Insurance Sales Agents Salary
Insurance Sales Agents in Waterbury-Shelton, CT make a median of $77,000 a year, or about $37.02 an hour. The range runs from $44K at the entry level to $170K for experienced workers. Adjusted for local prices (RPP 99.78), that's roughly $77,170 in purchasing power. A 2-bedroom apartment runs $1,788/month, about 35.6% of take-home, which is tight.
So what does $77K get you in Waterbury-Shelton?
Groceries, utilities, transportation, and healthcare scaled from national averages by Waterbury-Shelton’s Regional Price Parity (99.78). 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 Waterbury-Shelton
Waterbury-Shelton sits well above the national pay line for insurance sales agents, local pay runs about 24% 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 $1,788/month, which is 36.5% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 99.78) 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.
Compared to nearby metros
Median pay for insurance sales agents in metros near Waterbury-Shelton, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Hartford-West Hartford-East Hartford | $77K | $75K |
| Bridgeport-Stamford-Danbury | $56K | $53K |
| New Haven | $76K | $73K |
| Norwich-New London-Willimantic | $72K | $72K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Waterbury-Shelton, CT
Entry-level insurance sales agents (10th percentile) start around $44K. Mid-career wages sit at $77K. Top earners bring in $170K or more, a $126K 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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Frequently asked questions
Can a insurance sales agent afford a 2BR apartment alone in Waterbury-Shelton?
It’s a stretch — at the median salary of $77K, rent takes 36.5% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,788/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 Waterbury-Shelton?
The 10th-percentile wage — what new insurance sales agents typically earn — is $44K/year. Take-home on that works out to about $2,619/month. At HUD’s $1,788/month FMR, rent would take 68% 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 Waterbury-Shelton?
Local pay is 24% above the national median — $77K here vs. $62K nationally.
How does Waterbury-Shelton compare to the national average for insurance sales agents?
Waterbury-Shelton pays $77K median vs. the U.S. average of $62K — that’s +24%. After adjusting for local cost of living (RPP 99.78), the purchasing-power equivalent is $77K — still ahead of the national median.
How much do insurance sales agents make in Waterbury-Shelton, CT?
The median is $77,000 a year, that works out to about $37 an hour. But the range is wide: entry-level workers start around $43,650, and experienced insurance sales agents can clear $169,720. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $77K enough to live in Waterbury-Shelton?
On that salary, you'd take home roughly $4,898/month after taxes. A 2-bedroom here rents for about $1,788/month, which eats 36.5% 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 Waterbury-Shelton?
Waterbury-Shelton has a Regional Price Parity of 99.78 (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 $77,170 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.