Insurance Sales Agent Salary in Miami, FL
Insurance Sales Agents in the Miami-Fort Lauderdale-West Palm Beach, FL metro area earn a median $60,260 a year — 3% less than the national median. After 2026 taxes, that is $50,599 take-home, or $4,217 a month.
Take-home pay calculator
Pre-filled with the median insurance sales agent salary in Miami, FL. Enter your own offer to see your paycheck.
- Federal income tax$5,051
- Social Security (6.2%)$3,736
- Medicare (1.45%)$874
- Florida income tax$0
- Take-home pay$50,599
Marginal rate: 12% federal + 0.00% state
Got an offer somewhere else? Compare it with this one after taxes and rent →
Insurance Sales Agent pay by experience in Miami, FL
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $35,910 | $17.26 | $31,034 | $2,586 |
| 25th percentile | $46,640 | $22.42 | $39,655 | $3,305 |
| Median (50th) | $60,260 | $28.97 | $50,599 | $4,217 |
| 75th percentile | $79,090 | $38.02 | $64,470 | $5,372 |
| 90th percentile (top earners) | $119,960 | $57.67 | $93,222 | $7,768 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Florida resident, 2026 tax rules.
What $60,260 buys in Miami, FL
Prices in Miami, FL are 14.2% higher than the U.S. average (housing costs are 1.56× the national average). Adjusted for local prices, a median insurance sales agent's $50,599 take-home pay has the buying power of $44,325 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Miami, FL has 1.6× the national concentration of insurance sales agent jobs — a strong local market for this occupation.
Best-paying cities for insurance sales agents, adjusted for cost of living
Miami, FL ranks #35 of 41 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Philadelphia, PA | $81,540 | $63,690 | $62,104 |
| 2 | Cleveland, OH | $72,020 | $58,298 | $62,070 |
| 3 | Minneapolis, MN | $84,670 | $64,161 | $61,210 |
| 4 | San Francisco, CA | $95,640 | $70,204 | $60,724 |
| 5 | Atlanta, GA | $75,990 | $58,968 | $58,934 |
| 6 | Sacramento, CA | $80,940 | $61,421 | $57,581 |
| 7 | Birmingham, AL | $66,640 | $52,644 | $57,444 |
| 8 | Denver, CO | $77,590 | $60,709 | $57,391 |
| 35 | Miami, FL | $60,260 | $50,599 | $44,325 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 41 metros →
About the job: insurance sales agents
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
- Typical education
- High school diploma or equivalent
- Work experience
- None required
- On-the-job training
- Moderate-term on-the-job training
- Job outlook, 2025–35
- +3.3% (about average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Insurance Sales Agent salaries elsewhere in Florida
- Jacksonville, FL — $61,490
- Tampa, FL — $60,820
- Orlando, FL — $50,280
Frequently asked questions
How much does a insurance sales agent make in Miami, FL?
The median insurance sales agent salary in the Miami-Fort Lauderdale-West Palm Beach, FL metro area is $60,260 a year, or about $28.97 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $46,640 and $79,090.
What is a insurance sales agent’s take-home pay in Miami, FL?
On the median $60,260 salary, a single filer living in Florida takes home about $50,599 a year ($4,217 a month) after federal tax, Social Security, Medicare in 2026.
Is Miami, FL a good place to work as a insurance sales agent?
Pay here is 3% below the national median of $62,280. Local prices are 14.2% above the U.S. average, so the take-home pay buys what $44,325 would in a typical U.S. city. Miami, FL ranks #35 of 41 metro areas for cost-of-living-adjusted pay in this job.
Can a insurance sales agent afford rent in Miami, FL?
HUD’s fair market rent for a one-bedroom in Miami, FL is $1,942 a month ($2,359 for two bedrooms) — 46% of a median insurance sales agent’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Miami, FL
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products — $106,970
- First-Line Supervisor of Non-Retail Sales Workers — $82,870
- Securities, Commodities, and Financial Services Sales Agents — $63,790
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $62,400
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $62,090
- Travel Agent — $50,720
- First-Line Supervisor of Retail Sales Workers — $50,250
- Real Estate Sales Agent — $47,080
- Sales and Related Workers, All Other — $38,330
- Parts Salesperson — $37,860
- Counter and Rental Clerk — $37,460
- Telemarketer — $35,870