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Top 10 Places for Insurance Agents

Ever wondered how much the average insurance sales agent makes? According to the Bureau of Labor Statistics, the national average for insurance sales agent earnings was $48,150 in 2012. But results varied widely by location. In some places around the U.S., the average nearly doubled that.

Whether you work as an agent already or are considering a career change, we’ve rounded up the top 10 locations for the highest earning agents. To do it, we looked at more than 440 U.S. metro areas covered by the U.S. Bureau of Statistics. After adjusting those raw earnings numbers to account for differences in the cost of living, we compile a list of top 10 places that offer serious agent potential.

1. Lake County – Kenosha County, IL – WI

Situated between the Northern metropolises of Milwaukee and Chicago, you’ll find the number one area on our list – the neighboring counties of Lake and Kenosha. Insurance agents here make an average salary of $91,390, the highest of all the places we compared.

Couple that high raw salary with the area’s low cost of living and the adjusted earnings total $98,196, also tops on our list. Then consider the metro’s ideal location next to beautiful Lake Michigan and you’ve got a win-win.

2. Louisville-Jefferson County, KY

Home to bourbon distilleries, the Kentucky Derby and much more, Louisville comes in second on our list. Insurance agents here make an adjusted average of $91,996.

In downtown Louisville, you’ll find a bevy of delicious restaurants, art galleries, and live music spots. A few Fortune 500 companies also reside here, including Humana, one of the nation’s largest health insurance providers.

3. Framingham, MA

Founded in 1700, Framingham is a town with a seamless blend of urban, suburban and rural qualities. Situated just 20 minutes outside of Boston, Framingham has a lot to offer residents. In downtown Framingham, people enjoy a variety of entertainment ranging from art museums to adventurous cuisine.

There are also exciting employment opportunities. Insurance agents in Framingham make an adjusted average of $91,900 each year.

4. St. Joseph, MO

Coming in fourth is the Midwestern city of St. Joseph, MO. Perhaps best known as the starting point for the Pony Express, St. Joseph is a vibrant suburban city offering upscale shopping, fine dining and wealth of things to see and do.

St. Joseph is also a great place to be if you’re an insurance agent. Why? Because insurance agents here make an average adjusted yearly salary of $90,857.

5. Trenton-Ewing, NJ

With adjusted annual earnings of $90,677, insurance agents living in Trenton and Ewing, NJ have it pretty good. These neighboring destinations sit about halfway between the bustling hubs of New York City and Philadelphia, giving residents wider access to opportunities for entertainment, shopping and dining.

As the New Jersey state capital, Trenton has a rich history that locals love. Another plus? Both Trenton and Ewing border the scenic Delaware River.

6. Rapid City, SD

Home to one of America’s most famous monuments, Mount Rushmore, Rapid City comes in next on our list. People have flocked to this city for its unparalleled scenery, vibrant culture, and exciting job opportunities.

Insurance agents here make an adjusted average yearly salary of $89,245. When searching for a job here, consider Assurant, one of the nation’s largest insurance providers. Its preneed division is located right in Rapid City.

7. Providence-Fall River-Warwick, RI-MA

Providence-Warwick, RI and Fall River, MA form the trifecta that wins the seventh spot on our list. These waterside cities and towns are home to some of the highest earning insurance sales agents. In fact, agents who live in these areas average $89,007 annually in adjusted earnings.

These are some of the oldest cities in the nation and have much to offer residents. Let’s just say, if New England cottages, fresh seafood and breathtaking scenery are your thing, you might want to consider moving here.

8. Gary, IN

This Midwestern city is located in the Southeastern portion of the Chicago metropolitan area. Gary, which borders Lake Michigan, is best known for its large steel mills and being the birthplace of the Jackson 5.

The city’s motto is “We Are Doing Great Things” and its insurance professionals are no exception to that. The average adjusted salary for an agent in Gary is $86,688. It could be a great place to call home.

9. Ocala, FL

For insurance pros who love warm weather and abundant sunshine, the city of Ocala might have everything you are looking for. Insurance sales agents here make an average annual adjusted salary of $86,108. Ocala is no more than a 90 minute drive to the Gulf or Atlantic coasts so residents can easily get their fix of beach time.

Closer to home, Downtown Ocala features a wide variety of art, history, fine dining and entertainment. Just outside of downtown, residents can visit Silver Springs, a 350-acre nature-themed park.

10. Fayetteville, NC

Rounding out our list is Fayetteville. Located nearer to the center of North Carolina than to its coast, residents here enjoy mild weather and easy access to both beach and mountain destinations. From museums to parks to a wide variety of restaurants, it’s never hard to find something to do.

Insurance agents here report average annual adjusted earnings of $85,624.

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Employment and mean salary data is from the Geographic profile for Insurance Sales Agents (41-3021) obtained through the Bureau of Labor Statistics’ Occupational Employment Statistics Query System (

To account for differences in cost of living, mean salary data was normalized using the most recent average price data of white bread from the Bureau of Labor and Statistics (October 2014,

To qualify to be ranked, the metropolitan statistical area must have reported data for at least 100 employees.


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