How much do independent insurance agents earn?

No official figure exists for independent agents: the Bureau of Labor Statistics counts them with all insurance sales agents, a group with a median annual wage of $62,280 in May 2025. Crowd-sourced estimates place independent agents' average earnings roughly between $65,000 and $90,000. Independent agents earn a percentage of each policy's premium, commonly around 10% to 15% on new auto and home policies, but they also pay their own business expenses, which reduces take-home pay.