Insurance Sales Agents Salary
Insurance Sales Agents in Stockton-Lodi, CA make a median of $45,710 a year, or about $21.98 an hour. The range runs from $38K at the entry level to $125K for experienced workers. Prices run high here (RPP 105.09), so that salary is closer to $43,496 in real purchasing power. A 2-bedroom apartment runs $1,742/month, about 55.2% of take-home, which is tight.
Where the paycheck goes
What $46K actually covers in Stockton-Lodi, month by month
Groceries, utilities, transportation, and healthcare scaled from national averages by Stockton-Lodi’s Regional Price Parity (105.09). 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 Stockton-Lodi
Pay for insurance sales agents in Stockton-Lodi runs about 27% below the U.S. median of $62K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,742/month, which is 55.4% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 5% above the national average (BEA RPP 105.09), so groceries and services cost more too. That combination, below-market pay with high housing costs, makes this a financially demanding market for insurance sales agentss.
Compared to nearby metros
Median pay for insurance sales agents in metros near Stockton-Lodi, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $77K | $68K |
| San Francisco-Oakland-Fremont | $96K | $83K |
| San Diego-Chula Vista-Carlsbad | $77K | $69K |
| Riverside-San Bernardino-Ontario | $56K | $53K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Stockton-Lodi, CA
Entry-level insurance sales agents (10th percentile) start around $38K. Mid-career wages sit at $46K. Top earners bring in $125K or more, a $87K 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 Stockton-Lodi?
It’s a stretch — at the median salary of $46K, rent takes 55.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,742/month. The 30% guideline puts the comfortable ceiling at roughly $900/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 Stockton-Lodi?
The 10th-percentile wage — what new insurance sales agents typically earn — is $38K/year. Take-home on that works out to about $2,678/month. At HUD’s $1,742/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 Stockton-Lodi?
Local pay runs 27% below the national median — $46K here vs. $62K nationally.
How does Stockton-Lodi compare to the national average for insurance sales agents?
Stockton-Lodi pays $46K median vs. the U.S. average of $62K — that’s -27%. After adjusting for local cost of living (RPP 105.09), the purchasing-power equivalent is $43K — below the national median.
How much do insurance sales agents make in Stockton-Lodi, CA?
The median is $45,710 a year, that works out to about $22 an hour. But the range is wide: entry-level workers start around $38,350, and experienced insurance sales agents can clear $124,990. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $46K enough to live in Stockton-Lodi?
On that salary, you'd take home roughly $3,144/month after taxes. A 2-bedroom here rents for about $1,742/month, which eats 55.4% 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 Stockton-Lodi?
Stockton-Lodi has a Regional Price Parity of 105.09 (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 $43,496 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.