom | $81K | $76K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, San Francisco-Oakland-Fremont, CA
Entry-level insurance sales agents (10th percentile) start around $45K. Mid-career wages sit at $96K. Top earners bring in $205K or more, a $160K 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 San Francisco-Oakland-Fremont numbers change.
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Frequently asked questions
Can a insurance sales agent afford a 2BR apartment alone in San Francisco-Oakland-Fremont?
It’s a stretch — at the median salary of $96K, rent takes 61.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $3,604/month. The 30% guideline puts the comfortable ceiling at roughly $1,800/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 San Francisco-Oakland-Fremont?
The 10th-percentile wage — what new insurance sales agents typically earn — is $45K/year. Take-home on that works out to about $2,673/month. At HUD’s $3,604/month FMR, rent would take 135% 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 San Francisco-Oakland-Fremont?
Local pay is 54% above the national median — $96K here vs. $62K nationally. Keep in mind cost of living here is 16% above the national average, which offsets some of that premium.
How does San Francisco-Oakland-Fremont compare to the national average for insurance sales agents?
San Francisco-Oakland-Fremont pays $96K median vs. the U.S. average of $62K — that’s +54%. After adjusting for local cost of living (RPP 115.61), the purchasing-power equivalent is $83K — still ahead of the national median.
How much do insurance sales agents make in San Francisco-Oakland-Fremont, CA?
The median is $95,640 a year, that works out to about $46 an hour. But the range is wide: entry-level workers start around $44,550, and experienced insurance sales agents can clear $204,830. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $96K enough to live in San Francisco-Oakland-Fremont?
On that salary, you'd take home roughly $5,886/month after taxes. A 2-bedroom here rents for about $3,604/month, which eats 61.2% 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 San Francisco-Oakland-Fremont?
San Francisco-Oakland-Fremont has a Regional Price Parity of 115.61 (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 $82,726 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.